vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These aren't mine. Please remove them.

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 2020-02-06 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: CA

Complaint narrative:
I HAVE REQUESTED EQUIFAX TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO XXXX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED EQUIFAX TO UPDATE MY BALANCE WITH XXXX. THEY ALREADY HAVE THE WRITTEN PROOF FROM XXXX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NV

Complaint narrative:
This isn't my account. Please remove it.

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 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This isn't my account. Please remove it.

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 2020-02-06 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: NV

Complaint narrative:
This isn't my account. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Control Control ( FFCC ), ACCT XXXX, is erroneously reporting that I owe {$25.00} for doctor 's visits for a total of {$75.00}. I have spoken to two supervisors at FFCC and one clerk, XXXX, who have ignored my requests that they verify the information that they are adversely reporting to credit bureaus, but to date, they have refused to do so. 

The problem is that for three different dates of service, XX/XX/XXXX, XX/XX/XXXX, and XXXX, I visited my doctor 's office and immediately paid my {$25.00} co-pays for each visit, as mandated by the doctor 's office. I was informed that the doctor 's office, however, failed to bill my insurance company for each date of service. Instead, they sent the three bills to collections. Initially, the amount owed was more. After having several conversations with the physicians billing dept., the physician 's office finally billed my insurance and received payment in full from my insurace company. My co-pays were paid in full at the date of service for each visit. FFCC adjusted their collection amount to {$25.00} for each date of service and have not confirmed with the physician 's billing services that THE PHYSICIAN 'S OFFICE ACCEPTED PAYMENT, REMOVED THE ACCOUNTS FROM COLLECTIONS AND HAVE BEEN PAID IN FULL, THUS TERMINATING FFCC 'S INVOLVEMENT ALTOGHETER. 

I have spoken with XXXX, who works in the Escalations Dept at XXXX   Hospitals Physician Billing Services, XXXX. On multiple occasions, she has informed me that she has not only CALLED FFCC and told them to REMOVE THE ACCOUNTS FROM COLLECTIONS. She also confirmed on those several occasions that the accounts ARE PAID IN FULL.. I do NOT OWE ANY MONEY ON THESE THREE ACCOUNTS, XXXX  Patient Account No. XXXX. I called FFCC on XX/XX/XXXX and informed them of the same. They were uninterested in making the corrections to my account and unconcerned that they were misreporting debts on my credit report that I DO NOT OWE. I want the debts deleted from my credit report and I want sanctions brought against FFCC for misreporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WI

Complaint narrative:
I have made 123 payments to Fed Loan Servicing. The company continues to miscalculate payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As stated from Capital One, XXXX XX/XX/XXXX and XXXX 2018, My wife and I went to several car dealerships to request for a car loan to get a used car. However, according to their credit requirements unfortunately my credit score was insufficient for the car loan approval at that time. It seemed as though they pulled my credit report multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to get Equifax to unlock my credit for the last 3 and a half weeks when I realized it wouldnt unlock through their lock and alert app. I called them up and they told me it was a system wide issue and would be resolved within 24 hours. The next day I tried to unlock my credit and got a message error XXXX to call them. I was then told that they were going to manually unlock my credit report and it would be unlocked within 60 minutes. I have been calling them every day since. One person told me I needed to send in a copy of my license and social security card which I did 2 weeks ago and have a fax confirmation showing they received it. I have been calling them every day only to be hung up on and endlessly transferred wasting hours of my time. They keep telling me the escalated it to the proper department. Nobody at Equifax can tell me when my credit is going to be unlock. I need my report unlocked so my mortgage company can pull my credit and my loan can close. I was supposed to close last week. My rate lock expired and now I am paying XXXX higher because of this. I need my credit report unlocked immediately. I have verified everything and passed all of their identity verifications. Equifax has the worst customer service and could care less about helping me get the issue resolved. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.

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 2020-02-06 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: WI

Complaint narrative:
In XXXX XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XXXX  and were fraudulent. I initially contacted the creditors who were XXXX XXXX XXXX XXXX XXXX XXXX   and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my Equifax credit report. I sent multiple letters to Equifax to remove these as they were fraudulent and attached the police report. I then had to call Equifax and advise them to remove. They ended up finally removing on inquiry ( XXXX XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to Equifax and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the XXXX XXXX  inquiry. I have included a rough timeline of events below.

