vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 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:
Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX, DE. # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Also the inquiries on my Police Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 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: MD

Complaint narrative:
After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my Equifax report and {$4400.00} on my XXXX report for an account that I did not open. After filing several disputes and requesting an investigation with Exquifax and  XXXX to have the inaccuracies removed, I found that Exquifax and XXXX continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, Equifax and XXXX failed to compel said debtor ( s ) to  provide proof that the account was opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
my mortgage company just called me and said XXXX XXXX put a lien on my house on XX/XX/XXXX never knew about no correspondsents about any credit card payment or court it was filed on XX/XX/XXXX why did this take so long and then i applied for a XXXX  XXXX 4 months ago and got one i called XXXX  XXXX and was told by them they never put judgements or liens on peoples home now i have a lien and it will take longer for me to get a reverse mortgage because i was told of the so after 12 yrs i find out about no i should not have to pay XXXX for a card i never even used credit that high something has to done for people who are on XXXX  have to suffer for something i knew nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXXXX not mine ATTORNEY GEN XXXX inaccurate/never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 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:
This item was not proven and was supposed to be removed from my credit report per the letter that was sent. XXXX, XXXX XXXX XXXX XXXX sent a letter stati that the item will be removed within 30 days XX/XX/18 and the item was put back on my credit report. I will attach the letter below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: GA

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS OAG XXXX XXXX XXXX inaccurate/never late XXXX XXXX  XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-America Accounts Control Bureau, Inc.
State: IN

Complaint narrative:
When I first walked into XXXX XXXX  in XX/XX/2019, I told him I am XXXX and could not afford to run up a big bill. I also told him the insurance I had and showed him my card, which he copied. He assured me that my insurance would cover everything and that I should not worry. XXXX XXXX himself told me these things. My step-daughter was with me and she too saw him that day and witnessed the entire conversation. 

After our discussion he did his initial evaluation, then did an XXXX and several other procedures. These included a tens unit on my XXXX, heat and a compression device. 

At NO time did he tell me that these procedures were above and beyond the initial XXXX and that they would cost more money. I was unaware that he was intentionally running up a large bill that he could bill my insurance. 

When my insurance did not pay ( after he assured me it would ), he then came after me to pay a bill that I specifically told him I could not pay. I did not give permission for him to do all the extra procedures that he did. 

I have explained this in writing to his office and to his collection company. To date, I have received absolutely NO response from his office or the collection agency. 

I feel this is overtly fraud by his office. They KNEW I couldn't afford this yet continued to do procedures without my permission to run up the bill. I believe he did so because he thought he would bill the insurance. 

Additionally he put my step-daughter into a XXXX XXXX at his expense because he felt he could help her. She is XXXX XXXX. On our second visit, he became upset and told his son to " get her out of there NOW. '' His son obeyed and immediately got her out of the XXXX. On our way home, she got ill. This resulted in a visit to the emergency room for the XXXX. This is a condition in which they bring someone to normal pressure after being at a deep dive sea level pressure. It took her a week to recover from this incident. 

I believe that it directly relates this billing and collection because XXXX XXXX got angry that I was looking at his books in the hallway while waiting for the restroom. He became furious and made a loud scene about it. The people in the waiting room and other procedure rooms could all hear him yelling at me to " GET OUT. '' I told him I was not leaving without my daughter, which led to the removal from the XXXX 

