vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XX/XX/2017 XXXX data breach several accounts on my credit report are not mine listed : Account Name NATIONAL CREDIT SYSTEMS  Account Number XXXX Account Name NATIONAL CREDIT SYSTEMS Account Number XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED 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 DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED 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 DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES 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 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: SC

Complaint narrative:
Also, please see attached on IQ Data response to the dispute we sent out. They have included only a summary of charges. This is NOT sufficient proof.

I have included a copy of an email to XXXX 30 days prior to moving out requesting a call back, and confirming I would not be renewing my lease. The reason I am adamant on disputing this is because of the following.

1 ) I did due diligence trying to turn in a formal notice to the office. I went by the apartment office three separate times during normal business hours and they were closed.

2 ) I left several voicemail messages asking for a call back. I never heard from anyone.

3 ) I sent an email 30 days prior to my lease expiring stating that I would not be renewing and that I needed a call back to know what my proration would be for XXXX. Again, no response. 

4 ) I professionally cleaned the apartment and dropped the keys off in the drop box prior to my lease expiring.

5 ) I spoke with the maintenance manager and he told me that XXXX XXXX  were undergoing major changes and complete staff turnover was happening. This must be accurate as they no longer are called XXXX. New signage indicates its now called XXXX XXXX. 

This proof sent by IQ data is nothing but an invoice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX of 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 2020-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I been a customer for decades and now they tell me my social security number is wrong and I have to correct by down loading forms and printing them I have no way to print I can't change a ss # that I've a! ways had.

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 2020-08-19 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}

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 2020-08-19 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regions Bank has been refusing to close my account for over 6 months and is insisting that I need to visit a bank branch to close it. I am not comfortable visiting a branch during a pandemic and would like the account closed immediately.

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 2020-08-19 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:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX XXXX {$1700.00} XXXX XXXX {$8100.00}

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX   XXXX {$320.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX-XXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$8100.00}

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX I had charges on my credit card with Wells Fargo, I did not realize until XXXX, on XXXX I called the company Wells Fargo to report it and ask to stop the payment since this is a fraud. 
in the XXXX statement the charges wells Fargo appear again did nothing for my protection on XXXX they open a case # XXXX I send a letter to the XXXX XXXX XXXX call me to informe they working on that the problem when I report on XXXX The Bank no do Nothing to protect my account now my balance is close to XXXX for all this charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
On XX/XX/2020 I sent a copy of a paid in full letter from XXXX XXXX to Contract Callers to the email address provided, XXXX. Prior to sending the letter, I spoke to two different associates at Contract Callers Inc. informing them the account has been paid in full. I also spoke to several associates and a supervisor at XXXX XXXX asking them to update the collection company that they sent my information to, with information that the account has been paid in full. XXXX XXXX says their only responsibility to me is to send me a paid in full letter, which they have done, XX/XX/2020. I've disputed the information on my credit report with XXXX three times and CCI  response to XXXX  is, the amount is still owed. CCI refuses to update my credit report with correct information.

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 2020-08-19 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 AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-08-19 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 AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both XXXX  and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both XXXX, XXXX and/or BBVA as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both Experian and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both Experian, XXXX and/or XXXX as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo basically gave us payment deferral that was not necessary, we have continued to make payments and do not want this to reflect on our credit score. We didn't ask for this relief.

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 2020-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
From XX/XX/2020 up until now XX/XX/2020 our home Mortgage showing that we having made a payment, we have all of the receipt so what do we do to stop this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Unable to get a temp unfreeze of credit. I was able to easily do this with the other 2 agencies, XXXX  and XXXX, but the Experian process is antiquated and did not work. I answered id verification questions correctly but the system hung up and then blocked me. They want me to send ID documents and SS num in the mail to them, which I am not comfortable doing. There is no way to talk to a live person. There service is horrible.

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 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX, Credit Control LLC, and XXXX XXXX XXXX XXXX XXXX are all trying to collect a debt, the same debt, that I am not responsible for. Each time I inform one of these companies that the debt is not mine and provide them with the letter from the original creditor, I receive a letter from one of the other companies trying to collect the same debt on behalf of XXXX XXXX, XXXX. 

In XX/XX/XXXX, the original creditor of this debt, XXXX XXXX XXXX, performed an investigation and determined that I was not responsible for any previous or further balance on this account. ( Letter from XXXX XXXX XXXX Attached ) I notified the above companies of this on multiple occasions and included the letter from XXXX XXXX XXXX on the following dates. Tracking numbers are included XX/XX/2020 Notified via certified mail ( XXXX ) and fax XXXX XXXX, XXXX  XX/XX/2020 Notified via priority mail ( XXXX ) XXXX XXXX XXXX  XX/XX/2020 Notified via priority mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via mail XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via priority mail ( XXXX ) Credit Control , LLC XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX Each of the above were responses to letters I received from the above companies attempting to collect the same debt. 

I have also filed multiple disputes with the credit reporting agencies against this debt. Each time the debt comes back verified by XXXX XXXX XXXXXXXX.

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