vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
Equifax obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: FL

Complaint narrative:
I have never used my credit before, meaning Ive never had an actual score. I went to check my score a few days ago and realized that I actually had something there yet it was not familiar to me. I have never had an account with XXXX and they have no trace of me owing them anything. There is an inquiry that I have an outstanding balance of XXXX $ with them and I would like to remove it. However, when I try to dispute the claim they just send me back and forth from online to over the phone until I give up. It is not fair that my first credit score was based on a false inquiry.

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 2019-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
DearCFPB,Finallyafter2yoursoftryingtofinalizedmyloanmodificationthanktoyourinterventiontheyfinalizeditthismonth.NowthenewissueisthatontheirsystemshowsthatimissedapaymentbackonXX/XX/2018thatisnotaccurate.IhavebeendiligentlymakemypaymentsincemyloanmodificationapprovalabackonXX/XX/2018.

attachedisproofofallmypaymentsnowthatinaccurateinformationisonmycreditreport.

IhavesendanddiscussedmypaymentswithHomepoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA continues to robocall me after they repossessed my car and stole my personal property in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MI

Complaint narrative:
I have disputed this account several times and the results on XX/XX/19 came back that XXXX  and the company deleted this account from my credit report. Now this company is back reporting it after deletion how can I get this resolved? I do not owe this and this company sent me paperwork with false signatures on it. I want help to keep this account deleted this is unfair collection acts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am making a complaint against this collector for reporting an inaccurate information on my credit report and this collector failed to respond 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 2019-07-29 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: CA

Complaint narrative:
XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.

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 2019-07-29 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: CA

Complaint narrative:
XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX  XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My bank closed my account when I deposited a check on XX/XX/2019 after calling them multiple times they were very rude and aggressive to me, I never thought SunTrust bank would have been so nasty to anyone.

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 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Unbeknownst to me my original mortgage company, XXXX, turned servicing of my loan over to " Myloancare.com During the transition the last half property taxes were not paid. 
The new loan company apparently paid them and assumed that the tax rate had doubled and added more than 200 dollars per month to my payment. The taxes have not changed. 
I sent them copies of the XXXX County Ohio tax records that show the correct payment but I've had no response other than from their collection department. I have paid the actual amount of the payment due and told them, via email, that I would reimburse them for the taxes they paid or assume the escrow account on my own but no response. On my initial call I asked if I would be reimbursed the overpayment once they figured out their error and they said no. Now the only contact I have from them is threatening to foreclose on my property.

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 2019-07-29 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: IL

Complaint narrative:
On XX/XX/2019, I initiated a SIMPLE dispute with Transunion regarding an incorrect credit card balance from XXXX. 

Since that time, 6 ERRONEOUS new hard credit inquiries have shown up on my Transunion credit report, dropping my credit score down to XXXX. Transunion will NOT process a new dispute on the FALSE inquiries until they are done researching my initial dispute of XX/XX/2019. It is now XXXX XXXX! This is damaging my creditworthiness. 

Furthermore, I have a medical emergency and asked for a credit increase with my XXXX XXXX account to cover medical costs. XXXX XXXX DENIED the increase based on other incorrect Transunion information on my report! ( Serious delinquency AND public record or collection filed in addition to Too few accounts currently paid as agreed! ALL of my accounts are paid on time!!! 
Please see the attached email from 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
Consumer complaint received 2019-07-29 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: Capio Partners, LLC
State: IL

Complaint narrative:
Basically, my name is XXXX XXXX XXXX XXXX My fathers name is XXXX XXXX XXXX My father had a XXXX XX/XX/XXXX and has been recovering every since.During his recovery he received anesthesia from XXXX XXXX of Illinois who billed him {$5400.00} but instead they billed me the balance. I was unaware of this and this should not have happened because we have different socials, addresses, birth dates etc. Since that point they gave the bill to a collection company called XXXX XXXX and now its been on my credit since XX/XX/2019. It has effected my credit drastically and I've been declined for numerous lines of credit and the refinancing of my vehicle and its stopped me from starting my own business and moving into a new house. I've reached out to capio but its still in limbo. I feel this is illegal and it blatant defamation and all parties involved should be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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 ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.

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 2019-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got an alert of a new address tied to a closed account alert from Experian. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called EXPERIAN several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.

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 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC
State: IL

Complaint narrative:
I initially took out a loan with XXXX XXXX ( QC Financial Services Inc. ) for {$400.00} on XX/XX/2019. On XX/XX/19, I called the business to request a payoff amount, as I wanted to pay off the loan. The person on the phone quoted to me the amount of {$340.00}. I then made arrangements to pay that amount by phone. As they had stated to me that they do not mail out receipts, I considered our business done.

On XX/XX/2019, I received a phone call from XXXX XXXX requesting a payment. I was shocked, and stated so, because I had been given the impression that my loan was paid off. I informed the caller that I had paid the loan off in XX/XX/XXXX. I asked them why I would have paid the amount that I had paid if I did not intend to pay the loan off. They constantly repeated that there is no way of knowing why I paid the amount of {$340.00}. During the course of my phone calls with staff and the manager, no one with the company admitted to any mistake or took any responsibility. The attitude of staff and the manager was not helpful at all. After several phone calls, I was told that I still owed {$130.00}, and that the amount would increase if I did not pay the amount THAT DAY, which I did.

So in essence, my payoff amount was initially misquoted by a company employee ( which is bad enough ), but that employee 's mistake has also cost me an additional {$57.00} in 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 monetary relief
Consumer complaint received 2019-07-29 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 ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE XXXX DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.

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 2019-07-29 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 ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY EQUIFAX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am making a complaint against this collector for reporting an inaccurate information on my credit report and this collector failed to respond 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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am making a complaint against this collector for reporting an inaccurate information on my credit report and this collector failed to respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXXXXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX  obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation
State: GA

Complaint narrative:
This letter is to formally inform you that I have been attempting to cancel my membership with XXXX XXXX XXXX of XXXX since XX/XX/XXXX due to having a medical emergency a XXXX and recurring XXXX. I was on XXXX for over 8 months my XXXX  would not allow me to drive and I was also on unpaid XXXX. I spoke with Master XXXX in XX/XX/XXXX he said he couldnt cancel the contract and would provide 2 free months that I could use. I explained to him that I couldnt drive my daughter to the classes. My daughter taking Marital Arts is not an immediate need like food, clothing and shelter and under the circumstances my contract should have been canceled it is not a necessity to survive. 
According to the terms and conditions in the contract, I may cancel without paying the full yearly dues if my physical condition does not allow me to use the membership. Up until my XXXX my daughter enjoyed my attending XXXX XXXX XXXX. 
I request a written confirmation from you that my membership in XXXX XXXX XXXX of XXXX is cancelled and that I dont owe in membership in rear. Thank you for processing my cancellation in a timely manner. 

I last paid XXXX of XXXX Start of contract of 18 month contract XX/XX/XXXX Affiliated Acceptance Corp says I owe from XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX The company and original debtor XXXX XXXX XXXX have refused to cancel membership due to my medical emergency and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED COMMUNITY BANK
State: NH

Complaint narrative:
XX/XX/XXXX I made two purchases online : XXXX XXXX   XXXX MD XXXX XXXX XXXX   XXXX MD XXXX The coins I got were fake. I contacted the seller he never responded. I mailed them back. This bank has basically said so far that I either knew they were fake coins and I didn't send them back I'm not sure where they're coming from in their refusal. I guess they don't believe me and that is unacceptable. The complaints will go on until this is completely investigated.

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