This behavior was unprofessional and unprovoked. Again, I believe his anger at me is fueling this billing and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Executive Office of President ; I'm not sure where the disconnect is but I just got off the phone with 2 different representatives, one said that the check was mailed to me on XX/XX/XXXX ( allow 5-7 days to receive the check ) and then I asked to speak to be transferred to a supervisor representative here in USA. When XXXX ( EmployeeID XXXX ) got on the phone stated that there was no check cut out yet, and she was going to process it, and now it might take another 5-7 days to receive it. Look again, I called back on XX/XX/XXXX because I tried to used my credit card and it didn't go through to only find out that you guys closed it down. I'm sure the calls are recorded, where a representative told me that the account was closed and when I asked for reasons and how about the $ 70- {$80.00} that I had used, she clearly explained to me not to worry because you guys had my {$290.00} collateral therefore you guys would take the amount i used and cut a check for the remainder of around $ 220'ish. I had to call last week on XX/XX/XXXX, where the representatives again mentioned that the money should've be sent to me within 5-7 business days. It's now 2  months later, you guys charging me interest and late fees. I just asked XXXX again, to refund the fees back and remove this account for my credit due to error and miscommunication on your company 's part. She told me that the only thing she can do is request the check but she's not refunding the fees even if I was told not to worry about the purchase and it was up to me to pay what i've used. I trusted your company and your representative when I was initially told not to worry about the amount i spend that you guys will handle it that from the collateral and cut the remainder check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This spring after had obtained letter from lender I've ordered my free report from Equifax online. They requested additional information such as two forms of identification and in XXXX 2019 I sent them by mail a copy of pay stub with SNN and copy of utility bill with current address as was requested. Few months passed by since that but I still unable to obtain a copy of my report. They never fixed anything and keep denying my online and phone requests. It seems even more disturbing as long they already had cybersecurity incident and normally they are not supposed to ask customer to send any documents as long they already obtained them from lenders and other third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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:
Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Also the inquiries on my Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There were unauthorized charges on authorized users card that should not have went through in excess of the 20k spending. I contacted American Express while the charges were pending. A representative of American Express informed me the charges would not go through due to the spending limit. American Express allowed another 20k+ to go through. When I called back they kept stating a manager would call me back and a manager never did after numerous requests. Amex pushed my account into default and refused to review the account to reach the correct outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: MD

Complaint narrative:
On XX/XX/XXXX i lost my job in the process i begin to try to catch up with my mortgage payments i only had two months behind i was told to put in the paperwork to start a process with assistance for my mortgage it was approved on XX/XX/XXXX my first payment was XX/XX/XXXX i made that payment along with XXXX XXXX and XXXX and XXXX and XXXX payment i am now waiting for them to cash the other payment that i sent out on XX/XX/XXXX i had to cancel the payment with the bank and resend they didnt ' still take my payment i don't know what they are doing but i submitted paperwork on XX/XX/XXXX with everything that i submitted early this year and know one has reach out to me i have been calling they have been hanging up on me i don't know what to do i have XXXX in my retirement that i will be paying back to the back loan but i am in the rear more than that i am trying to keep my home i have a XXXX child with XXXX XXXX and i need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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:
Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report. Once I received the response the credit bureaus had already closed out my dispute. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX OPENED  : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX INCLUDING THE INQUIRIES ON MY POLICE REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Email to PHH, XXXX XX/XX/XXXX requesting payoff as of XXXX XX/XX/XXXX with a copy of Chapter XXXX  effective XXXX Mail to PHH XXXX XX/XX/XXXX personal check {$1000.00} requesting amount be applied to PRINCIPAL ONLY and payoff amount as of XXXX XX/XX/XXXX. Instead, PHH applied funds to monthly mortgage payment thru XX/XX/XXXX. 
Email from PHH # XXXX, XXXX XX/XX/XXXX, acknowledging receipt of email. 
Letter to PHH requesting Principal Payoff Balance XXXX XX/XX/XXXX with a certified check in the amount of {$1500.00} to be applied to PRINCIPAL ONLY, not to monthly mortgage payments. Documents received at PHH, XXXX, NJ by certified mail, XXXX XX/XX/XXXX, attached. PHH disregarded request for funds to be applied to PRINCIPAL ONLY and applied funds to monthly mortgage payment through XX/XX/XXXX. They also suspended payment of {$560.00}, XX/XX/XXXX, documents attached. 
Email to PHH requesting an adjusted payoff date of XXXX XX/XX/XXXX for principal payoff balance. I informed PHH that they were milking it customers by not providing the requested information. PHH is performing an inappropriate accounting practice. Email attached

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I called nationwide credit inc at XXXX XXXX XXXX XXXX at XXXX XXXX cst. informed them of my dispute in regards to a credit card balance that was owed to XXXX, informed them more than 20k is unauthorized charges. They refused to put in my complaint saying the submitted one back in 2014. I spoke with XXXX at extension XXXX, I asked him for the lowest settlement by company policy, he lied and told me about 27k when XXXX was possibly the lowest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXXXXXX XXXX XXXX never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief