vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: IL

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 given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have tried to use the Experian online tool for placing or removing security freezes on my Experian credit reporting account seven times. I have yet to have it work correctly even though I have the correct PIN number as noted on the document mailed to me by Experian. 

I have yet to reach a human representative using the official Experian customer service number, XXXX ( XXXX   ) XXXX-XXXX. 

If I call XXXX-XXXX-XXXX-XXXX  and choose Option " XXXX  '', consumer customer service, I do not reach a person. If I choose Option " XXXX '', the business customer service, I do reach a person, but after a minimum 30 minute wait. A further counterintuituve obstacle to reaching a person.

I acquired the XXXX-XXXX-XXXX-XXXX  number after having done extensive research on finding out how to speak to an actual human representative on this matter. Nowhere on the Experian.com site is there any place where XXXX-XXXX-XXXX-XXXX  can be easily found, only the XXXX  ( XXXX  ) XXXX-XXXX  number. 

The Experian online security freeze tool has not changed since it was implemented in 2017. 

This is in sharp contrast to online security freeze tools currently available from XXXX  and XXXX   which work quickly, efficiently, and conveniently for free. 

Experian offers an account upgrade, with an account lockout tool that functions the same way a security freeze does, for a cost of roughly {$5.00} per month. 

This has the net effect of costing me half an hour of my time to lift or place a security freeze on my Experian credit reporting account or pay {$5.00} each month to Experian to have the same convenience that XXXX and XXXX  offer for free.

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 2020-04-01 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: CO

Complaint narrative:
XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.

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 2020-04-01 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: CO

Complaint narrative:
XXXX opened an acct in my name. I had attempted to get XXXX. The equipment was never set up properly. The installer was supposed to come back and pick up their equipment and never did. I discovered the acct was still set up fraudulently with a signed contract THAT WAS NOT SIGNED BY ME!! I then was contacted by one collections agency and they returned it to XXXX because I disputed the acct for fraud. Now a SECOND collection agency has added the acct to collections violating Fair Debt Collections Act. I have written several letters of dispute to all credit bureaus and they refuse to remove the account from my credit.

****This account was FRAUD, IT WAS WRITTEN OFF, and now sent to multiple collection agencies. **** *It was not my name signed to the contract and i was not notified of the 2nd collection agency violating my consumer rights**** *****The creditor is not the original creditor. acct was written off and sold to not 1 but 2 collection agencies. **** ****This account is from almost a year and a half ago and have bypassed their allotted time frame to add this to my credit reports. ***** The original creditor received amounts back on tax returns for losses. they are attempting to triple debt since this is now a 2nd collection agency that has attempted to collect this debt!! IT IS AND HAS BEEN A FRAUD ACCOUNT!! XXXX states I am liable simply because there is my name signed on this alleged contract and refused to investigate after I offered them proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
approx 10-12 years ago applied for govt modified home loan accepted stat at 2 to 3 percent interest to maximum 4.5 percent.had no problems till when XXXX XXXX sold loan to shell point mtg servicing in XX/XX/XXXX never notified me till XX/XX/XXXX ot letter saying my mortgage went up from XXXX last 5 years maximum amount to XXXX letter also said i was delinquent on my insurance for condo, my insurance auto payed monthly not late at all XXXX XXXX, condo association insurance paid thru monthly dues so haven't been behind there either in XXXX after calling over month get recording will call back in order received never called back in XXXX got supervisor to call said everything reversed verified insurance and could verify every year/ XXXX im still getting statements saying i owe XXXX and tell me my loan will never go back down to XXXX on loan govt okayed, say i still have to pay XXXX or so to repay escrow that i didn't need already insured and furnished all documents o 40 percent  higher insurance they used my escrow on at 30 n i need to pay a this at time company XXXX was cut XXXX dollars a years covid problems, i did nothing wrong was all paid up long before shell point, because shell point didn't get insurance info from XXXX XXXX i have to be punished by paying for there mistake and there refusal to work with me or anyone to fix problem i worked for XXXX  over 40 years XXXX XXXX XXXX XXXX XXXX and cant solve problem in 3 months i cant go to Texas through away documents instead of keeping for file is same oner they had me resend and got hol., d but never reversed all charges like insurance and escrow to solve and even if i did admitted throw awaw condos first document keep saying even today i need to swend proof a, .lt technicion   trained over XXXX people, yes shell nbackoint

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Inquiries I did not authorize. Please delete. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Auto Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX This account is not mines, don't know how this was opened. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$960.00} This account balance is wrong. Both accounts have been paid on time and not late. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$210.00} XXXX  XXXX Last reported XX/XX/XXXX {$200.00} This account below is not mines. I never had this account. 

XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Our country is currently under a National Emergency. The State of GA is under a state of emergency. XXXX County ( where I reside ) is currently under a shelter in place and state of emergency. My job has been affected by the coronavirus. I have not been working for two weeks. I yet have to hear from unemployment. This company is the worst ever. They will not work with you in financial hardship like right with COVID-19. All they want to do is give you a 2 week payment  extension. So many other companies are deffering customer payments for 60 days or pushing their payment to the back of the loan and they refuse to help people out. They recommend getting a loan in order to make payment to them or stop paying other bills so you can continue to make payment to us. GET A LOAN TO PAY MY LOAN?!?! Crooks. Bridgecrest should be ashamed of themselves. Half the country is unemployed not by choice, other lenders are stepping up but these clowns are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
Carrington Mortgage hold my mortgage and has put force place flood insurance on my property which has increased my payments by XXXX a month. They are using XXXX which is a 3rd party to administer this policy. I have been sending documents and calling since XX/XX/XXXX. I was always getting a different answer with every person that I talked with. I have also submitted a request for a LOMA directly from FEMA website, the process is schedule to be complete XX/XX/2020. I also submitted an email from XXXX County Assessor with XXXX XXXX and maps directly from FEMA, stating that my property is not in a flood area. My loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: IL

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 given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}

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 2020-04-01 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: IL

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 given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} COLLECTIONS XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}

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 2020-04-01 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: NE

Complaint narrative:
I tried to place a security freeze on my account online. On their freeze site, Equifax states that " We can't complete your request at this time. Please call the Customer Care team XXXX ''. 

However, when calling I am routed through the automated identity verification, left on hold for ten minutes, then hung up on. This has occurred three times today. XX/XX/2020. 

I am concerned that someone may have access to my information and I am unable to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
In XX/XX/2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
We closed our mortgage with Mid America Mortgage , Inc. ( Loan # XXXX ) on XX/XX/20 as we sold to another buyer. We had an escrow balance due for refund of {$3000.00} and still have not received as of XX/XX/20. Per CFPB rule 1024.34, b ( 1 ), the servicer SHALL return to the borrower any amounts remaining in the escrow account within 20 business days ( exlcuding Saturdays/Sundays/holidays ). Based on my pay-off date, 20 business days would be XX/XX/20. As of XX/XX/20 ( today ), it is the 45th business day and we still have not received the refund. I have called ( XXXX ) XXXX ( Mid America Mortgage Customer Service ) about 8 times to check on the status of my refund. I was initially told that a check is normally sent for escrow refunds, but there was a problem with the check servicing company. As a result, they said the refund would be sent via bank draft and at that time took my checking account information. I have spoken to a supervisor multiple times, emails have been sent back and forth between customer service and the escrow department, and nothing has been resolved. I am looking to resolve this matter as I know that I am not the only person that is having this issue as a customer service representative blatantly expressed that I was not the only customer experiencing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I had contacted American Adjustment Bureau several times to no avail. I then call XXXX  and they call American Adjustment stating the bill was paid as established through the contract between XXXX , XXXX and XXXX Hospital. They have received documentation from both XXXX Hospital and XXXX showing the bill was paid in accordance within XXXX guidelines. I received a phone call admitting they were wrong but still have not removed the delinquent account from my credit report I think there should be an investigation on their conduct. They could tell early on this was a mistake by XXXX Hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: FL

Complaint narrative:
I have submitted several disputes over the years with Equifax, XXXX, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TN

Complaint narrative:
accounts was open in my name without my knowlegde

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: INVESTORS BANK
State: NY

Complaint narrative:
My bank charged me fees for not having a balance of {$1000.00} I asked if they can waive it as a courtesy and they refused

Company response to consumer: Closed with explanation