vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX  XXXX {$1800.00}

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was charged a late payment on my credit card. Due to covid19, I was unable to pay the bill on time. I tried to call the company, and they always have over an hour wait time! I have always paid on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX, I sold a XXXX XXXX XXXX. He sent me a payment of {$1100.00} via the app CashApp. The transfer showed successful. After I walked back into my home and opened my phone to transfer the funds to my bank account, CashApp decided to cancel the transaction. Leaving the buyer with my money and laptop, which he happily decided to keep and run away with. I've confirmed with Cashapp that they're the ones who cancelled it. Their reason was to protect me, which they did the exact opposite of. I reached out to them and they recommend me solving this issue " outside of Cashapp ''. I filed a police report and am still fighting with cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This Debt was paid by auto insurance and Gap insurance 4years ago.

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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
In XX/XX/2019 my mortgage company, Mr. Cooper, did an escrow review and incorrectly doubled my taxes. My tax bill from XXXX County, MD is yearly and Mr. Cooper is trying to claim it is biannual. They told me that I had to prove they were wrong, which I did. I had to contact the county tax department for all of the correct information. They even sent it themselves to Mr. Cooper, but Mr. Cooper refuses to respond to me. They just send an email saying it was forwarded to escrow and escrow does nothing but continue to overcharge me month after month. They now have taken {$3000.00} from me and refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am missing a credit card from XXXX  XXXX on my equifax report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with XXXX  not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: MI

Complaint narrative:
There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.

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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Dear Sirs/Madams, Recently I was notified by my Credit Reporting Agency ( XXXX via XXXX XXXX ) that a collection amount of {$20.00} has been added as a derogatory remark on my credit report resulting in 12 point drop. The collection company/agency is SUBURBAN CREDIT CORPORATION. 

I can prove that the medical bill in question has been paid by my Insurance companies currently XXXX and XXXX XXXX and I do not owe any money, even the doctor 's office in question ( XXXX XXXX XXXX XXXX ) has confirmed that. 

Last but not the least, the patient in question, by beloved daughter XXXX XXXX XXXX has passed away as well, and this agency is trying to defraud me for a sum of {$20.00} that I do not owe. 

I hereby request a resolution of this issue and removal of the negative/derogatory collection mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
CALIFORNIA BUSINESS BUREAU ia attempting to collect a debt that I do not owe. The name on the bill is NOT ME I have repeatedly spoken to them concerning this fraudulent debt. CBB has also violated HIPPA laws in their feeble attempt to verify/validate a debt that is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
XXXX, TRANSUNION AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2020-05-05 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: FL

Complaint narrative:
XXXX XXXX AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2020-05-05 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:
EQUIFAX, XXXX  AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CORELOGIC INC
State: MI

Complaint narrative:
There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.

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 2020-05-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have an account that was closed on XX/XX/XXXX approximately to a 0 balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX XXXX XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with Equifax time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Skopos Financial, LLC
State: FL

Complaint narrative:
This Debt was paid by auto insurance and Gap insurance 4years ago.

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 2020-05-05 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This Debt was paid by auto insurance and Gap insurance 4years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2020-05-05 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: FL

Complaint narrative:
XXXX, XXXX  AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a purchase on XX/XX/2018 zero percent interest and supposedly in the fine print, it said if it wasn't paid for within the year then we would get hit with a $ 900+ finance charge. Right now during the world pandemic is when they hit us with that $ 900+ charge. It came from left field because I wasn't aware it was out of the zero percent finance window. Never got an alert, an email, a notice. Just a bill with the extra $ 900+ and when I called they don't care nor want to help. I am a small business owner and this pandemic already took a hit on us and to top things off they want to XXXX us with a finance charge and no show no mercy.

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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
THIS COMPANY. SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I added my name to my wife 's first citizens Bank checking account. This account had some line of credit associated with the account. I did not sign up for this, nor was I notified that there was an associated balance. I received no bill or notice ( nor that I signed up for a line of credit ). I found out about a balance when I received a credit alert that my FICO score dropped 100 points. 

Since I did not sign up for this line of credit, I asked first citizens to remove it from my credit report. They have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
I don't recognize this account, i have never applied for this, i'm not responsible for this debt, with this company i have no contracts or agreements with my signature.

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am missing a credit card from XXXX XXXX on my XXXX  report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with EXPERIAN not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.

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 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/2020 my line of credit acct was closed and I got no notice from the bank I contacted them on several occasions from that date until present and response was they would contact me which they didnt was charged late fees and finance charges and I have been paying what I can due to covid-19 and they still charging me I have talked to several representatives and no luck with them they say this and that but they still closed my acct after I paid payments of {$86.00}, and {$210.00} within the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have contacted Wells Fargo repeatedly about their unscrupulous practices and what appears to be fraudulent servicing of my loan. They have misapplied or not applied numerous payments throughout my loan in order to drive my loan repeatedly into foreclosure. Last year, I reported the same activity. I make payments. They hold onto those payments and don't apply them to the loan ; then they claim I didn't make the payment, which they were holding ; then filed a foreclosure action against me. The foreclosure, which was padded, was paid in full, based on their false claims. Then right after the foreclosure was paid, they started the same activity. 

In XXXX, I received a bill stating I owed {$840.00} odd dollars to pay off the loan in full. Rather than make two payments, I paid the entire amount that their website, phone and statement said was owed. They took the money, but didn't apply it. The next month, although I paid the entire amount the bill said was due in XXXX for the entire loan, they added another {$420.00} dollars and said I owed that. When I called and inquired, they claimed that they would look into.I paid that amount. However, they again claimed I owed more money, although I repeatedly paid the amount they claimed needed to completely pay off the prinicipal. Next time I called them, their phone rep admitted that they were holding the money and didn't apply it. They couldn't say it wasn't enough money because they were holding twice the amount of money that I sent them then they bill claimed I owed. They asked if I wanted them to apply the money. Why would I send money to pay off the mortgage in full if I didn't want them to apply it to the account. This same conversation has taken place each month for three months. 

They have repeatedly reported this bill late, although they are literally holding my money, more than what was owed, and falsely reporting it late. They are now threateing foreclosure on a bill that I paid off in full all principal due in XX/XX/2019. They are still holding my unapplied funds and keep generating new bills after I pay each one off. This company is crooked and taking advantage of consumers. I am miffed as to why the government continues to allow them to get away with this fraudulent activity. I have recorded every conversation with their reps and they admit that they have been holding my money and not applying it. Then they keep adding late fees despite me not paying late. But why would I keep paying the same bill off over and over again? 

Ask for the records of their website statement for the past six months and for the phone recordings that told me how much was due. Please determine why after I kept sending that amount of money stated in the bill, they didn't apply it, but generated a new bill.

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 2020-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A direct deposit in the amount of {$310.00} from XXXX was mistakenly deposited into the account of a third person. 

The money is not the property of this person. Chase was instructed to send the direct deposit back to XXXX so it could be sent to the me, the person whos money it is ( my property ), and the rep did would not help. 

This is not a dispute, this is Chase bank disgorging funds that are not theirs or their account owners property! Chase has converted my property to pay the debt of this third partys account! 

They have converted money owed to me to pay the debt of an account owner who is not even a party to the insurance policy! I am not nor have I ever been a signer on the account XXXX mistakenly sent money to. XXXX told me to contact Chase as they cant retrieve a direct deposit, I did so, and chase refused.

Company response to consumer: Closed with explanation