vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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 called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. As a result, I contacted the local police and FTC. XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2019-09-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX I made payments to bank because I was closing my account and moving out of the country on XX/XX/XXXX I went to the bank to pay any outstanding debt because I was Closing my account before I left, the account manager called the chase credit card department she gave me the phone the lady ask to confirm that I was closing the account I said yes, I asked do I owe anything else she replied no. 
So I think everything is fine so I left the country, a couple of months later I get notification on my phone saying I owe money I thought it was a scam so I didn't log on and i deleted it. 
On the phone app I can see my accounts that are open they don't show a closed account so I have no idea that I owe money on a CLOSED account.MY wife had returned to the states so I had her check at the bank to see what was going on they said yes that I owed {$260.00} dollars didn't seem right but I told her to pay it thinking problem solve but no they didn't tell her that the total amount was {$380.00} so I got more dings on my credit report when I returned to the states and spoke with branch manager she said nothing they can do and that they would return all the fees and interest charges which doesn't help my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I met with Mr. XXXX XXXX of BBVA Compass Bank XXXX XXXX XXXX Bank in regards to my mothers ( XXXX XXXX ) checking account. I was the attorney-in-fact for my mother who passed away on XX/XX/XXXX. When I started to question actions taken by BBVA Compass as to why I was not notified when this account was frozen in XX/XX/XXXX. BBVA Compass did notify XXXX XXXX that this account was frozen when they attempted to process an EFT. 
When I had contacted Mr. XXXX XXXX with this issue he told me that there was only one POD, my brother, XXXX XXXX. 
When I spoke with Mr. XXXX XXXX XXXX ( Retail District Executive SVP ) about this same matter, he also told me that my brother was the only POD. 
In the ensuing months after I filed the original complaint on XX/XX/XXXX I was going thru my mothers files and found the Consumer Signature Card that was processed by Mr. XXXX ( officer number XXXX ) on XX/XX/XXXX when the account was opened. When I met with Mr. XXXX on XX/XX/XXXX I showed him the signature card and asked why I had not told that I was also a beneficiary. Mr. XXXX suggested that sometimes the attorney-in-fact is not a beneficiary. I showed him the form and he emailed the BBVA Compass Bank to ask their opinion. He said that I should call him the next day to ask him about the ruling made by the legal department. I called and left a message. I called again on XX/XX/XXXX and left another message on his phone ( XXXX ). I then called the banks main number XXXX and spoke with Mr. XXXX XXXX. Mr. XXXX then told me that they had found that in one system that I did appear as a beneficiary, but in another system I did not appear as a beneficiary. This explanation is nonsensical. 
The signature card clearly identifies me as a beneficiary. In CFPB Complaint # XXXX BBVA Compass Bank states that it can not release any information to me because I was the attorney in fact. However, I am clearly also a POD, I need an answer as to why I was not notified that the account was frozen. They did notify the creditors that the account was frozen. It is obvious that BBVA Compass Bank does not follow their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I sent a certified debt validation letter to ERC XX/XX/2019.  In return I was sent a monthly statement without any other legal information, signature or contract. I legally gave ERC 30 business days for proof that the debt was mines and validation but didnt get that at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Someone stole my card number or gained access to it when I lost my XXXX laptop. I travel a lot between XXXX XXXX, XXXX, XXXX, and XXXX. There was some usage at some store in California and then some online purchase. All of these instances were reported to Nordstrom once I realized I did not have my card and that someone cloned my card, not only this one but one from XXXX as well. It was easier getting that resolved than this, and this is a store card. I've been a customer and fan of Nordstrom since I was XXXX, I am XXXX at this point and I am disgusted at the lack of follow-through or follow up. I am also upset about poor customer service. The claims rep who was working on my dispute decided to exercise and abuse their position and power and get into a back and forth with me, I then got a denial letter days later. 

Retaliation at its finest. I know my rights as a consumer. I've written a formal appeal to Card services and I've requested footage, documents, receipts and everything they used to determine that I was the person at fault. Legally per the Federal Reserve and Federal Regulation E, the paperwork should've been made available to me when the claim was closed out- they were not. 

I call and get nowhere with customer service and honestly I feel like the company did not do a thorough investigation and I'm being held responsible for items I did not want or get to benefit from. 


