vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: MN

Complaint narrative:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX   XXXX 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
Consumer complaint received 2020-04-23 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: Innovis
State: LA

Complaint narrative:
In XXXX after checking my credit report I noticed that several files were not mine. Innovis was reporting a XXXX XXXX account. This account does not belong to me. I disputed with Innovis. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Innovis several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Innovis is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I made a payment to PHH mortgage, the last day of XX/XX/XXXX to be intended to XX/XX/XXXX. It was half of the payment. The rest of the payment was payed on XX/XX/XXXX. The mortgage company notified me XX/XX/XXXX that XXXX was in a suspended account. And that I owed the amount in their suspended account. I called XX/XX/XXXX, the customer service women told me she would reverse the payment and it would take 10 business days. I called mid XXXX and was told in 24 more hours. Then nothing again was reversed. I called and spoke to another customer service who told me it would be reversed. I asked to speak with manager or management. He said no management he sent me to escelation department, I spoke with XXXX XXXX who assured me I would have a business letter explaining what happened, but that was money was suspended they could not reverse it and I owed XXXX i paid the XXXX a couple days later. I have a late payment on my credit report, paid an extra XXXX, no letter of explanation, and was misinformed by customer service on several occasions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I've applied for American Express XXXX XXXX card in order to extend our present AmEx credit portfolio. We, XXXX XXXX XXXX, were seeking for a product, which would enable us to earn additional rewards points on shipping and advertising products, which is a main reason why we chose that product and I, XXXX XXXX, decided to apply for it. However, my application was denied/rejected. 

While I was researching for a denial reason, I've been serviced with such reasons - quote 'Your consumer credit report indicates your payment history has been unsatisfactory ; The number of your payments in relation to the overall balance on your American Express account ( s ). ' Which is complete blasphemy. None of my credit report from all three major credit bureaus indicates a single missed payment, nor an account in collections. On top of that, I have an excellent payment history in general and the same could be told about my personal and business account with AmEx, a member of which I've been since XXXX. 

Additionally, I currently don't have any high balance on any of my card, especially personal ones. They all have been paid for, in time respectfully. 

Also, during the research, I've noticed that American Express didn't even obtain a copy of my recent credit report since I don't see a hard inquiry on any of major credit bureaus and especially in XXXX 

As proof of my words, I'm attaching the copies of my credit report, indicating excellent credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, i have a XXXX  XXXX XXXX financed with Westlake financial Services. On XX/XX/XXXX new york state asked all the banks to push the payments out for people affected. I called westlake financial services asking for payment arrangement at the end of the loan but instead they starting harassing me. I been receiving calls 3-5 times daily and they are charging penalties and late fees my phone number XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was charged two {$29.00} fees on my Target XXXX for " returned payment '' fees as the autopays had been declined by my bank - one in XXXX and one in XXXX. I have since paid the payments and I called to have the fees returned, as every other creditor is doing in the face of financial hardships due to COVID-19, for moral reasons but also due to guidance from their states and the government. I was told by XXXX ( ID XXXX ) in the Payments Department that Target would not be refunding any fees nor helping in any way regardless of any laws or guidance. He actually said he wouldn't " talk politics '' with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX  XXXX  XXXX-Chase-XXXX XXXX-when people were asked to start checking their accounts balance for Stimulus Check-banks-credit unions started charging a fee for checking bank balance-this the financial institutions did not do- before people were asked to check their bank balance for stimulus checks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AL

Complaint narrative:
There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  Child Support - That is reporting incorrectly. I have contacted Child Support because XXXX  is reporting inaccurate Child Support Information. There was an overpayment where Child Support had to reimburse the money sent. XXXX  is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. Transunion is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So Transunion and XXXX  is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times

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 2020-04-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - Experian Child Support - That is reporting incorrectly. I have contacted Child Support because XXXX is reporting inaccurate Child Support Information. There was an overpayment where Child Support had to reimburse the money sent. XXXX is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. XXXX is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So XXXX   and XXXX  is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times

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 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: NV

Complaint narrative:
XX/XX/2019 I filed a complaint and XXXX XXXX responded from the collection company stating they would offer me 65 % off the balance and I could make payment arrangements if I could not pay all at once. I called and was told by XXXX XXXX they would not comply with that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: MN

Complaint narrative:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: MN

Complaint narrative:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX  XXXX  XXXX, 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
Consumer complaint received 2020-04-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Creditor : Chase Acct # : XXXX XXXX XXXX XXXX Re : 30-day late reported XX/XX/2018 Chase reported a 30-day late XX/XX/2018. My mailing address should have been updated. I have multiple accounts with Chase but somehow I did not receive my monthly statement. 

The Fair Credit Billing Act requires that any lender offering consumer credit send statements to the last address reported by the consumer at 14 days before the bill is due or penalties apply. This did not happen. 

Chase did not comply with the Fair Credit Billing Act and now is in violation of the Fair Credit Reporting Act by reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX

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 2020-04-23 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:
sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX

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 2020-04-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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:
sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied with AmeriSave Mortgage Corporation, NMLS ID # XXXX, for a 30 year fix refinance in XX/XX/2020, and very difficult to get in touch with loan originator XXXX XXXX NMLS ID # XXXX, finally after many attempts I s/w with him why on their website said a 2nd disclosure on XX/XX/2020, this would put my loan to approx. $ 2600 monthly an addition {$6000.00}, closing when they were already to receive {$5000.00} for closing cost he reflected in to disregard, it, then I receive my appraisal which was grossly inaccurate, and finally he answered my phone call on XX/XX/2020 which he discuss if the appraisal was purposely under estimate, he email me the reconsideration form and ask for me to get in touch with another appraiser. As well, I inform him of an email that he sent to my spam saying the refinance was closed which he reported to ignore it I attempted to upload both the reconsideration form and the comps that evening and the account was closed. I email him both the form and the comps, which showed the appraiser went way beyond 10 miles and crossed over freeways and used property sold over 2 years ago and in the adjustable market rate the appraiser put 0, when there are plenty of properties literally less than 5 miles from my home that have sold. The appraiser under  estimate my property of {$100000.00}. I have made several more attempts to reach him, and emailed again on XX/XX/2020 asking for proof of what the {$500.00} application fee was used for or to return the funds to my credit card. He answered the phone call and put me on hold for over 36 mins and never returned the phone call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation