vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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 SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-26 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient reported to the Credit Bureau incorrect information. They  reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both Navient and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high 780 's score to low 600 's ( from Very Good to Fair credit ). Totally  unfair to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681ib in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NJ

Complaint narrative:
XXXX reported to the Credit Bureau incorrect information. They reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both XXXX and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high XXXX 's score to low XXXX 's ( from Very Good to Fair credit ). Totally unfair to say the least.

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 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
NEVER HAD A ACCOUNT WITH THIS BUSINESS

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 2020-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Near the beginning of 2016, I reached out to Nationstar Mortgage, who was servicing our mortgage at the time, to obtain a loan modification. I was offered a loan modification, which required that I first make three trial plan payments in the amount of {$1000.00}, beginning in XX/XX/2016. 
On XX/XX/2016, Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
On XX/XX/2016, Nationstar Mtg received the second trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
In XX/XX/2016, we sent the third ( final ) trial payment to Nationstar Mtg in the amount of Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}, although the statements maintained by Nationstar Mtg do not reflect this payment. They instead asserted that we made a " partial payment '' and the monthly statement reflects a " partial payment ( unapplied ) '', although the statement does not show that this payment was received in the transaction history. If you look at the previous statement dated XX/XX/2016, in the section labeled " Past Payment Breakdown '' you will see two partial payments, one which includes an amount of {$1000.00}, and a Year To Date total of {$1000.00}. On that statement, you will also see a payment in the Transaction Activity in the amount of {$2300.00}. This statement includes multiple errors. Our bank records do not coincide with Nationstar 's purported accounting. Our bank records reflect the first two trial payments in the amount of {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016, and {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016. There are no other withdrawls from our account for the XXXX ( third trial ) payment, not for the amount we actually paid in XXXX ( {$1100.00} ) nor for the partial payment amount ( {$1000.00} ) that Nationstar purports that we paid. 

On XX/XX/2016, Nationstar Mtg. sent us a refund in the amount of {$1000.00}. They rescinded their offer to modify the mortgage, and told us that they would not accept any further payments from us unless the entire balance was paid in full. Seven days later, on XX/XX/2016, Nationstar Mtg filed a foreclosure suit against us. 

These servicing errors have forced us into foreclosure. It would be unjust for Nationstar Mtg to sell our homestead property at foreclosure auction, and request that this issue be further investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
This debt is more than 7 years old was removed from my credit report in XXXX because it was 7 years old and then re added by a different company. I never received notification other than XXXX XXXX. The date reported as opened in XX/XX/XXXX that is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
My social security number has appeared on the dark web. I was notified by XXXX  my social security number was part of the data breach. My account was hacked and money was transferred and stolen. I did not receive any money and did not apply for any loan. I have filled out a police report and sent several to all parties involved yet my name appears on National Credit Adjusters file and appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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:
Back in XX/XX/2019, a credit monitoring company, XXXX, tried to remove XXXX  XXXX Inquiry on my behalf from Equifax, but Equifax has not removed this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XX/XX/XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/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 2020-03-26 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX  Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXXXX/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 explanation
Consumer complaint received 2020-03-26 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, COMPLAINTANT had applied for one of Wells-Fargo 's credit card products using online and phone calls. It was denied with reason " Identity can't be verified '' and representative ( s ) recommended visiting local branches nearby to complete this application. However, an application using identical name/address/SSN was granted credit line ( cards delivered ) with a different bank or had identity verified for leasing other merchants ' services without having to visit a branch or run into " Identity can't be verified '' problem. COMPLAINTANT asks that Wells-Fargo look into how this has occurred, as other applications pertaining to credit reports processed through major credit bureaus usually do not produce such results. It seems like a possible internal error within Wells Fargo. Though COMPLAINTANT recognizes and acknowledges Wells-Fargo 's right to refuse to service to anyone for any reason ( as long as it doesn't pertain to discrimination based on age/religion/gender/nationality ), COMPLAINTANT will retain the assertion to describe Wells-Fargo employees as having bias against the COMPLAINTANT, thus required unnecessary authentication procedures beyond what's already available, something they do not require onto others. Wells-Fargo can feel free to show that other applications were also rejected and had asked those applicants to visit a local branch for something that can be done online ( on the same criteria used against the COMPLAINTANT to have him visit a local branch ).

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 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Some strange behaviors from multiple employees have been noticed from using Ally bank. ( 1 ) Check with lesser amount than the amount written on check was submitted and deposited at that lesser amount, despite the assured reviews and checks that are performed by automated systems and employees to correct the amount ( 2 ) It has failed a total of 3 possible interventions until 4th call was made. a ) automated/manual review that checks submitted amount against the value written on actual check, b ) secure messages sent from the website that Ally insists are always answered, c ) a call to inquire about the issue and put a case note, d ) a follow-up call to finalize after amount has been posted. ( 3 ) Check submitted with a higher amount than the amount written on check had its value successfully corrected, meaning the system is working. But not for earlier incident. ( 4 ) Mobile banking feature was used to try and send a large amount that was later cancelled. Other subsequent mobile banking transactions have successfully made through. ( 5 ) Weeks later, mobile banking feature was used to send a lower amount and has triggered a fraud alert. Upon calling abut the " Mobile banking lock '' and failing its security  checks, On XX/XX/XXXX, Ally went even further and suspended COMPLAINTANT 's entire account. Although it's understandable that someone could have impersonated the account holder, representatives at Ally couldn't give a clear explanation on why this wasn't triggered when a larger amount was involved. COMPLAINTANT uploaded/emailed photo ID, social security card and a utility bill per Ally 's request on this unfounded authentication check. On XXXX, Ally representatives denied to unlock the account as these documents did not have enough to support the unlock. Finally on XXXX, COMPLAINTANT had his account unlocked only using date-of-birth and social-security-number via the call with Ally representative. COMPLAINTANT is against puzzled as to why Ally did not ask those for those earlier. 
Yet do this day around XXXX, Ally is careless in handling XXXX payments in time. Ally can feel free to show that it takes days and weeks to process payments based on contacts that might have already received payments from the COMPLAINTANT in the past or were recently added. Ally has the right to process payments or retain security postures that it deems necessary, or even to refuse service to anyone ( as long as not based on gender/age/religion/nationality ), COMPLAINTANT would like to retain the right to assert that some/many/all employees of Ally have a bias against the COMPLAINTANT, thus require additional authentication that they not require onto others.

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 2020-03-26 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: PA

Complaint narrative:
They keep saying my XXXX  XXXX credit card is closed witch makes my credit drop it has happened three times I fight it they fix it and put the points back and each time with in for days they take them again and say the card is closed and they are not even reporting the other XXXX  XXXX card I have and the other credit companies are reporting them and I called XXXX XXXX they said they are reporting the account is open and they tried to call to rectify the problem with transunion but and had a tried to have a conference call with me and them but the transunion representative said they can not do it because it's a Privacy issue and could only speak to me even though I was on the phone to ok it and he said XXXX XXXX explained the problem and we could take care of it but after XXXX XXXX hung up the gentleman told me that it was being reported to them as closed even though XXXX XXXX just told them it was a open account and said he could not do anything then a few days later they fixed it and a few more days after that they said it was reported that it was closed once again my account is open and my credit report should reflect that

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