vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: Innovis
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: ERC
State: PA

Complaint narrative:
ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$1000.00} Needs Attention ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$690.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. There are no contracts, no valid claim ... accounts were settled with original creditor.

Grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount : {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount :  {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.

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 2020-03-30 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: TX

Complaint narrative:
XXXX 2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CORELOGIC INC
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXXXXXX

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 2020-03-30 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: LEXISNEXIS
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX  Please remove the following employers : Not Provided, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, 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 2020-03-30 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: MO

Complaint narrative:
The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX USA 3. XXXX XXXX XXXX  USA

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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account with Bank of America. On XX/XX/XXXX three fraudulent transaction were done on my account through XXXX. It was detected by bank and I got a call from an employee about the suspicious transactions. I informed the bank employee that these transactions were not done by me. 

Bank stopped the third transaction but first two transactions worth {$990.00} and {$990.00} went through. 

I immediately filed a Fraud claim with Bank but it was rejected giving the reason that bank had sent confirmation codes on my mobile ( which I had not seen as I was not accessing my phone on that Saturday morning ) Below is a summary of events : XX/XX/XXXX XXXX 1. Three transactions done by Unauthorized person through XXXX worth XXXX XXXX, XXXX, {$880.00} 2. Bank representative informed me of these transactions and I told to stop the transactions immediately 3. I filed a fraud claim within 30-40 mins and was told that first two transactions have gone through and last one was stopped. 

XX/XX/2020 Bank sent a letter stating that claim has been rejected. When I contacted customer care, I was told to bring evidence that my phone was hacked -- I contacted XXXX and was told that my device ( phone ) doesn't have any malware etc. 

I contacted my home internet provider and again there was no such evidence My mobile operator ( XXXX   XXXX XXXX mentioned that they cant provide me any information on any suspicious activity on my mobile no. 

My argument is that I dont know the entity/perdson to whom money was transferred and if it was done with my consent i would not have stopped the third transaction, which was again towards the same entity/person

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 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/2020 I received an updated credit report from XXXX  where I noticed an account that was in collections for {$250.00}. The account was from IC System Inc for a medical service provided by XXXX XXXX. I disputed the account with XXXX  and they told me that IC System has verified my identity and that I would have to contact them to remove the debt. I contacted them, verified my name and date of birth and address. They did not have my address on file correctly and could not match me to an account. I had to give them the account number that was on the XXXX credit report. They let me know I would have to file a police report and send it via mail. I sent it and waited a week, checked back in and they said they didn't receive it and it was nothing they could do. I waited another week and they said they did not receive it and it was nothing they could do. I talked to a manager who shared with me more details about the account with XXXX XXXX and it was an insurance company I had never had/used and she advised me to contact them. After my plea for help with this issue she ultimately told me that it was nothing she could do and that there was no alternative way to send in the police report to guarantee they got it. I was told to just wait.

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 2020-03-30 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: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, 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 non-monetary relief
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX USA XXXX. XXXX XXXX  XXXX  USA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3.  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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
According to XXXX XXXX my BB card was closed on XX/XX/2020 but I was using it as late as XX/XX/2020 and made a payment on XX/XX/2020. Their website did not show a closed status. Then on XX/XX/2020 a creditor attempted to pull their payment and it was denied. I was never notified of anything except on their website. No email notices of anything. They stated length of time accounts open some of my accounts have been opened for 5 plus years. I have a fairly decent payment history. They also stated that my score was only XXXX which doesn't make any since.

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 2020-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX of 2019 I sent a written request to Wells Fargo Bank N.A. for VALIDATION made pursuant to 15 U.S.C. 1692 ( g ) pursuant to the Fair Debt collections Practices Act. The Bank refused to respond with the information requested citing " pending litigation ''. This is disturbing because this bank is notorious for making different statements and allegations in and out of court.

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have tried numerous times to call them and have had no response, waited on hold and got disconnected. Left number several times for a call back and Im still waiting, this has gone on for a week and a half. I have left 5 emails, each one more desperate and frustrated. I have gotten 2 email responses, each one took a week and each one was to my first two emails which were generic emails saying the exact same thing, to  call which Ive done several times or look on there website which does nothing!! I have been forced to shut my business down due to coronavirus and the minimum will be 7 weeks with no income, chances are it will get pushed out further and we are trying to have mr cooper do something to help us like so many other mortgage companies are doing and they are doing absolutely nothing, you cant even talk to anyone. They are the absolute worst experience I have ever had in my life with customer service. They do not care about there customers and based on other responses Ive seen on there XXXX page, we are not the only ones. The amount of complaints I have seen is unbelievable and I cant wait to be done with them, they shouldnt even be in business. I will absolutely refinance away from them as soon as I am able too. They dont care about any of us that are struggling due to coronavirus, I have never been late on my mortgage with them. They only care about themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NJ

Complaint narrative:
I wrote EQUIFAX numerous times. The most recent was XX/XX/2020 and XX/XX/2020 they sent no verification or verifiable proof ( i.e. : an original consumer contract with my signature on it ) of the inquiry for XXXX made on XX/XX/2020. The inquiry was not authorized and it needs to be removed. I also requested verification or verifiable proof for XXXX XXXX  AND HAVE RECEIVED NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage was sold to a new company starting in XX/XX/XXXX. The new company has a negative escrow balance on my account for an alleged property tax payment made by my previous mortgage company. The amount of the balance owed is {$610.00}. I submitted proof of payments by me to the county showing all of my XXXX property tax payments were made. I also checked my county record to determine if there is an overpayment. No record of overpayment is listed. I submitted this proof in writing to my current mortgage company for my escrow account to be correctly adjusted. They have declined to correct it and state it was paid they have not shown me proof of their payment, nor have they called or spoke to me. I have tried to call them 3 times in the 6 weeks I spent to correct this, and was always promised a call back. Instead i received written letters stating they are reviewing my case. The company needs to be held responsible for trying to over charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TX

Complaint narrative:
ftc violations on all 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 non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of XXXX and XXXX of XXXX Capital One Bank put a late payment on my account. This was an auto bill pay issue and a glitch in the system. I keep all my accounts on autopay for peace of mind. The bank recognized this and reported the payments late, I have since then have been trying to talk with the bank to ask them to kindly remove them because of an autopay error, but they will not. This has greatly effected not only my credit score but my credit worthiness to be able to obtain credit and achieve the American dream on being able to own a home.

Company response to consumer: Closed with explanation