XXXXTwo fraudulent hard inquiries XX/XX/XXXXBoth creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XX/XX/XXXXPolice report filedXX/XX/-Called Equifax and they advised they would remove these XXXXMailed a complaint and police report to Equifax to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to Eqifax where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XX/XX/XXXX-Called Equifax to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a call from this number : XXXX They were pretending to want to verify my information for my XXXX  account and said my bank would contact me to verify. I then got contact by what I thought was PNC from this number : XXXX. 
Immediately I saw 3 charges taken out of my checking PNC account from XXXX XXXX on XXXX. 
The charges were for {$40.00}, {$470.00}, {$480.00}. 
I called PNC bank within a minute. Filed a report and was told I was 100 % covered. I asked what next step I should take and the person said wait for us to contact you. 
No contact from PNC so on XX/XX/XXXX I called again. The lady I spoke to could tell a fraud alert was put on my account but said no report was ever filed for those charges. I filed another report, and was again told I would be 100 % covered. I was told in 10 business days I would recieve a credit for those amounts but asked if that could be expedited because I had actually filed the report on XX/XX/XXXX. The lady agreed and said I would receive a credit within 3 days. Then I received a call from XXXX XXXX from Pnc on that 3rd day saying that it would be 10 days from XX/XX/XXXX to process the report. I now have recieved a call today saying that I am responsible for all the charges take from my account and will not be getting any credits, after being told over 3 times I was 100 % covered. It is now 15 days from the original event. My original report was never filed and I filed it before the charges even processed from my account so PNC neglected to handle this accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I started with freedom debt relief in XXXX of 2018, at that time they had me add all debts including a XXXX   and XXXX account. I also was told by them to get the legal plan that would cover me for any reason if a account took me to court but was told that if I get anything to just upload it to my dashboard. I was served for my XXXX account and XXXX and uploaded the paperwork and assumed I was all set until a sheriff showed up with a judgment saying I must pay back with 10 % of every paycheck. When I started the XXXX bill was under {$600.00} and now with intrest and fres I owe XXXX. I had over 4,000  in my freedom account at this time and it was never worked out, XXXX was around 12,000 when started and now they want XXXX. Freedom tells me that I should of called the legal team and not them when I got the papers but i called freedom and uploaded like they said. I feel scammed, because now it looks like XXXX  dose n't even work with the. So why would they have me add that account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Capital Accounts, LLC
State: SC

Complaint narrative:
In XXXX of 2019, Capital Accounts LLC reported to XXXX  that I made a late payment on a debt collection reported by their company. I've never made ANY payments for this reported collection amount to Capital Accounts LLC, therefore a late payment shouldn't have been reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I HAVE REQUESTED XXXX  TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO SYNCB/TJX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED XXXX  TO UPDATE MY BALANCE WITH SYNCB/TJX. THEY ALREADY HAVE THE WRITTEN PROOF FROM SYNCB/TJX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.

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 2020-02-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi CFPB, I recently found that there are certain incorrect accounts showed up on my Equifax credit report. 

All those accounts are XXXX  XXXX XXXX and showing that they are all open in XX/XX/XXXX or so. 

The truth is I never do business with XXXX  in my life and my first time Arrived in the US was XX/XX/XXXX. I had my first credit card around XX/XX/XXXX. 

I do believe I am the victim of the Equifax data breach and please kindly review that and take the right actions. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase bank has erroneously and fraudulently signed me up for payroll services in my checking account without my knowledge or consent. I have complained the business and they have refused to do an audit and refund me all the fees due. These fees range from $ XXXX {$25.00} a month and I have no clear understanding of what they're charging and why. I have contacted the bank and they are totally unhelpful!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
My mortgage was with Fay Servicing, I was in an XXXX & when I recovered I found that my mortgage company at raised my payment from XXXX a month to XXXX. I called & talked to my account manager, he told me to file for loss migration, I sent in the forms in XXXX of XXXX, I never was asked anything else, I got no response or communication. I called in again, my account manager told me to file again, I asked what happened to my first one, again no response. I sent in the forms, I didnt hear again, so I called, I was told they needed more paper work, again I faxed in, after four days, I called Again, I was told for more paper work, I asked why they wouldnt communicate, again, no reply. I hired an attorney with a loss migration specialist, she always made sure that had what they needed, I was denied as the letter said their investors dont participate in that program. I re applied, as the foreclosure sale was approaching, I was denied, another letter stating their investors dont participate in that program. Im still in the house, I have VA benefits, but because of their drawn out process, & the months behind, no other mortgage company would touch me. I feel cheated, & taken advantage of by Fay Servicing. They want me out bu XX/XX/XXXX, I feel like filing a law suit to get my credit back & the home I built with my own hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: IN

Complaint narrative:
I have an Dept of Ed/Navient account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/Navient verified the late payments as accurate. I received a email from Dept of Ed/Navient on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
NewRez had the mortgage on my home. I paid XXXX XXXX {$810.00} Home owners insurance on XXXX. Therefore my homeowners insurance was paid. XXXX said NewRez submitted {$810.00} from escrow. XXXX returned the check to NewRez Therefore there should be at least a {$810.00} overage in escrow. I informed NewRez of this overage and this is the response from NewRez. Claiming to send a check to me on XX/XX/2019. How could they refund my overage on XX/XX/2019 if there was not an overage until XX/XX/2019? I never received any check from NewRez for the excess escrow. I have all document to backup my statements. If NewRez have a copy of a received check I cashed please provided a copy. 

" RE : Subject Property : XXXX XXXX XXXX, AL Reference Number Loan Number : Dear Mr. XXXX : This letter is in response to your recent inquiry regarding the above referenced loan. NewRez LLC ( NewRez ) began servicing the loan on or about XX/XX/2019. Your refund was sent to you XX/XX/2019 in the amount of XXXX. If you have any additional questions or concerns, please contact our Customer Service department at XXXX. 
XXXX XXXX Department NewRez Servicing XXXX ( p ) XXXX ( f ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.

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 2020-02-06 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I already reached out to Transunion and to XXXXXXXX XXXX  and notify them of their error posting of information on myreport. I was never late on these accounts. I have been monitoring my credit report for anychanges since my several dispute letters, but I am yet to see the correction that I asked forand desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of thepayment history but I did not receive what I asked and these violations still persist on mycredit report.

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