vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
Crown Asset Management , LLC That debt is not mine. The account only shows an account number XXXX or original vendor. Misrepresented is all over. The other misrepresentation in this letter is that they are charging {$870.00} for principal. {$170.00} for interest and fees for {$240.00} in fees. 
Federal law prohibits the collector to charge interest & fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.

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 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by comenity bank About a debt of a relative of mine. I advised the person it was a distant cousin and I have nothing to do with them and asked them not to contact me about this. In my line of business I answer every call since it I have several clients and customers that contact me. A week passed and I was contacted again however this time they were more aggressive and said for me to get the message to her or give me her number. I asked for a supervisor and asked to be removed again I also asked how did they link me we have totally different addresses and she is my 3rd cousin. They told me they legally can investigate to see how we are related Im guessing social media and they then will contact me. Not one time have I ever been late with this company or have had issues with billing. They have now sold this account to a third party collection agency and attached my phone number as the point of contact and they are now harassing me telling me to make this easy and just give them a way to contact my distance cousin. I have tried to reason with every company however they continue to harass me and say it is legal for them to continue to contact me regarding someone elses debt! 
I have opened a complaint several times threw supervisors and have now opened a XXXX complaint as well as this one to make the harassing calls stop I have also closed and paid all accounts with the company and advised to remove me from all contact lists as I with to never be contacted by them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: GA

Complaint narrative:
ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please cross-reference with complaint XXXX-XXXX. They wrongly closed out my complaint. I bought up the rate on my mortgage, meaning that while Region 's paid most of my closing costs, I have to pay a mortgage rate of 4.3875 rather than a par rate of somewhere around 3.875, meaning that I will pay thousands of dollars more over the course of my loan. Region 's significantly changed the fees disclosed to me in the Loan Estimate presented to me. Region 's sent my complaint to their Compliance department but their Compliance department only reviewed it with technical regulations in mind and that because Region 's paid the closing costs, they stated that they were fine in changing / increasing the fees I was disclosed. In their eyes, I therefore lost all my consumer protections because I bought up the rate. If / when Region 's sells this loan off, they will make thousands of dollars off of the increased rate for someone with an XXXX credit score. I feel this is extremely unfair, deceptive and abusive. I passed this up to the very highest levels of management, speaking to XXXX XXXX, Regional Mortgage Manager. He touted his resume, told me that this store had a 100 % customer satisfaction rate, asked what I wanted ( to which I responded I just wanted to pay what I was originally disclosed ), told me he would research my issue further and get back to me ; it was two weeks and multiple calls from me to the call center before I spoke to XXXX XXXX again - at which time he had four additional people on the phone and told me he was bringing closure to this issue and that Regions would not do anything further. I feel that due to the flippant nature in which my complaint was handled, the lack of proper governance and controls, the lack of an effective compliance management system and the willful negligence and unethical behavior exhibited by Region 's, the CFPB should conduct a further investigation as to the manner in which other customers who bought up their rate were treated and to see if the amounts they were originally disclosed also increased as mine did. This could bring about a rather large enforcement action against Region 's. Additionally, the co-borrower on this loan is an XXXX XXXX Servicemember / XXXX and is about to leave for a deployment overseas.

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 2019-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
Every month without fail I get a reminder to pay my bill. I have to explain every time that I am XXXX have no income except my husband 's and his paydays are on Fridays. Everyday I get an email, phone call and text about when will I pay my bill even before it's late. I tell them I will send as soon as I can then the threats start. I am pressured into payments that I can not afford cause they say I have to get it in asap. I recently told them my husband had changed jobs and we would be a little late then the rudeness and pressure began. I advised the lady to watch her tone with me but she was extremely rude and harsh. I have the emails and texts. Not to mention they have been contacting my husband along with me. Enough is enough. I have advised this lady to not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello ConsumerFinance Team, I have recently Logged into AMerican express and saw that i am pre- approved for Amex XXXX XXXX with XXXX bonus points if i spend {$2000.00} in 3 months as part of Promotion. To Confirm whether i am approved or not i called in American Express Customer Services and spoke to the operator and she confirmed that i am qualified. After i applied i am approved and received the card and to activate i have called customer service again and got shocked by them mentioning that i only get XXXX not XXXX if i spend $ XXXX and i opened a investigation. After the investigation is Finished they never called me and never notified me the status of investigation. Finally i called Amex on XX/XX/2019 and shocked again because they said i am not qualified to get the atleast XXXX bonus points. I Reached to multiple people and they did nothing i have all the email and I feel Amex has all the recordings i would like to open a complaint againt Amex on misleading info and even when i reach multiple times they did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of  the fcra these are unauthorized and should be removed immediately

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 2019-07-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately

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 2019-07-04 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:
THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.

