vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
On my Credit Report ( see attached ) : Former Address ( es ) 1 ) Equifax - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) XXXX - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Made {$2500.00} payment with all extra principal to be applied to principal. Normal payment is approximately {$1000.00}. This is the 6th time where all ( 3 ) loans in the last year BMO Harris Bank has not applied extra principal or in this case the extra principal payment has disappeared completely from payment.this las happened around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with the corporate office in rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. Since this is the 6th time in a year I am forwarding this to the Attorney General of Arizona and to the Arizona and Illinois Division of Financial Institutions

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 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AVANTE
State: AL

Complaint narrative:
I am the executor of my fathers estate. He had a machine financed by XXXX XXXX. We made contact with XXXX to try and make arrangements for a family member to assume the loan. They did not agree, in turn the handed the account over to AvanteUSA Ltd. I was contacted on XXXX by XXXX XXXX. During the initial I told him I would need proof that they were contracted to discuss and collect the possible debt and proof of the debt. he refused to provide the information stating that they did not have to give me anything and that a driver would have proof when they pick up the asset. He became aggressive and confrontational to the point that I terminated the call. I called back and again spoke with him and reiterated the fact that a member of the family would like to assume the loan. He indicated he would be back in contact. During this call I again reiterated the fact that I would need proof of the debt and proof that they had been retained to collect it. He again refused and insisted they did not have to provide any documentation. 

On Friday the XXXX of XXXX I again received a call from a XXXX XXXX. He indicated that the original debt holder had refused anything less than payment in full or the surrender of the machine. I again indicated to him that I needed proof of the possible debt and proof that they were permitted to discuss the possible debt and or to pick up the machine. He once again refused to provide the information. He then demanded a date the asset could be retrieved. I indicated to him that I would not be able to provide that to him until I had my schedule in front of me and the necessary proof. I once again reiterated to him that I would need the requested documents for the Probate Court and prior to any further action. He again became agitated and confrontational. He demanded that I was not in control and that I could not control and had o say in a date and in requesting documentation. 

While the estate would like to come to some mutually beneficial arrangement with the original debt holder, as Executor I must also have documentation for the disposal of any assets or settlement of any debts the Estate may owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Heloc loan was applied for on XX/XX/2020 with the wells Fargo Home Equity Group.  Loan originator 's name : XXXX XXXX NMLSR ID ; XXXX. I previously had a loan ( mortgage ) with WFC and paid off the house located on XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I told him that I would be purchasing a villa close to my work and closing on XXXX XXXX. They said with my credit, this would not be a problem. The loan was given to loan processor XXXX XXXX NMLSR XXXX. I have no debt, a net worth well over XXXX XXXX with liquid assets of XXXX. Fico score is XXXX. XXXX Military with pension and social security. I continue to work and make around XXXX or better a year with a consistent record. They gave me, in writing, approval ( tentative ). My house was appraised at XXXX and I was requesting a XXXX loan or less. My age, which apparently was the problem, is XXXX. They asked me what I was going to do with my current home and I sent them an email that I would likely sell it, but in my area, it takes long time, maybe 2 years. That objective changed as I stated to them that I would likely keep it to make sure of the villa. They notified me that my loan had been rejected two weeks before I was to close on the property. I just received a notice from them on XXXX XXXX, dated XXXX XXXX, that my loan had been declined due to " We do not offer the type of credit or the terms you requested. '' Nothing else was said WHY. This appears to be nothing but AGE discrimination since there is no other conclusion or reason why they would decline the loan. Of course, this has not only cost me time, but money, since it appears nothing will happen and I am now past the closing date. I have never been declined for a loan, never missed a payment, have a stellar record of paying off both business loans and mortgages ( some 20 ). Again, this appears completely to be AGE discrimination. I have consulted an attorney but will first follow this avenue. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus 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 non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I'm getting three to four calls a day from either XXXX or XXXX about a debt that isn't mine. I've asked them to stop calling me and have told them I will not agree to be robo-called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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:
These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} XXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} DEPTEDXXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}

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 2020-02-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2020-02-21 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: NC

Complaint narrative:
I have the app credit karma to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$3900.00} on the DIVERSIFIED CONSULTANT partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus 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 2020-02-21 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 just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from 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 2020-02-21 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: GA

Complaint narrative:
The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.

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 2020-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.

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 2020-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is follow up to CFPB complaints # XXXX loan # should be XXXX There are 3 loans in dispute with BMO Harris bank. 

All have extra principal not being 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 non-monetary relief
Consumer complaint received 2020-02-21 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: LA

Complaint narrative:
I noticed a credit card from XXXX XXXX. It is not mine. I contacted this creditor and informed them that this is fraud. I don't have this card and never applied for it. They are still reporting it on my credit and whoever has the fraudulent card is still charging on it because the balance is steady going up. XXXX XXXX never even closed the card out

Company response to consumer: Closed with explanation