vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 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: GA

Complaint narrative:
XXXX  did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.

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 2019-04-30 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: MI

Complaint narrative:
The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX  XXXX XXXX {$440.00} XXXX {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX  XXXX {$200.00} XXXX XXXX {$960.00}

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 non-monetary relief
Consumer complaint received 2019-04-30 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 ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF 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 2019-04-30 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 ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one inaccurate bankruptcy chapter XXXX is reporting under my equifax credit reporting agency, this is an 100 % inaccurate information reporting under my name, i have submitted many disputes but no answer from them, this is very much disturbing. 
i have submitted my police report to them, last time o called and disputed they said it was verified in one day, i just would like to know how is this possible to verify an inaccuracy in one day. i have requested the method of verification several times, but they have not been helpful at all. they dont even disputed correctly and they play me around with they very bad customer service. 
please I am a very simple consumer and would like a justice in this case. i need your help in order for equifax to remove this inaccurate public records from their reporting thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX - I received notification that my credit score had plummeted over 100 points. After investigating through XXXX, I discovered my Capital One credit card was 3 months in delinquency. This was shocking as I had not used the card, and I had received no notifications/statements/bills - via email, phone call, or paper-bill. I called Capital One immediately and the customer service representative apologized, and informed me that the delinquent charge was a membership fee. She said she would waive the fee, and then told me she had closed the account ( without asking me, or blaming me for the decision ). She apologized again for the inconvenience and said she would notify all three credit bureaus of the error. 

Since this conversation, I have frequently checked my XXXX credit monitoring account. The Capital One card, which I had had since XXXX, is definitely reported as " closed by the creditor '', but the fee remains, and it continues to affect my credit score, which has since dropped even lower. I was charged an extra security fee by my gas company due to this issue, and XXXX XXXX XXXX has also dropped my credit limit because of Capital One. 

It will take me a very long time to restore my credit score - which was in the mid-700 's until 3 months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: MI

Complaint narrative:
The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX   {$180.00} XXXX/XXXX  {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}

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 2019-04-30 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: MI

Complaint narrative:
The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} STATE OF MI XXXX XXXX {$440.00} XXXX   {$180.00} XXXX {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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:
The following accounts are fraudulent XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. My wife and I are XXXX veteran and undergoing refinancing of our house to pay off creditors and student loans. We were with XXXX XXXX company but they were $ XXXX above Amerisave 's quotation, Amerisave mortgage company that contacted us stated they c an beat XXXX 's quotation. I talked to XXXX XXXX and he stated that " I needed to show some skin to show that I was serious with the loan and that was on XX/XX/2019 and on the XX/XX/XXXX th Amerisave deducted {$500.00} out of my XXXX XXXX checking account. Days went by and I was getting impatient of non responsive reply from XXXX regarding my refinancing and I had left several voicemail and had talked to his office mates and left messages to contact me. I also informed them that if they're not completing the transaction to refi ... to give back my {$500.00} back. I asked XXXX XXXX ( my XXXX mortgage financier ) if he knows which agency should I contact to informed them of Amerisave illegal act and unprofessionalism. 
Attached below is a copy of my mission bank statement regarding the {$500.00}.

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 monetary relief
Consumer complaint received 2019-04-30 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:
The following accounts are fraudulent 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 2019-04-30 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:
The following accounts are fraudulent 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 non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
My complaint is against Select Portfolio Servicing , Inc. the Servicers of my loan Select Portfolio Servicing became the servicer the beginning of XXXX prior to that XXXX XXXX had the account. I received a letter from XXXX XXXX indicating that they were no longer the servicers but SPS was and that any arrangement or agreement that XXXX XXXX had prior to the change of Servicer that agreement would be honored by Select Portfolio Servicing. The letter sent to me from XXXX in XX/XX/XXXX states that. I continued to work very hard to make sure that XXXX XXXX had all the documents they needed to approve a short pay-off since that agreement would be honored. 

