vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so ignorant they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
I have tried to dispute with all 3 credit bureaus multiple times each. I have reported to all 3 bureaus the information they are reporting is fraudulent. They clearly didn't verify my information before placing fraudulent accounts on my credit reports. Now they refuse to fix my reports and are reporting false information that is ruining my life. I don't have any student loans. I never went to college. I didn't graduate high school. Who did the credit bureaus allow to use my information and why are they so XXXX they didn't bother to verify anything? Now the burden lies on me and they are so worthless they still aren't verifying anything despite it all being FRAUD. I need 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 explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit XXXX XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXX I started to take over out finances and noticed that our mortgage has never really gone down. We started out as XXXX XXXX and then XXXX XXXX was bought out by XXXX, XXXX then sold our mortgage to Nation Star and now we are Mr Cooper. When I asked Mr Cooper about this issue of how our Mortgage of {$56000.00} is only down to {$45000.00} after 16 years of paying. We purchased our home in XXXX and have been making the monthly payment since. We may have got behind on a few payments because of health issues my newborn had when she was born in XXXX but we always made out payments some how. When I looked at the terms of the loan it states we will be paying until XXXX which is 43 years, we only have a 30 year mortgage, therefor we should only be paying until XXXX. Mr Cooper tried to say that right before XXXX XXXX turned the loan over the loan was resigned, this is not true the documents they have have a signature that my husband did not sign, I am not sure who signed those documents but it was not him. Mr Cooper sent me a copy of the files they had on file from this design, BUT could not find information about our loan prior to. I sent them a copy of our original loan and what my husband signature looks like. I am not sure what Mr Cooper did during the turn over but something fraudulent happened because there is no way we have this much to pay on this house. We could have had a better house, its terrible they are taking advantage of people like this. I have spoken to varies other Tax Payers, as I am an XXXX XXXX, XXXX XXXX and they are having similar issues with Mr Cooper and Mr Cooper says they will investigate but they did not, they sent a generic response, they they could not further investigate because they do not have the paperwork from the other mortgage company. 
I would like Mr Cooper to correct our mortgage to reflect that we only owe what we owe the 14 years of the mortgage. I dont understand how a company can do this to people, its terrible. I have a family to take care of and to continue to pay on this house until XXXX is ridiculous that would be two times what its worth that we would be paying. It makes me sick to think of how many people they are doing this to and they are getting away with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I have so much information regarding my loan and how XXXX and XXXX XXXX XXXX have handled my mortgage loan. I have tried repeatedly to work with XXXX but the company refers me to their Texas law firm XXXX, XXXX, XXXX, XXXX and XXXX, XXXX from XXXX, Texas and that firm would tell me to call XXXX. Very deceptive since I submitted in XX/XX/2021, {$19000.00} to CENLAR since their office claimed that was what was owed and the money was refunded back to me since I was short {$10000.00} and they would not allow for the fees to be added to the {$56000.00} note. My house will be sold tomorrow, XX/XX/2021 for {$56000.00} so who will pay the {$29000.00} plus that will still be owed? 

I have researched and realized that this company is very deceptive and have several lawsuits against them for the exact same reason they are foreclosing on my property. 

Please help to stop this and maybe it will help another family somewhere not suffer these consequences. 
What I want for them to be investigated and brought to justice for what they do to families along with their Law firm that represents them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
This matter is regarding Fidelity Creditor Service claiming that I owe them XXXX for a debt in which they said they were handling for a client. I called the and told them that the amount was incorrect and I wanted paperwork showing the amount breakdown. The Representative named XXXX did not want to send me paperwork. He was being rude and condescending pressuring me to settle without providing me proof of charges. He then claims that I agreed and was acknowledged about the new charges in which I have no email and correspondence from Fidelity. I look the company up on XXXX CA and it shows as a dissolved company which I feel like they are committing fraud and attempting to collect more then what I owe. They did not acknowledge me when I asked for the debt in writing. I emailed them XX/XX/21 asking for paperwork or a contract stating that I owe them that estimation of XXXX. 




