vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so 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 explanation
Consumer complaint received 2020-09-29 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-09-29 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX was paid 2013 and still on my credit report I need this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: IL

Complaint narrative:
I have had an active child support case since XXXX, in XXXX my son turned XXXX, I had no idea I would still need the card and that I would get back child support on the card. I threw this card away back in XXXX. I have had some back child support sent to this card I was told and the card members say that I cant get my money since I dont have the card and they cant issue me a new one or anything, so where did this money go as the child support department says they no longer have the money that it was sent to this card!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a resident of texas. I lived in apartment name The XXXX XXXX  / XXXX on XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. I lived from XX/XX/XXXX to XX/XX/XXXX. When i was moving out I made sure from apartment leasing office regarding my last rent due and paid them via money order. I also gave them my forwarding address to send any notices and my security deposit. Instead of sending me a notice of whats due and they even kept my security deposit. they send my balance due to collection agency located in Georgia without even giving me a call or giving me a notice. I also called apartment to find out what is due exactly. the manager didnt want to talk or call me back. I also reported the landlord to texas  attorney general office regarding their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was unable to get my debt resolved and I have told them and the original creditor my identity was stolen and they do not care and fail to acknowledge it as a debt that is not mine. The amount with interest is over XXXX $ but I would only owe XXXX $ if that due to charges that were mine. They would not show me signatures of things that are not mine and proof that the transactions were mine. When they should easily have been able to do this. I mean it is not hard to send it all by mail upon request. They even demanded I took a loan out for XXXX $ dollars and said they would sue me if I did not. When they have received multiple communications about this in the past from me and so did the original creditor. Which was Citibank

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Tally Technologies
State: CO

Complaint narrative:
Roughly 2 years ago, I signed up with a company called Tally to chip away at some credit debt I'd racked up in college. The first round was successful and I paid everything off in full. I thought I was done with Tally as everything has been paid off ... ... 

About a year and a half later, I had some more credit card debt I was getting ready to enroll in a similar company ( they were offering a better service for CC debt repayment than Tally ). 

Before I could enroll my CC debt with my chosen company, Tally AUTO-DRAFTED 100 % of my personal CC debt from my bank account into an account with them! ( Without my active permission of course. ) Since then, I've been actively trying to get Tally to REVERSE the enrollment so I can handle my CC debt on my own terms ... 

I've contacted my bank, I've contacted Tally 10 's of times, even my chosen debt relief company to see if they can intervene somehowall to no avail. 

The worst part is, over the past 6 months of actively trying to get this resolved, Tally has been reporting negatively on my credit!!!

I have more than 9 late payments and 4 negative marks on my credit due to Tally NOT AGREEING TO REVERSE THEIR AUTO ENROLLMENT AND REFUSING TO ADDRESS MY SUPPORT REQUESTS!!! 

It's been incredibly frustrating and of course the damage to my personal credit score has been detrimental ... Hoping to come to a resolution here ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
Mid America Mortgage failed to disburse surplus escrow funds in the 20 days required by " XXXX Timely escrow payments and treatment of escrow account balances. '' upon payment in full of the loan. Multiple attempts were made to request additional information about the process and only upon threatening to raise the issue to authorities did the servicer make any noticeable attempt to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so 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 explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere.

The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees.

