vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
RENOVATE AMERICA ( NOW ON YOUR DATABASE AND FILES ) HAS SENT WRITTEN REPLIES IN THIS SITE AND BY LETTERS TO US, BUT HAVE NOT ADDRESSED THE MAIN FOCUS OF OUR COMPLAINTS WHICH ARE THE HIDDEN FEES OR CHARGES THAT WE CONSIDER EXPLOITATION AND ELDERLY ABUSE, FRAUD IN DISGUISE TO CHEAT CUSTOMERS. 
THESE HIDDEN CHARGES ARE AS FOLLOWS : 1 ) DAILY INTEREST CHARGES, 2 ) BONDING FEES BY XXXX XXXX XXXX XXXX  FROM XXXX, CA, 3 ) DOCUMENTATION FEES OF {$50.00}. 
JUST TO OBTAIN OUR CURRENT BALANCES .NO REFUNDS BY DRAFTS AND OR CHECKS AS THEY PROMISED ARRIVED TO DATE OF THIS WRITING. THEIR ESCALATING CHARGES PUTS US IN A NEVER ENDING VICIOUS CYCLE OF ILLEGAL DEBT AND FINANCIAL STRESS AND UNENDING MENTAL PAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-04 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19

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 2019-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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:
I was a victim of fraud and for whatever reason Exeperian is not removing an account that even the company has indicated they were removing it because it was fraud. There is an account reporting under XXXX XXXX XXXX account number XXXX for which I have attached the correspondence with XXXX showing that Experian never even attempted to rectify this.

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 2019-11-04 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS CREDIT XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX {$110.00} not mine XXXX XXXX   XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XXXX {$710.00} not mine XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the process of purchasing a home. I have many errors on my Experian Credit file. I have been disputing them with Experian for 4 months and with absolutely no results. They have my Driver 's license, utility bill and social, yet they just sent me a stall letter stating that they received a suspicious request after I filed a failure to respond to my disputes. There is nothing suspicious about my disputes and they are in compliance with the Law of the FAIR CREDIT REPORTING ACT.

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 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I was in the hospital from XX/XX/17 thru XX/XX/17. For medical insurance I am double covered. Every bill for that 5 days has been paid but these two : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$160.00} Both bills are trying to be collected by Grant Mercantile Agency , Inc. XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX. 

As stated before, I was doubled covered by XXXX which I no longer have information for. The other is XXXX member no XXXX XXXX case no. XXXX. Both of these bills are in collection because of insurances not being billed correctly. I am on XXXX XXXX and don't have the income to pay these bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX never late XXXXXXXX XXXX never late XXXX XXXXXXXXXXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX   XXXX {$430.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized

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 2019-11-04 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-04 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a identity theft complaint, including the report number, an some of the accounts were deleted, but there were some that came back verified, but I have not recieved any evidence of the verification or who verified these accounts.

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 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS  09 XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX  XXXX XXXX XXXX XXXX  XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2019-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On Friday, XX/XX/XXXX, my sister received a refund from her school which she transferred to my bank account. The amount sent to me was in 2 transfers. One for {$1500.00} and the other for {$500.00}. I then transferred the money back to her via Venmo in 4 payments, 3 of {$500.00} and one payment of {$480.00}. We then went to XXXX and her Venmo debit card kept declining but she had more than enough money to make the purchases, so she sent the money back to me in the amount of {$430.00} and when I tried to make the purchase using my Venmo debit card the card declined for me also, so I tried to transfer the money back to my bank account and Venmo declined my transfer. So we went online to try and make the purchases and they kept declining. We think, at the time, that maybe its just XXXX processors because thats what the customer service agent told me could be a possibility because on their end there was nothing wrong with my account. So my sister went to XXXX  XXXX  website and bought a tv with her Venmo card and the purchase was successful so she tried to make another tv purchase for our new home and it then declined. She she sent me the money back for the tv in the amount of {$360.00} and we used my card to make the tv purchase with XXXX XXXX for {$180.00}. And it was successful. My sister then sent me 2 more transfers, one for {$120.00} and another for {$600.00}. Venmo has since then frozen my account for apparent violations of user agreement but when I spoke to a representative, the rep could not tell me which of these user agreement terms I violated and had no information about what was going on with my account. When I asked to speak to a higher up, she then told me that she could not transfer me to a higher up and when I asked to speak to their fraud department, she claims that the fraud department does not have any phones and is unreachable at all and that I had to wait for the email from the department which I received this morning claiming that because of these violations they have closed my Venmo permanently and that they will be holding my funds for up 180 days while they investigate the claims against me, although on Friday when I receive an email about my funds being frozen, I sent my state ID as proof of who I am. Venmo claims that they are also no longer able to assist me with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NE

Complaint narrative:
Repeated calls. Up to 5 or six times a day. 5 or 6 different numbers to get around my blocks. Refuse to identify themselves. Continued to call after I requested..then demanded they stop.

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 2019-11-04 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:
Equifax is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EQUIFAX BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX SENIOR VICE PRESIDENT, AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX PRESIDENT OF U.S COMMERCIAL SERVICES AND CORPORATE CHIEF OFFICER OF EQUIFAX WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EQUIFAX HAD ME LOCKED IN TO!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay Card Shut my Credit card down Without prior notice At the time they shut my credit card down I had over XXXX travelers points They can be redeemed for over {$1600.00} towards travel. after my account was shut down My rewards balance went down to 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 monetary relief
Consumer complaint received 2019-11-04 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:
EXPERIAN is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EXPERIAN BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX CHIEF EXECUTIVE OFFICER OF EXPERIAN LLC, AND XXXX XXXX XXXX OF EXPERIAN LLC WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT AGAINST EXPERIAN! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EXPERIAN HAD ME LOCKED IN TO!

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 2019-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
on XX/XX/XXXX I received a call for a man saying he was XXXX with BB & T and it was imperative and in my best interest to call him back. Advised I needed to pay {$980.00} to avoid my mortgage going into foreclosure. I gave my savings account number but didn't have enough in it to pay so I was told to get XXXX XXXX XXXX XXXX card and I did. On XX/XX/XXXX for {$500.00} and On XX/XX/XXXX for {$490.00}. I called the direct number back XXXX and the number was no longer in service. After reviewing my cell phone messages this man has left me two threating messages from that number to call him. 
I have spoke to SLS and BB & T regarding this and either account has the payments posted. I need help tracking down this well needed money. Due to my account about to go into foreclosure. I am a single hardworking mother whom have taking over the care of XXXX little girls and keeping my sisters kids while she is working out of state. Please tell me there is some hope of getting my funds back.

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