vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: AR

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 ae several inquiries on my name. I have not given anyone 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

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 2020-09-21 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:
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 ae several inquiries on my name. I have not given anyone 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

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 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is reporting me for something that is not accurate.

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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: NJ

Complaint narrative:
On XX/XX/XXXX my Wife and I settled on a purchase money loan from AimLoan.com for  {$250000.00} against a purchase price of {$270000.00}. We were correctly obligated to pay PMI and did so with each and every payment. 

By agreement dated XX/XX/XXXX, AimLoan accepted us into a Loan Forbearance program established pursuant to the Federal CARES Act. Following a sale of of other property, were able to make a prepayment to AIM on XX/XX/XXXX in the amount of {$240000.00}, thereby reducing our loan balance to approximately {$13000.00}. 

We subsequently voluntarily terminated our forbearance agreement, and by letter dated XX/XX/XXXX, AIM confirmed that we had terminated our forbearance. We resumed our monthly payments via ACH. 

In early XXXX, XXXX, upon review of a statement from AIM, I realized that we were still being charged PMI despite the fact that our mortgage balance had been reduced to approximately {$13000.00} upon a property valued ( as of less than 1 year prior ) at {$270000.00}. I contacted AIM to ask for a review and an appropriate refund of the PMI payments, and have now received a letter from AIM refusing my request. 

The stated reason given by AIM is You had payments 30 or more days delinquent in the past 12 months. We were never delinquent in any payment. The only interruption in our timely payment history was the 2 month period of forbearance and, to my understanding, treating a borrower 's participation in such a program as any violation of the terms of a mortgage loan is prohibited by the Federal CARES Act. 

I believe that by construing payments subject to the forbearance agreement as delinquent is unfair, unjustified, and contrary to Federal Law. Refusing to abate charges for PMI following reduction in my loan amount to roughly 5 % of the property value is unfair, unjustified, and contrary to Federal Law. I ask the CFPB to pursue my complaint and, if I am correct in my legal analysis, to ensure that AIM reimburses me for prior unjustified PMI payments and halts all further PMI charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX  and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my small company is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of my XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices. 
I HAVE NOT CLOSED, DO NOT LEAVE MY OFFICE DO NOT LEAVE MY staff that moves in commissions. PAY MY OBLIGATIONS AS IT SHOULD BE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: PA

Complaint narrative:
After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX   XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XXXX of XXXX thia year Money was the loaded onto my U.S. Bank reliacard from my PUA unemployment through the state of Pennsylvania. I went to use my card and it was declined at the  ATM. I tried using it and the register and it was declined there as well. After calling customer affairs on the back of the card i was told to send a fax of my state iD card and priof of my current address. And that my card would be turned back on once that info was reviewed for fraud and found to be true. After sending in the required documents. I am now told it is still in review and can now instead of taking 5 days to view it can tske up to 15 business days?! Thats ridiculous. the review time keeps changing and i can not access the money that was on ky card. Over 2 grand worth now. I have bills and my rent is due. And they will not wait to verify a coupke documents that shouldn't take long at all. That any of the 5 people i have called and talked to couldn't verify themselves.

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 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
It has came to my attention you guys are trying to collect a debt ; which was a result of Identity Theft. Attached is a dispute letter ; and my ID Theft Report. 

I ask that you immediately stop contacting me, remove the account, and stop all collection activities as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
The company is claiming that i have a charter communication debt that was opened in XXXX XXXX the debt doesn't belong to me. I want proof of signature for the contract with my legal name XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I contacted the collection agency through certified mail XXXX to let them know that the XXXX account that theyre saying belongs to me is not mine and to show me proof why theyre saying it belonged to me. They replied by sending me a bill, so I sent another letter through certified mail in XXXX stating that wasnt proof and to remove that account from my credit report immediately and they never responded..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of 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 2020-09-21 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: NY

Complaint narrative:
My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus  previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports

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 2020-09-21 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: CA

Complaint narrative:
A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with Equifax. 
A fraud alert was placed without my authorization or request on XXXX  as well. 

I have NEVER requested this and demand it be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Western Union money order XXXX {$1000.00} purchased XX/XX/XXXX was stolen and altered. Western Union has refused to refund. Signed notorized purchaser affidavit submitted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: VA

Complaint narrative:
1 account with XXXX ( account for {$8500.00} XXXX is reporting a late payment in XX/XX/XXXX on my Equifax report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX XXXX. This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and XXXX keeps certifying to Equifax it is correct but it is not and it is IMPOSSIBLE if you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other XXXX accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on XXXX as well. 

