vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
The company below keeps putting the same invalid collection account onto my credit and providing inaccurate dates and amounts ; two times within 4 months. Originally, when this was disputed in XXXX, XXXX, the company lied and stated to the credit bureaus the account was verified with an fake balance and inaccurate full name, S.S. number, and wrong address ; never received anything in the mail. Now, since this has been brought to their attention, they put a new a collection onto my credit with a different amount and date account opened. This is fraudulent collection company who is making illegal collection attempts, as well as attempting to get paid even though the original holder, whom was paid though my Health Insurance carrier was paid, which never stated I had I bill. They also threatened me, saying we will get you because no one has your same name ; all happened when I called to address the unfounded charges and fake account. 

Account Name WAKEFIELD & ASSOCIATES I Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$810.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$750.00} Account Name WAKEFIELD & ASSOCIATES I Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. 
Status Updated XX/XX/XXXX Balance {$790.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$750.00} Highest Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a complaint with CFPB regarding XXXX XXXX claiming I owe money for a company ( XXXX XXXX ) that does not exist. XXXX XXXX responded to my compliant stating the company does not exist but that I still owe money. I even mailed out a validation letter to XXXX XXXX and they sent me an itemized statement that their company drafted up which is not proper validation. I sent my CFPB report with XXXX XXXX response and a copy of the itemized statement to Equifax. In my letter to Equifax I requested that XXXX XXXX be deleted form my credit report since they failed to provide proper validation and the alleged original creditor does not exist. Instead of them deleting XXXX XXXX, they used a STALL TACTIC and sent over my complaint to another collector called XXXX XXXX XXXX and XXXX sent me paperwork to fill out regarding the identity theft. XXXX XXXX has committed identity theft and fraud because I have no ideal who they or the original creditor is and Ive never done business with them or the original creditor and XXXX XXXX is reporting false information to Equifax. I want them immediately erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested Numerous times that Equifax remove unauthorized inquires on my credit report, I have gotten generic letters sent back stating they basically wont delete. 
The mortgage inquires- I never allowed my account to be ran my mother in law was going to sign on a house not anything to do with me, I knew at the time I was no where near reading to apply. 
XXXX, my fiance has an account with them, I NEVER put my social down for them to run, the only thing associated to me was my debit card for a down payment for his account to be opened- XXXXl XXXX I did not authorize XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
Equifax and XXXX is currently reporting a medical bill in collections that is incorrect. According to Equifax they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect XXXX   is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third is unable to resolve credit card fraud and identity fraud. They put consumers at risk and make them go through hours of hurdles to try and get fraud resolved. It is reckless and irresponsible and shows poor fraud defenses on their end. 

I received a notification from a credit monitoring service ( XXXX ) on XX/XX/2019 that there was a hard inquiry on my TransUnion credit report from Fifth Third Bank and 2 other banks. I did not make any of those inquires for credit so realized I was a victim of identity fraud. I put in a fraud alert for the credit agencies, and then was able to call and close 2 of the fraudulent accounts that were opened under my name. It took around 30 minutes to an hour of hold time, getting transferred, and putting in my info to get those fraudulent accounts closed. This is an XXXX, but I thought 2 banks had a good customer service experience to resolve identify fraud. 

For Fifth Third, however, I have spent over 4 hours on hold and being transferred between departments but have been unable to resolve this issue. Fifth Third repeatedly says in their hold menu that I need to enter my account number of social security number to get faster service. I don't have an account number ( because it is fraud! ) and my social is not registering with them. So that means I sit on hold for 30-45 minutes since I am de-prioritized in the queue. When I finally do get a hold of someone, they say they can't access my application since my info doesn't match ( BUT OF COURSE IT DOESN'T MATCH. IT IS FRAUD. WHY WOULD THE INFO MATCH WITH FRAUD!! ). This is an awful customer experience and they are running the risk of someone receiving a credit card in my name and me being liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: CO

Complaint narrative:
On XX/XX/2019, I instructed XXXX XXXX XXXX  to pay the remaining settlement amount to XXXX XXXX XXXX for account ending in XXXX. A total of {$1300.00} was paid to XXXX XXXX  to settle this account as " PAID OFF ''. 

I have tried to get XXXX XXXX to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.

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 2019-06-12 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 been a identity theft victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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:
After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Franklin Credit Management Corporation
State: CA

Complaint narrative:
Franklin Credit reported ongoing rolling late payment without notifying me of past due amount. Please see attached letter from my attorney to Franklin Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Several dates in the month of beginning of XX/XX/XXXX. I called and try to investigate but the keep giving me a run around saying they will no longer investigate. Its hard to get credit cards and a vehicle if a lot of inquiries that you have no idea where it came from.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent all documents for ftc claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C.
State: KS

Complaint narrative:
Arnold, Scott, Harris PC has utilized questionable collection tactics, including contacting me for a debt that has been paid and filing for garnishment after the debt was paid. 

