vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-30 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: UT

Complaint narrative:
XXXX, XXXX and Equifax are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, XXXX  and Equifax have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX  XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX XXXX. XXXX XXXX. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NE

Complaint narrative:
I have paid Ace cash Express a total of {$1900.00} for a loan and now they are telling me that I need to pay another {$830.00}. I have asked for my money back for a month, they said the only way i can get my money back is by paying {$830.00}. I just want my money back, i need it right away. I am not going to pay more to get my money back, it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OH

Complaint narrative:
A few years ago I had a credit card account with discover, this account was paid off in XXXX and was sitting dormant with a {$0.00} balance. Early XXXX I opened a new credit card account with discover. Then, I received an offer in the mail to upgrade my account to a discover miles account. I figured this was for my current discover card and activated the card. Turns out this was for the dormant account I havent used in years. The reissue was deceptive in nature as its only purpose was for me to use my old account. In no way did I request this reissue and in my opinion a violation of what reg z protects consumers from as this reissue was not necessary. I consider it a reissue since they sent the plastic. The confusion had a negative impact on me as I thought I was paying my credit card balance but I was only paying the ( 1 )  account I thought I had. Now I have a balance on a second account in which Im being charged interest even though I thought I was making payments. The old account did not show on my app and I was set for paperless statements. This account was so old that I created a new log in when I opened the new account, making it impossible to track purchases, balances, and non of my payments were applied to the right purchases so now I have late payments. XXXX used a reissue to a dormant account 24+ for marketing purposes which is both deceptive under UDAAP and a violation of reg z .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I opened a state farm checking account. I did send a check to them for deposit on XX/XX/XXXX. The check was verify that had funds and valid checking account. I checked if state farm recieved check which they did and process through on their end and did send cancelled check to the bank on XX/XX/XXXX. I went to make a bill pay on XX/XX/XXXX and state farm disabled my log in. They had to check with someone and call me back. No explanation. Funds were there one day and not there the next. The check I deposited had funds and is valid into my state farm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: LEXISNEXIS
State: GA

Complaint narrative:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I purchased my home for the amount of XXXX on XX/XX/XXXX. My mortgage has been transferred to over 10 different companies and my last balance statement after 18 years is a balance of XXXX. This means after paying my mortgage for 18 years I have only paid XXXX in principal!! I have only had one modification while on SSI in XX/XX/XXXX. I have tried speaking with the representatives at Selene Finance today and they can not give me any information as to why this is so low. I have also requested financial statements regarding the " corporate advance balance of XXXX on XX/XX/XXXX and as of XX/XX/XXXX, they are unable to explain where these fees have originated from. I feel like living in a home for almost 20 years and having paid the mortgage every month and having only paid less than a 1000.00 in principal is criminal. The following companies have had my loan that I can remember : XXXX XXXX and XXXX XXXX XXXX XXXX Selene Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

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 2019-11-30 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: Innovis
State: GA

Complaint narrative:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACS Education Services
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 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: GA

Complaint narrative:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

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 2019-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I am filing this complaint against SPECIALIZED LOAN SERVICING ( SLS ). This loan has not been paid since XX/XX/XXXX. I hold the warranty deed to this property that the 2nd mortgage is on. It was said to be {$37000.00}. and it had ballooned to {$86000.00}. undisclosed until we went to sell property. I called the third party, the name on the loan, to ask for her to authorize myself and my attorney to speak to this. She provided this information and now they call her daily and ask her when this is going to be paid. my attorney has called and written a letter to SLS asking for an offer in compromise and they will not grant that. The statute of limitation is 6 years in Colorado and it has been 9 years. This loan is on a property in a third party name. I purchased the property while in a Foreclosure Training program that induced me to buy this property as a fix and flip. XXXX XXXX XXXX XXXX, XXXX XXXX, was the seller of the warranty deed. Mr. XXXX took this property fraudulently in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others were sued by the Colorado 's Attorney General in XX/XX/XXXX. 

The Attorney General 's report is listed as ASSURANCE OF DISCONTINUANCE UNDER C.R.S. 6-1-110 ( 2 ) Ms. XXXX XXXX XXXX, Reg. No.XXXX  Senior Assistant Attorney General. Her phone number is XXXX. I will include the letter my attorney sent to Specialized Loan Servicing.

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 2019-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Synchrony Bank Bought PayPal Credit & Close my account for not using it. This knocked 75 POINTS off my 800+ Credit Score!!! Never once was I notified that if I DIDNT use the card in a certain amount of time that they would CLOSE My Account & RUIN My Credit!!! The company REFUSES to Reopen my ace & says that theres NOTHING that they can do about it. I want this blemish removed from my credit score.

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 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX, I spoke to a XXXX XXXX at ( then ) JG Wentworth -- now Freedom Mortgage -- about refinancing. He took my information and, after deciding he could get my mortgage refinanced, told me to apply and that he could get it done by XX/XX/XXXX. I sent all the documents he requested that same day. He did not disclose that AG Wentworth had been taken over by Freedom Mortgage. Had I known that this company was about to be transitioning to new ownership, I would not have applied. I had many choices, as I went through XXXX to find lenders. He chose not to tell me -- I know that he knew of the change because I asked him later, after I found about it from the loan processor when I was informed that she couldn't access all the documents I had e-signed. 

It is now XX/XX/XXXX. This is what we learned : 1. The notary came today, and I was told that there was an escrow fee -- XXXX said when we spoke to him XXXX that there would be no fees. The notary talked to the escrow company, pointing out that there was a credit to be applied, so no fees. The person she spoke to said that that was wrong, and that fees would be applied. 

2. Property taxes, homeowners insurance, and flood insurance were paid by the borrower and not to be included. However, the lender added flood insurance to the mortgage, raising the monthly mortgage. Loan processor didn't inform me of this. No one told me that Freedom Mortgage required this. 

I refused to sign the loan. I'm now searching for another lender, after three months of waiting. I wasted money on an appraisal, unless I can find somewhere that will accept the one they did. 

This loan rep was dishonest. This whole process was like being taken for a ride. Very unprofessional and disreputable.

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 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I called Santander Consumer USA regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30 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: PR

Complaint narrative:
Today, XX/XX/2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used Equifax, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on Equifax, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XX/XX/2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XX/XX/2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XX/XX/2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have an account with XXXX  ( grocery store ) through Comenity Bank. I have fallen on hard times and have tried to contact them several times in regards to my payments and what I can do during this time. No one has resolved this issue for me. Instead, they have changed the contact numbers on my profile without my permission. They have listed my husband 's telephone number and my sister in law 's telephone number. I have never given them this information. They contact my husband several times a day and leave messages with my information regarding my account. I have sent them a letter as of the XXXX of XXXX to stop contacting all telephone numbers and to only send paper mail from now on. I am not sure where they got these telephone numbers from as I only had my telephone number listed when I started the account. They call from Restricted or Unknown numbers and they weren't leaving messages so that I knew who was calling. Now they call from these numbers and leave messages with my information. They do not call my main telephone number anymore as they have changed the number on my profile without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30 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: CA

Complaint narrative:
My credit card accounts with same bank were closed for no reason. Their reason being I have too many new accounts. I have never been late to pay my bills and I have over 800 credit XXXX score. I did not have any balance on them. I feel like Im being discriminated against either for my race or for where I live. And lots of people of my same race have the same issue. I have checked with my friends that arent the same race as me and dont have a long and confusing last name like mine none of them are having the same issue. I know % 100 that I am being discriminated against by citi bank. I am XXXX  national.

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 2019-11-30 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: WA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.

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