vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
I received a collection letter from XXXX XXXX approximately one year ago. I have never had an account with XXXX XXXX, and have never lived in their service area. Indeed, they sent the collection letter to XXXX, IA, which is an address they should have known is inconsistent with an account relationship. I immediately called to tell them I had no relationship with them. I called from my cell phone, but did not give them my cell phone number, nor did I give them authority to call that number. Several months letter, I received a call on my cell phone from a collection agency. I again told them it is not my account, I have never had an account with XXXX XXXX, and I have never lived in their service area. They refused to provide any information to indicate that I ever had a relationship with XXXX XXXX ( e.g., original contract, address of service, date of service, etc. ). They simply said they would put my number on their do not call list. 

Today I pulled my credit reports because I am purchasing a new home, and there is an adverse item listed from Convergent Outsourcing collecting for XXXX XXXX that I have an account in collections. This is inaccurate. Both XXXX XXXX and Convergent Outsourcing are well aware that I have never had an account with XXXX XXXX, and that ( as the very credit report to which they made the fraudulent entry reveals ) I have never lived in a XXXX XXXX service area. This is merely a shake down because they skip traced my name to an address in Iowa, which they should know is inaccurate because my address history contains no addresses within the XXXX XXXX service area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Insikt, Inc.
State: TX

Complaint narrative:
Paid in full the account with aura financial, called they said they could not help do to that they made a transaction with the company ... aura  Doesnt exist anymore now its ( XXXX  ) ....

Company response to consumer: Untimely response
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see no changes for what I filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX, Reported : XX/XX/2020 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$57.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to XXXX  and Equifax asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus XXXX  and Equifax to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX XXXX  and Equifax failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX XXXX Balance Owed : {$540.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian and XXXX  asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus Experian and XXXX  to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX Experian and XXXX  failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
I know for a fact someone stole my credit card information and I lost over 400 dollars but this was like six months ago. I got the problem solved by getting a new account and a new card with new passwords and now I get this saying I owe them more money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have been unfairly charged finance charges and a late payment fee by the credit card issuer. My first payment was delivered on time on XX/XX/2020 in the amount of {$1300.00}. However, the credit card statement was not clear where the payment should be sent, as it listed two addresses. I sent the payment to the " Customer Service '' address at the bottom of the statement, which was listed more prominently on the statement. I later found out that the payments should have been sent to the other ( less prominent ) address, which did not disclose that it should be used for payments. This caused my payment to be misdirected to the wrong department, and ultimately processed several days late on XX/XX/2020, incurring a finance charge of {$19.00}. The same issue repeated on my next bill, and I incurred a late payment fee of {$39.00}, in addition to an {$8.00} finance charge. When I called to complain over lack of disclosure regarding which address to use on the statement, I was told that only the {$39.00} and {$19.00} charges could be refunded ( due to a policy of one waiver per customer per year ). I am requesting a refund of the {$8.00} charge, which was directly caused by the credit card company not disclosing which address should be used for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2020 I inadvertently made a charge to an incorrect merchant on PAYPAL. Since then, PAYPAL customer service is next to nothing. I contacted the person/merchant to get my money back to no avail. I received a response in a foreign language ( XXXX I believe ). Trying to contact PAYPAL now is an exercise in futility. They claim they can't find the charge of {$100.00} yet they paid it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have an extended fraud alert on my experian and XXXX  credit reports that are preventing the proper information to be processed on my credit. I have contacted both bureaus to address this issue with no success

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX, Reported : XX/XX/2020 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
My mortgage company cancelled my escrow account XX/XX/XXXX and didn't notify me. They are charging me for escrow though still and have taken out of my XXXX through XX/XX/XXXX payments. My home owners insurance was cancelled as they didn't pay it. They raised my inters from 4.5 to 5.5 effective with payment due XX/XX/XXXX. They still haven't been added to my credit report since XXXX of last year. I hold for hours to speak to an agent and just get the run around Gregory Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 120-180 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is my second time I am filing a complaint about this. I wont be writting down all. I just would like to add on to my letter below that my account is still being charged of some automated payments that I do not agree with. 

XXXX {$540.00} XXXX {$110.00} intrest XXXX {$250.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I started a refi with better.com. The whole process was pretty smooth except they overcharged my closing cost. I received an email from the company that .5 % surcharge was added to my closing cost because of a new FHA finance fee that was suppose to start in XXXX when I closed the loan. The FHA later pushed that fee implementation past XXXX so I was told on XX/XX/2020 that I would receive a refund of XXXX. After many emails and back and forths over the months and being told we are working on it give it 2 weeks then contact us again if there is still an issue etc etc, I have decided to file a complaint to hopefully get my issue resolved with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have an extended fraud alert on my XXXX and equifax credit reports that are preventing the proper information to be processed on my credit. I have contacted both bureaus to address this issue with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation