vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 suspicious 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 XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX, XXXXUnder Dispute XXXX  XXXXUnder Dispute XXXX  XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations

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 2020-07-09 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT BUT I AM CERTAIN THAT THEY DO NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE SEE THE ATTACHED REPORT FROM XXXX  WHICH CORRECTLY DOES NOT LIST THE XXXX XXXX XXXX ACCOUNT THAT IS NOT MINE. I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE NOTE THAT *ALL* NECESSARY ID VERIFICATION DOCUMENTS ARE ATTACHED HERE, AS THEY WERE THE FIRST TIME THIS COMPLAINT WAS FILED. MY SOCIAL SECURITY NUMBER IS XXXX. THIS WILL BE MY LAST ATTEMPT AT RESOLVING THIS MATTER VIA THE CFPB, AFTER WHICH I PLAN TO LITIGATE AGGRESSIVELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
We desperately need to have our credit freeze lifted in order for a bank to give us a loan. 

We have tried NUMEROUS times to contact you. On XX/XX/XXXX we had gone on line to have the freeze lifted until XX/XX/XXXX. Thinking all was well, we found out it was never done. 

We tried again on XX/XX/XXXX. We could not get through via phone. An automated system came in. There was no way of connecting with a human. We wrote via email and pressed submit, only to have the same page come up. We tried to submit over and over again, but to no avail. 

PLEASE help us as we need to lift this freeze. It is imperative that this is done. 

I would rather not put my PIN number on this email for obvious reasons. I can be contacted at XXXX, XXXX, XXXX Thank you in advance for helping us with this extremely frustrating issue!! 

XXXX XXXX. 

Sent from my 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 2020-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was recently informed by the Nebraska child support office that I was issued a relicard and that over XXXX XXXX dollars was deposited to the card. I have attempted serveral times to contact US bank without resolve. They recently sent me a card not in my name also sent me 7 years of blank statements. I have been an victim of fraud by US Bank including recent identity theft for the second time with a new identity afforded me for my protection. US bank will not allow me copies of bank statements fraudulently opened in my name but where my funds where deposited and will not accept a report of never recieving a 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 2020-07-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a request to place a security freeze on my account on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I submitted a request to place a security freeze on my account on 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 2020-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
My XXXX XXXX XXXX account had a total of 4 promotional purchases and 1 revolving purchase as follows : 1. {$13.00} revolving, due to the adjustment in the application of a previous payment which I was not made aware of at the time. 
2. {$4400.00} promotional balance due XX/XX/XXXX 3. {$390.00} promotional balance due XX/XX/XXXX 4. {$720.00} promotional balance due XX/XX/XXXX 5. {$17.00} promotional balance due XX/XX/XXXX The due date on my account was XX/XX/2020. On XX/XX/XXXX I paid the promotional balance of {$4400.00} in full to avoid accrued interest, this payment was applied correctly. I then called to ask about the minimum amount due on the remaining promotion balances ( this information is not listed on the monthly statement ) so I could make an additional payment to cover those, as well as the full revolving balance. I was told those amounts were {$13.00} ( # 3 ), {$26.00} ( # 4 ), and {$5.00} ( # 5 ), for a total of {$44.00}. I made this inquiry because I was charged a {$2.00} minimum finance charge the prior month because of how a previous payment was applied. 

On XX/XX/XXXX I made an additional payment of {$65.00} to cover the {$44.00} minimum due as well as the revolving balance of {$13.00} with a few dollars to spare to insure that I would have no balance remaining that would be subject to finance charges. I spoke with the credit card company twice on XX/XX/XXXX when I made the payment requesting assurances that it would be applied to the balances as I detailed above. I was told that could not be verified until my next statement was generated on XX/XX/XXXX and if the payment was not applied correctly that I could call and it would be adjusted. 

On the XX/XX/XXXX statement only {$5.00} was applied to the revolving balance resulting in another " minimum finance charge '' of {$2.00} which equates to an APR of 180 %. I was willing to let it go once but not 2 months in a row, As soon as I received the statement I called yet again on XX/XX/XXXX and spoke to 3 escalating levels of " supervisor ''. All were happy to adjust my payment as I had originally intended and requested but adamantly refused to reverse the finance charge, even though it would not have been generated if the payment was applied as I requested on XX/XX/XXXX. 

I realize this is only {$2.00} but if standard operating procedure has no mechanism for consumers to direct how extra payments will be applied until AFTER finance charges are accrued that needs to be remedied. I'm sure this is not an isolated incident and other unsuspecting consumers are being charged as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a previous dispute and as I was reviewing my account I noticed another charge that I did not make. I started the dispute process. It now has been 14 days since the claim has been reviewed and I have yet to receive even a provisional credit. I have never nor will I ever have XXXX  so that charge is not mine. I even advised them of my police report that was filed.

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 2020-07-09 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express is reporting a debt I do not owe. When I checked my credit i saw this debt and paid it immediately. I never got a phone call, collection letter or notice. I have paid this debt a long time ago and it still updating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I have tried unsuccessfully to get a loan modification and a loan forebearance. I have also asked for forebearance under the CARES act, and an extension. 

