vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I received credit monitor alert for things I have no knowledge or applied for. Sunrise Credit Services is attempting to collect a debt that is not mine and is due to identity theft.

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 2020-08-13 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-08-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
i look on my credit report on XX/XX/XXXX and notice a collection from IC SYSTEM for a alleged debt of XXXX XXXX  that i do not owe, and on XX/XX/XXXX i sent them a letter asking for the required information concerning account number XX/XX/XXXX.I also attached a copy of the document below.

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 2020-08-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America refused to proved the benefits that they offer and advertise. Particularly the Honors program for credit cards described in the attached page from the banks website. 

I have called the bank and spoken with five people. One said the program exists another said it does it exist but I would have to speak to a different department. Then I get transferred back to the department I started at, and they can't help me. I have been getting the runaround. All of the reps have been polite but untrained, they are unfamiliar with their own programs and completely unable to help. So I am reaching out to cfpb for help.

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received mail from Conn 's XXXX XXXX saying that I had taken out roughly a XXXX line of credit. I called to inform them of the identity fraud and was redirected to the company fraud line. On XX/XX/XXXX I submitted an affidavit ( un-notarized due to COVID-19 lockdown restrictions ) with the listed fraudulent charges, the associated account number, and a case number with badge number for a police report I filed in association with the theft. In the police report I testified under penalty of perjury that I had been the victim of identity theft for several lines of credit totaling roughly XXXX. I very shortly afterward received confirmation that my email had been received and that the account was under review. Today I received a phone call from a collection agency attempting to collect the fraudulent debt. When I told them that I had reported the account as fraudulent they informed me that they would continue to call indefinitely as long as their operations told them to. Conn 's has shown negligence in adjudicating this fraud dispute and an apathy to resolving this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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:
I had nothing to do with this account or inquires.

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 2020-08-13 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:
I had nothing to do with this account or inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-08-13 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: NY

Complaint narrative:
I had nothing to do with this account or inquires.

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 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have been trying to purchase a home for a short sale that is located at XXXX XXXX XXXX in XXXX Massachusetts. 
The seller of the house is XXXX XXXX XXXX, Trustee of XXXX XXXX XXXX. 

The realtor is XXXX XXXX XXXX XXXX phone number : XXXX Buyer : XXXX XXXX Phone XXXX Loan # XXXX with Specialized Loan Servicing On XX/XX/2019 the realtor, XXXX XXXX, sent in all paper work to Specialized Loan Servicing to the following fax number : XXXX to a person named XXXX for a short sale review. 
We have never received an approval or denial or any correspondence of the short sale to this date from SLS. 
SLS employee XXXX, relationship manager, many weeks ago spoke to XXXX on the phone and stated someone dropped the ball & we are going to have this all cleared up in a few days XXXX has made over 100 plus calls to this company, which she has documented the date, times and the person she spoke with. XXXX, the Relationship Manager has never since the initial conversation returned any phone calls to the realtor. When you call SLS number at XXXX you will here this has been approved but when speaking to a person you will be told it is in review. It is now over a year SLS has been reviewing this short sale.

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 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I notice a negative item from midland credit management on XX/XX/XXXX for an alleged debt that i do not owe, so on XX/XX/XXXX I sent them a letter for the account number XX/XX/XXXX being reported, asking for validity of the alleged debt in its entirety.i have attached a copy of the  letter below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had a mortgage with Bank of America since XXXX. In XX/XX/XXXX, I refinanced with another bank and paid off the BoA mortgage. The escrow company sent BoA {$210000.00} on XXXX XX/XX/XXXX. As of XXXX XXXX, BoA ( 1 ) has not credited the money against my mortgage to them ; and ( 2 ) has obstructed my ability to speak with them about the missing money. They only provide one contact mechanism about this matter : their XXXX phone number. I tried to call them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In all cases, I was held on hold for more than 90 minutes each time, and each time after that wait, the agent said " I can't help you '' and hung up on me. My credit report now shows TWO mortgages outstanding and is lowering my credit score because while my mortgage obligations have doubled, my income is down during the COVID crisis. BoA is holding XXXX of my money, plus escrow amounts ( around an additional {$10000.00} ),  and refusing to discuss it, leading to harm to me. 

They should be held accountable. I can get a BoA employee on the phone to discuss a new mortgage or a refinance in less than five minutes, but discussing an existing mortgage means HOURS on hold and then 'Sorry we can't help you, ' and hanging up on me. The physical branches of BoA have " Home loan specialists '' on staff, but they state they can not address this matter and it can only be resolved through the XXXX  number, which BoA is effectively not answering ( while holding on several XXXX XXXX dollars of my money ). This is unacceptable -- right now, it is theft by an CFPB-regulated firm.

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 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I overpaid my mortgage bill, should go towards principle, and that amount is not being credited towards my principle balance. Therefore the lender gets to charge interest on the outstanding principle, without regard to the principle-payment I made. They are placing that over-payment in 'Suspense ' account. They said they can keep those funds in 'Suspense ' for up to 15 days, and charge interest for those 15 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
i check my credit report and notice a collection from JEFFERSON CAPITAL SYSTEM on XX/XX/2020 with an alleged debt of XXXX $ that i don't owe or never sign up for this account with XXXX direct marketing.I sent them a letter requesting validity of the alleged debt  in question along with other information on XX/XX/2020 in which i have not receive anything as of yet.I also attached a copy concerning this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED 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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED 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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.

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 2020-08-13 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:
On XX/XX/2020, I was the victim of fraud perpetrated by unknown person ( s ) using XXXX to steal {$6200.00} from my consumer bank account at Bank of America. In total, there were six separate fraudulent transactions, three on XX/XX/XXXX and three on XX/XX/XXXX, in the following amounts : XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} None of these transactions were initiated by or authorized by me, and I have never signed up for or used XXXX for any purpose. I reported the first three fraudulent and unauthorized transactions to BOA on XX/XX/XXXX, but the bank did not properly handle my call and did nothing to protect my account or refund me the money. Then on XX/XX/XXXX the additional three fraudulent transactions were made from my account. BOA refused to refund any of the fraudulent transactions, even though I reported them immediately as fraudulent, in violation of Reg E. Instead, BOA denied my claim and closed my account. I request reimbursement of the {$6200.00} stolen from my account and the remaining balance in my account after BOA unilaterally closed it.

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