vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.

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 2019-06-17 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: HI

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: HI

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX 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 2019-06-17 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: HI

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX   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 2019-06-17 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: MD

Complaint narrative:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo..Remove XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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 am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo XXXX XXXX XXXX XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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 am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-06-17 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: FL

Complaint narrative:
I sent documents to all 3 credit bureaus equifax and transunion fixed it experian just displays the same information that i have a collection and its late i sent the same information over and over for over a year and it was not fixed i sued the apartment company and won it was to be deleted off my credit report but experian is reporting it and making it difficult to find housing for my family the amount is XXXX and im a hurricane irma victim the apartment flooded and got mold and deemed unhabitable by fema i later received a collection i faught in court and won the XXXX cashed the check and never removed it off my credit i disputed with transunion i feel as though they didnt read my letter perhaps looked over the proof the check

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 2019-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this creditor has been posting my payments la e but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX , XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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 am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Remove the account XXXX XXXX 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 2019-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was contacted by TRANSWORLD debt collectors on XX/XX/2019 saying I owed {$7900.00} from the department of veterans affairs, which i know is false I only owe around {$6000.00}, they called saying it was an attempt to collect the debt and i proceeded to talk on the phone with them to see what we can do. they did not understand why I couldn't pay off the full amount at once and then asked if I could pay half right then and there, which I also couldn't do. they then hassled me into paying an amount I can't afford after saying numerous times that I dont have that amount of money. ( around $ XXXX/month ) they said i was on a certain kind of debt owed program and needed to take out as much money a month from me as possible. I've never heard of anything like that before, so I tried to meet them in the middle saying I could pay $ XXXX/month but they still proceeded into hassling me into paying more and will not listen to me and are taking out more than my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: FL

Complaint narrative:
this creditor has been posting my payments XXXX XXXX but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my 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 2019-06-17 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: FL

Complaint narrative:
this creditor has been posting my payments la e but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX , XXXX XXXX XXXX from my 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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I applied for a XXXX XXXX credit builder account on XX/XX/2019 to help build my credit and I was denied. XXXX XXXX gave the name, number and address of XXXX XXXX upon my denial. I went to the Official Site of XXXX XXXX website and ordered my credit report. I received a conformation number and my my disclosure report would be mailed to me in 5 days. I have not received a report. Once I realized the report was taking quite long. I sent XXXX XXXX a certified letter alerting them that I requested my report on XX/XX/2019 as of at the time XX/XX/2019. My letter was received on XX/XX/2019 and I still have not received my report. In my letter they were also aware that I would contact the C.P.F.B and my letter was still ignored.

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 2019-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
The XXXX branch of HSBC are using " Family Linking '' to link up to 4 immediate family members so that all can receive Premier banking status. 

What HSBC XXXX does not disclose is that every time a software upgrade occurs these links get severed causing your family members to be charged a {$50.00} a month fee. 

After many phone calls with HSBC and speaking with other branches, it was found out that this feature should never be used as it will cause unwanted fees in the future. The only safe way to associate accounts is through joint accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery received a 93A Demand notice from me XX/XX/2019 ( attached for your records ). In response they agreed to remove their illegal collection listing from my credit bureaus in XX/XX/2019. Proof attached. They have re-added the account to my credit bureaus in violation of the FCRA and FDCPA. I have contacted them repeatedly regarding this issue in writing via certified mail. They refuse to reply or remove their listing. Under both federal and state law they are required to remove this listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
PHH KEEPS REPORTING ME 30 DAYS LATE WHEN THEY ARE HOLDING ONE OF PAYMENTS IN SUSPENSE AND THEY ARE TELLING ME THAT I NEED TO MAKE A PAYMENT AND TO BRING MY LOAN CURRENT IN ORDER FOR THEM TO APPLY MY PAYMENT THAT THEY ARE HOLDING IN SUSPENSE. THEY DON'T SEEM TO UNDERSTAND THAT MY LOAN WOULD BE CURRENT IF THEY APPLIED THAT PAYMENT CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i hvae been an american express customer many years.On XXXX i spent 8 hours on the phone with home depot trying to order a stove they hung up on me cursed, transferred me to people who did not help me it cost me a day of work. and much upset. ihave disputed only XXXX of the purchase for those reasons and for reasons related to a problem they still have yet to respond on. i think i have a right to dispute the whole thing based on my rights and overall experience. It should not be taking so long to dispute this. i disputed it XX/XX/XXXX usually it takes 4 weeks they are not responding. its not fair i dont have the available credit. even if they respondi will too they gave me XXXX dollars off at the time that is not enough to compensate me. 
Please dont tell me what i have heard i am not being charged for it i want a permanent credit and the available credit restored its been 6 weeks usually it takes 4 weeks i know the law. please resolve this matter in my favor if they were goig to answer they would have this is on my business plus card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
On XX/XX/2019 we requested payoff of the loan for a home closing. We did not receive the pay off until XX/XX/XXXX. The pay off was dated XX/XX/XXXX meaning there was 10 days of additional interest paid to the loan company. As well, 3 days after the payoff check was received another {$1100.00} mortgage payment was withdrawn from bank account. This is very frustrating that my account information is not updated on the system clearly for the representatives to see. For instance they did not have record of my updated bankruptcy attorney. The process was drawn out and tedious costing me additional money and time.

