vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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:
I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX XXXX XXXX {$0.00} - - Other Negative XX/XX/XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX, WI XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX  XXXX XXXX, WI XXXX - AR XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$650.00} - None provided - XXXX XX/XX/XXXX {$480.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided - XXXX XX/XX/XXXX {$1000.00} - None provided INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX {$0.00} - - Other Negative XX/XX/XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} - XXXX   XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$660.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2017, I filed disputes with Equifax, XXXX   and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I live in Colorado and my mom passed away in XX/XX/XXXX and left the home to my sister and brother and myself. And at that time there was a balance of {$3500.00} left on a {$25000.00} loan my mom took out in XX/XX/XXXX to fix the house. Well my family and I decided that who ever lives in the house would pay the that amount left. My sister XXXX XXXX paid that loan without missing a payment or late fee til it was finished. But for some reason when I file chapter XXXX in XX/XX/XXXX midland mortgage popped up trying to collect {$500.00} from my bankruptcy that I was paying and I had nothing to do with that payment. Not a one payment in my name was I responsible for. My sister paid all of the it and received payment confirmation and they released the deed. Question why does it show every payment paid except for the last one that midland added at the end? I believe that the motive was to capitalize on my bankruptcy that was the only reason I could come up with. I try hard to keep my credit up but I seem to fall in one pitfall  after another.I try to do the right thing in life and people and companys take advantage of every opportunity for a dollar.

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 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
I obtain a copy of my credit file and found the following as an error. 
Please verify or validate this debt. if not please remove from my credit file 1. Creditor Name : XXXX Date : XX/XX/2019 Amount : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called at least 6 times in 1 week trying to find out why my mortgage lender is not able to pull my credit report through Equifax. No problem with the other 2 bureaus only this one. They keep assuring me that my account shows nothing wrong with it but we still cant pull the report. My husband is having the same issue. Noone tries to help figure this out to help us. I verified the addresses on file because this is the message stating that the address is the issue but the address that was verified with me is the exact address that the lender is using. I am trying to purchase a home because my lease is up in 30  days and I have to deal with this XXXX from this company. They are really keeping me from being able to get a house. I am looking into legal action against this company if we have no place to live because of this. Its ridiculous that creditors that I authorize to run my credit cant do so. Please fix the system now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: PA

Complaint narrative:
On XX/XX/2017, I filed disputes with XXXX, Transunion and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered "  NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to 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 2019-08-24 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: PA

Complaint narrative:
On XX/XX/2017, I filed disputes with XXXX, XXXX   and Experian regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my Experian account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to 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 non-monetary relief
Consumer complaint received 2019-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I saw my credit report it showed 7 or more inquires most of them I did not recognize or have done without my authorization or knowledge.

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 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have reported since XX/XX/XXXX to bank of America fraud and suspicious activity. XXXX  researched my complaints and after her intense research as her XX/XX/XXXX letter states my complaints have grown substantially.

XXXX  states in her letter that she was sending me the original signature cards for all 3 accounts XXXX XXXX XXXX XXXX was not original from XXXX I and XXXX  that is stated on her letter sent to cfpb says she included the XXXX. Original signature card. False.

I still am requesting all original signature cards for court. It is going to prove my complaints.

XXXX  letter also states falsely that I notified boa on XX/XX/XXXX of my new XXXX XXXX address XXXX XXXX nc XXXX   when she stated I opened the account solely in my name. False.

I did not open a boa account in XX/XX/XXXX. I did not report my address change on that date either BECAUSE THE UNITED STATES POST OFFICE OF XXXX XXXX NC XXXX RECORDS SHOW I did not have XXXX XXXX   XXXX XXXX nc XXXX  ON XX/XX/XXXX. I HAVE THE RECORD showing a date of XX/XX/XXXX as per attached application I am hereby again requesting boa to produce all original signature cards and documents from my XXXX  account as per boa and the XXXX XXXX. I NEED THESE FOR 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 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
While I have an outstanding credit rating ( 820+ ), and more than enough income, I did not qualify for the lowest advertised APR. I first applied for the card on XX/XX/XXXX, and my application was accepted immediately. I contacted XXXX XXXX/XXXX XXXX customer service that same evening looking for an explanation as to why I didnt qualify for their lowest APR advertised. They could not explain why I personally didnt receive the lowest rate, and offered no transparency or any avenue to lower my rate or get more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I just want to clear that no one is doing any kind of fraudulent activity on my accounts you have my authorization to remove anything other than what I am putting today XX/XX/2019 American express has been giving me the biggest headache Im trying to verify myself I have verified myself over and over you could reach me at XXXX my other numbers are no more longer in service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: SC

Complaint narrative:
I had a mortgage through XXXX county state bank. That mortgage was sold to XXXX XXXX XXXX. We went through bankruptcy and XXXX XXXX XXXX was included in bankruptcy. Its still showing an open account with a balance. XXXX XXXX and XXXX have both taken it off of my credit report. Equifax is still reporting that is an open account which its a closed account. I contacted XXXX XXXX XXXX and they stated that they havent reported it to equifax since before the bankruptcy ended. They told me its equifax thats not changing it. It has affected my credit score tremendously. Initially equifax took it off the report and then the following month the put it back on. Something has to be done about this. It should be a closed XXXX balance account. But its showing {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have been trying since XX/XX/2017 to resolve a Identity Theft case with XXXX XXXX XXXX. I have never had nor have I ever opened a credit card account with them. I have never applied for a credit card with this company.

I spoke with the company several times in an attempt to resolve this issue. One of my last conversations with the company I was told that they were removing the account to reflect that I never opened an account with them and a year later I am received a letter from a collection agency.

I continue to receive letters after I have filed a police report, and had an Affidavit notarized and mailed back to the collection agency on their paperwork.

They are harassing me with letters about this debt that does not belong to me. I'm receiving a letter every week from them and when I call in I have a representative say to me, " Wouldn't it be worth it to pay the debt off? '' If it was mine, absolutely, but it is not. And I have follow all of their procedures to resolve this issue and it has not helped.

The amount on this account is : {$630.00} The creditor : XXXX XXXX XXXX The collection agency : LVNV Funding LLC.

Neither the company nor the debt collector can give me an account number for this account nor do they have my social attached to this account. I would like for them to please remove this information completely from my credit reports. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: FL

Complaint narrative:
I recently spoke to a rep to lower my payment and made it clear with a break down of my bills : mortgage, daycare, utilities, auto, insurance, groceries and XXXX  children I could not afford payments over {$150.00}. I was told my payment would not be over {$150.00}. I just received a notice today that my payment will be {$230.00} and now my balance is over {$60000.00}. Mind you, I didnt borrow over {$30000.00}. I am not even sure how its over {$60000.00} But this is a nightmare. I can not afford this. It will cause me hardship. I am the sole earner in my home. I have emergencies that come up. I can not struggle. I dont want to struggle. I asked for payments that would be comfortable but my requests were clearly ignored and now I am up at XXXX feeling stressed, exhausted and defeated. I regret getting student loans because it's become a nightmare I feel I will never awaken from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AR

Complaint narrative:
Jefferson Capital System is attempting to collect a XXXX XXXX debt that was discharged in 2006 bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
`XX/XX/2019 inquiry on credit report, Transunion only, from XXXX/XXXX XXXX XXXX XXXX/XXXX. Notified by XXXX XXXX, when I tried the phone number it was a medical scam company I am concerned about identity theft. Creditor Contact Details are : XXXX/XXXX XXXX XXXX, FL 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