I attached the screenshot of my payments. The fee of is on the same day I submitted payment.
Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XX/XX/20 I returned a missed call from Gulf Coast collection bureau and the representative said he does not know why i keep receiving automatic calls. He said I have no outstanding dept. I asked him to please remove me from automatic call list and I still keep receiving call daily from this company and it is always a robo call and not a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
The past several weeks PayPal has refused to transfer money in my PayPal to my bank. They have no problem receiving money but won't release money. I've repeatedly both called and texted there customer service dept rather than allowing me to speak or chat with an agent they email me a link to there index of ( so called ) solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for an FHA loan with Fifth Third bank the bank indicated I was the denied due to an error with the appraisal value which not accurate. FHA guidelines you must submit the lower appraisal on a flip property if the value amount come back 5 % higher or lower. My appraisal amount was {$79000.00} and {$79000.00} which either appraisal wouldnt made a difference to be FHA insured. The program I went through was the Key to Own homeownership to get the mortgage loan you must be FHA insured to close on the loan the bank knew before closing I wasnt FHA insured. Fifth third bank are responsible for lender Liability mortgage fraud with their practices of predatory lending. Im asking the bank to free and clear the remaining loan amount or Ill take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
account was paid this should not be on my credit reoprt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid this company back in XX/XX/2006 this still on my credit report I need this off my credit report Im trying to buy house.

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 2020-09-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i have sent XXXX, Equifax and XXXX SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

EQUIFAX and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH EQUIFAX and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However EQUIFAX and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, XXXX  and EQUIFAX for inaccurate reporting and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have sent Experian, XXXX  and XXXX  XXXX XXXX trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX  has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report XXXX information on my credit report. I have sent several letters back to back and they are not coroporating. 

XXXX  and EXPERIAN are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH XXXX  and EXPERIAN are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However XXXX  and EXPERIAN who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, EXPERIAN and XXXX for inaccurate reporting and defamation of character.

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 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P.
State: TX

Complaint narrative:
I have been asking for an escrow refund since XX/XX/XXXX. Here are the details : Service First Mortgage issued an Escrow Refund in the amount of {$2900.00} issued on XX/XX/XXXX to XXXX XXXX XXXX, on property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. My Father, XXXX XXXX XXXX was the sole borrower on the Service First mortgage loan, however I, XXXX XXXX was an authorized user on this account, as well as being named co-owner of the Deed of Trust since XXXX. I currently and legally retain 100 % sole ownership in the property. 

I cared for my Father in our home together at XXXX XXXX XXXX XXXX, until he passed away on XX/XX/XXXX. I continued with the mortgage payments until I was financially able to pursue the legal process to have my Father removed from the Deed, and have the property refinanced in my name. Service First was paid in full for this mortgage on XX/XX/XXXX, as a result of being refinanced in my name. 

I spoke with the service representatives MULTIPLE times and provided them every single document they could possible need including the following items ; DEATH CERTIFICATE ORIGINAL WARRANTY DEED HEIRSHIP AFFIDAVITS NEW TITLE COMMITMENT SERVICE FIRST PAYOFF STATEMENT FINAL CLOSING STATEMENT PERSONAL IDENTIFICATION They have failed to issue me the refund for escrow overage and it has been a year since this loan was paid in full. I refinanced the home in my name. Please help me get the funds I am due. thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: LEXISNEXIS
State: GA

Complaint narrative:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX  tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have an account with paypal and i talked to them sunday and they told me there is a hacker using my name to buy credit cards and open accounts in my name they have five cards under my name. There was a direct deposit on my paypal on XX/XX/XXXX of XXXX and i spent that money for about five days and then on the XXXX they say i cant use paypal anymore because there has been a fradulent activity so i changed my paypal information the person hasnt touched that money but the person is using my name to buy credit cards or something. I am the owner of my paypal account and now i cant use my paypal mastercard because this person red flagged both of my accounts i still have XXXX i havent been able to touch since the XXXX this month paypal was making me buy XXXX XXXX  XXXX  so they could acess my account and remove the cards so i can use my money again but i feel like i shouldnt have to pay to have my paypal account back unfozen but paypal on this number told me to buy these cards there number is XXXX they told me dont tell the cashier at XXXX  XXXX  what i am doing and XXXX  XXXX  called the police on me and said my card is stolen witch it has my names on them i showed them my id and showed them that its the same cards that was saying there stolen they let me go but they told me to file a fraud report to get that settled and i can use my card again.

Company response to consumer: Closed with explanation