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 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank Closed my XXXX XXXX Citi XXXX credit card. I would like to get my credit card back. There is no written statement that said if i missed some payments the card will be closed. I have been making regular payments toward this account. I would like to have this credit card back with the same terms and conditions. I dont want to reapply for another account if i have a card that was already given to me by Citi Bank. My friends have this credit card and i would like to be able to have the same advantages i had using this card.

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 2019-07-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am having trouble getting proof that I paid off a credit card that went into collections, and it is prohibiting me from getting a home loan, as the letter that I have from the collections agency is apparently not good enough. 

I paid the account off through the collection agency in XX/XX/2019 ( please see the attached ), and when I went to have my home loan people run my credit through XXXX ( their credit vendor ) and do a Rapid Rescore to have the balance reflect at a Bureau level, and they informed me that the documentation needed to come from TARGET themselves. 

I called TARGET and they informed me the account was no longer held with them and provided me a number to call to get further information ; the phone number was for the Law Office ( that I had originally spoken to in order to pay it off ). So then I called TD BANK and they informed me that they no longer had the account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't know the date that that the account was opened, because neither the bank nor XXXX XXXX will give me any information regarding the account, including but not limited to, account number or date account was opened. What they DID tell me, is that the account was opened WITOHUT a photo identification or signature and that over {$1000.00} is owed. I have spoken to the corporate office, XXXX XXXX, and I have even gone to the branch where the account was opened, on many occasions, but to no avail, no resolution was given to me as to how to resolve this fraudulently opened account, besides paying it.I feel that I was discriminated against because of my color, gender AND age.

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 2019-07-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
there is a item on my credit report that i can't identify and have tried to dispute the item but is having a hard time doing so with equifax, nor can i get the original contract or documents to prove accuracy of this item it's on my credit report from XXXX XXXX XXXX {$1300.00} i'm in need of information so that i can prove ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I keep receiving mails from this debt collection agency ( Credence ) claiming that I have an outstanding balance with XXXX XXXX XXXX XXXX. I have never have had any account with them ever. they try to blackmail me for something that I do not know about. they have previously reported this to XXXX  and XXXX  before which I have provided all necessary documentations and therefore got it removed from my credit report. however they keep sending me more letters trying to send them a money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Occured in XXXX of 2017. XXXX  continued to charge me for an account from XXXX XXXX  that I had settled. I have sent copies of conversations I had with their Reps to their Debt Department that acknowledged that I had paid the early termination fees. Within 2 months the collections came off my report only to have it now come back on. I did that last year and it was off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: FL

Complaint narrative:
XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted/disputed Tranunion about incorrect Personal Information on  my credit report with them. They have done NOTHING to correct my report. 
They listed phone numbers that were never mine ( several of them ) and I told them one of the addresses listed was never a Valid or Correct address. 
I have only had one phone number the last 10 ( Ten ) years ( the XXXX number ). I am a Widow with NO OTHER TELEPHONE NUMBERS. 
They will not correct the information. 
ALSO, I have PAID/SETTLED with an Acct ( XXXX XXXX ) but they wont remove it. 
I am so very frustrated!

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 2019-07-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-07-04 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: TN

Complaint narrative:
My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Dear Sir/Madam, I have a mortgage with XXXX XXXX ( lending affiliate of XXXX XXXX XXXX , XXXX ) subserviced by Loancare , LLC. They have recently increased my monthly payment as they informed me that I did not submit proof for Home insurance. But this account is not a impound account and I am managing my home insurance outside this account by myself. I have proof that I paid my home insurance and I faxed them all the documents. But till date they have not changed the monthly payment amount and I am paying extra. I had multiple call with XXXX   but they are forwarding the call to various department but none of them providing any resolution and they are informing me that the case is being investigated. I have been contacting them from XX/XX/2019 to fix my monthly payment. But they have not fixed yet. Please advise. 

Previous monthly payment : {$2200.00} Modified monthly payment : {$2300.00}

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