vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXXXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
in XX/XX/XXXX I refinanced my primary mortgage. Loancare, who holds several mortgage loans for me, was the original servicer of my new loan. Account # XXXX was established and for two months I paid my payments to them. 

Then on XX/XX/XXXX LoanCare transferred my loan to XXXX XXXX Loans, and instructed me to make my payments to XXXX home loans and refused to accept any further payments from me. 

I began making my payments to XXXX, however on XX/XX/XXXX I applied for a mortgage for a new property and was advised that LOANCARE is reporting a 30 day late payment for XX/XX/XXXX, WELL after they transferred the loan and were no longer servicing it. This caused a credit score to drop 100 points for my wife and I and we are in danger of losing this great opportunity to buy. I have been unable to contact LOANCARE, or receive a call back from them after numerous attempts to contact them. This has to be an error, as XXXX  does not report any late payments but XXXX  and XXXX  are reporting the late. I need LOANCARE to retract any negative credit reporting ASAP.

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 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NE

Complaint narrative:
I originally submitted a dispute because a collection agency kept calling me for an account but would refuse to give me any information because they couldn't verify my full name, SSN, address, and or date of birth. After requesting a Validation of debt letter and not receiving anything in response I submitted a dispute with the CFPB. They finally responded by sending me a bill with another persons name which is similar to mine but not me and a different address that I have never resided at. I contacted the original merchant of debt and was informed that the account the collections agency is trying to charge me for is not affiliated with my full name, nor SSN, nor address, nor date of birth so they weren't sure why the collections agency was trying to charge me for an account that did not belong to me. Once again this is not my account but belongs to a person with a similar enough name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: MOHELA
State: FL

Complaint narrative:
I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 been a Victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have been a Victim of Identity Theft

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX   refused to correct the account information. Instead, XXXX  entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to Experian disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Experian refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX  credit report shows that the XXXX and XXXX accounts were both included in bankruptcy

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 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}

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 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}

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 2020-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
We started our VA home streamline refinance back in XXXX and ran into all sorts of issues with being able to get in contact with anyone at freedom mortgage or inspire closing through email or phone. Documents were lost and they had to extend our rate lock on our loan because we were going to exceed the 45 day closing requirement and on the day of closing the notary called and cancelled our closing 30 minutes prior to the closing time. 

XX/XX/202 - received documents to sign our new loan XX/XX/2020 - received an email from freedom requiring our previous divorce decrees and marriage certificate because they were not on file - even though we were already financed with them and this was on file from our original loan XX/XX/XXXX, & XX/XX/2020 - we received an email stating we needed to mail off the POA to XXXX for closing, later that day freedom mortgage said we needed to keep the original for the notary during signing. 
XX/XX/2020 - requested to send our divorce decrees and marriage cert again XX/XX/2020 - requested to send a divorce property settlement form from my previous divorce - not needed because i was divorced 3 years prior to the purchase of this house - requesting unnecessary documents. 
XX/XX/2020 - received an email from freedom mortgage asking to email a copy o the POA because they did not have it on file. 
XX/XX/2020 - received an email from freedom mortgage stating there is an issue with closing and XXXX and for us to call them as soon as possible - our lock rate needed to be extended for the loan at this time because we were over the 45 days for signing. 
XX/XX/2020 - received an email from Freedom mortgage that they have not received our closing documents yet ( closing date scheduled for XX/XX/2020 ) XX/XX/2020 - emailed freedom mortgage that we have not received our closing documents XX/XX/2020 ( XXXX EST ) from notary for XXXX closing that they have to cancel our closing today 30 minutes prior to our closing XX/XX/2020 - called Freedom mortgage to file a complaint and talked to the loan officer.  no progress was made, i was told they would look into it and do not know why the notary cancelled the appointment XX/XX/2020 ( XXXX EST ) Freedom mortgage called saying title is trying to hire a new notary to complete our signing today.

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 2020-05-05 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}

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 2020-05-05 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}

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 2020-05-05 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: MI

Complaint narrative:
I called Experian over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.

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 2020-05-05 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: MI

Complaint narrative:
I called XXXX  over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank debited my checking account for 2 fraudulent checks. The checks were ( A ) dated over two years old ( B ) were already paid by Citibank two years ago ( C ) The checks were made out to the same person. The 2 checks actually have the same check number! Citibank paid it twice. Citibank 's response is that I must contact the payee who is unknown 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 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
Bridge Bank/Western Alliance Bank/Torrey Pines Bank ( they have so many names I've lost track! ) funded a small business loan plus line of credit. We've been requesting a forbearance/deferment/flexibility given the pandemic and our inability to service our current loans with them right now. Our business has been impacted by 90 %. We've been trying to work with them since the second week of XXXX, however, they've REFUSED to help us during this time. We've been struggling to make our payments in general and continue to have a hard time. Given we're over a month late making our payments at this time, they have THREATENED US and stated they WILL PURSUE FURTHER ACTION AGAINST US. This was stated by a Vice President, XXXX XXXX, of their company which is totally unacceptable. They have issued numerous late fees, etc., and continue to threaten us rather than help us. Thanks in advance for your attention to our matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.

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 2020-05-05 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'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
This complaint is based on violations of the FDCPA by this debt collector, Convergent Outsourcing ( Convergent ). 

___ On XX/XX/2020, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2020, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ XX/XX/2020, I disputed the account thru the credit reporting agencies. 

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector mailed me their purported validation of debt. However, they falsely back-dated their letter inside that envelope as if that letter was written/mailed on XX/XX/XXXX ( before they " verified '' the account to the credit bureaus ). I have attached a copy of the envelope which was stamped by the US Postal Service proving this was mailed XX/XX/XXXX, no where near the date of XX/XX/XXXX. I have also attached their falsely back-dated cover letter.

___ This debt collector falsely back-dated their letter to conceal their  illegal behavior of verifying the account to the credit bureaus before they validated the debt. 

___Based on the aforementioned facts ( and supported by the attached proof ), Convergent engaged in following violations of the Fair Debt Collections Practices Act : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying/updating the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ).

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt when they falsely back-dated their letter.

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt when they falsely back-dated their letter.

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