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 2019-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
This collection account opened on XX/XX/XXXX but is reported a as a joint account with XXXX XXXX who is my deceased husband. I did not go on this as a joint nor should this account be reporting to my name at all. According to the XXXX report, the balance was {$14000.00}. The balance is shown on XXXX  to be {$4600.00} as of XX/XX/XXXX. It is on my credit report as a Account charged off. {$4600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
This is not my financial obligation. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My property tax has never been paid from the XX/XX/2019 deadline. In addition, my last property tax payment was very late. The tardiness is causing my account to incur interest. I've asked that my company pay my bill and ensure there are no more missed or late payments. This is unacceptable and I am tired of contacting the company for the same issue every quarter. The local tax collector has assured me that the mortgage company has everything they need to make payments in a timely manner.

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I got an email at XXXX on a Sunday evening telling me I have a message. First I have to call to find out where the message center is. Apparently it's hidden under Services - Statements and Documents - view E-communications. Then I have to call back because it's a message telling to call but not why. 

" We're missing some important information Hi, XXXX. We've received your inquiry on your Citi Double Cash Mastercard account. We need more information from you before we can look into your question.  Please call us at XXXX ( TTY/TDD : XXXX for hearing and speech impaired services only ) or go to citicards.com to provide more information. '' Fight through you voice mail system again only to be told they don't what it's about either but I should probably call back tomorrow. 

I called back the next day and they still do not know what was sent or why. 

It should not take much intelligence to know that if you are going to ask a customer to call without telling them why it would be a good idea to place an alert on their account so the call is routed to the right person. 

I have spoken with 6 people with Citi regarding this matter and every person I speak with gives me a different story.

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 2019-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Big Picture Loans, LLC
State: TN

Complaint narrative:
Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX 2015 LOAN IN THE AMOUNT OF {$600.00}. THEY ARE LEAVING THREATENING MESSAGES ON MY DAUGHTER PHONE AS WELL AS MY WORK PHONE NUMBER. TELLING ME THAT I WILL BE GARNISHED FOR {$3000.00} DOLLARS. 

THESE PEOPLE HAVE TOLD ME THAT I WILL BE HAVING MY WAGES GARNISHED AND HAVE TO DO COMMUNITY SERVICE. ALSO TRIED TO MAKE A PAYMENT PLAN WITH THEM BUT THEY WANTED MY BANK INFORMATION AND TOLD ME IF I DIDN'T GIVE THEM THE INFORMATION RIGHT THEN THAT THEY WOULD PROCEED WITH THE GARNISHMENT. TOLD ME THAT THEY WOULD COME TO MY JOB AND NOW XXXX IS ACTING LIKE SHE IS CALLING FROM THE COUNTY CLERK OFFICE LEAVING ME THIS NUMBER XXXX. 

IF YOU DON'T SAY WHAT THEY WANT TO HEAR THEY WILL HANG UP ON YOUR IMMEDIATELY. ALSO I WAS NEVER INFORMED OF THE 850 % INTEREST RATE OF THE LOAN. I WAS TOLD THERE WOULD BE A {$120.00} FINANCE CHARGE. I WAS UNABLE TO VIEW THE " TRUTH IN LENDING '' DISCLOSURE UNTIL AFTER MY LOAN HAD BEEN PROCESSED AND FUNDS DELIVERED TO MY ACCOUNT. THIS IS ILLEGAL AND REMEMBER, THEIR CLAIM THAT THEY IMMUNE TO THE LAWS OF THE FEDERAL GOVERNMENT IS TOTALLY FALSE.

Company response to consumer: Closed with explanation