vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, DSNB/MACY 'S add a hard inquiry on my credit report per 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 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime has frozen my account due to a return of {$2200.00} from XXXX  .. they claimed there were no transactions in relation to the returns yet the original payments all came off this account and were returned in the same increments. 
Original payments - XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$1200.00} Upon return of these transactions ( in the same order that they were taken out ) my account was frozen! I have to prove, without access to my account, that these charges are valid even though they VALIDLY sit right in my account transactions history! This is NOT OK. I am without a dime and my XXXX young children will be missing out on their holiday due to the incompetence of Chime/XXXX  review of transactions on accounts. I have sent every email that is necessary, had a supervisor verify the original charges, yet am still sitting here having to wait for a 2 to 3 day process of review. I should not have to go through a legal process of review when the initiation of said process was never legally valid to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
MY NAME IS NOT CORRECT ON EXPERIAN SEE LETTER OF EXPLANATION ATTACHED

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 2020-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
XXXX XXXX a Veteran an and myself bought home at XXXX XXXX XXXX XXXX XXXX TN XXXX WE REQUESTED THE FULL360 forbearance in XXXX XXXX the house has been put on auction four times in violation of cares act. TMS ALSO sent bill for all arrearages. THEY REFUSE TO GIVE FORBEARANCE FOR 360 period. 

House on saleXXXX XXXX XXXX XXXXXXXX AND XXXX LIES ABOUT RIGHTS  AMD LAW WE DEMAND FULL 360z

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I recently filed a complaint on XXXX XXXX XXXX and a third party company by the name of XXXX XXXX solutions. XXXX XXXX XXXX says that I owe money for a month I did not have service with them. I canceled my service with XXXX XXXX XXXX XX/XX/2019 and returned my equipment due to the service not properly working. A Technician came out twice and was unable to fix the problem. After canceling my service in XX/XX/2019, XXXX XXXX XXXX attempted to go in my account in XX/XX/2019 without my authorization. XXXX XXXX XXXX reported to XXXX XXXX solutions that I owed XXXX. After my compliant XXXX asset solution removed the negative information for my credit report. XXXX XXXX XXXX have sold my information to another third party company by the name of Franklin Collection services , INC. stating I now owe XXXX. This company have been calling and harassing me after being told numerous of times I am not liable for the debt owed. I would like for this company to stop harassing me and threatening to report negative and inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 was recently turned " Down '' for a car loan because of some unknown " $ XXXX DEBT '' that was NOT mine placed onto my " TransUnion '' credit report. 
I have been trying to get my " FREE '' annual " TransUnion '' credit report with no luck.

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 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp username $ XXXX scammed me of XXXX dollars all I know is her bank which is XXXX  XXXX XXXX and her last 4 of her debit card which is XXXX and her XX/XX/XXXXXXXX. I also lost XXXX to a fake cashapp representative who hacked my phone and stole XXXX from my XXXX XXXX  XXXX account through the app XX/XX/XXXX. All I know is this person 's phone number and email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.

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 2020-11-25 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.

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 2020-11-25 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} 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 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We asked for a loan modification in XX/XX/XXXX, and were denied by Shellpoint. They sent us a Comparative Market Analysis showing a value of XXXX. This is inaccurate as we are in Bankruptcy and the Court accepted an actual Real Estate Appraisal showing a value of XXXX as of XXXX, due to mold and other issues. Shellpoint also increased our payment ( we had a previous loan mod ) without informing us. Additionally, Shellpoint shows a deficit of XXXX, which theyve never explained nor provided breakdown of, though weve asked on numerous occasions. My wife and I are retired and live on a fixed income. Also, I was diagnosed with a life threatening illness this XXXX. We cant remodel our home and the reason the value is what it is ( XXXX ) is because of a major flood in XXXX, and subsequent floods that were never addressed nor repaired. The unit has not been renovated unlike many if not most of the complex we live in. Weve made payments of XXXX as we were supposed to and not told otherwise by Shellpoint. XXXX has almost XXXX complaints against Shellpoint and those are just the published ones

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
I graduated XXXX  XXXX on XX/XX/XXXX owing a little over {$2000.00}. I tried to work out a payment arrangement with the school, but they sent the debt to collections in XX/XX/XXXX. 
The collection company began calling me immediately upon receiving the debt. I was not working ( diagnosed ) and I told them I would pay when I could. 
They had a rep that called twice a month attempting to hold a conversation with me like we were friends. I told him to stop calling because it was inappropriate. 
Upon checking my credit report, I noticed they continue to renew the debt with new dates, as if they debt is new. I have called and sent them a letter letting them know they were misrepresenting the debt, but to no avail. They have a XX/XX/XXXX date on an XX/XX/XXXX debt. So every 2 years or so, they keep updating the debt so they can keep it in their portfolio and falsely report this information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: AZ

Complaint narrative:
there are various items that are not reporting correctly and some collections that are not mine please see XX/XX/XXXX doc attached that details every inaccurate entry.

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 2020-11-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
I had already submitted a claim. Here is my claim number : XXXX. I am adding additional information that was received after the claim was submitted. Franklin Collection Services issued me a deletion letter. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
there are several collections that don't belong to me and late payments that are not factual there is a XXXX doc attached that details each item in question that I tried verifying 2 months ago and called to follow up but the said they never received my disputes. I feel like I have been lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
On XX/XX/2020 I attempted to temporarily lift freezes on my credit with all three credit reporting bureaus so I can apply for a mortgage. XXXX  and XXXX  were super easy. Equifax is still XXXX  me to this day. I have been on the phone for hours attempting to unfreeze my credit. I am getting nowhere and just getting excuses from Equifax. Their automated verification system is complete garbage. It pulls spurious and irrelevant references. Their website is down. The people in the foreign phone banks are rude and condescending. It should not take an act of congress to temporarily unfreeze my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXXXXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: FL

Complaint narrative:
I contacted CFPB earlier about this issue with Trans Union. You gave me the complaint ID XXXX. TransUnion claimed they got some bankruptcy information from a court in XXXX, FL. I wrote this court and they stated they never gave this information to TransUnion. 
I will include the letter sent to me by TransUnion and also the letter from the court.

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 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX I was charged a overdraft twice for the same transaction ( 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 2020-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I was sending a payment through google pay they took the money of of my bank but it never got to the person I was sending it to. It says canceled on they end and processing on my end. Ive tried multiple times to contact them but Im unable to speak to someone on the phone do to COVID 19 and they disabled the chat so they just ran off with my money money to pay my rent at that.

Company response to consumer: Closed with explanation