I previously owed state taxes to Kansas and was on a payment plan with Arnold Scott Harris for that debt. I paid off the remaining balance with my XX/XX/XXXX and XX/XX/XXXX federal tax returns. However, the collection attorney filed a garnishment after the debt was confirmed as paid several weeks prior to filing the garnishment. 

They did remove the garnishment, but they now claim that I still owe a balance. I have asked several times for them to provide a full accounting money owed an money paid. I also faxed them a letter with this request. They have been unable to provide this accounting. Instead, they sent me a payment history that lacked the original debt owed. They also continue to contact me through robo calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
XXXX and XXXX is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from Professional Adjustment one for {$470.00} and one for {$650.00}. This information is incorrect XXXX is also reporting a medical bill from Professional Adjustment for {$650.00} that was paid and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect Experian is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.

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 2019-06-12 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 been a identity theft victim

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 2019-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Sold home. Escrow check issued XX/XX/XXXX according to their web site. Call to support confirms the same and that check as sent to proper address. XX/XX/XXXX and still no check. no other options other than to re-initiate the process which takes a minimum of another 15 days. No option to expedite or go to Freedom office to pick up a check.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this as a Qualified Written Request for copies of any and all Trust Instruments related to XXXX   XXXX XXXX XXXX, Section 1 having a street address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX and effective XX/XX/XXXX - XX/XX/XXXX. For purposes of this Qualified Written Request, the request trust documents are defined under N.C.G.S. 36C-1-103 ( 21 ) Trust instrument. - An instrument executed by the settlor that contains terms of the trust, including any amendments to the instrument, and any modifications permitted by court order. Thank you - XXXX 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 explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I fell behind due to my husband having XXXX  XXXX and losing income. I am in a better place right now to be able to afford the payments but I put in for a loan modification and they tried to give me a trail plan and the payments were almost {$400.00} more than my mortgage payment and they are trying to raise my interest rate from 4 to 6 % I filed for bankrupcty to try and get myself together and I am making payments to the account and the company keeps mailing out statements where my payments are higher than they are supposed to be. No one sent me anything as to why the payment amount goes up every month and i mailed letters requesting this information and no one ever gets back to me. They wont talk to me over the phone and I am scared to death,. I am trying to do the right thing but they are playing games. I would like a fair modification but all they want to do is play games. I need help. I feel from the very beginning I had a problem with the loan and they pushed it through because I had money to put down on the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an account with Regions Bank and the bank charged overdraft fees on the account. The charge off date was XX/XX/XXXX and the balance was - {$210.00}. The balance on XX/XX/XXXX was - {$470.00}. I don't have any records of how the bank arrived at the current balance. I made a payment of XXXX on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. After requesting copies of the final bank statements, I realized that I was basically paying bank fees and decided that I would no longer pay on the account until I received proof the debt was owed. On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX offering a reduced balance opportunity to pay the balance off at 35 % in the amount of {$120.00} within 60 days.

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 2019-06-12 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover has charged me, multiple times, for the same purchases. I have paid for these purchases, but they continue to charge me for them. Also, I disputed a charge, based on the quality of the purchase not being as guaranteed. They denied my dispute. I have since closed my account, but they continue to charge interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I have been contacted several times by National Credit Systems about debt to XXXX XXXX apartments for a debt I do not owe. I have been threatened several times via phone and have one recording of such. The threats include damage to my credit and making sure I would never get " another '' lease again, although I wouldn't need to ever have to worry about that. profanity used several times. I sent them 2 letters to no longer contact me cease and desist. They still call and harass. I obtain legal representation to have this matter cleared up and have provided them with my attorney 's information. If this continues and this account is not removed from my credit record I will pursue legal action against all parties involved including a XXXX XXXX XXXX who now has the account. I am sick of the harassment and do not owe this debt. I have provided an affidavit that was notarized and filed complaints with the FTC, your agency, the Georgia State Bar, and Attorney General 's office. I do not owe this debt in any way shape or form. I have retained an attorney and will pursue this as long as I need too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had a Paypal claim filed against me that was related to an XXXX  transactionfrom 4 months ago. We have a high degree of suspicion that this is a fraudulent claim. Rather than resolve this issue with the facts, PayPal deducted the full amount from my XXXX account and told me they had resolved the issue in the fraudsters favor. I foolishly thought that the dispute was still under investigation. With the PayPal system, I have zero ability to stop this transfer ( XXXX was singularly unhelpful- after 35 years with the same bank ) and XXXX simply does whatever PayPal wants. This is an unholy alliance of too big to fail financial institutions that take advantage of the consumer. Please help me in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My payments was ach withdrawn from my account by the mortgage company but they reported a late payment for that month, XX/XX/XXXX.

Company response to consumer: Closed with explanation