vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: NJ

Complaint narrative:
XX/XX/XXXX, ( XXXX XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX/XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency

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 non-monetary relief
Consumer complaint received 2020-01-30 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: WA

Complaint narrative:
In anticipation of applying for a mortgage, I needed to unfreeze my credit with Equifax. I was unable to log in using my previously established user id and password. Attempts to re-set password failed. On my first call to Equifax, after lengthy holding and repeated input of personal info. I was able to speak to an actual person. That person placed me on hold ; during the hold an automated survey began. I participated in the survey as I was under the impression I would be returned to customer service at the conclusion. Instead, my call was disconnected. Total time on call was 30 minutes, phone number dialed was XXXX. Using a different Equifax customer service number, I called again. Again, after connecting with a person and being placed on hold, the automated survey began. I did NOT respond. Again the call was terminated by Equifax. Total time on call was 19 minutes, phone number dialed was XXXX. Equifax has made it impossible to complete a call and obtain any resolution via phone. They do not provide an email address. They do not provide online " chat '' or support. They deliberately make it as difficult as possible to actually get help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: AR

Complaint narrative:
I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX XXXX {$420.00}

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 2020-01-30 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: AR

Complaint narrative:
I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$420.00}

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 2020-01-30 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank charge our account a monthly service charge with out our approval. Now they don't want to take responsibility and won't return our money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted all three bureaus XXXX, Transunion, and XXXX about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.

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 2020-01-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted all three bureaus XXXX, XXXX, and Equifax about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I use online banking at Bank of America to pay my rent each month. On or around XX/XX/XXXX I scheduled a check to be mailed to my landlord on XX/XX/XXXX for {$790.00}. On XX/XX/XXXX I checked my bank account using the app and saw that the funds had been withdrawn and all charges from the weekend had been posted to my account. When I checked again on the XXXX no charges from the weekend had been posted and my bank account balance did not reflect a rent payment. When I tried to check my bill payment center the app stated the service was temporarily unavailable. I has been receiving emails from BOA directing me to a message regarding bill pay, but I did not click on links in case of phishing. Instead I logged into the app and saw no messaged. On the XXXX I checked my account and now the {$790.00} had been deducted and the charges from the weekend were reflected again. When I logged in this morning the {$790.00} has been returned to my account the billpay center looked completely different. I could not see any previous payments. After one hour on the phone I learned a freeze had been placed on my bill pay by the Know Your Customer department because they had attempted to reach out to my mother, with whom I opened the account 14 years ago, to confirm her information per " federal regulations ''. This freeze delayed my rent payment and put my housing in jeopardy. The bank has also threatened me with fees because they were unable to process the payment, even though I had nothing to do with it.

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 non-monetary relief
Consumer complaint received 2020-01-30 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: NH

Complaint narrative:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   XXXX {$8400.00} XXXX/XXXX XXXX XXXX {$490.00} XXXX XXXX   XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION WITH XXXX TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-30 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 non-monetary relief
Consumer complaint received 2020-01-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted all three bureaus Experian, XXXX, and XXXX  about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.

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 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: D2 Management LLC
State: PA

Complaint narrative:
I receive 4 phone calls on XX/XX/XXXX from Phone number XXXX stating that I have debt of XXXX on 3 accounts ( 2 accounts are from XXXX ) as I stated was discharged in bankruptcy in XXXX and then they stated I had a debt from XXXX and used email address XXXX ( and refernce XXXX XXXX ) at a XXXX XXXX ( XXXX ) in ohio. I asked for written notification and offered my address but they wouldn't take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corp is trying to collect on debt that does not belong to me. 

XXXX XXXX is trying to collect on debt that does not belong to me. 

XXXX, XXXX is trying to collect on debt that does not belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting that my debt with Transfinancial Companies be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account. 
The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.

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 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. I have been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were already off of my credit report, but, no too long ago I received a collection letter from CONVERGENT OUTSOURCING INC trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package. The account is highlighted on my Affidavit of Identity theft package that I am uploading.

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 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My mortgage was sold to SPS Select Portfolio Servicing ( SPS ), from XXXX. XXXX did alot of unscrupulous things to make my mortgage look more appealing to sell, and give a picture of higher return on the sale of the packages of loans they sold to SPS. Like applying flood insurance to my mortgage, and my mortgage went up by almost {$1500.00}. So I filed a complaint with the Federal Reserve ( Atch A ).  When SPS got my mortgage, they saw that I wasn't in a flood plain, and made all the corrected changes, and my mortgage when down to where is was suppose to be. However, by that time, I was over charged by {$9400.00}. SPS sent me a check for {$5300.00}, which was way under what they should have sent me. In response to me filing a complaint with the Federal Reserve ( case # XXXX ), XXXX responded, that they made a " mistake '', and they sent {$1600.00}, to SPS, and I should get the {$1600.00}, from SPS. So when I got my 1098 from SPS, it shows on the 1098 as FHA/MIP, which is fraud because I do not have a FHA loan, and so I don't have FHA MIP. Even before the 1098, every correspondence shows the {$1600.00}. It is my believe that SPS got this money and either wasn't give an explanation for it, or didn't know what it was for and just fraudulently claimed it to be FHA/MIP. Even if I did have a loan that had MIP or PMI, that is not what those funds were for. Therefore, today I called SPS to get my funds and they refused to give them to me, and the person I spoke to would only give me his first name and extension number, and refuse to give me his employee number. I have not missed a payment even though struggling with the almost {$1500.00}, increase imposed by XXXX and carried on by SPS until they finally sent me the for {$5300.00}. I have to admit, I have been late on several occasions but never 30 days of more. One document they have the {$1600.00}, as partial payment, ( of which I have NEVER made a partial payment ), and now on my 1098, it's FHA MIP ( Atch B ). I feel that I have been treated very unfairly, and want my money back. I stated in one of your earlier questions that my loan is conventional. I started out with a Conventional loan, and when the mortgage market crashed in XXXX XXXX time frame, I we almost lost our home, and had to get a modification. This is when our mortgage was with XXXX. So I am not sure how that works for a modification. Please help me to recover my funds. I am attaching several docs that I have from both the Federal reserve and SPS. See Attachments A, B, C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have a personal & individual credit line that was originally transacted with XXXX XXXX. It migrated to SunTrust Bank over the years. On XX/XX/2019 an " Internet Advance '' was made against my LOC in the amount of {$5000.00}, to an unrelated party, who has essentially hijacked the account. I have made several attempts to advance my complaint through the fraud department with SunTrust but as the minimum payment are being made, they are not in jeopardy and are not addressing my complaint. I have provided SunTrust with copies of the original agreement with XXXX so as to prove that I am the only person or entity authorized and responsible for utilizing this credit line. As best that I can discern, SunTrust 's position is that as long as the payments are being made, they will not do anything about it.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting that my debt with Jefferson Capital Systems be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account.

The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.

Company response to consumer: Closed with explanation