vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL 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 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage payment went from XXXX to XXXX as of XX/XX/2019. I applied for a loan modification and my mortgage company denied me and said the payment is affordable. which it is not. All I am asking is for them to extend my loan into a 30 year so my payment is affordable. 

I am going through a divorce, and just got into a car accident which is actually costing me additional money. I filed a compliant with CFPB and it was denied again. I need help on the mortgage and i feel like the only way to get it is to go into foreclosure and i do not want to lose my home. 

I have updated my expenses with more accurate information. Please review Grocerys XXXX utilities XXXX Car insurance XXXX  daycare XXXX gas for car XXXX home maintenance XXXX alarm XXXX cable XXXX cell phone XXXX credit card and car payments child support XXXX a month. 
IRS repayment plan XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
an order was placed for a computer processor for {$500.00} on XX/XX/2019 with my Amazon Prime Store Card is issued by Synchrony Bank. i called amazon right away and stopped the order and amazon stopped delivery i also called synchrony bank and i was told by both companies to change my password and i did that! and the bank was sending me a new card they removed the charge from my account and i thought great glad i have instant notifications on my cell phone on any purchases made but for some reason i am still being charged for the item by the bank even after i called them and told them of the problem they sent me a new card i reset all my passwords and lost the dispute! they added the {$500.00} on my new card on XX/XX/2019 how can this happen now they want me to pay {$500.00} for an item i never ordered, never received, and no nothing about amazon even removed it from my order history and tracking # i spoke with amazon and they agree i never received the item and the bank was wrong but said nothing they can do its up to the bank to investigate i have proof! e-mails, my phone calls to both amazon and Synchrony Bank and name and address of the person and place they tried to have it shipped in new jersey this needs to be dealt with why should i pay for a the fraud? but if i don't pay my credit takes a big hit i have never missed or been late with a credit card or mortgage payment i am not happy with all parties involved this should have been an open and closed case! i provided them the name and address of the person trying to do it! Synchrony Bank is reopening the case but i still have to make minimum payments due on the card. i never carry a balance on any of my credit cards i pay in full before statement date every month!

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 2019-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Last XX/XX/2019 I had a transaction CANCELLED in the amount of {$240.00} from merchant XXXX  XXXX  XXXX XXXX  XXXX. XXXX my BANK OF AMERICA Credit Card Ending in : XXXX. The Merchant issued me a FULL CREDIT REFUND back to my above- mentioned Account on that same day. 

I had given the copy of this receipt to BANK OF AMERICA for several times by FAX and via CERTIFIED MAIL subsequently as they've asked for it from, CUSTOMER SERVICE and DISPUTE / FRAUD TEAM UNIT. 

Trusting and hope your office can help me get a Valid and Legal Clarification on this matter. I remain, Respectfully your 's, XXXX 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 monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I originated a line of credit with TD Bank on XX/XX/2017. Over 90 % of the payments made since the inception of this loan has included additional funds to be applied to principal payment. Most of the time when I mailed a payment to the XXXX XXXX processing center I would note on the check within the memo section to apply to principal, however in reviewing the payment history it does not show this was done. I have reached out to several representatives over the last three months to attempt to reach a resolution and no-one has been wiling to go over my pay history breakdown the application of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL 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 2019-12-04 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: PA

Complaint narrative:
On XXXX I received collection bill for what it appears on a hospital stay on about XXXX from AmeriFinancial Solutions, LLC., XXXX. XXXX XXXX XXXX, Maryland XXXX I am unaware of their medical debt even exists. On XXXX and again on XXXX I requested via certified letter for a proof of debt with an explanation of a detailed, itemized statement from the collection agency. As of XXXX I have not received any written documentation from Collection Agency. I have a collection report as a derogatory/collection claim on my credit report which is reducing & negatively affecting my credit. 
A phone call was made directly on about XXXX to collection agency with no information shared with me on the what the debt was for or by whom. They requested for proof of Insurance which was mailed to them on the certified letter of XXXX. 
I applied to all major credit report agency for a dispute. XXXX  has responded and returned with a validation of the debt, which it should have been removed from my credit report since I showed proof of inquiring about and the collection agency has not submitted the itemize or detail explanation of debt in return. 
I still do not know what the debt is for and I have collection report on my credit agency which is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was denied credit which prompted me to check my credit report and when I did I noticed that Experian had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. XXXX  removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.

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 2019-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I started receiving gratuitous contacts ( 4 unsolicited, and 7 additional after asking to cease communication ) within 24 hours from National Small Loan regarding a loan I did not apply for, and funding of said loan. Each contact requests additional information, the team refuses to stop contacting and to delete my information without me providing significant amounts of PII via unsecured email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through XXXX  and Equifax and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Arete Financial Group
State: AK

Complaint narrative:
I am currently a customer of Arete Financial, XXXX XXXX, etc. I found out they were sued today when one of the companys I am trying to get resolution with through them called me directly. When I brought up the fact I had power of attorney with Arete they would not tell me any information until I verified info on the phone. I notified them I would call Arete. Emails get returned from Arete and phones are not answered. I know why now. XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Personal Solutions ( https : //facta.equifax.com ) does not have my current name listed correctly. My current name is listed within the " Formerly known as '' section rather than in the " Name '' section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt from portfolio recovery associates stating that it was an account with XXXX XXXX  XXXX. I only own one account with this bank and that is a credit card with XXXX XXXX XXXX. This company has never sent any bill on this account, I have never ever even dealt with this bank until i applied for the XXXX  XXXX credit card. I have never received any statements from this bank or this collection agency until it showed up on my credit report today. This company is causing a real hard ship for me and my family and I am trying to find a way to put a fraud alert on my credit report. I would like this collections removed from my credit as soon as possible. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been working with Equifax since XX/XX/XXXX to get my credit score released to my mortgage company so that I can refinance my house. Every time I talk to someone at Equifax, I get a different story. This delay has already caused my rate to increase several times and increasing my out of pocket expenses. Equifax is stating there is no alert or indicator on my file, but the mortgage company is still unable to obtain my score from them as of today, XX/XX/XXXX with an error message of " Not provided by the repository ''. This is not an issue with the mortgage company, as I have had two different ones tell me this same information. Also, they are not having trouble pulling other customers information from Equifax. Please help me get my score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been banking with Bank of America for many years. I received a letter closing my business bank accounts ( 2 ) and 1 credit card. Bank of America has given me 16 days to close out any existing business. This puts an unfair hardship on my business. Currently I have 3 employees which I run payroll through the bank of america portal. I need more time to switch payroll companies. I believe the bank is retaliating against me and my business for previous history and is now causing damage to me and my employees.

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 2019-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This is very simple : I had a subscription. I cancelled the subscription. Capital One continues to bill me for the cancelled subscription and all my attempts to correct this or even to get a coherent explanation from Capital One have failed. 

I realize that, in this time of political and constitutional turmoil, my issue is trivial in comparison but it involves the larger current issue of malefactors of great wealth who are trying to turn this country into a XXXX  style of XXXX XXXX. 

If you would like further information the Capital One case number is : XXXX. I can provide more documentation if desired. 

Thank you for your time. 
XXXX XXXX email : XXXX phone : XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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