vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 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 recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-01-16 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 recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My Saks Mastercard credit card account has Fraud on it, capital one is refusing to assist me on my account there is Fraud charges on my credit card account, the agents are arguing with me and telling me not to pay my credit card bill and allow it to go delinquent while they complete their fraud investigation i have contacted multiple times about this transaction being fraud and they told me that it takes 2 months to investigate and not pay my bill which in turn will cause my credit card account to become delinquent. this is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 called Equifax to release my security freeze. I had a security freeze due to the Equifax data breech on Equifax, XXXX   and XXXX. I needed to release the security freeze. XXXX, XXXX  released the security freeze with just my SS number and pin. When I called Equifax ( the ones that forced me into a security freeze ) they wanted my last mortgage company and payments ( haven't had a mortgage in 6 years I couldn't answer. So they asked me about credit cards, however, when I told them I couldn't hear them because of all the noise in the background ( sounded like a boiler outfit where everyone was yelling on a phone in the background ) I asked them to transfer me to a manager. They hung up! I think that the girl thought I was having a problem with her accent, but I just couldn't hear her over the noise. Anyway, my complaint is that they just figured they would hang up on me, now I have to call back and go over everything again. They were the ones that caused the problem, now they hang up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX  , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX  , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}

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 non-monetary relief
Consumer complaint received 2020-01-16 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: Westlake Services, LLC
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
XXXX XXXX that is part of bank of America made business decision to close my accounts that benefits them at my expense and liyed to me about what they do and did not keep there promise

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 2020-01-16 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: World Omni Financial Corp.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
XXXX XXXX XXXX XXXX is an account shown as closed on my TransUnion credit report. I have absolutely no previous business with this company. I dont know who this company is. I need this to be deleted and removed from my credit report immediately please.

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 2020-01-16 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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Submit proof of investigation according to FCRA chex systems did not provide need to delete information on credit report.

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 2020-01-16 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:
XXXX XXXX XXXX XXXX is an account shown as closed on my Equifax credit report. I have absolutely no previous business with this company. I dont know who this company is. I need this to be deleted and removed from my credit report immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage 's website does not have the Make a Payment option available. They also do not have a contact phone number on their site to help me talk to a representative to report the issue and make a payment by phone. There are other XXXX reviews regarding the same issue. It appears that they are making it hard to make a payment online to be able to incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
XXXX XXXX XXXX is an account that has reported on my TransUnion credit report XX/XX/2020. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.

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 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Hi my name is XXXX XXXX and a few months ago CFPB and the credit reporting agencies helped me when XXXX the phone company tried to collect a debit. that was fraud it was used in my name from the time I was Under age a kid. for over XXXX dollars. I sent my ID to prove I just turned XXXX so when I was doing my financial aid for school and looking for loans this is how I found out I had a fraud on my name from XXXX CFPB and XXXX helped me and it was removed and I was found to be the victim. XXXX  had opened a frud account for someone when I was under age like XXXX or XXXX. I was cleared. Well Enhanced Recovery put this same fraud account on my credit report. XXXX had deleted it and found me not guilty of this Identity theft. My school counselor and I called XXXX  and they informed us they did no Authorize for Enhanced recovery to put this debt on my credit report and the supervisor stated Enhanced recover purchased all fraud or identity debts and now trying to ruin people and there credit. I was shocked! I don't feel this is legal I just turned XXXX and even XXXX said it was fraud and I'm was well under age. that they also did not have any ID or any contracts signed on file. and that it should be removed again for the 2nd time look at my ID I just turned XXXX in XXXX XXXX said the fraud happened for years before I was XXXX that's why they deleted it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
XXXX is an account that has reported to my TransUnion credit report on XX/XX/2018. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.

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 2020-01-16 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:
XXXX XXXX XXXX. is an account reported on my TransUnion credit report on XX/XX/2018. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There was a XXXX XXXX business account # XXXX XXXX XXXX XXXX that has been deleted XXXX. XXXX 2018 from my personal profile, after confirming & verifying as being a business account. Recently it's been reinserted again with a new account number ending in # XXXX which was the replacement for the original card which was shut down for fraud. Experian was made aware of it and has not yet removed the account.

