vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection accounts do not belong to me. Two alleged medical collection accounts with CREDIT COLLECTION SVCS partial account # : XXXX and XXXX. I am attaching a partial credit report and NJ Certified Debtor Search certifying that there is not any debt on my behind. I definitely do not recognize these accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
Someone is using my name to get medical help in state of texas. Letters from collection agency from XXXX XXXX XXXX XXXX XXXX, XXXX attorney at law. There is also another from XXXX -ran emergency physicians. These debts were not me cause I live in California n not in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. navient and the us dept of education has XXXX out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for 100percent XXXX and XXXX  XXXX veterans like myself

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: Fairway Independent Mortgage Corporation
State: IN

Complaint narrative:
A mortgage company named XXXX reported a 30 day late payment on XX/XX/2019. I do not know who XXXX is and I have never had a mortgage with them. In this same time frame my mortgage was with Fairway Independent Mortgage Corp. The house I had with Fairway was sold and I closed on XX/XX/XXXX, XXXX about XX/XX/2019 they sent me a late notice on my mortgage that I closed on XX/XX/2019. I contacted their credit department and told them that I closed on that house on XX/XX/2019. They said that they had not received the check yet. The closing company said that it was sent the next day after closing. After several phone calls it turned out that Fairway lost the check. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ph:XXXX put a stop on the old check and wrote a new one. XXXX XXXX. told me that I wouldn't get a negative remark on my credit report because this was not my fault. I just discovered that it was reported to the big three and XXXX XXXX. This entry caused me to be denied a VA mortgage by XXXX XXXX. I don't know if XXXX has anything to do with Fairway or if the dates are just a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have disputed this debt with XXXX multiple times and asked them to properly investigate this debt from portfolio recovery for {$3400.00} that is on my credit report. I sent a written letter to portfolio recovery requesting proof of this debt that it was opened by me as it was not. Portfolio recovery failed to do so, and XXXX has failed to investigate this debt properly under FCRA section 611. It is illegal for XXXX to continue reporting a false debt on my report. Portfolio recovery has never shown the copy of the government ID that was used to open this debt. If portfolio recovery has no proof of who opened this debt, how is XXXX saying it is valid? They are just asking portfolio if it is valid and accepting a yes as validation. I will be forced to take legal action with XXXX if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and XXXX should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. XXXX is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask XXXX to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX I received a text message from my mother : " Keep getting phone calls from Victoria Secret for you. '' I do not share a phone number or address with my mother and I have not in over 10 years. She told me that on several occasions they attempted to discuss my account balance with her and she told them to stop calling her. 

On XX/XX/XXXX the credit card company, Comenity Bank charged my personal checking account with a charge reporting that I authorized the charge over the phone. I have never spoken with the company over the phone. I did not authorize any charges. I messaged them over their online messaging system about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NY

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

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 2021-05-04 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: GA

Complaint narrative:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

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 2021-05-04 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: WI

Complaint narrative:
I have tried countless times to get this take care of. I have sent in FTC ID theft aff, police report everything. Please do something. I just need to stuff removed as it is fraud. I am at my end. XXXX XXXX ( has 2 cards? ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Chapter XXXX bankruptcy, all of these inquiries. I am tired of yelling, sending letters, hiring lawyers, etc. These credit bureaus have cost me so much money and emotional distress that I am not sure what to do besides sue them again but at a class action level. This is sad how they treat people. I have had my information stolen from 2 breaches and a ex roommate who was XXXX  last year and now that I am trying to actual learn and use credit I can't. REMOVE THIS STUFF FROM MY CREDIT. there is a police report, FTC report, Evidence on public record that at the time some of these were open I was in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since 2019 Shellpoint Mortgage Servicing has been placing force insurance. Every month I have been getting letters saying that I owe over {$2000.00}. My insurance company has been calling and sending them documents over and over again, showing that I have insurance and they always say they will take care of it, but they never do. We fax and fax and fax documents and once they said that have it, then they say we need the master police insurance, which both my insurance policy is with the same insurance company. Then they will say that they have the master policy, but need the other insurance, after they said they have it. I can not sleep at night. I continue to make my payments. Now they say they fix the force place insurance, but I owe money, because the payments I have been making they been holding and say I owe. its been awful. My insurance company is fed up, but will not give up. I am going through XXXX. I make my mtg payments before time and its not right. I ask them, how am I behind and I am making my payments on time and they can not answer. They say they will put a tickle in, it has been 3 weeks now. They harassment me almost everyday, but can not answer my question, where is my mtg payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: GA

Complaint narrative:
last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. XXXX  and the us dept of education has XXXX  out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for XXXX XXXX and totally XXXX veterans like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX, my girlfriend and I traveled to XXXX from Texas and stayed at the XXXX XXXX in XXXX XXXX XXXX. Checking in, my girlfriend booked the room with her card and was charged a {$600.00} deposit that was supposed to be refunded after checkout. As we were checking out, they told us one of meals needed to be paid for so I told them to put the meal on my card. They charged me an extra {$800.00} for the meal that I didnt see until we got home the next day. We have called the hotel multiple times who said the extra {$800.00} was a deposit in case there were any room damages, but they didnt find any damage and the charges will be returned to us. Neither of us got our deposits back after trying for over a month despite them telling us repeatedly the funds will be returned. I never signed anything for this {$800.00} deposit in the first place and was never told about it when asked to pay for the meal. I never signed anything to pay this extra deposit and after looking at reviews of this hotel online many people have written about similar made up charges while staying at this hotel. 
I filed a claim with my bank ( chase ) who told me I need to send them a written statement online through their website. I wrote them a statement and sent it over to them as they asked. After about a week they closed my claim and said they never received the documents despite me sending it to them exactly how they asked. I tried this two more times both times with the same result of them closing my claim and saying they never received my document. 
Finally I spoke to another agent after having my claim closed 3 times who told me their messaging system on their website does not work and they wont receive my documents that way. Up until this point, the agents have told me to send my documents through the website. She tells me I need to go to chase bank and send it through fax in the bank. 
Today, they finally received my letter and they tell me they cant fix my claim because too much time has passed since the hotel made this charge on my card. I tried to explain that the only reason so much time has passed was because they were giving me wrong information on how to send my statement but they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SETTLEMENT - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: U.S. BANCORP
State: MN

Complaint narrative:
I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through US Bank Home Mortgage. 

In XX/XX/XXXX US Bank Home Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.

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