vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 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: TN

Complaint narrative:
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also some inquiries on there that I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: CITIBANK, N.A.
State: OR

Complaint narrative:
My husband and I were scammed by an online affiliate marketing company, XXXX ( XXXX XXXX XXXX XXXX ) for over $ 100k. We purchased the top tier affiliate position, which they called XXXX the end of XX/XX/2018, which included over 30 hours of coaching. We were just getting started learning the business in XXXX, when our coach strongly urged us to purchase 100 names with contact information of people who had purchased the entry level ( least expensive ) products from XXXX for {$230.00} each. We were told these would be great leads to launch our business. We made the purchase, charging $ XXXX to our Citibank card and $ XXXX to a XXXX XXXX XXXX card. As we attempted to communicate with the 100 individuals, it became apparent that they were not strong leads, as 13 people requested refunds for the XXXX product they purchased, 10 were reported to XXXX 's support department for fraud or other issues and 29 were uncontactable. And judging from some of the comments from those we did hear from, they did not give XXXX permission to sell their contact information. 

On XX/XX/18, the Federal Trade Commission shut down XXXX 's operations, froze their assets, disabled their websites, and placed gag orders on their employees. They were essentially out of business in the US. With this action by the FTC, the 100 names we had purchased from XXXX XXXX XXXX XXXX ( a  division of XXXX ) were totally worthless to us. There were no products available to promote. We filed claims with both credit card companies. Citibank denied the claim twice. My husband and I are both retired seniors who have been victimized.

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 2019-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
SPS Select Portfolio Servicing, PO Box XXXX, XXXX XXXX XXXX, Utah XXXX are attempting to collect XXXX XXXX dollars for a mortgage that no longer exists. This mortgage was a result of an Identity Theft Fraud/Forgery prosecuted by the U.S Attorneys Office in NYS. The mortage was vacated by a XXXX Supreme Court Judge in XX/XX/2013, yet they continue to bill, attempt to foreclose, attempt to lock out owner, winterize the property and change the locks, serve documents to the wrong address. They have trespassed, harrassed and continue their predatory aggression even after being put on notice by an licensed Attorney. They have issued home owners policys in our name, Even after being served with proof the home was already insured. Given our correct address and phone number and asked to remove the erroneous file. They have assessed taxes and fees and post transaction acceleration fees even though they are illegal in NYS. They have not deceased attempting to collect a debt that does not exist.They have trespassed in attempts to lock us out of our home, board it up and change the locks. If my realtor was not there, they would have succeeded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After sending certified, return receipt letters to TransUnion on XX/XX/XXXX, which they received on XX/XX/XXXX, reporting that there were inaccuracies on my credit report in the form of {$11000.00}, originally reported on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, and I that would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/XXXX, which was received on XX/XX/XXXX ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.

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 2019-02-16 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: CA

Complaint narrative:
I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XXXX/XXXX/2013

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 2019-02-16 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: CA

Complaint narrative:
I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XX/XX/2013

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 2019-02-16 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received notification from a few of my Credit morning service that Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX had added something negative to my report for {$67.00}, with a open date of XX/XX/2019, I have never received anything from this company, they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I have never received anything from anyone saying I owed {$67.00} for anything. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. This should not be on my report, and should be removed! Commonwealth Financial does not licensed in the state of Florida and have no right to even collect on any debt in Florida! Please look into this company their reviews by thousands of people they are committing fraud against. Please help me becaus this is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
My chapter XXXX discharge granted on XX/XX/2009 included my mortgage and Second PREDATORIAL Lending 125percent LTV where the loan was charged off. This discharge stopped me from owing on these loans on a personal basis and any proper residential Liens would survive. So, if I owed nothing on a personal basis why was a loan modification offered and completed when I owed nothing personally? Why was a chapter XXXX claim accepted if I owed nothing personally. 
I was very I'll during these times and you knew it and took complete advantage of a now XXXX XXXX XXXX Man. It goes both ways meaning something can be applied for but to not violate the consumer fraud act by doing nothing on your end where the discharge was in effect and so many other things should have been done on your end as well. This ALL constitutes FRAUD and many other Violations. My current foreclosure is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$840.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.

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 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a co-signer on a loan that my daughter took out while in XXXX  school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX  XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. 

While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX  until XXXX XXXX  I received 7 such calls over a 7 hour period : XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 2 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 4 seconds XXXX XXXX  - 3 seconds XXXX XXXX  - 3 seconds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: AL

Complaint narrative:
I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of $ XXXXfrom XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.

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 2019-02-16 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: AL

Complaint narrative:
I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX XXXX XXXX XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 2019-02-16 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: AL

Complaint narrative:
I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX NA XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit Credit Inc, XXXX XXXX XXXX XXXX, FL XXXX does not have a license to collect in Florida, they are constantly falsely reporting debt to my credit report that does not belong to me.

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 2019-02-16 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: CA

Complaint narrative:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loan servicer, NAVIENT has : Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a XXXX XXXX. My mom & I sat down as I returned from XXXX and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on Equifax. We contacted XXXX & XXXX XXXX bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both XXXX XXXX & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see Equifax is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), XXXX XXXX credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & XXXX XXXX. XXXX did their job and removed it for Fraud. XXXX XXXX has not. How did a large national bank such as XXXX XXXX allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have listed all the complaints in the attached documents. The complaint is about Citibank selling my account to XXXX XXXX XXXX, but neither of them is ready to take responsibility about the errors on the account even though I sent I disputes to both.

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