vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: GA

Complaint narrative:
On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 2020-07-15 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: MI

Complaint narrative:
On XX/XX/2020 I sent a request via certified mail to Experian Credit Reporting Agency exercising my rights under the Fair Credit Reporting Act, Section 609 to see the original contracts that contains my signature for several accounts listed on my consumer report. To verify my identity I included with this request a copy of my birth certificate, social security card, driver 's license, a recent w-2 form, a recent cell phone bill along with the report with the debts circled and highlighted. I was notified that they were investigating and the results were simply that they " verified '' the information. The original contracts with my signatures were never produced. On XX/XX/2020 I followed up and sent another request for the original contracts for the same debts that contain my signatures. Again I was told that Experian " verified '' the information. The request to see the original contracts with my signatures were denied. I sent the request to Experian for the original contracts that contain my signatures again via certified mail for the same debts being reported on XX/XX/2020 and XX/XX/2020. Again, I was told the debts were verified. Again, I was denied copies of the original contracts containing my signatures.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXX XXXX XXXX   XXXX ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX  To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
On XX/XX/2020 a fax was sent to XXXX XXXX. I received no response so I sent another XX/XX/2020 they finally responded 2 days ago. Furthermore, I sent a dispute to investigate the legitimacy of the account to experian on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time on both parties by law experian is obligated to delete the account of face legal action. In addition, under New York State law regarding repossession, I did not receive correspondence regarding the sale of the alleged repossession. Please prove that I received such documentation, ex. Certified mail signature. If you can not verify such the account must be delegated.

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 2020-07-15 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: NJ

Complaint narrative:
I have been trying to do my absolute best to fix all the issues on my credit report and make sure everyone and everything is perfect. But of course when it comes down to the last one it's XXXX XXXX XXXX XXXX. A once amazing bank that has become known to not give a dang about anyone or anything. 

I had a car loan with this company for 5 years and had perfect payments of {$480.00} every month. But according to Affinity I was late 60 days, which I disputed and now I'm late 90 days. So now it's even worse. These late payments are from 6 years ago and of course Affinity decides to add some more on. There is no way this account was ever late this much due to my fault. Why would I neglect a $ 35ish payment for 90 days when I paid {$480.00} every month for 5 years during this same time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NJ

Complaint narrative:
I have been trying to do my absolute best to fix all the issues on my credit report and make sure everyone and everything is perfect. But of course when it comes down to the last one it's XXXX XXXX XXXX XXXX. A once amazing bank that has become known to not give a dang about anyone or anything. 

I had a car loan with this company for 5 years and had perfect payments of {$480.00} every month. But according to Affinity I was late 60 days, which I disputed and now I'm late 90 days. So now it's even worse. These late payments are from 6 years ago and of course Affinity decides to add some more on. There is no way this account was ever late this much due to my fault. Why would I neglect a $ 35ish payment for 90 days when I paid {$480.00} every month for 5 years during this same time!

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
New Rez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC XXXX, TX Branch Office NMLS ID # XXXX When NewRez began servicing my mortgage in XX/XX/XXXX, they began charging me for PMI without my knowledge. I had previously had this removed when mortgage was being serviced by XXXX. I was below the Loan To Value ratio that permitted it. 

I was charged {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$49.00} on XX/XX/XXXX {$99.00} on XX/XX/XXXX None of these charges are legitimate and I have requested refunds for the misappropriated funds but to no avail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Who is this Company to request all this information State Police, FBI, FTC etc. This is fraud Company. FTA sued this company about selling peoples information to private companies about peoples data in million .

Equifax Inc. has agreed to pay at least {$570.00} XXXX, and potentially up to {$700.00} XXXX, as part of a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau ( CFPB ), and 50 U.S. states and territories, which alleged that the credit reporting companys failure to take reasonable steps to secure its network led to a data breach in 2017 that affected approximately XXXX XXXX people. 

