vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: TX

Complaint narrative:
On XX/XX/20 Equifax received a letter from me requesting documentation of the following items they are reporting on my credit : XXXX XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX  # XXXX At the same time, I also requesting thus documentation from the creditor. On XX/XX/20, I received an email stating the accounts were verified but no documentation was sent. 

XX/XX/20 I placed a call to Equifax in an attempt to still locate the documentation. The agent informed me that they have also requested documentation but have not received it however, they will still report this on my credit. I asked to be transferred to a supervisor, and I was transferred to " XXXX  '' agent # XXXX. Supervisor XXXX  was very rude and rushed me off the phone hanging up in my face, unconcerned. I placed another call to which I was connected to agent XXXX XXXX. I asked XXXX to transfer me to a US agent and he said he couldn't because of the system and also hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is the letter I sent to Syncrony bankXXXX My name is ... .... and I need to bring up to your attention a consumer issue that I struggle with. 
In XX/XX/XXXX my ex-husband ... ... ... ... ... bought a XXXX XXXX XXXX  and I ( ... ... ... ... ... ) had to co-sign the contract ; he used to pay the monthly bills in time ; I never took care of it, never used the credit card ; Last year on XX/XX/XXXX we got divorced and the Final Judgement of Divorce stipulates that he is responsible for monthly payments on XXXX XXXX/Syncrony bank credit till is paid off. With that occasion my last name has been changed to ... ; He continued to pay it monthly, until on XX/XX/XXXX when he passed away ; On XX/XX/XXXX the attorney of estate contacted XXXX  XXXX/Syncron bank to notify them about .... ; later on, the attorney of estate informed me that I have to contact XXXX XXXX/Syncrony bank ; On XX/XX/XXXX, I called XXXX XXXXSyncrony bank and explained my situation the divorce agreement, the fact that I live in a different place, I cant afford to pay anything ( I barely pay my rent ), the bed remained in the house where he lived, I dont use it etc ; they said that Im responsible for the balance of the contract On XX/XX/XXXX, I called again Syncrony bank and I was informed that my name has been removed from the contract and should I not be worry about it ; all conversations are recorded so, it must have been a prove of what the representative told me ; After a while, couple weeks, I started to receive alerts thru Credit wise, saying that Im in default with XXXX  XXXX/Syncrony bank payments ; at the end, my credit score dropped off from XXXX to XXXX ; Thats being said I ask for your help - Im not able to pay any money towards the bed, my monthly income is {$2300.00}, I will have hard time to rebuild my credit, because of this huge burden. Also, I have to help my daughter who is in college in ... ... and to cover our monthly expenses. 
I enclose a copy of Final Judgement of divorce and a copy of the invoice that I received by mail on XX/XX/XXXX. 
Thank you so much for your consideration, Best regards, ... ... 

The amount credited in XXXX, XXXX by Syncrony bank was {$8000.00}. On XX/XX/XXXX the amount due was {$2200.00} ; now the amount is {$2300.00} including late fees and interest. 
Thank you for your consideration! 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am trying to transfer my fiance 's credit card balances to my credit card. His bank is Barclays. We need his account number to proceed. We no longer have the cards ( they were locked when he underwent XXXX XXXX and was no longer able to pay regularly ), so we don't have the account number. 

I called their customer service number last week and waited on hold for over 2.5 hours before giving up. I called again this morning promptly at XXXX, got disconnected after about half an hour, and am currently on hold going on 1.5 hours. 

I also contacted them via XXXX, and nothing. 

It seems unfair that they can prevent me from getting the info I need to transfer the balance, and then continue to charge me interest and fees.