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 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had applied for a XXXX credit card with Chase and was approved initially. After waiting for almost a month for the card to arrive, they told me my card was closed before I could even receive and activate it. They didnt really disclose their reason as to why they first approved it then closed it due to some internal reasons. I have an excellent credit score and this type of treatment only loses more customers that chase has. I feel like they should be happy to acquire my business and not the other way around. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
I am showing up on my ex-wife 's mortgage that she got after we were divorced on the property that we once we're purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however I am showing up on my ex-wife 's mortgage that she got after we were divorced on a property that we once were purchasing together however I have signed off on the property this is a new mortgage for her and her only but my information shows up on the mortgage account it says that the mortgage started XX/XX/XXXX however my looking at my records she refinanced it in XX/XX/XXXX we have been divorced since XX/XX/XXXX this is really affecting my credit scores my debt to income ratio and causing problems for me to not be able to get a home loan for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I am writing to complain about how interest is calculated to my student loan which isn't how I understood it would be charged when I started repaying. For XXXX I paid {$3800.00} to my loan provider. The interest that was collected for the year is {$2300.00}. which means {$1500.00} went to the principal amount which is currently {$51000.00}. My loan interest rate is 4.5 %. This means that I paid more in interest to the lender than what was applied to my loan. If you do the math, 60.8 % of what I paid for XXXX went to interest. This is far, far more than 4.5 % interest. By the time I finish paying off my loan balance I will have paid almost two times the amount that I borrowed which is not 4.5 %. This is just wrong. Students are misled when it comes to the methods lenders use to collect the absolute maximum amount of interest they can while making it sound like a fair agreement where you pay just 4.5 %. 

Another complaint I have is that I defaulted on my loan thanks to the recession in XXXX where I was unable to find work. When I found employment and was able to start paying again I had to enter into a loan rehabilitation plan in order to start paying back my loan and was charged 18 % of my principle balance just to be able to start paying back my loan. This is just wrong also. 

My last complaint has to do with the school that deceived me also. I was told they were an accredited college and that my credits would transfer to the other colleges and universities. It was my plan to attend college after getting my associated degree to get my engineering degree. When I enrolled I was informed that my credits from XXXX would not transfer to the state XXXX college I was enrolling in and that I would have to take all the classes over again. Not only that, but the school I attended was shut down because of deceptive tactics and other dishonorable methods. 

I feel like I have been totally robbed. It baffles me how young adults are taken advantage of and misled by our educational and lending institutions. This is so wrong and so unfair, and it needs to be correct. If we have to mislead people in order to make huge profits then we are selling a product or a service that has no business being sold. 

When it's all said and done, I will have paid over {$80000.00} for an associates degree from a school that was shut down because they were corrupt. I am truly disappointed with this system and how the people who are keeping this country and economy running competitively are so frequently violated. 

Regretfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TX

Complaint narrative:
Experian is reporting that on my account name XXXX, there were charge-off 's in the amount of {$130.00} occurring on the following dates : XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. The charge-off on XX/XX/XXXX is accurate, however the subsequent charge-off 's are not. I have disputed this with them twice, however they continue to " confirm '' all charge-off 's are accurate. I contacted XXXX and was informed that they themselves have no record of the subsequent charge-off 's, and do not understand why Experian is reporting that information. I was able to get a branch manager to write a letter stating that only the charge-off on XX/XX/XXXX was valid, and all subsequent reported charge-off 's never occurred. I attached this letter to my dispute. Despite this letter, Experian insists on leaving the charge-off 's on my report, and even states that they confirmed this information with XXXX. Again, XXXX has absolutely no record of these extra charge-off 's has stated they did not confirm them, or report them to Experian. It's also worth noting that Experian is the only credit bureau reporting this inaccurate information. XXXX  and XXXX   correctly show the single charge-off occurring on XX/XX/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