vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-07-10 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-10 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was tranfered from XXXX to NEWREZ in XXXX. XXXX was supppose to send a letter about my escrow balance of {$4000.00} in late XXXX. I never revieved it. I contacted NEWREZ in XXXX to verify the fund and they emailed me the same letter and told me they would investigate. In the mean time they are charging me forthey shortage. I have contacted them several time in the past few months to resolve the issue and everytime they tell me it will be escalated. I have talk to customer service reps and their supervisors. The escrow department can not be contacted directly by customers. I have been told it would be investigated several time but still no resolution. A few of the people that Have have talked to are XXXX, XXXX XXXX, and most recently today ( XXXX ) was XXXX XXXX. Again I have been in constant contact onece a week or more since XXXX about this. 2 weeks ago I was told and check would be sent out which I did not recieve. I called again onXX/XX/2020 and the told me that it is be investigated again. Today just talked to XXXX XXXX and she that they was no one available to revolve it at this time. PLEASE in need assitance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Received an email on XX/XX/XXXX stating that my '' revolving credit limit has recently been revised. A review was completed saying that my payments were too low, revolving credit balances were too high, I had too many credit card accounts with them and that my balances were too high compared to my overall credit limit. '' My credit was immediately reduced by half, leaving me with almost no available credit on the two cards I had with Citi-Cards. 
I have been a citi-card customer for over 20 years. I have a good credit score according to XXXX  XXXX on XXXX XXXX. According to XXXX  I have a low credit usage 29 % on XX/XX/XXXX. I have an Exceptional Payment History 0 late payments, 0 collections, 0 Public Records according to XXXX  on XXXX XXXX. I have an Exceptional Credit History Length average age of 12 years and longest of 38 years. All of my credit reports are of Exceptional payment history. " I have never been late or missed a payment to any credit card or other type of company requiring my payments. 
I contact citi-cards customer service and they would only tell me that a letter was sent to me to explain the reasons for the reduction in my credit limit. I have not received the letter as of XX/XX/XXXX. I requested a review of this decision and was told that they would not review it. I requested to speak with a supervisor and was also told that it would not be reviewed. 
The actions of Citi Card damage my Exceptional history and will impact my credit score. I  am asking that they reinstate my credit to the thresholds prior to XX/XX/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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
There is a account from XXXX in which I was charged for not returning equipment. I however filled a complaint with the FCC and have since been in contact with XXXX office of the president. They have credited my account to a zero balance and sent me a letter stating that this account will be removed from my credit report because it was giving to Sequium asset solutions for an account that was misreporting. I have contacted Sequium and I am told that the account will only be updated to show paid in full. I have emailed them the form from XXXX  and I am told that they can not verify me I then responded back to the email with my address and phone number and never got a reply back. I also called many times to speak with a supervisor and I finally got one and she took some information and told me she would call be back in ten minutes and never did. I then called back the next day and was told that Sequium does not do pay for deletion and that I could not speak with the supervisor and to call back later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash has tried to debit my checking account for XXXX and due to COVID 19 I  am not receiving any income or paycheck at this time. They have also reported me to the credit bureaus and has made my credit score drop. I don't have any income right now and can't pay them back currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Your attention to this complain is very essential and must need investigated and brought to proper authorities for further investigation and possible prosecution. Perhaps to the General Attorney 's office who does handle discrimination cases. 
Initially my complaint filed with your agency complaint # XXXX all the facts was outlined. I also filed with another agency complaining the same time which that agency forwarded to you for further valuation and handling. The second complaint was filed under # XXXX. Today after checking the status in your website the Bank of America closed both complaints without given any explanation other than have the consumer contacting us and a phone number XXXX ( XXXX ) XXXX-XXXX X XXXX All these are calculated plans to avoid and instead come clean. No phones return since I called and called again and again for at least 7 times all during working hours ( Pacific Time ) They need to answer you with valid reasons what are their position not approving my loan application? Bank of America 's action must be investigated you have my full support with hard solid evidence not just allegations. It is crucial these bankers been getting away for so long and is time justice to be served for all. 
Thank you XXXX XXXX, applicant