I think ( CFPB ) remember this or not they have this in there system or not this is fraud bureau who take peoples information themselves and placed freeze in there credit report and when peoples request them to take off freeze from there credit report this fraud credit bureau request peoples information same as like my, copy of my social security card, copy of my driver license, W2 form, and other information so they can sold these to private companies to make money. 

This fraud Equifax not like that peoples receive credit cards offers this Equifax can give free money to peoples but not helped them to receive offers from credit card companies to offers credit. 

So I request CFPB to reopen my case and canceled Equifax request and take off freeze or fradulent alert or something which fraud Equifax placed in my credit report so I receive credit card offers in mail. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC
State: CA

Complaint narrative:
Good loans fast is listed in my XXXX report saying that i have an existing loan but i did not receive any amount of money, i only have an existing payday loan with XXXX XXXX, XXXX XXXX and XXXX XXXX but not good loans fast, here is the information of good loans fast listed in my XXXX  report. 

Date of Loan : XXXX Merchant Name : WLCC Lending AIL dba Good Loans Fast Merchant Phone : ( XXXX ) XXXX City, State, Zip : XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WA

Complaint narrative:
I went through a hardship after I XXXX   from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2016 the Alaska   Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Starting a couple of years ago, I was getting collection calls for someone name XXXX XXXX ( I don't know the spelling but it sounds like that ). I have had my phone # since XXXX. I tracked down the original caller who said it was debt from a hospital. I called the hospital and they couldn't do anything about the calls. I continued to get calls, no matter how many times I told the caller I am not that person, don't know that person and that person gave them a wrong number, they persist. I received yet another call XX/XX/XXXX at XXXX from Radius Global Solutions. I took the name down told them they had the wrong number. I was put through to the  supervisor and told him also they had the wrong number. 

I have tried over and over again to get them to stop. It is not my debt and I don't know who the person is.

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 2020-07-15 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: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WA

Complaint narrative:
I went through a hardship after I graduated from college. I couldnt pass the XXXX to secure a job. My wife and I moved out of Alaska to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the Alaska Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank restricted my account and can not tell me why my account has been restricted and I cant pay bills or feed my family. I visited the branch and called twice and have been given the run around for two days  straight. Account was restricted on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XX/XX/2020 i, i called hyunadi finance to make a extension for the car payment due to corona virus i had lost my job and they had a three month extension for us. but was charged XXXX dollars 2. then in XXXX we got a statement we were late three months on car payment : that was problem number one. 
3. i called again in may to talk to someone regarding this amount and they said they fixed the promo and i was okay to go. 
4. next i look up the account on line it was showing i was later again two payments so i paid XXXX on XX/XX/2020 % then on XX/XX/2020 i made another payment for XXXX XXXX this should have took up up to date on the XXXX payment but then again another problem with hyundai so now we are in XXXX its the XXXX today of XX/XX/2020 and we are now in a negative XXXX dollars so i am in so much of a panic i can not be without a car i just got a full time job back and i am doing ok i can afford my car payments please help me with this companies irresponsible actions. ^ where its the money i was charged in XX/XX/2020 for XXXX? this is robbery i need help. 
6. also in XXXX around the first week it showed i has a credit for ( XXXX ) for the petition extionsion for the corona virus relief. now today on XX/XX/2020 its show i have no credit it says i owe XXXX for four payments late. 
7. no the are yelling me saying me that my car is under repression and they are coming for the car this is abuse. i need help please they are demanding all this money and they were suppose to be helping me where is the money i have already paid for then to fix there mistake in XXXX now i owe again XXXX thank you god bless

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX   to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX XXXX is showing several late payments for my account at XXXX, TransUnion, XXXX  before selling the loan to a different lender.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I went through a hardship after I graduated from college. I couldnt pass the ARRT to secure a job. My wife and I moved out of XXXXXXXX to XXXX and things got worse with trying to pass the bar exam and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX  XXXX is showing several late payments for my account at XXXX, XXXX, Equifax before selling the loan to a different lender.

Company response to consumer: Closed with explanation