vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' XXXX XXXX, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with USAA. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from XXXX. I have attached also most recent Consumer Loan Statement, from USAA, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked USAA to remove my name from loan, and it was refused. 

I ask that USAA make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE XXXX LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXXXXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} XXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX  {$5800.00} XXXX {$0.00} XXXX {$1000.00}

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 2020-06-04 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX  {$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 2020-06-04 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}

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 2020-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
i feel like i was tricked and preyed upon I never knew nor gave permission to run my credit. my credit is how they charge their interest rate on my credit rating in which they knew wasnt qualified for it but saw the equity in home. i am XXXX years why would i sign a 30 year loan A lot of the information was hidden from me the contract was done over the phone ygrene sent paperwork to my grandaughter email because i am illiterate and dont really understand english to understand all the terms are buried in FinePrint then I never signed the contract to this day. i wasnt told that i would pay them with property taxes and that they were putting a lien on my home. These people make you use their contractors, which I wouldn't have an issue with ... except they all quoted me 3x higher than 3 separate local contractors.. It's sad that they take a clean energy situation and turn it into predatory lending to take  advantage of consumers Excessive program fees, the program is represented as an assessment that is paid like taxes which made my mortgage go up so much that I can not afford my home anymore they charged application fees processing fee underwriting fee jurisdiction recovery fee??? 
recording fee disbursement fee title fee escrow fee energy audit fee origination fee bond trustee fee now i have a lien on my house for {$80000.00} i need this to be investigated i want them to stop going into my escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: CORELOGIC INC
State: OH

Complaint narrative:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or 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 2020-06-04 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: LEXISNEXIS
State: OH

Complaint narrative:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}

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 2020-06-04 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AL

Complaint narrative:
I have come here to this site hoping someone can help me with Trans Union. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.

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 2020-06-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the Experian credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX XXXX account # : XXXX ). I Mail a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the XXXX Collection. XX/XX/2020 I disputed the XXXX collections with Experian again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from experien in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Experian was able to verify these accounts? contacting the cfpb to see if they can get Experian to do a thorough investigation and remove the 3 collection account if they are not verified. Thanks

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 2020-06-04 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}

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 2020-06-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXXXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}

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 2020-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I just had a collection account show up on my credit report that i have no idea where it's from but i think it's part of my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}

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 2020-06-04 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed for Chapter XXXX BK in XX/XX/XXXX and was XXXX XX/XX/XXXX and the mortgage was not reaffirmed. Chase has reported negative credit marks to the credit agencies from XXXX to XXXX. My loan was serviced released in XX/XX/XXXX and Chase filed to notify my new servicer about my Chapter XXXX discharge and the loan not being reaffirmed. Because of Chase error and not providing the new servicer with the correct information during a transfer the new servicer also started reporting to the credit agencies. I was able to submit my Chapter XXXX information to my new servicer and they have since corrected the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank denied me to make my loan current. Made me reorganization and increased my mortgage over 30 more years. They also broke into my home at least 3 times.

There is more attached They have escalated the interest 4=5 percent. Second I was denied to make my loan current They increased my loan has been increased to be a 62 year mortgage. I believe the XXXX. employees violated truth and lending practicing I am very upset they allow people break into my home and damage my property, I should have been allowed to keep my FHA loan. I would have matured this loan in 2022. 
I believe and my feelings Truth and Lending practices have been violated. I am also concerned this broke the laws like extortion, fraud, breaking and entering. etc I wonder how many payments that Fifth third has denied excessive payments and sending checks to me that have never been cashed. It is ridiculous. 
There is no way I should still have to pay them for 34 more years. I haven't even able to pay my loan and haven't even paid 50 % loan after 28 years. 
I also believe these employees and goals were to force me to change my mortgage from the FHA XXXX XXXX XXXX XXXX  was paid 2 {$800.00} payments and they never applied to my mortgage and their Manger was absolutely RUDE Second I already made payments. The bank does a horrible job accounting. They should never break into my home and demand be paid a second time {$2400.00} or they will foreclosure my property. So my payments should be probably 4-5 payments in advance I am also very concerned that their craigslist employees will try and break into my home and they will find myself in a life threatening situation Please see the attached documents I the consumer Financial Protection believes Fifth Third Bank should be sued I will be more then willing to help. 
Please only email me : XXXX or telephone Number ( XXXX XXXX XXXX. I do not want any snail mail. I was recently in the hospital for XXXX weeks and the XXXX   for four times and had XXXX XXXX XXXX. When healthy I am single and travel for business and do not want sail mail I also believe the employees names addresses city state zip and emplyee ID 's given to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 a technical error with my bank occured, double payments to Freedom Mortgage in two amounts of {$1400.00} were sent twice. Freedom Mortgage is making it difficult for me to get my money back as promised today. I have spoken to a customer service manager and she can't refund the money, she says it is done in a different department. XXXX XXXX Employee ID # : XXXX ) refuses to put her supervisor on the phone. She also requested a bank statement emailed at a generic company email address, I sent screenshots of both transactions but she says they might not be good enough in order to get my money back. I have no money because of this error, I have XXXX XXXX XXXX, and I am a XXXX veteran who lives alone. In the end, I still do not have my money back and I am in dire straits.

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 2020-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Had a dispute on charges, was asked to write a letter and mail and fax.Did as asked XX/XX/2020. As of today have not heard a response and the phone is not answered have spent over an hour listening to the recording but no one picks up.It has been over 30 days and I expected a reply before now .Would have liked to resolve with the company.

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