vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has  prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
The dates shown on my credit report are incorrect. This is several years old and the info on my credit report shows that its recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses  FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Innovis
State: NV

Complaint narrative:
ftc violaitons on the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I contacted Caliber Home Loans on several different dates as noted herein : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There was an error in the calculation of my final loan balance with Caliber Home Loans. Although I called them several times, they did not relate to what I was stating as the balance on this loan. Caliber Home Loans actually owed me money as the mortgage loan was closed when I sold this property on XX/XX/XXXX. Caliber Home Loans charged me additional interest on this loan instead of pro-rating the balance due back to me for the month of XX/XX/XXXX. 

I made the XXXX mortgage payment to Caliber Home Loans on XX/XX/XXXX as evidenced in the attachments in the amount of {$1200.00}, check # XXXX. This was the total payment due for the month of XX/XX/XXXX which included principle, interest and property taxes. On the attached 'Payoff Quote '' from Caliber Home Loans, they continued to charge me interest on this loan even though I had paid the XXXX mortgage payment, and no interest was due on this loan until XX/XX/XXXX. I no longer owned this property as of XX/XX/XXXX. 

Caliber Home Loans erroneously charged me additional interest in closing this loan on XX/XX/XXXX, in the amount of {$310.00} even though I had paid the interest, principal and property tax for the property in full for the month of XXXX. Therefore, Caliber Home Loans owes me the additional interest they charged me on this loan in the close process XXXX sale of the property ). They also owe me a prorated amount of money for the remaining days in XX/XX/XXXX for which I no longer owned the property, but had paid the XX/XX/XXXX mortgage payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The dates shown on my credit report are incorrect. This is several years old and the info on my credit report shows that its recent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up and opened a citibank checking account late XX/XX/2020 to take advantage of the XXXX thank you point bonus for signing up after you spend {$750.00} and make 2 bill payments within 60 days. I did complete those terms and citi bank has not credited my account. They have not gotten back to me after I complained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
After the Equifax security breach in XXXX I placed a security freeze on my account. I was given a number code and was asked to note it down as it was supposed to allow me to lift the freeze. 

I am now trying to lift the freeze for a mortgage application. I tried to do this online but was forwarded to a page asking to call by phone. I contacted equifax on XX/XX/XXXX by phone and was told that the number I was given was not used any more because of a system change. Instead I was asked several questions. Unfortunately these questions concerned dates of previous non-mail interaction with equifax, such as the last date I had requested a credit report. Never was I informed during these events that these dates would serve as information necessary to modify my security freeze and that I should thus note it down as critical information. Because of my failure to provide the requested information, I was denied to lift my freeze and asked to send in a copy of my driver license and social security card by mail. I did this on XX/XX/XXXX. Since then I have called weekly to ask about the processing of said request and was asked to wait and call again after '5 more business days '. This has lasted until now. 

Now the number I am supposed to call to inquire says that it is only available from XXXX EST because of the COVID-19 situation and site closures. However I called several times during this time and was always led back to the same tape regardless of selected options without being able to reach an associate.

Equifax has now denied me to lift my security freeze for one and a half months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
ftc violaitons on the reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
ftc violaitons on the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I started the process to remove the PMI in XX/XX/XXXX. Even I explained them that I want to know how much I need to pay to drops my loan to 78 %, they send me the same letter over and over again for 3 months. Because I never received an answer, in XX/XX/XXXX, I paid to the principal {$9800.00} to drop my LTV to 78 %. I calculated the LTV using the original value of the house and the loan I bought the house for {$250000.00} and my loan now is {$190000.00}. Now they send me a letter : " Please be advised, your PMI will automatically terminate when the loan-to-value ( LTV ) ratio reaches 78 % of the original value of the residence, which is in XX/XX/XXXX. The automatic termination date is based solely on the original amortization of the loan. '' This mean that it is automatic termination in this date does not matter if I paid the 78 % before of this day. They don't care 78 % they just follow the date XX/XX/XXXX. 

In the same letter : " For a borrower who has initiated cancellation, the Homeowners Protection Act ( HPA ) provides that, if the borrower meets certain  requirements, then PMI shall be cancelled on the date when the principal balance reaches 80 % of the original value. Currently the original LTV is at 82.1 %. '' How did they calculate the LTV?. They may be used another original value of the house. I'm in this process for 4 months, and I don't know what to do? they don't communicate with me. 

XXXX XXXX XXXX ID : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-04-01 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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
INFORMATION BEING REPORTED TO CREDIT BUREAUS ARE INCORRECT. 
THESE ARE NOT MY ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
INFORMATION BEING REPORTED TO CREDIT BUREAUS ARE INCORRECT. 
THESE ARE NOT MY ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
The dates reported are completely incorrect by years. This debt was from XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, JP Morgan Chase had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX  and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, Capital One has also used my information without knowledge. No one has access to my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently changed phone numbers and updated my online banking with Citibank accordingly. It is common practice for online banking users to update their personal information only when necessary, usually just before they conduct a transaction such as a withdrawal or a transfer. 

I opened a new bank account at XXXX XXXX yesterday and attempted to transfer funds from Citibank to XXXX using online banking, but all attempts to do so were blocked, and the only reason given by the Citibank representative is that the phone number is not " verifiable '' because it has not been in the system long enough. 

To give some context, however, it should be noted that Citibank has been sending automated verification codes to this very same phone number since the new number was entered, however Citibank 's Fraud department claims that this number is " not valid for verification ''. Citibank has provided NO timeframe whatsoever within which the number will become " valid '' in their systems. 

Citibank has provided NO acceptable solutions to my issues so far, other than repeating the same excuses and providing no acceptable reason as to why a phone number their own systems have been using for verification is suddenly no longer valid for identity verification. They have asked me to visit a branch despite my informing them that the nearest branch over XXXX miles away or provide an alternative number, which contradicts their argument that they can't trust my new cell number because it hasn't been in the system long enough. 

Citibank has effectively accused me of fraud on my own bank account for the simple reason that they have arbitrarily and capriciously determined that a change in phone number is somehow deemed " suspicious ''. Given that I have banked with Citibank for the past 13 years, this is totally unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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