vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 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 recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.

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 2019-10-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX CITIBANK NA/THD  Inquiry : XX/XX/XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out 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 2019-10-09 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: MI

Complaint narrative:
XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning 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 2019-10-09 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: MI

Complaint narrative:
XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America comitted fraud in implementing my mortgage. 

Their prior response to my complaint contained false statements. 

XXXX XXXX refused to return any of my 6 voice mails. 

I filed a new complaint and XXXX XXXX called me. During that phone call he refused to provide me an XXXX mail to correspond with him regarding a resolution to my complaint. I told him I would send him a letter. He assured me he would answer my questions in writing once he received it. Once he received it he refused to address a single point in my letter and merely attached a copy of his initial response to the first complaint which contained the misstatements. He refused to answer any of the questions.

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 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX to XXXX I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this XXXX XXXX account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, Experian has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Experian is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. XXXX Experian and the other credit bureaus on XX/XX/2019. I have communicated with Experian and XXXX XXXX multiple time in the past that I am a victim of Identity Theft and Experian and XXXX XXXX has not takem my case into consideration.

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 2019-10-09 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: PA

Complaint narrative:
Experian To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX   account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 

XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX 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 2019-10-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX  has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : XXXX XXXX # XXXX XXXX/PPC  ( PayPal )

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 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I disputed an account with American Accounts & Advisors, in writing on XX/XX/2019 and it was sent certified, return receipt requested. In the letter I explicitly stated that they were to contact me ONLY in writing. Since the time that letter was received by them, they have been harrassing me incessantly via my phone. Calls at all hourrs of day and night, repeated calling etc. This is harrassment and a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Debt recovery co. Enhanced Recovery filed false claim, I spoke with co. they claimed I owe and that co. has no unpaid bills under my name plus I never lived at address they have on file. I filed a complaint last year with your guys about same acct against XXXX XXXX, both of these co 's have multiple complaints from consumers about these co 's filing false claims under fake accts to extort payments. They claim I owe {$440.00} and sent negative report to my credit report on XX/XX/19 and XX/XX/19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I applied for a loan to refinance my home. After reviewing a few companies I decided to go with Loan Depot as the rate and closing costs made the most sense for me. On XX/XX/XXXX after several communications Loan Depot said they loan type they had set up was not the appropriate loan, but the good news was that the right loan would have a better interest rate and have similar closing costs. On the XXXX of XXXX I received a loan estimate and the closing costs were significantly higher than what they said they would be. I emailed and called several times. They said they would look into it. One loan officer I originally spoke to confirmed the closing costs as the number I was told on the XXXX so I thought we okay. I then requested a new loan estimate because at this point we are going on 60 days and it should not be taking this long and I wanted to compare options again. The new loan estimate had an even higher number than the estimate from the XXXX of XXXX. I again called and spoke with the senior loan officer and he stated that this process is normal for them but the numbers they had from me on the XXXX of XXXX were not accurate as they were the numbers the got on the XXXX of XXXX. So the new numbers I was getting now are accurate. He said they should have had the accurate numbers by the XXXX of XXXX but didnt. At this point I either have the pay roughly {$5000.00} more to close the loan, if it even closes as it still has not, or I have to take a higher interest rate because rates have changed since I was looking a month ago. I have been forced to stay with a lender that I do not want to work with or lose money. They have not tried to rectify the situation and have stated this common practice for them to have two different numbers to work. This is either a lie and they made a mistake, or their practices are malicious and intentional. The record every call so they have on record all or conversation and confirmed that they stated these numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc.
State: IN

Complaint narrative:
Received call from Asset Recovery Associates trying to collect a zombie debt. Debt is 15 years old and have had no communication from loan originator in years. ARA has my personal info and info regarding available credit on cards. Stated had to receive payment that day or they will sue for full amount. Stated they had already sent paperwork to county I live in to move forward with collection and garnish wages. In settlement with government XX/XX/19 they agreed to stop these collection tactics. Obviously they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Approximately XXXX XXXX, 2019, I was solicited to open a Paypal line of credit, PayPal also solicited numerous advantages for having their line of credit including taking 6 months or longer to pay for items with no interest. As a result of PayPal 's promises I Applied for and was approved for the PayPal line of credit. with a credit limit of {$3000.00} However, and somewhat incredibly I am not able to use it for anything. I have make numerous attempts to use their line of credit for purchases between {$200.00} - {$750.00}, each attempt has been with Merchants who DO accept Paypals line of credit. Each time I have been declined with no specific explanation, I only get a standard response which does not address my specific reasons for being declined. I have also made numerous, like dozens of attempts to reach PayPal through their messaging and help platform. Each time I get the identical standard response which again does not address my question or problems. PayPal just gives me a run around and has wasted hours of my time, Further, if I knew PayPal has a restriction when you first are approved I would have never applied. Now my credit score has decreased as a result of the credit pull. PayPal seriously and on purpose misleads consumers to apply for their line of credit. I give up trying to use it, Wish I never applied

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 2019-10-09 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 is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: PA

Complaint narrative:
Trans Union To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) and account number ( XXXX**** ) ( XXXX**** ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX 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 2019-10-09 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXXl Open  XX/XX/18 Amount XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.

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 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My checking and savings account with Citibank was put on Hold / Account Frozen status on XX/XX/XXXX without any reason given. I was prevented from accessing any of my money which I needed to live, for rent and food etc. 

On XX/XX/XXXX I was told if I drove to a branch that would be the only way I could withdraw money. I drove almost an hour to the nearest Citibank branch, spent over an hour with the banking associates there, only to be denied access to money again. 

I made two more calls on XXXX and XXXX only to be told different stories each time. The first representative told me my account had been closed and I would recieve a check in mail in 7-10 days. When I made a follow up call on XXXX I was advised my account was still open, but on a hold/ frozen status and that I wouldn't recieve my money for 30-60 days. 

I have kids and a family and I need this money to survive. They still have given me no reason as to why the account was placed on hold or frozen. Each department blames it on the next and I have not been given any final conclusion.

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 2019-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
In XXXX of XXXX I received a collections letter from XXXX XXXX XXXX on behalf of the University of XXXX for a Perkins loan. They said I owed {$4400.00} and needed to pay immediately. We settled on 11 automatic payments of {$400.00}. Monthly, from XXXX XXXX to XX/XX/XXXX, {$400.00} was withdrawn from my bank account. After my last payment was withdrawn in XXXX of XXXX, I considered the loan paid off. 

On XX/XX/XXXX, I received a call from Heartland ESCI claiming that I owed still {$1900.00} on the loan. When I checked my credit report, the loan was also listed there, causing my credit score to drop. I asked for a debt verification letter on XX/XX/XXXX. On XX/XX/XXXX I called Heartland ESCI and they said that I was missing three out of 11 payments for the Perkins loan. I called the University of XXXX  Student Loan Collections Office and they also confirmed that 3 payments were missing. I sent over a copy of my bank statement showing the 11 withdrawals. On XX/XX/XXXX, the student loan collection office at the University of XXXX called me back confirmed that they have found the three missing payments. XXXX XXXX XXXX failed to post them to my account and then closed out my account. Instead of the {$1900.00} I supposedly owed, I owed the remainder interest payment of {$160.00}. The closed account went to Heartland ESCI who then damaged my credit trying to collect on a loan I had already paid off.

Company response to consumer: Closed with explanation