I did not authorize a signer or anyone to use my card instore or online. Please help me by doing what is right and getting this resolved. ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
I was mistakenly informed on a number of occasions that my IDR would be backdated to have no out of pocket costs to me and I would not have to use my general forbearance time. Then I was erroneously told I would have an administrative forbearance. I agreed to use my general forbearance time because I really was given no choice in the matter, but was told I would use a MAX of 90 days with the rest being covered by a delinquency forbearance. I received correspondence dated XX/XX/2019 re my forbearance request approval, and it states XXXX, an extra 31 days of my forbearance time I was told I would not have to use any of. I have filed three internal complaints that I have been informed have no way of being tracked or shown their effectiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Myself and my mother went into the company and spoke to the person in charged on that day and informed her that I would be in to settle the rest of my responsibility of amount owed which was under {$500.00} at that time for a membership at XXXX XXXX which I had for less than a year, she verbally agreed and gave me a number to contact her when I was ready. The next thing we knew within a weeks time, my account was sold to a debt collector and the amount is now nearly {$3000.00}. I know that I was late honoring my responsibilities but there has to be a law against what was done. I have yet to receive a notice or a phone call. 
And who is this debt collection company adding all this extra money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America was the mortgage company for my wife 's house. ( The reason I say my Wife 's house is because in XX/XX/XXXX we purchased the house. I paid half of the down payment and my wife paid the other half. Went didn't get married until XX/XX/XXXX. In XX/XX/XXXX we had a below ground pool put in the back yard. It cost {$33000.00}. In XX/XX/XXXX my wife contracted a XXXX XXXX and lost her job. She was a registered nurse and had made good money. By then I was on Social Security XXXX. I couldn't make the house payment as they were and I sure couldn't afford the pool payments. My wife contacted Bank of America and they were told that she gave them permission for me to handle all of the affairs as it pertains to our home. In the meantime XXXX XXXX  is sending us letters demanding their past due payments. I forwarded this information to Bank of America. Bank of America told me don't worry about XXXX that they would handle them. In the meantime we were approved for a temporary loan modification and a permanent modification would be approved if I made 3 monthly payments on time. Which I did. To make a long story short Bank of America did not live up to their agreement. XXXX ended of selling our house in XX/XX/XXXX. My wife had become so depressed after me fighting with Bank of America and XXXX XXXX for a couple of years trying to resolve our circumstances with both Companies. Which would have never happened if Bank of America had not constantly lied to us. XX/XX/XXXX my wife XXXX XXXX by XXXX XXXX in the garage of the same house at XXXX XXXX XXXX XXXX XXXX Texas, XXXX. She couldn't take it anymore. I would continue to fight until the house was sold by XXXX XXXX. The day my wife took her life i was not at home. I received a call from one of  my neighbors to get home right away its bad. All i could think about driving home was maybe my wife had gotten hurt someone how. When I got to the house the garage door was open my wife was lying on the ground with someone in scrubs trying to perform CPR. All I could do was cry and beg him to save my wife. Here tried until E.M.S.  arrived and worked on my wife for nearly and hour as I cried out in agony. They pronounced her dead. That was the worst day of my life. My wife 's name is XXXX XXXX XXXX. Thank you Bank of America for taking our future away together.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: NE

Complaint narrative:
My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. 

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me. 

It is my strong concern that I may not actually be financially responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one. 

In relation to being a previous victim of fraud, I find it most concerning that your agency is not licensed to collect debt in the state of Nebraska, making your attempts and credit reporting illegal and punishable by fines and criminal penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have received back to back phone calls from XXXX XXXX XXXX ( XXXX Bank ) Credit Card. 
I am about 18 days past due, and this amount of phone calls is absolutely harassment. 
They call from an unknown number every time, so when I did finally answer on XX/XX/2019 @ XXXX XXXX, not knowing who it was I asked who it was?! 
She said she was with XXXX XXXX XXXX and I said I would be making a payment in the next few days and that the ridiculous excessive amount of phone calls had to stop, do not call me again. 
They literally called me within 30 mins, 3 times!!! She said well that's true, I said they needed to stop, and she said we can call you as many times as we like and as often as we want!!! I told her wasn't legal and she stated it was. 
I ended up hanging up on her. 
Listen to the phone recording of the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: TX

Complaint narrative:
They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.

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 2019-09-23 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: TX

Complaint narrative:
They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.

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 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I received mail correspondence from PHH Mortgage Services on XX/XX/2019 enclosed with a notice regarding 'what does a company do with your personal information? ' On the lead mailing addressee sheet that was enclosed with the notice there is a 3rd party name in the addressee in addition to my name and my wife 's name. On XX/XX/2019 I attempted to resolve this issue with PHH Mortgage Services escalation department in the XXXX and XXXX XXXX, NJ as to why the 3rd party name is in the addressee for the documents sent to us. I have been put on hold for over an hour and a half with the PHH escalation department in XXXX XXXX, NJ only to have to leave my phone number to have them call me back. I have received no call from PHH to explain why there is a 3rd party name on the addressed documents. The 3rd party name on the addressee document is a known acquaintance to my wife and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization,  Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine

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 2019-09-23 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: GA

Complaint narrative:
I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. 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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: MO

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. Transunion is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The account type is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Transunion even is reporting the account date that it was closed, and notes that the account is paid in full, but still displays the ACCOUNT TYPE as open. This is incorrect. This account should no longer be displayed as open on any of my reports. I have included a letter from XXXX XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Transunion report with the error circled.

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