vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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: NC

Complaint narrative:
I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I formerly had a credit card through XXXX XXXX XXXX which I never used. However, in XX/XX/XXXX, the card was compromised and fraudulent transactions were processed. I disputed the transactions immediately, but XXXX XXXX continued to bill me for them ; when I refused to pay, the added interest, fees, and penalties. 

With no resolution in sight, on XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, they referred the case to the Office of the Comptroller of the Currency. On XX/XX/XXXX, the OCC mailed me to say they had initiated their process and contacted the bank. On XX/XX/XXXX, XXXX XXXX mailed me to say they were clearing all monies ( transactions, fees, penalties ), closing my account as I had requested, and reporting the change to the credit bureaus. I received a letter on XX/XX/XXXX from the XXXX confirming same ( all documentation attached ). My credit score immediately jumped back to its normal 750 range, and all was well. 

Until today. 

I am in the process of purchasing a new home, and our credit report came back with a claim from your agency, citing a collection of the above-referenced debt. I called your company for an explanation, and was told that you had purchased this debt on XX/XX/XXXX. If that is the case, how was XXXX XXXX able to adjust my account? How could they have corrected the issue with the credit bureaus if they didnt even own the debt? None of this foots, and I demand an explanation. 

I am already being negatively impacted by this matter, not only in the interest rate Id have to pay on my mortgage, but on the limitation it puts on the amount I can finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: NY

Complaint narrative:
there is Incorrect information on my credit report I would like removed. I am being hit by experian for a hard inquiry on XX/XX/2019 from XXXX XXXX XXXX. Under the fair credit reporting act I have asked XXXX to show me any proof that I made any type of Inquiry with my signature from there bank which they have not showed any proof as I did not do this. I would like to have this Inquiry removed as it was never authorized by me and was fraud. I would also like this removed from any other credit companies that have this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
My properties Hazard insurance ( policy number XXXX ) for the period XX/XX/XXXX thru XX/XX/XXXX for the amount of {$3800.00} was paid by my mortgage company, Ditech, in the form of 2 checks to the insurance company in the amounts of {$140.00}. on XX/XX/XXXX and {$3700.00} on XX/XX/XXXX. I have those check numbers from documentation from insurance company if needed. On XX/XX/XXXX I was charged {$320.00} for what was labeled Earthquake Insurance disbursement. I was  again charged {$100.00} monthly in XX/XX/XXXX thru XX/XX/XXXX. I was charged {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX. It took me 6 months starting in XX/XX/XXXX to get the mortgage company to finally admit these Earthquake disbursements I was being accessed was for forced placed insurance. I have never gotten an explanation as to why they started to charge force place insurance when they had paid the hazard insurance on the property. 

When you call customer service to ask a question you are put on hold for up to 45 minutes and then phone generally disconnects before the individual returns with your answer. Also since this company uses foreign call center s for it customer service it is very difficult to understand what they are saying especially when they are reading from a FAQ. They have limited ability to understand what you are trying to convey to them to be able to act on it properly. 

I have asked the mortgage company for a refund on the {$1300.00} they have charged me in forced place insurance when I was in compliance by having hazard insurance on the property. 
I was also charge {$15.00} in XX/XX/XXXX and XX/XX/XXXX, which I still can not get a valid explanation for yet. 

This haggling with them for over a yea to get this resolved has got to stop, please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I signed up for moneylion plus where they would give you {$500.00} loan and you are to pay it back on a set schedule to enhance your credit report. They are to release a portion of the {$500.00} to you and when I was approved and granted {$75.00} from it online yet, I never received it. They said they sent me a debit card to retrieve the funds and I never received that either. The app says you can add your bank to it to receive the funds but their app does not work properly. I called them and nobody answers the line, I left emails ( tickets ) and its an automated response that doesnt help. I asked to cancel it and was told I can by the automated response. I was told they would mail the debit card out again and once again no debit card. Here I am being held accountable for a loan I never got. Now on XX/XX/XXXX they deducted {$9.00} from my ACH bank account and I still never received the funds. I have called them requested a callback from XX/XX/XXXX and still no callback. I think this is a scamming company and I want them off of my bank account, cancel my membership and leave me alone. It is not fair to me im paying them for nothing, I didnt receive a {$1.00} from them and they are aware of it because its still sitting there untouched. Please help me and sadly I seen many posts like mine on XXXX on XXXX and its time for the government to go after MoneyLion because this is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 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: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score. These line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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 did not recognize any of these account and Never applied for these accounts. Please remove all of them from my credit report because its not mine.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REFUSAL TO PROPERLY INVESTIGATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: CO

Complaint narrative:
XXXX and Experian are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score.  These line items need to be removed from my credit 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 non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I opened an account with Citi bank online and funded {$8000.00} on it. 
However I was not able to access my account in any way and I dont know how to access my funds or use this account. 
They sent me emails and letters since I opened the account but with no account number information. I tried using the website and the app ( as I have their credit card ) and my checking account did not appear. 
I tried calling and spent 30 minute on the phone getting transferred and they couldnt help me and hung up on me. 
Then I tried messaging them on the app and they were unhelpful for 10 minutes till I gave up. 

I need help releasing my funds and closing this account, and get compensated for the hours wasted and time value of my funds.

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 2019-09-06 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: NC

Complaint narrative:
I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts 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 2019-09-06 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: NC

Complaint narrative:
I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts 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 non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have got variety call from 3 different numbers stating the same thing and same last four of a card XXXX ( XXXX XXXX ) they are going to take me to court XXXX saying they are your collation agency/ sold this account to them to bill me for a capital one card ending in XXXX for {$2000.00}. 

XXXX ( XXXX XXXX XXXX they are the department that is going to take me to court. they state I had a secured card with capital one. 
all three have been super rude they do not want to give me there information and hang up on me then block my calls XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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:
REFUSAL TO PROPERLY INVESTIGATE

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 2019-09-06 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:
REFUSAL TO PROPERLY INVESTIGATE

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 2019-09-06 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: NY

Complaint narrative:
I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX XXXX is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.

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 2019-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I filed a complaint against One Main Financial regarding their lending terms and practices. I was concerned that the terms of my loan agreement were usury and unfair. Shortly after submitting this complaint with your office, I was contacted by the customer service office of One Main telephone number ( XXXX ) XXXX XXXX, where I was questioned about the nature of my complaint. 
Shortly thereafter, I noticed that an unauthorized debit was initiated in my checking account by One Main Financial. I am concerned that this debit, which was processed without my consent or authority, was processed in retaliation to the complaint I filed against this company with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I entered into my bill pay at Bank of America the following payments : XXXX XXXX, TX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank of America misdirected the payments to 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 monetary relief
Consumer complaint received 2019-09-06 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: GA

Complaint narrative:
I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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 am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.

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 2019-09-06 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: NY

Complaint narrative:
I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX Bank is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.

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 2019-09-06 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: NY

Complaint narrative:
I feel there is inaccurate information on my credit report from experian and other credit companies. XXXX is hitting me with a hard pull on XX/XX/19. I feel this is fraud and not authorized by me. Under the fair credit act I have called them a few times to show me where I went into there bank and signed anything. I have yet to see any accurate proof of anything as I personally did not request my file to be reported for any hard pulls as I know I am very picky when I do backround checks. I am looking for this matter to be fixed and any misunderstandings be resolved.

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