On XX/XX/21 I called The original creditor which was XXXX XXXX XXXX and spoke to XXXX XXXX they informed me that I owed XXXX. The amount is totally different from the amount the collection agency told me. They never acknowledged me about the amount I was never sent any paperwork from the company Fidelity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, i sent discover a Cease and Desist and I never received a response. i sent the letter via certified mail. Discover bank denied me of credit and told me on one hand it was because XXXX furnished something on my consumer report, and they also said on the other hand XXXX had no part in the denial of credit. its very confusing and misleading. Pursuant to 15 usc 1691b ( b ) a consumer can not be denied credit due to the primary purposes of personal family and household purposes ; these transactions are exempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion and XXXX are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While my fianc was helping me get a plan in place to pay off debt, we noticed that my account balance hasn't lowered in over a year. 

This was due to a recurring fee on my Citibank credit card called " Payment Safeguard '' which was charging me about {$94.00} a month going back two years ( which is as far back as my online statements go ). 

After doing a bit of research we saw that Citibank had to refund {$700.00} XXXX to credit card customers for this exact unfair and deceptive practice! 

We called to cancel ( which we did ) but were told we would not be refunded because she said I signed up for the safeguard in 2012, which is simply not true, in fact, that's exactly when they were sneaking these fees onto consumers cards.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Even though thus debt is not mine I still paid it on the promise that the collection agency would delete it from my credit and they have not. 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 explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXXl is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too

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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXXXXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too

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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I was seen at the hospital XXXX I have the billing clerk my insurance information she used the old one in the system and never update the correct information I gave I have disputed this and called the hospital to dispute thus and have not received the resolution. I shouldnt have to pay for a bill that I had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/21 at XXXX hours. I recieved a text message which claimed to be from JPMorgan Chase bank  asking about fraudulent activity on my account. I replied stating it was fraudulent and recieved another message informing me a representative would be contacting me shortly. I recieved a phone call from XXXX which is the customer service line from chase bank. I answered and a well scripted young man asked all the right questions about a fraudulent XXXX transfer for {$2000.00} to a XXXX XXXX. He informed me in order to reverse the charge I would have to send myself a XXXX transfer for {$2000.00}. He gave me a fake email and asked if it was mine, i replied no and he asked what email address to change the account to. I then sent myself in XXXX the money. When i gave him the email address I promptly recieved 2 emails from chase bank informing me of a change of email on the account. Everything looked normal until i logged into my account and saw only 1 transaction sending {$2000.00} to myself which i never received. About 30 minutes went by and I became nervous and called the bank, they informed there was no record of a call made to my phone on thier end and that I had been scammed. When i asked about my money i was told there is little to no chance I would get it back unless the bank could find the person that scammed me. I immediately filed a police report. My wife went into the bank on XX/XX/21 to ask about reimbursement and was told that since I authorized the transfer ( not knowing it was a scam ) that we were not entitled to reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 non-monetary relief
Consumer complaint received 2021-12-07 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: TN

Complaint narrative:
I am a consumer and this is XXXX XXXX XXXX. 

This complaint is not being submitted by a third party. 

FTC report number XXXX is proof of identity theft. 

Transunion received the identity theft report on XX/XX/2021. 

In this matter, block of information resulting from identity theft is permissible pursuant to 15 USC 1681 c-2. Transunion is a consumer reporting agency and upon receipt of information that resulted from an alleged identity theft shall block the reporting of any information not later than 4 business days. 

As of XX/XX/2021, Transunion has violated my consumer right pursuant to 15 USC 1681c-2 and failed to block any reporting information that resulted from an alleged identity theft within 4 business days of receipt.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$1600.00}

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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: NY

Complaint narrative:
My account with Keybank was closed. I had logged into the account on a regular basis. No effort was made to contact me. The funds were supposedly turned over to the state but I can not find them in the unclaimed funds database. 

The account was " Hassle Free Checking '' there were no minimum transaction requirements to avoid a fee or account closure.

Company response to consumer: Closed with explanation