I have NEVER requested this and demand it be removed at once.

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 2020-09-21 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: CA

Complaint narrative:
A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on Experian as well. 

I have NEVER requested this and demand it be removed at once.

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 2020-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I'm a XXXX veteran who applied for the Dept. of Educations ' XXXX and XXXX XXXX XXXX XXXX XXXX. I was approved for this discharge of my student loans on XX/XX/2020, with all of the loans set to discharge on XX/XX/2020. It is now XX/XX/XXXX. My loans were serviced through Great Lakes Educational Loan Services Inc, a subsidiary of Nelnet, a contractor with the Dept. of Education. 

I tried to get in contact with Great Lakes, trying to find a reason as to why my loans were not yet discharged, as they are still on all three credit bureau reports as deferred and current. They were quick to give me the runaround and claim that I needed to talk to Nelnet instead. When contacting Nelnet, I was never able to email a human being, just a standard go to our website response. When on Nelnets ' XXXX page, the discharge date was XX/XX/XXXX, but it was barebones, and only stated that I was approved for the discharge. I was back at square one, with no answers, and the debt affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
Hello I just recently got a change in my credit report and when I checked it was too Harvard Collections. When I called to find out more about the debt they said it's about a XXXX account. Which I explained I've never had a XXXX  account under my name/social at any time since I lived in XXXX. After that they gave me the information and I spoke to a XXXX  rep who now told me I have to basically go file a complaint through FTC and then file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Management Services
State: MO

Complaint narrative:
Received a notice today from Affiliated Management Services XXXX XXXX About a debt from XXXX XXXX XXXX XXXX XXXX. No one has seen any XXXX  in years. AMS directed us to contact XXXX XXXX. 

When speaking to XXXX XXXX they said that they sent a bill 42 times. The original debt, from 2016. This is absurd since we both had insurance, and XXXX  account, and never received any notice. When asked for the original bill or copy, we were told no since the attempt had been made 42 times allegedly. There would be no copy sent and since it was sent to collection it was out of their hands. 

Our concern is if this is a valid bill, we can't verify. We presume it was for a XXXX during that year but since it is so long ago it's hard to verify much less correct something that may have well been a billing issue ( sadly, insurance has since changed as well ). 

So now we are stuck with a debt in collections that we can not confirm is even ours, confirm that this is outside of the co-pay much less the deductible for that year. Worse, the XXXX money that could have been used is gone and current monies can not be used against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America employee Manager XXXX and XXXX told me the took the XXXX vacation charges off my credit card Because I told them I did not makes these charges The manager from Bank of America XXXX and XXXX Started playing games When I look at my credit report I saw a bill on my Credit report from Bank of America for XXXX I was told by XXXX and XXXX that it was removed Because on XX/XX/2019 I gave a XXXX XXXX register newspaper employee my Bank of America credit at the  kiosk at XXXX department store in the XXXX mall the XXXX XXXX XXXX employee ask for my email I gave him a XXXX email And I ordered the XXXX XXXX XXXX special The employee gave me A {$20.00} birthday gift card He told me that was what the manager at the XXXX XXXX XXXX told him to give to people who sign-up for the newspaper However a few weeks later I got the wrong newspaper it was the XXXX XXXX I call the XXXX XXXX XXXX customer service department and the employee told me I ordered the XXXX XXXX  and I used a gmail email Inform the customer service that their employee fraudulent charge the XXXX XXXX  on my credit card And he also back dated my credit card bill to XXXX XXXX I return the {$20.00} birthday gift card to XXXX XXXX XXXX manager by certified letter I canceled all my credit cards with Bank of America

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I had a negative balance on my Citi credit card due to events/concerts being canceled because of Covid-19. I had that credit on there for months. 

Without my knowledge, Citi then issued a check on XX/XX/XXXX for {$2200.00}. I didn't get a letter or anything regarding this. I then logged into my account on XX/XX/2020, noticed that my balance was now {$0.00}, and called to see what was going on. 

They said a check was issued on XXXX, and it should take 7 -  14 days to get mailed to me. I said it's already been that long. They said to wait a couple days. I waited and it still didn't come so I called back on XX/XX/XXXX, and they said they'll put a stop payment and then asked for my bank details and said they'll do an ACH transfer directly to my bank account and it should be there within 3-5 days. 

Here we are now, XX/XX/XXXX, and I still have nothing in my bank account. I repeatedly called them and no one can answer where my money has gone. 

I need this money into my bank account ASAP.

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 2020-09-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX ; XXXX XXXX, XXXX, AR XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date Reported : XXXX # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date : XX/XX/XXXX This account was settled in 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