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 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management continues to call me at my place of employment. I have advised nicely that it is a place of business and that personal calls are not allowed and they continue calling my job at least once a day, often multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I was involved in a motor vehicle accident and had to receive an XXXX of my XXXX and XXXX. I provided my health insurance information to XXXX XXXX XXXX. The insurance company previously approved the treatment. After I completed all my treatment, I went through the subrogation process and reimbursed my health insurance company. 
I recently received a letter dated XX/XX/XXXX from Frost-Arnett attempting to collect {$4400.00}, which is about {$3000.00} more than the contracted rate for the service I received. I contacted the collection agency whom stated it was never filed with the insurance company. 
I spoke with a representative at XXXX XXXX  XXXX, the billing company for XXXX XXXX, whom stated there's nothing she can do because it's been sold to a collection agency. 
Frost Arnett wants the full amount and refused to file the bill with my health insurance company, and/or reduce the amount to the contracted rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I financed a vehicle in XX/XX/XXXX for a term of 72 payments. I have been paying an additional {$60.00} each month in an effort to reduce the length of my loan from XXXX to 60 months and, most importantly, reduce the amount of interest incurring during the loan life. XXXX of XXXX, Hyundai retroactively changed all of my principal payments to be reflected as " pre-payment '' instead of payment on principal, thereby allowing them to charge the maximum amount of interest, rather than pay interest on only the principal. This is how compound interest works. Hence, my attempt to reduce the principal balance as quickly as possible. I have been calling once a week since XXXX to have these adjustments the applied to my account without my authorization corrected. Ive spoken to customer service reps, supervisors, their supervisors, and their supervisors. Everyone says they will have it corrected in 3 days, only to further complicate the situation. I've requested call backs from supervisors with no return phone calls, I've been hung up on, and have been placed on hold for hours at a time. My payment history online makes zero sense and reflects no payments due months, wrong payment amounts, {$60.00}, {$120.00}, XXXX, XXXX, XXXX ... I can not tell my current balance, and I have zero confidence that my interest has been calculated correctly XXXX certainly resulting in a profit on their end and overpayment on mine ). I feel I have been overcharged, payments have not been reflected correctly since XXXX of XXXX ( or at all ), and I feel very taken advantage of. I've attempted many times to have these issues corrected, I have requested that my payments be reflected correctly online and, in my statements, to verify accuracy. In fact, my account currently reflects that I owe a balance in XXXX of {$100.00}. This indicates that a {$300.00} prepayment continues to be reflect in my XXXX statement. As I have requested months, there are NO prepayments, ONLY principal payments to effectively reduce the principle.

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 2020-07-10 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: OH

Complaint narrative:
On XX/XX/2020, I sent Experian a dispute letter XXXX attached ) via certified USPS mail to block fraudulent information from my credit file. On XX/XX/2020, I received notification that Experian removed the fraudulent information from my credit file with the exception of a disputed bankruptcy public record. Specifically, Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX Mc Lean, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. 

Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.

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 2020-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, On XX/XX/2020 I made a cash deposit at my local Chase Bank via their ATM. The ATM accepted the cash but my receipt stated there was a problem with the deposit and to call the bank to confirm the deposit. 

Since this time I have visited the Bank and spoke to the Manager several times and called customer service with no resolution. I have been asked to check back in a few days for an update but unfortunately I continue to get a default answer " we're still researching. 

Amount deposited : {$1300.00} My phone number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I spoke with XXXX XXXX XXXX on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX XXXX one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX  to be exact ) and spoke with the property manageXXXX. She informed me she never received any type of dispute from XXXX XXXX XXXX At this point the CFPB should investigate and shut this company down by responding with false and fraudulent information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX  Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having surgery. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-10 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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