vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible

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 2020-07-27 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible

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 2020-07-27 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:
FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} DEPT OF EDUCATION/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX BY PHONE DBA CHECK INTO C XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Equidata, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud

Company response to consumer: Untimely response
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Transaction disputes were submitted on the website of bank on XX/XX/2020. The total amount of disputes is {$4900.00}. I have spoken to several representatives regarding on my account including the debit card dispute department after realizing that I was scammed. Bank was provided with email chain which includes all the details of the scam. Bank denial the full dispute after knowing the fact that it was a scam.

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 2020-07-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Company reporting incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: IL

Complaint narrative:
Company reporting incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have no knowledge of the account thats being reported on my credit report.I didnt sign my signature on any documents relating to this account.It shows the account was opened XXXX XXXX on my credit report with a collection balance of $ XXXX my knowledge I was currently working on that day and I didnt give any one my consent to open that account.

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America checking account was drained by someone across the country. I called and filed a claim the same day. I was told they have 60 days to resolve the claim and they would issue a temporary credit to my account within ten business days. XX/XX/XXXX On XXXX I called to check on my claim and was told the funds would be issued no later that XXXX. On XXXX I called back and was informed the 10 day rule only applies to claims under a certain amount and my claim was over it. They said they filed and expedite return On XXXX I received a letter in the mail from the bank that a temporary credit would be issued within 2 business days Letter dated XXXX. I On XX/XX/XXXX I called again the representative Wasnt sure why they hadn't been deposited and filed another expedite return for me, and said I would here from someone within 3 days. I also filed a complaint. I never heard back. XX/XX/XXXX I called and they again said theyd put in another request. and some one would call with in 3 days. On XX/XX/XXXX I spoke with another representative who told me I would hear from someone within 48 hrs. On XX/XX/XXXX I called again I was told there is no time frame on missing claims deposits and the other reps had given me miss information. XXXX the supervisor of the Tennessee branch informed me that his branch has been there for the longest and some of the other branches hadnt been properly trained. They were giving out old information and that they would contact me in the order that it was received. With no time frame. I keep going in circles being told different things and getting no help. Im behind on my mortgage and bills and they now say theres no time frame on when I might get my money back.. Im at my wits end. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 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: U.S. BANCORP
State: WI

Complaint narrative:
I have an account with US bank. I have personal called a few times within the last 3 months and everytime I called every representative would say my credit card account is closed. I recently tried to get an auto and I could not get approved due to this being on my credit report as closed by consumer. After calling multiples times and talking to more than a handful of people, they said my account was closed off wrong and no one could access or help me pay it off for 3 business days. 
I waited and called back, by then someone said I only owe {$180.00} I questioned it due to my credit report stating I owe {$420.00}. After being transferred to 2 different representatives, the last lady said I owed {$610.00}. I was highly confused and questioned her. She said the late charges are {$420.00} and the principal is {$180.00}. I do not believe my credit report would only be recognizing the late charges and nothing with principal. 
I have paid in full due to my credit already being ruined by this but I am highly upset and believe this needs to be looked into. 

I do not believe how much in fees they charged before " closing '' it out wrong. I can say with the most honestest that I will not do my future business with them. I was very young at the time of that credit card and not sure how everything fully worked. I also do not believe they tried to contact me for the funds. I also have a savings and checking account with them, they could have easily withdrawn the funds and helped my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 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: IL

Complaint narrative:
the companies are reporting incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
the companies are reporting incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I want to authorize XXXX  app to deposit and withdraw from my account. The new third party security is withholding me from doing such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Company reporting incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from 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 2020-07-27 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: MS

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from 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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX has obviously purchased several old credit card debits I owed from years ago and are using the law firm Blitt and Gaines , P.C . ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went  straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I applied for this card because it was rated highly for balance transfers.I listed my wife 's phone number and email because I am on the road and work in the XXXX. I have no signal most of the time. As part of our financial strategy, we did not include her as an applicant. ( She is now listed with American Express as an account manager. ) I received the card in the mail and activated it online. I wanted to transfer a balance. I was aware of the advertised terms as stated on numerous websites. Even the paperwork stating terms were received with the cards. I was unable to transfer the balance I wanted. Apparently, American Express recently decided to not accept balance transfers. I feel I should have been notified of this prior to the company dinging my credit ( which I am super careful about ). I also chatted online with a " XXXX '', who told us that I can only use the card for daily purchases. Balance transfers were only by " special invite ''. How many credit savvy people are taking a hit on their credit scores and not getting the services and offers they thought they were applying for? This feels like " bait and switch! '' Now, my credit took a hit for the inquiry and I have a new credit card that is useless to me because I can't use it as I had intended! 

On XX/XX/XXXX, we received an email stating that the complaint was closed because the name and phone number listed on account did not belong to applicant. Of course, it was my wife 's. As I said, she is now listed as an account manager. I want to pursue this complaint. Please " re-open '' this. The original complaint number from OCC is XXXX. The CFPB complaint number is XXXX ( XX/XX/2020 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the bankruptcy on the report and they got back to me later than thirty days. I also disputed and Experian said that the bankruptcy came back verified. I was wanting to know their verification method. I called the Court in XXXX and asked if they had released the information to the bureaus and they do not release that information to third parties so how was this verified? Also the account for XXXX XXXX was agreed by the creditor that this account would in fact be removed from this report after payment. Payment was made in full but the item remains which was not their agreement.

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 2020-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Last year, my wife and I fell behind on our mortgage. After a long, arduous process, Carrington Mortgage finally agreed to allow us to do a loan modification. The modification would allow us to bring our loan out of default. The 1st part of the modification process involved us making three consecutive " trial payments, '' before the modification could be finalized. We made our payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no problems, as we were asked to do. At that time, our modification rep at Carrington e-mailed us and told us that they were sending paperwork that we had to sign and send back to them by XX/XX/XXXX, in order to complete the trial period and move on. We did that, too. Nowhere in the paperwork they sent us and had us sign, did it mention anything about what our new mortgage payment would be due, how much it was, or when it was due. The third week of XX/XX/XXXX, I e-mailed our modification case worker, and let her know that we had returned the signed and notarized paperwork, and provided her with a tracking number to track the package. I asked her to let me know what was next, as soon as possible. A couple of weeks passed, and we received our mortgage statement from Carrington for XX/XX/XXXX. In their statement, they showed that we were still in foreclosure, and made no mention of any payment being do and when. This created a concern for me, so I contacted our modification rep again, this time by phone. She assured me that everything was processed properly, and that I would be getting information about our new payment soon. That information never came. Just last week, I e-mailed our Carrington modification rep again, and let her know that we STILL haven't received any information about our new mortgage payment or due-date, and that I was starting to become concerned. Well today, XX/XX/2020, I received two letters from Carrington Mortgage simultaneously. One of the letters was a late notice! Carrington said I had a mortgage payment that was due on XX/XX/XXXX that was now late, and that they were charging me a late fee. I also received a mortgage statement for XX/XX/XXXX, stating that I owed two mortgage payments and a late fee by XX/XX/XXXX. We have spent so much work and effort to get this mortgage back on track, and this was just devastating to us.

Company response to consumer: Closed with explanation