Originally XXXX XXXX agreed to XXXX and that was the current offer on the table. However, as I started working with SPS they were reluctant to allow me to move forward with the XXXX short pay even though that was the agreement with the prior servicer. 
SPS came back later and agreed to a XXXX Short Pay I agreed and moved forward to get the banks offer and closing date. I had to work very hard to remove erroneous property tax charges and other charges placed on my account to hinder me from selling my home outright. 
We were about to close with the Bank and pay SPS as agreed but out of no wheres SPS pulled the agreement and stop the closing. I made a request from SPS to get updated settlement letter from SPS. For the closing but they refused and then backed completely out. They ordered an auction of my home without cause when I have the bank loan to pay the loan off. 
SPS is fraudulent and deceptive practices should be stop. Please review the information I have submitted to show that their activity is very suspect and borderline criminal. 
Please review the fabricated promissory note which has a notary they employ and the signature of the POA that does not exist., please see the attached. I have shown SPS and the investor several times that the original lender was out of business before they finance my loan. The Servicer as well as the attorney knows that the company had no license to do business in this state but continued to do business illegally. 

The attorney General in this state has turned a blind eye to the situation even though hundreds of people have gotten loans and lost their home with the enormous fraud perpetuated by the authorities and those involved in this scam. The notice of error was sent out, but they ignored the RESPA violations. 
There were issues with the closing, but they ignored that the information I provided which show that my loan was never assigned. They have no legal right to foreclose or auction my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
Kimball , Tirey & St. John LLP Is attempting to collect a debt that was already settled with the apartment complex I lived at in XX/XX/2017, XXXX XXXX. XXXX XXXX, apartments agreed to keep my security deposit in lure of the debt owed to them. There is no debt owed to either company. This information incomplete, inaccurate, and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The institution is Navy Federal Credit Union the time is XXXX of 2008. An amount of {$1300.00} dollars not authorized by me was taken out of my Navy federal credit union account to pay for my lodging without my consent, It was stolen and they know it. I did email the last CEO last year and even though hes a retired admiral he said too bad so he can eat a bag of XXXX. I heard they have a new CEO maybe she can fix this. I know it is old but it is stolen money and I have put in requests talked to people on the phone and just get the run around will someone please help me. I am passionate about this because my mom takes XXXX meds and doesnt have alot of money so I help her out as much as possible. The account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Employees from transworld systems called on the morning of XX/XX/2019, I asked them repeatedly to state their business which they refused to do and attempted to get me to identify myself. I told the employee to never call my phone again and I continue to recieve calls from transworld systems from the following phone numbers : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: NV

Complaint narrative:
After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for Equifax. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need Equifax to clear this last fraud item from my report please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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 ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: INVESTORS BANK
State: NV

Complaint narrative:
I applied for an " eAccess Money Market account '' from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX via an internet online application on XXXX. 


Upon completing the application online, I got an online message saying they are verifying all of my information. 
I was given a Reference Code of XXXX. 

I called several times and was told I'd be receiving an email and was told by other reps that I would be receiving a phone call. 

I never received an email or a phone call. 

On XX/XX/XXXX I called them again and was told by supervisor XXXX that my application was declined and I would be receiving an email notifying me of this and a letter giving the reasons. 

I never received an email or a phone call or an explanation. 

The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted. 

I emailed and called numerous times asking for this but never received anything except a claim that I was sent an email statement " The email rejection letter was sent to you on XX/XX/XXXX at XXXX. '' That was never received by me and I believe this is a false statement, as I have no problem receiving emails, this is the only entity claiming I was sent an email I never received, and I received every other email from Investors Bank except for this alleged one. 

I asked for it to be resent and was told that would not be possible, again making it clear that there never was such an email. 

I asked for the agency/agencies consulted for my information and was simply sent a list of every credit agency, but not the specific ones consulted. 

This is clearly a breach of the CFPB rules. I demand that Investors Bank provide me with the information as required by CFPB regulations. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for XXXX. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need XXXX to clear this last fraud item from my report please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When Experian was hacked and the media advised freezing all three credit reporting agencies to protect the dark web from selling U.S. Citizen 's personal information, we had Experian, XXXX and XXXX all frozen, and received pin numbers to unlock all 3 when we had purchases we needed to make. That day came today. XXXX executed our request with absolutely no problem. 
However, Experian and XXXX apparently utilizes off -shore customer service personnel who are, ( I will be nice ) completely frustrating, ineffectual and infuriating XXXX. 
They did not accept the pin they issued us. They did not accept the confirmation numbers that were given at the time of last credit freeze transaction. The representatives demanded Mortgage entity information, several other vendors that we pay by credit card, and then demanded copies be faxed with full SSN # s. 
What did we get a pin number for? Can you please help with this issue? These two entities were NEVER easy to do business with, and now it is intolerable/impossible. 
Please Help! 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