vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
contacted the company fraud department concerning the issue with the card. Explain to the fraud rep I didnt make the charge. The rep was aggrevated until I asked where was the charges made and she told me I looked up the charge and it was made over 150 miles away from my home. Rep then got up set and said well thats not far and we will dispute the charge but we will not send you another card I asked why is that and she said its the procedure and I asked where in the card memeber agreement is that and she said I cant give you the exact place. I didnt make the charge on my account please dispute and send me my card please. This card is also reporting late on my credit report they have XXXX in late fees and interest charges I didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contact Experian several times regarding an account XXXX on my credit file. Experian continues to report an account that this company has told them to delete. XXXX has even sent notice through CFPB stating the following yet Experian has not removed this account from my credit file..From XXXX  " We have previously responded to a complaint from this consumer under complaint number XXXX. We have already requested that this matter be deleted and removed from the consumer 's credit and this can be verified with the credit bureaus directly. 3rd party applications and services that supply this information to consumers may not be fully updated, so you will want to contact the credit bureaus directly if you are still seeing them listed there ... I am continuing to see XXXX open my credit file and it needs to be deleted immediately. Experian is in violation and I will be forced to take legal action if this account from XXXX is not removed.

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United We Collect, Inc.
State: TN

Complaint narrative:
The start of the debt was when I was a minor, my parents were responsible for me at the time not myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It was agreed that Synchrony Bank would send me a courtesy email 30 days before the promotional period would end allowing me to pay off the balance before the promotional period end to avid the interest accumulated. They did not send the email. As I explained, I do not have access to view the statements online because of limited internet service in my area.They added over {$600.00} in interest on an account I have been faithfully paying.

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 2020-07-07 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:
fraud these accounts need to be removed asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: FL

Complaint narrative:
fraud these accounts need to be removed asap XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

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 2020-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Received today, a report from Equifax credit bureau updating XXXX.This is not a new complaint, but XXXX name changed from XXXX XXXX to XXXX approximately 15 years ago. I was a co-signer in 2002 for my son for School. His loans was in deferrment, and he has been paying them, and why do I have to pay when he is. XXXX  re-submitted on my credit report and his credit report. This was 17 years ago. Becoming I'll, filed bankruptcy 5 years ago, the trustee was sending payments to XXXX which they were getting paid twice a month..I 'm on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I put a freeze on my sons ' TransUnion credit report under the XXXX  Minor Credit Protection Program. In a letter from TransUnion dated XX/XX/2017, they stated, " We will remove the Credit Lock automatically from the child 's TransUnion credit report within 30 days of their 18th birthday. '' My son is now XXXX years old and trying to rent an apartment and his application was denied because there is still a freeze on his credit report. We can not be the only family that is beyond frustrated by the incompetence of TransUnion. Please help us and other families resolve this unfair and unjust violation of TransUnion 's own policy. 

Thank you

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 2020-07-07 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: KS

Complaint narrative:
To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: KS

Complaint narrative:
To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.

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 2020-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SAMUEL I WHITE PC
State: VA

Complaint narrative:
In 2007 Samuel I White PC allowed XXXX and XXXX XXXX XXXX to misuse a poa and steal XXXX mortgage that XXXX XXXX XXXX and I had on our home at XXXX XXXX XXXX XXXX, XXXX Virginia. They stated it was a short sale. I signed paperwork that appeared to be for short sale but found out later it was sold out right for XXXX. Samuel I White PC allowing XXXX XXXX ( mother in law ) to file bankruptcy and refinance the mortgage. Hiding the assets in her name. All unbeknownst to me. I continued to pay half of the mortgage for the next 2 years. 
XXXX XXXX having multiple ( 12 ) deeds of trust on her home at XXXX XXXX XXXX, XXXX, Virginia XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
XXXX XXXX  has reported another person phones and equipment to my account and billed me over XXXX. I have disputed this with them and chose not to bill the correct person and sell the account to debt collectors. This is the second debt collector to report this to this to my credit when this is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Moved out of Ohio in 2015. We paid all our utilities before we moved. 4 years later I see a debt on my credit report for XXXX XXXX XXXX. I never received any Bill 's or notices in the last 4 years about this bill. We paid everything before we moved. 
I do not owe this debt, and have disputed it already. But they refuse to remove 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 explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
On XX/XX/XXXX of 2019 XXXX was debited from my checking account after services were cancelled. This was communicated as " final amount owed '' to cancel service. I paid and went to new company. I then received a bill for another amount. I disputed the {$120.00} with my bank and they deemed the amount to be correct and agreed after speaking with XXXX. On XX/XX/2019 a charge for XXXX was debited from my bank account to correct dispute and deemed resolved with XXXX and myself, XXXX XXXX. 
since XX/XX/2019, I have received this same debt on my credit, first from XXXX XXXX and then now most currently sunrise credit. This debt has been fulfilled, services were cancelled in summer or 2019 and new service was acquired with different cell provider. 
this debt continues to harm my credit and money was taken from account and paid directly to XXXX, I can not get a hold of anyone at XXXX  that knows what to do and how to resolve and have proof amount was paid out of my checking account to creditor. Amount has changed from {$120.00} to {$120.00} to now {$130.00} for " fees '' associated.