I have not had any luck with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
My mortgage was acquired by Freedom in the first quarter of XXXX. At the time of acquisition I was current on my payments. Although I was in bankruptcy at the time, my home was not included. Not only did I pay my mortgage on time, I always overpaid. 
I received my first statement from Freedom dated XX/XX/XXXX. Not only was the payment amount incorrect, I was being charged XXXX as a past due amount. my statement also showed the money I had overpaid ( XXXX ) was being held as unapplied funds. 
My next statement was incorrect as well, I called but do not recall exactly what the rep said but I waited til the following month to see if the situation had been corrected and my payments properly applied. 
My statement dated ( XX/XX/XXXX ) reflected a payment amount of XXXX, with a positive balance in the category of past due amount of XXXX. My over payment ( unapplied ) was now XXXX. 
I paid the amount due of XXXX. I scheduled my next payment of XXXX to pay the amount due on XX/XX/XXXX. I expected the XXXX to be applied to my account however it disappeared. There was now a o balance. 
My over payments which should have been held until they equaled a full payment, were partly used, instead of XXXX I now had a balance of XXXX but my new payment due was otherwise correct at XXXX. 
This is just an introduction to the accounting issues I have had to deal with. 
I have spoken to numerous representatives who assured me the account would be looked at and errors corrected. 
My auto pay amount for XX/XX/XXXX was incorrect and this resulted in an underpayment on my part. 
My payment due XX/XX/XXXX including a XXXX fee classified as bankruptcy expenses was XXXX my auto pay was XXXX. 
I called Freedom and spoke to XXXX who told me to pay XXXX to bring the account current. I called back on the XXXX and was told to pay an additional XXXX and pay my regular payment amount next month ( XX/XX/XXXX ). My statement dated XX/XX/XXXX has erroneous fees in the amount of XXXX and XXXX overdue. I have no idea where these amounts came from. 
My XX/XX/XXXX statement reflected a payment due of XXXX. My auto pay paid XXXX. 
At this point my account should have been correct. I have made all my payments from this date forward before the XXXX of the month ( late ) with the exception being XXXX, XXXX, XXXX and XXXX of XXXX. Freedom granted me forbearance for these due to my loss of employment due to the Covid-19 crisis. On XX/XX/XXXX I paid XXXX for the month of XXXX. 
I owe XXXX for the months of XXXX XXXX and XXXX but Freedom says I owe XXXX. 
My account needs to be properly and fairly audited preferably by an appropriate outside agency. 
I have supporting documentation in the form of bank statements and mortgage statements. 

Additionally Freedom has neglected to report timely payments to the credit bureaus.

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 2020-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX inaccurate information reported 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

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 suspicious 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, NA XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 suspicious 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 XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE SEE THE ATTACHED REPORT FROM XXXX   WHICH CORRECTLY DOES NOT LIST THE XXXX XXXX XXXX ACCOUNT THAT IS NOT MINE. I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE NOTE THAT *ALL* NECESSARY ID VERIFICATION DOCUMENTS ARE ATTACHED HERE, AS THEY WERE THE FIRST TIME THIS COMPLAINT WAS FILED. MY SOCIAL SECURITY NUMBER IS XXXX. THIS WILL BE MY LAST ATTEMPT AT RESOLVING THIS MATTER VIA THE CFPB, AFTER WHICH I PLAN TO LITIGATE AGGRESSIVELY.

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 2020-07-09 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
These are the two parties besides myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Evergreen professional recoveries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX My wife and I are looking into refinancingourhome becauseof the low rates and I pulled ourcredit just to check on it before applying. I had a collection notice on my credit that I was not aware of. So I sent in a request to see what the collection was for ( Evergreen is the collection company ). I got back medical invoices with descriptions of medical work that had my name on it ( first time I had seen these invoices ). I never gave Evergreen permission to see let alone receive copies of medical invoices/records. If I knew it was medical I would have asked for XXXX to send theinvoices to me directly. I have the letter sent to me ( by Evergreen ) with the invoices that contain my medical info, let me know if you would like to see them. 
I had gone into XXXX in 2018 and it was an ongoing thing ( I was not getting better so I stopped going ), and as I was making the next appointment ( I remember 3 appointments ) I would ask about cost, the front deskpersonwould just say " if you owe anything it will be mailed to you ''. Well I never got a bill, either due to XXXX  or USPS. Never got a call, nothing untilit was on my credit.If I did I would have paid or at the very least set up a payment plan. 
I sent in a complainttoHealth and Human Services Office for Civil Rights Complaint, they said it was not a violation of HIPPA ( is that accurate? ). I also sent in complaints toJoint Commission ( have not heard back ) andWashington State Office of Insurance Commissioner. OIC are working on an audit to see if what XXXX/Evergreen say I owe is what I owe, they have not been helpful, I have had to ask them to reopen the case a few times. 
I don't want this on my credit report, it is the only knock on my credit and it is a big one. 
Thank you for your help and time, 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 2020-07-09 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
company will not let me pay the {$500.00} which should be the amount of this debt. 
I tried multiple times to pay the debt but LVNN is charging XXXX which is more than owed.

Company response to consumer: Closed with explanation