vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing received my loan payment check in XXXX, 2020 but never applied it to my loan. At first they told me that they did apply the payment to my loan stating that it was applied to " principal only '' but more recently they are now telling me that they never applied my payment to my loan at all. The company is now charging me late payment fees when the company received my payment in advance back in XXXX, 2020.

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 2020-05-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-05-28 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am the victim of an online sale scam ( total amount of {$440.00} ; item never existed and was thus not delivered ) which was filed with the XXXX of XXXX, VA XXXX Police Department ( Case # XXXX ). This case is being actively investigated with the department and has been confirmed as a fraud case. I filed a transaction dispute with Bank of America, who made no effort to follow up with me and has since closed my dispute with no further resolution.

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 2020-05-28 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: CBC Companies, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I sent a loan payment to Specialized Loan Servicing and instead of applying my payment to my loan the company ignored my payment and did not apply the payment to my loan. I then tried contacting the company to get this matter corrected. I spoke to a customer service representative for SLS - XXXX XXXX - who told me on XX/XX/2020 that she had corrected the problem. She said she would send me a " confirming Email ''. Instead of receiving an Email from her documenting the " corrected problem '' XXXX sent me another third party borrower 's private documents and information. Come to find out, XXXX never corrected my problem. The loan payment I sent to SLS in XXXX, 2020 has still not been credited to my loan.

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 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I am submitting this complaint against Fair Collections And Out, at XXXX XXXX XXXX SUITE XXXX XXXX, XXXX  XXXX for violation of the FDCPA and the Virginia Statute of Limitations to collect a debt. XXXX Collections And Out claims to have acquired the servicing rights for a debt that was transferred from XXXX THE INFINITY on XX/XX/2018. Prior to XXXX THE XXXX transferring that debt to Fair Collections And Out, XXXX XXXX XXXX had declared the loan to be in default. The alleged loan is past the statute of limitations to collect a debt in XXXX  and Fair Collections And Out continues to send me harassing letters on a debt that has a due date of XXXX  SPS claims to be the servicer of a loan in my name when : It has not participated in any servicing activity, can not produce any contract of the servicing terms between XXXX THE INFINITY and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.

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 2020-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have attempted to resolve the issue of having fraudulent information appear on my credit report for a Bank of America credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru XXXX  on XX/XX/XXXX after contacting Bank of America. The account has recently been closed by Bank of America with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I cant link my pnc account to XXXX. Because pnc Is blocking it. Not cool

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoint they have been billing me an additional XXXX Every month since 2015 for insurance on a home equity account and I have my own home owners insurance. They first claimed we had bankruptcy which we never did now they changed it to home owners insurance. They owe us back pay since 2015. Our loan has been increasing and it took me all this time to find out why. I had my insurance representative on a three way call and then they denied that we were being charged for insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have already brought this matter to your attention and I expect a response from the Bank of America by XX/XX/XXXX. One of the problems was that I could get the bank to freeze the XXXX XXXX account, because the branch of Bank of America has an invalid fax # and there was no way to reach anyone at that branch, as it would take at least 90 minutes to get through their phone line. Due to the b ank 's gross negligence, that bank is effective a partner in crime. There are at least a dozen law enforcement and regulatory agencies investigating this and major issue seems to be which ones have jurisdiction and the fact that once a subpoena is issued to see the paper trail in this account, it will be obvious to everyone that the scammers have been doing this since at least XX/XX/XXXX. Moreover, at least one of the scammers returning to this sort of scam as soon as the Department of Justice released him from 30 months in a XXXX XXXX. Had the Bank of America provided even basic cooperation in XXXX, this could have been taken care and perhaps the other victims would not have to go one-by-one to get this fixed and the money returned. There is a 4 year statute of limitations on fraud and I am anxious to take care of this long before the statute tolls. 

It would help if the CFPD would provide an email address, not the no reply variety, so that I would have to open up a new claim, when an update would do.

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 2020-05-28 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: IL

Complaint narrative:
I have made several attempts to request deletion of inaccurate information as well as request verification of debt with no response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a notification about a XXXX transaction for {$800.00} and another transaction of {$200.00} on my account which I did not authorize. I have never used the app for anything more than {$50.00}, I do not know the receiver neither did I authorize this transaction. 

I called Capital One immediately after receiving this transaction notification in which they filed a dispute and opened a investigation. A hour or so later they called me back stating the claim was denied and they are choosing to end their relationship with me. I tried to understand why, however I received vague replies with no remorse to what this could cause for me. 

I work for a huge Oil and Gas Co., I am a XXXX graduate student, I would never commit such a thing, and my bank did not back me up, instead they pointed a finger and left me feeling undervalued and un worthy of their financial protection which they promised to give to all customers. I spoke to several managers who also did not give me back a response only want to end the conversation. I am shocked at Capital One treating their customers in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I have attempted to resolve the issue of having fraudulent information appear on my credit report for a XXXX  XXXX XXXX credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru Experian on XX/XX/XXXX after contacting XXXX  XXXX XXXX. The account has recently been closed by XXXX  XXXX XXXX with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.

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 2020-05-28 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: DISCOVER BANK
State: TX

Complaint narrative:
My credit card was used without my knowledge or permission and multiple charges were made on my card that I did not authorize. I reached out to the company and was advised that due to fraud I would not be responsible for charges but recently checking my credit I saw the charges on my card and no one is assisting with my issue. My credit card information, id, and phone were stolen and charges were occurring on my cards. I did not immediately notice this because I was not able to check my account due to my information being stored on my phone and I was getting ready to leave for a work trip. On the trip I noticed 2 of my credit cards missing but I did just assume they were home and did not know they were being used. 
XX/XX/XXXX XXXX XXXX  XXXX  {$150.00} XX/XX/XXXX XXXX  XXXX   XXXX  {$180.00} XX/XX/XXXX XXXX  XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX  {$130.00} XX/XX/XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX  XXXX  {$21.00} XX/XX/XXXX XXXX SC {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to request validation of debt via FCRA regulations, with no response from the bureaus.

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 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have been contacting the California Business Bureau and received a reply that shows they are requesting x2 an amount of a debt collection that was taken out of my record due to it being a duplicate. I wrote a complaint about how they have not been returning my emails or calls and in their response they said they had been contacting me and I haven't been responding. This is UNTRUE and DECEITFUL for this agency and they are trying to collect a debt that isn't the amount from my records. I have spoken with the hospital involved from where my debt originated from, and they replied with the number and address of a DIFFERENT debt collection agency XXXX XXXX XXXX XXXX XXXX than this one and also with a different amount requested. I would like clarity and transparency in what I need to pay off and to what company I should pay it to to get it off my credit report. Neither companies have tried reaching out to me which I believe it to be because of this COVID-19 pandemic occurring but that does not give them a right to straight up lie about them trying to reach me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
I never get to speak with anyone up to now ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Integrated Asset Recovery LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MNE Services, Inc
State: NC

Complaint narrative:
I offered to pay in installments but they refused they had to have it all at once.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-28 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I never get to speak with anyone up to now ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.

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