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 2020-04-20 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:
I recently checked my credit report and found several accounts that were not mine. I am not sure if my information was stolen but I reached out to the credit bureaus and even the companies that were not mine but with no luck. I wrote letters and submitted documents to prove the accounts were not mine but the accounts are remaining. I also filed a complaint with the Federal Trade Commission but I am getting no resolution. I am listing the accounts below Account : Dates : Amount : Account : Dates : Amount : Account : Dates : Amount : Account : XXXX XXXX Dates:XX/XX/XXXXAmount : {$720.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$1500.00} Account : XXXX XXXX  Dates:XX/XX/XXXXAmount : {$8700.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount : {$100.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$30000.00} Account : XXXX XXXX Dates:XXXX Amount XXXX {$29000.00} Account : XXXX XXXX Dates:XXXX Amount : {$40000.00} AccountXXXX XXXX XXXX A DatesXXXX  Amount : {$1500.00} Account:09 XXXX XXXX XXXX XXXX XXXX   Dates:XX/XX/XXXXAmount : {$12000.00} Account : Dates XXXX Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi guys from CFPB. 
Please send the following documents to Capital One Bank. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 2 accounts with Bank of America that were hacked into. {$980.00} was robbed from my checking account and {$2400.00} was robbed from my savings account. Both were fraudulent XXXX transfers to a XXXX XXXX. Bank of America had no business tranferring such large sums of money to such a dubious account. When I tried to resolve the problem with Bank of America typical hold times are 2 hours, and their initial response was to decline my claim. {$3400.00} is a huge amount of money for me as my only source of income is social security and a part-time job 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 monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I spoke with a representative from AMSHER collection agency they violated the state laws about the call being monitored or recorded when two new people came on the line and they provided wrong information in regards to the account when I was given information from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted my Employment Certification Form on XX/XX/2020 and have emailed the company repeatedly for a a status regarding a count on my payments. 

While I understand what is going on in the world right now with worker shortages, getting a status from this company has always been an issue regardless of COVID-19. 

This morning I received an email from " XXXX '' telling me that they received my form on XX/XX/2020 with no other information while not answering my question. 
This company has always had poor customer service. I am tired of having to email constantly for updates as well as the long turn-around times. I shouldn't have to file complaints with the CFPB for basic customer service. The turnaround time is 14 days pursuant to Fedloan Servicing 's agreement with the Federal Government. I am not sure why it is so hard to get any answer out of these folks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I was approved for XXXX XXXX XXXX  Credit Cards in XXXX and XXXX. I fulfilled all the terms of the offer and received my bonus miles in my XXXX  account. Soon after this, XXXX  terminated my account and confiscated those miles citing " accrual of ineligible XXXX  miles and benefits ''. They also claim " These actions specifically involve abuse of the XXXX  XXXX  through gaming behavior, used to circumvent the Citibank/XXXX card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/XXXX card promotional bonus offer terms and conditions, as well as at the top of each application page. '' However none of the card I applied for contained this language. When I called Citi directly they told me that I need to talk to XXXX XXXX ; however, when I call XXXX XXXX they won't listen when I tell them that I fulfilled the terms of the offers correctly. I would like Citi to either provide me with a monetary equivalent of the miles that were confiscated or work with XXXX to reinstate my account and miles. My XXXX  account number is XXXX. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: VA

Complaint narrative:
A judgement was filed against me in XXXX XXXX, Virginia by an attorney XXXX, XXXX XXXX XXXX in Maryland on behalf of XXXX XXXX XXXX. THIS JUDGEMENT DOES NOT BELONG TO ME!! 

The judgement shows up on my TransUnion credit report. in the amount of {$11000.00}. THIS JUDGEMENT HAS BEEN ON MY CREDIT REPORT SINCE 2018. I DID NOT KNOW IT WAS THERE UNTIL APPLYING FOR A MORTGAGE. IT IS POSSIBLE THIS JUDGEMENT PREVENTED ME FROM OBTAINING OTHER CREDIT AND A GOOD DISCOUNT ON CAR INSURANCE. MY EMPLOYER MAY HAVE SEEN THIS JUDGEMENT. 
I HAVE PERFECT CREDIT AND HAVE NEVER HAD A JUDGEMENT OR ANY OTHER TYPE OF NEGATIVE CREDIT IN MY ADULT LIFE. 

After obtaining the details of the JUDGEMENT with XXXX XXXX Government IT WAS CONFIRMED THAT THIS IS NOT MY DEBT ... and I am not the DEBTOR CONFIRMED AND IDENTIFIED by my official birthdate and legal name. IT WAS STATED THAT I WAS SERVED WITH A WARRANT AND REQUIRED TO APPEAR IN COURT!!! THIS NEVER HAPPENED!! I HAD ABSOLUTELY NO KNOWLEDGE OF THIS UNTIL VIEWING THE CIVIL CASE DETAILS WITH XXXX XXXX GOVERNMENT!!! 

I HAVE TRIED TIRELESSLY TO REACH THE LAW FIRM OF XXXX, XXXX XXXX  XXXX TO RETRACT THIS JUDGEMENT WITH NO REPLY. THIS LAWFIRM ERRONOUSLY FILED THIS JUDGEMENT WITHOUT VERIFYING PERSONAL DETAILS OF THE DEBTOR.

