vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX about this account that incurred back in XX/XX/2018. As I stated to the representative, my state insurance, XXXX was active on XX/XX/2018 and that all medical bills that accrued between that time was covered by XXXX. I saw the doctor 6 times in the month of XXXX due to XXXX  and all those bills were paid by XXXX. So how was these 2 bills not covered when it ; s the same time frame.We then did a 3 way with XXXX and they told XXXX XXXX  XXXX that the bills had been paid and that I do not have any balance owed because all bills over 6 months are automatically dropped. XXXX XXXX has refused to remove this account from my credit report despite this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$20000.00} XXXX   XXXX {$110000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX  XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NE

Complaint narrative:
Due to other financial issues, I became delinquent on my mortgage with PrimeLending Loan Servicing backed by XXXX XXXX. When I lost 100 % of my employment hours due to COVID and the passing of the CARES Act, I requested a forbearance on my mortgage. I was initially told it had been applied, they read the terms and conditions to me and said I would receive additional information in the mail. The only thing I received was loss mitigation paperwork. When I called back I was advised by 3 different reps I did not have forbearance and if I wanted one I must complete the loss mitigation paperwork. 

I called XXXX XXXX, when they got back to me after speaking to the lender they stated I was in an active forbearance. I asked what date it went into effect and expired as well as if they would then be paying my homeowners insurance policy per my escrow account and if I could make payments in the interim. They advised I call the lender. 

When I reached back out to Primelending I was again informed I do not have an active forbearance and if I wanted one I needed to complete the loss mitiation paperwork. I told the rep Primelendin has informed XXXX XXXX I am in an active forbearance and per the CARES Act they must allow me to be. The rep stated because I was in default prior to the CARES Act it did not apply and I must complete loss mitigation paperwork. 

I called XXXX XXXX back and advised the rep of what I just stated, they said they would get with the lender and either have the lender or the person handling my issue call me back. No one has called, the eviction memorandum for XXXX XXXX backed loans have expired and they can literally sell my house any day now. 

I am working on resolving my financial disputes and they should be solved within the forbearance period. I would then be able to pay all of my delinquent payments and become current on my loan. I can not if they refuse to give me a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. I went to the police and filed a police report report and an FTC report as well. 
I'd like you to help me resolve this issue, Thank you.

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 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
i havent received any money put on my card, i called customer multiple times and havent been able to reach anyone ive been on hold for longer than 4 hours. im depending on this money in order to survive with paying my bills and everything please email me back at XXXX XXXX  XXXX XXXX  to let me know ways you guys can help me. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from XXXX XXXX XXXX. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though XXXX placed the derogatory information on our credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and found inaccurate, invalid accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriFirst Financial Corporation
State: OH

Complaint narrative:
Initially, I was unable to continue paying my mortgage due to unemployment. Although my job was eliminated back in XXXX of XXXX, I was able to continue paying my mortgage until XX/XX/XXXX. My mortgage company granted me forbearance while I continued seeking employment. In XX/XX/XXXX, I did begin working again, but not making sufficient income to begin paying my mortgage and I sought further assistance from my mortgage company, staring in XXXX of XXXX. In XXXX of XXXX, my mortgage company informed me that my request for further assistance could not be granted due to the 'default status ' of my student loan ( federal student loan ). I did contact the student loan company and they informed me that my only option was to pay my student loan in full ( ~ {$180000.00} ) before the status of my student loan could be changed. 

At this time the mortgage company requires that I pay {$11000.00} up front before I can resume paying my mortgage. I recently was able to land a job paying significantly more and desire to start paying my mortgage again. I am requesting assistance with the mortgage company through CFPB, hoping that my mortgage company can be persuaded to allow me to start paying my mortgage without having to pay {$11000.00} first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX : I purchased and took ownership of a XXXX XXXX XXXX XXXX  from the XXXX XXXX XXXX XXXX located in XXXX TX on XX/XX/XXXX. VIN # XXXX Stock # XXXX Unit # XXXX. 
I returned the vehicle for a refund on XX/XX/XXXX. 
The dealership returned my down payment as a check and sent Bank of America payment to clear the loan. ****** email communication from XXXX Mr XXXX, I received a note regarding your contact with our executive customer service. Glad to hear that you have received your down payment refund. I have researched the refund to Bank of America. The refund in the amount of {$15000.00} was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. Heres the XXXX  tracking # XXXX. I dont have visibility on how quickly Bank Of America will apply these funds to your loan but normally it should be applied within 3 business days. end of email **** I have attempted to call Bank of America multiple times in regards to the flat cancel of the loan. 
Account number : XXXX I was told by Bank of America on XX/XX/XXXX that the dealership is responsible for communicating the flat cancel of the loan and they did not do their part. 
I explained that the dealership sent a payment of {$15000.00} it was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. XXXX  tracking # XXXX checks out and shows it was signed for. 
The Bank of America representative refused any acknowledgement that a payment was received by Bank of America. He instead repeatedly stated that the dealership did not communicate with BofA and it was my responsibility to work with the dealership in this matter. 
I asked to speak to a supervisor and was only promised a call back. I have been a Bank of America customer for over twenty years and this has been one of the worse banking experiences I have encountered.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was notified on XX/XX/XXXX that my account was past due. The balance was {$80.00} on the letter When I tried to call them to pay, they informed me that because the due date was XX/XX/XXXX they had charged another late fee and the total amount {$120.00}, without telling me or giving me time to make a remedy

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
As a employed person who has always made my payments to Macy 's, and have had my credit card a long time, I was shocked and appalled by the latest action that happened as a result of Covid. 

At this time- I'm sure everyone has late payments and has a story. Mine was I was under a stay at home order, so my income did get behind. I reached out to the credit card companies, and while some offered time to pay bill- Macy 's decided to run a credit limit report and cut my credit card limit, based on current report. Once they cut the limit -- which I had about 2000 open on the card to use, then it shrinks my debt ratio on my credit score. Not very fair to people that are going through some troubling times. They should have made a call or sent a lettter prior. NOT sent me a letter of cutting my credit limit. 

I've gone back to work this week, I finally found a way to get in online and delay a couple of payments till I'm caught up. Thank you Macy 's, but your unfair credit score reviewing in a time where this is a serious problem for many, made me realize exactly how little you care about your customers. I've never maxed out the card, and I certainly would not do it now. I did not need a credit decrease based on current payment situation. While other companies over to wave late fees, Macy 's does not. They also do not give you an immediate answer regarding Covid help. Every other company I have a card to- has at least had someone answer a phone, and /or if it was an online process they gave you an answer right away if you would qualify for Covid relief as they call it.

Very unfair practice to go after credit limits that affect the overall persons scores, when they are already suffering from Covid loss, and trying to keep up, but could not- due to the home quarantine.

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 2020-05-20 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: AR

Complaint narrative:
I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: IL

Complaint narrative:
I have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.

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 2020-05-20 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: CA

Complaint narrative:
There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.

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