vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: AZ

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all inquiries which I listed in identity Theft 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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case #  XXXX-XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX from Patient Accounts Bureau regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from Patient Accounts Bureau. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called Patient Accounts Bureau on  XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked Ms. XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American express magnet card say 15month APR & XXXX Credit when XXXX 1st 3 months. but i didn't receive any. i didn't verify for long time and one day start notice my balance not went down and downloaded statement then i noticed interest charge. i called so many to fix but they not accept and not agree ticket # XXXX. i never got many declaration or pop statement say no apr or not statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My hours have been cut due to the covid-19 making it difficult to pay my XXXX mortgage. I called Select Portfolio Servicing and was told that they automatically can put 3 months ( XXXX, XXXX & XXXX ) on the back end of loan. I inquired about not having the three months spread out over the top of the remaining months and I was told that would not be done. I asked if their were penalties and late fees for this and I was told there were none, that the payments are put on the back end of the mortgage. I called last Thursday or Friday, XX/XX/XXXX or XX/XX/XXXX & was told I will hear back in 3-4 days. Today, XX/XX/XXXX I looked online and saw my request was put in and a letter will be sent in 7-15 business days. I called customer service and spoke with a gentleman and was told that it could be up to 3 months before I receive their letter because they are so backed up. He also told me, " so you won't get a surprise '', that they could very well require me to pay the three back mortgage payments along with my XXXX payment. When I asked how I was expected to do that, I was told that " no one is telling you to do this '', it's not up to SPS. I have had 2 totally different conversations within 1 week. It is as if I were speaking with two totally different companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX {$550.00} XXXX   XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.

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 2020-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AZ

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Please remove all inquiries which I listed in identity Theft 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 2020-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
During the week of XX/XX/2020, I called the private student loan lender of MOHELA XXXX XXXX stating that I am unemployed and my XXXX  is going bankrupt due to the COVID-19 pandemic. I asked for an interest free deferment. I was only offered a 3 month forbearance. I told the representative that I am not interested in a compounding ( capitalizing ) on the principal term. She reassured me twice that it is non-capping. I agreed to this non-capping term. On XX/XX/2020, MOHELA XXXX XXXX wrote me and stated they approved me for a 3 month forbearance that is capitalizing and placed me into this. I was lied to on the phone and put into forbearance terms that will cost me thousands of dollars. This needs to be investigated. 
Also, the government needs to make private loans deferred during this time, as only federal loans are deferred for 6 months and all people with private loans are being forgotten about while we have no income. These private loan policies are predatory. There also needs to be legislation to update the bankruptcy law to eliminate student loans for people who are going bankrupt related to COVID-19. We need help. In a chapter XXXX bankruptcy, student loans are not discharged even in the midst of this natural disaster. In a chapter XXXX filing, they ignore your student loans and put them into forbearance for 5 years while other debts are paid and can you imagine how much someone's life is ruined after 5  years of interest being added to a principal loan balance that is over {$300000.00}? The system is broken and creating indentured servitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I have mailed dispute letter to XXXX  it is still reporting on XXXX. havent received a response back after the 30 day period the account doesnt belong to me.

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 2020-04-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I received a bill from HSBC Master card for charges incurred from XXXX XXXX XXXX, 2020. I found that I had been charged {$2300.00} for purchases made via XXXX ( see attachment ) from individuals in California. I live in Illinois. I called HSBC and disputed the charges. They sent me a letter dated XX/XX/2020 denying my claim ( see attachment ). I called again on XX/XX/XXXX, but could not get through to an operator. I called again on XX/XX/2020 and appealed the denial, requesting a new investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Consumer Portfolio continues to furnish data on credit file. Car appeared on credit file 2019. Contract was an obligation with myself and ex husband. When car was repossessed company failed to make contact with me when car loan was in jeopardy. Never received any documents regarding sale, disposition if gap coverage were calculated. Company failed to comply. In addition, full investigation regarding unfair sales practices during time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I charged a rental at XXXX XXXX and was not allowed to rent the vehicle. The date was approximately XX/XX/2020. XXXX had charged {$160.00} to my card. I disputed it with Citibank who initially credited the charge but reversed it after XXXX advised them of their no refund policy. I then turned my attention to XXXX who assured me on several occasions that they credited -or release the authorization as early as XXXX XXXX then again on XX/XX/XXXX. I have yet to receive any credit on my credit card while both Citibank and XXXX are pointing fingers at each other. After speaking to XXXX Customer service on XX/XX/XXXX and a supervisor by the name of XXXX at XXXX called left a message assuring me that a credit would be on my credit card within 3 to 5 business days. As of today XX/XX/2020, I have yet to receive the credit. The case number of this escalated matter at XXXX is XXXX. 
XXXX from XXXX advised in her message that XXXX can't cancel the policy nor issue any correspondence to the fact that they issued a credit, therefore, I have no other evidence other than the message left on my voicemail that a credit would be issued.

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 2020-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies.

I received " system not available '' massages from all 3 agencies ( Experian, XXXX and XXXX  ). Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.

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 non-monetary relief
Consumer complaint received 2020-04-03 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:
SEE ALL ATTACHED VIOLATIONS AND CASES PERTAINING TO MY CASE

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 2020-04-03 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: HI

Complaint narrative:
TXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
After reviewing credit report Bank America continues to furnish inaccurate data on credit report.

Account satisfied in full. Requested company to further investigate negative remarks on credit reports. With information placed on credit files, this continues to deplete score and credit worthiness.

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 2020-04-03 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXXXXXX {$550.00} XXXX  XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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