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 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
My previous mortgage company was XXXX XXXX XXXX. In XX/XX/XXXX, I received a generic letter stating that the loan was being transferred to Rushmore Lending, that is all the letter contained. I contacted Rushmore and explained that a third party ( XXXX XXXX ) was making mortgage payments on my behalf. I was  told that nothing could be done at that time due to not having a full transfer and an account number. I was assured that once an account was established I would have sufficient time ( three months ) to get back on track. 

I contacted Rushmore in XXXX, they still did not have an account number. XX/XX/XXXX, I was contacted for payment from Rushmore. I explained again about the third party payments and asked for an account number. I contacted XXXX XXXX  provided them with the account number and they reached out to Rushmore for the amount needed to bring the account current. I followed up with XXXX XXXX  at the beginning of XXXX and was told that Rushmore had not responded to their request. During this time I have received multiple phone calls, at least two packets of foreclosure documents and recently ( XX/XX/XXXX ), a representative left blank debt paperwork on my front door ( violating the Governor 's Executive Order ). I contacted Rushmore Lending ( XX/XX/XXXX ) about the harassment and they did not deny it. I demanded that they stop. 

XXXX XXXX  has paid Rushmore Lending dated {$1900.00} for the months of XXXX. Regular payments in the amount of {$650.00} will begin XX/XX/XXXX. 

The following is a copy of the email that was sent to me from XXXX XXXX. I can submit the original email if I am provided an email account to send it to. 

XXXX  Important Notice Inbox hhfcustomerservice XX/XX/XXXX, XXXX XXXX  to me The Illinois XXXX XXXX XXXX. 

This is to notify you that your Servicing transfer is complete and that XXXX  resumed making mortgage payments on your behalf. 

Reinstatement Payment : {$1900.00} Date : XX/XX/XXXX Monthly Mortgage Payment : {$650.00} Date : XX/XX/XXXX *Estimated Final Assistance Payment Date : XX/XX/XXXX A program conclusion notice will be sent in the mail after the last payment is made. You are responsible for your mortgage payments after the Final Assistance Payment Date. Effective, XX/XX/XXXX resume-making payments to your servicer. 

XXXX-Customer Service XXXX My account is current, but they continue to harass me. This is unacceptable and I need it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CORELOGIC INC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.

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 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
As per the court agreement dated XX/XX/XXXX we agreed to pay {$100.00} per month toward a total of {$12000.00} which included the principle amount {$11000.00}, interest {$87.00} and court costs of {$360.00}. This total amount is for a medical bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I now find out that the collection agency, Lotane & Associates PA of XXXX Fl, have been adding interest to this amount. This is against the order of the court. I've tried several times to get a fee statement balance from Lotane & Associate but have not been able to acquire one until today via email showing this interest in question. We have been paying the agreed {$100.00} amount with automatic payments from our bank account without incident until XX/XX/XXXX when our Bank account was compromised. We immediately closed that account and opened a new account with another bank. Immediately we set up automatic payment to send {$100.00} per month to Lotane & Assoc via our new account. We started receiving letters from Lotane & Assoc saying our payment checks had insufficient funds. Upon checking with the new account the payments went through without a problem. Finally after 2 months of trying to deal with Lotane & Assoc I went to the old bank. Apparently the old bank did not stop the automatic payments when we closed the account. I obtained a document from the bank claiming total responsibility for the errors and sent it via email to Lotane & Assoc. I thought all was well until they started sending me the un-cashed checks from my new bank account saying they would not accept them due to having too many NSF checks issues. Again, the other bank took responsibility for this problem but Lotane & Assoc did not budge. So I had to start paying the bill via their webpage. This is where i discovered the amount due was incorrect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX has illegally reported a alleged debt to Trans Union and XXXX  that I requested for them to send back to the original creditor. XXXX XXXX  was made aware there was fraud and identity theft and negligently brother the law and reported the debt to the credit bureaus. They have violated my rights under FCRA section 623 ( a ) ( 2 ) as they were informed there was identity theft and fraud and reported data to the credit bureaus as 100 % accurate anyways which is a major violation. The original creditor has failed to retrieve the XXXX XXXX police reports XXXX, XXXX, XXXX including not contacting the detective XXXX XXXX on the case.

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