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive contacted Equifax several times, the last date Ive contacted Equifax were on XXXX XXXX. I requested to have Equifax report my information. The rep stated they were. I informed her they wasnt. Please contact them in regards to reporting my information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
On the second of XX/XX/2019 the law offices of XXXX XXXX XXXX sent a man claiming to be with the XXXX XXXX County courts. he showed me a printed ID with no picture saying he was with the county and said I was being sued. He gave me no paperwork and no original document that had a court date or anything else. I told him with out a picture ID that indeed looked like a valid County ID that he needed to leave. He got angry and upset and I told him to get off my property and not comeback. He was real close to me physically throwing off my property. I received another letter from this crooked attorney last week and called to explain the situation to them but all they want to do is demand money. All I have is my Social Security and Veterans Benefits. 

The law offices address is XXXX XXXX XXXX XXXX., # XXXX XXXX XXXX. California, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, And this company is refusing to fix and claim its verified with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I requested a loan recast on XX/XX/XXXXand sent a {$50000.00} ( $ XXXX to pay down the principal and {$300.00} for processing fee ) cashier 's check on XX/XX/XXXX. After they received the check, I found out they didn't apply the whole $ XXXX toward the principal. Instead they applied a big portion toward future mortgage payment. After that issue was fixed, they were supposed to send me the recast agreement to sign and return. I found out by the recast agreement document they posted on my account online, they sent the document to Idaho while I live in California. So I printed the agreement and notorized it and sent it using the mailing label included in the Recast Agreement on XX/XX/XXXX. While the agreement said to send it back to their office in Connecticut the mailing label was addressed to XXXX XXXX in XXXX  Arizona, so I called them to make sure it was OK to send the agreement to the XXXX  office and I was told they have an office in XXXX  and it was OK to use the mailing label. Tracking system showed the agreement was delivered on XX/XX/XXXX. OnXX/XX/XXXX, I had an envelope marked as confidential on my front door that had a cover page instructing me to call a local company to sign and notorized the included recast agreement which I did already a few days before. I've been calling since XX/XX/XXXX to find out the recast status, whenever I got to talk to a customer service representative nobody knew the status. They promised to call me back and I haven't heard back I also emailed them 3 times while auto reply said they'd get back within 48 hours, but I haven't heard back. This is my complaint about the recast.

My second issue with The Money Source is they sent me the XXXX form with incorrect interest paid for XXXX. With the attached monthly transactions and XX/XX/XXXX statement, I found out they didn't include interest paid for XX/XX/XXXX in the amount of {$490.00}. I called to request correction of 1098 early XXXX and haven't heard back for a couple of weeks, so I called again and no status on that. Then around XX/XX/XXXX, I received a XXXX INT 1098 that is {$490.00} more than the amount in the original 1098 form posted on my account at the beginning of XXXX. They corrected the wrong 1098!! I called and they told me I had to call the IRS to correct it because the IRS gave them that amount which is completely wrong. They are the one reported the info to the IRS. Up till today they still wouldn't admit they made a mistake on my XXXX 1098 form and added a mistake to my XXXX 1098 form. Because of their mistake, I have to file for extension for tax return for the first time. 

TMS should not be in the mortgage business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANNER CORPORATION
State: OR

Complaint narrative:
I have been steadily making extra payments towards the principal balance in my loan since I moved into my home in XXXX of this year. Starting 2 months ago, I have been unable to make those additional payments online and have had to call the bank and chat online and go through an extremely lengthy process to do so. Every single time XXXX chat online or talk to someone over the phone Im told theres an issue that is being worked on on the online platform. I also am getting conflicting information on payment towards my principal : some workers tell me making a general extra payment will automatically go towards my principal, some have told me its not possible to do it over the phone, some have said it is possible, and some have told me that the simple bug online will be fixed soon. I believe my account has been flagged because I have been paying thousands of dollars extra a month on my principal balance, which means less interest made on my account. The last straw was when I called a few days ago only to be told that I couldnt make the extra {$2000.00} payment on the phone, and to make a general payment online and it would automatically be applied to my principal. I knew for a fact it could be done over the phone ( I did it last month ) but I didnt feel like arguing. I made the payment, and It did not pay down my principal. It was recorded as a regular monthly payment and did not reduce my principal by {$2000.00} like I asked. I got confirmation from the employee that it would. This is the most ridiculous thing but I do believe it needs to be investigated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times. They are refusing to fix and always claim its verified with no proof.

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 2020-07-07 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: NY

Complaint narrative:
Experian is not investigating dispute that I made three times since XXXX of this year. I even sent them in paper a mail with all the profs showing the mistake. They keep saying they modify my account and they not doing nothing. I called, email and mail them several times and nobody seems to care. My score in between had been harm with a over 100 points loss with this. Please help 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 2020-07-07 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 Dont understand why a large corporation like Experian can continue the unethical, oppressive manner by which the run a critical component of a citizens life and lively hood -credit reporting. In 1 day my credit score dropped 9 points. I did nothing, no late payments, no inquiring, no new credit accounts. No rhyme or reason for it except retaliatory. I suspect because they have the power to do so. I provided proof that based on credit laws XXXX XXXX - collection item should have been removed ( XXXX ) instead Experian updated the negative reporting as XXXX XXXX updated the XXXX while it should not be on my report, updated it as a ongoing monthly delinquency when last payment was XXXX, they continue reporting it as negative reducing my score monthly. They removed collection items and did not increase my credit score but instead decreased it. There are other errors that other credit bureaus corrected and Experian did not. The reason retaliation for complaining through this portal. 

Does this happen to all Americans or just some?

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