vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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 AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 AM A VICTIM OF IDENTITY THEFT.

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 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NM

Complaint narrative:
Debt is between XXXX and XXXX. Phone were traded into XXXX and XXXX says I owe them for the phones. Sunrise Credit represents XXXX and un-lawfully re-aging reports of Debt Collection on my SSN and messing up my credit. Here is a sample of the Illegal Re-Aging practice as reported to all 3 credit agencies : Collections SUNRISE CREDIT SERVICE has flagged your account as Collections.

Yesterday Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Collections SUNRISE CREDIT SERVICE has flagged your account as Collections. 
XX/XX/2020 Loan Paid

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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
My prior mortgage provider - XXXX - sold the note to Selene Finance. I called them to see if they would be open to a refinance. The agent straight out said - Selene does not refinance. How ids that even possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I closed the loan in XXXX and mailed a check that was converted to an ACH payment on XXXX and taken out of my checking account. The coupon that came with the loan paper work was mailed with the check. I mailed a 2Nd check with the coupon and it was converted to an ACH PAYMENT that was taken out on XX/XX/XXXX. The 3rd check was converted to an ACH and taken out of my account on XX/XX/XXXX. The loan finally showed up on their web site and I was able to monitor it. I made at least 8 calls to SLS trying to get this taken care of and to get them to find my {$3600.00}. And was promised 2 phone calls from supervisors and have not received 1 call as of yet! Today I received via mail a check for {$2400.00} stating SLS doesnt service this loan. Please help me get this straight. Im not making a 4th payment ( XXXX payment ) until this is resolved. I still have {$1200.00} missing!

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have a delta skymiles gold credit card via american express. This product has an annual fee from 2nd year forward of {$95.00} annually. American express failed to provide me options on their no annual fee airline card during initially agreeting to get this card and during the life time of this card account. i had to find this out on my own. This is deceiving sales tactics. I asked them to refund me the fee for XXXX and now XXXX, they are refusing to refund the $ XXXX/year fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DTEDXXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX

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 2020-07-30 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DTEDXXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX

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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/2020, I was selling an item on the app XXXX XXXX  which a potential buyer wanted to purchase the item for {$350.00} and have it shipped overnight via XXXX. The buyer wanted to send me the funds through Cashapp. In order to obtain the funds I was told by support at Cashapp that I had to extend my " business credit limit '' in which I was to send {$300.00} to a " customer service Tag. '' After sending that money, I was later being told that there was a problem with the buyers account in which they ( cashapp support ) requested I can send a refund payment of an additional {$500.00} via Cashapp after which they shall then credit my account with the total payments of {$1100.00}. Also telling me that I can send the refund via cashapp or a Visa Gift Card from any outlet and sending details of a scanned receipt for verification so they can credit my account of the pending {$1100.00}. At that moment I knew I was trying to be scammed of more money, which I didn't have in the first place. I had tried to reach out to Cashapp by calling their phone number posted on the internet, and also had sent a message to their XXXX page and got no answer or results back from them. I tried to request a refund from the customer service Tag, but the person has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
1 - XX/XX/2020 Received phone call from XXXX XXXX XXXX, Representative, XXXX XXXX. 
2- Claimed that they had sent a letter out previously concerning a credit card debt with HSBC in the  amount of {$2500.00} 3- Insisted that I either pay now or make arrangements to pay or I would be reported as " Refuses to Pay ''. 
4 - I informed XXXX XXXX that I have received no written correspondence concerning her claim and that there is nothing on the credit report from HSBC. 
5- She then sent me an email and we agreed for her to call back XX/XX/2020 6 - I printed the email and mailed a letter to XXXX XXXX XXXX and HSBC asking for verification of the claim. 
7 - XX/XX/2020 XXXX MST. XXXX XXXX Called back a day earlier than scheduled. 
8- I informed her that I had sent a letter asking for verification of the claim. 
9 - She insisted that the emailed letter was verification. That is a Lie - No copy of a billing statement was included with the email. 
10 - She also stated that a previous letter was sent by mail over 45 days ago. I asked if it was sent by certified mail. She said that " Yes, it was ''. I asked for the certification and tracking numbers. She said the she didn't have it. Because it was sent by someone else. 
11 - I said that I'm not refusing to pay. There are many scams. I just need verification.

She stated " See you in Court '' and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE XXXX  XXXX  XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-30 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}

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 2020-07-30 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}

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 2020-07-30 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: AFNI INC.
State: GA

Complaint narrative:
AFNI Inc has 3 accounts listed that do not belong to me. Only one has a balance owed. Enclosed is 3 attachments of the erroneous accounts. And a copy of my complaints I sent to AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of 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.

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 2020-07-30 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 a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of 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.

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 2020-07-30 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX  XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2020 I attempted to unfreeze my credit report with Experian in order to apply for a mortgage refinance. Because I was part of the XXXX  breach, I keep my credit report frozen. I was able to easily call XXXX  and XXXX  to lift the freezes there, but had no luck with Experian. I attempted to remove it online by entering my social security number and Experian pin. It said it was " unable to process at this time. '' I then tried to call. I entered my social security number and pin and the automated teller said that they were " unable to process at this time, '' and instructed me to send a letter requesting the freeze and include proof of social security number, driver 's license, and proof of address, such as a utility bill. I tried joining Experian as a member, but it still did not work. I called three separate corporate numbers, included a different number listed for members, and no number included the option to talk to a person. Every call resulted in the instructions to mail in my request, allow 3 days for processing, and lead time for the letter 's transit. 

My mortgage refinance rate expires ; but I have to paper mail a request for my own credit and do not have the option to talk to a representative.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
For the last 2 weeks I've been trying to activate the eipcard I got as part of the stimulus. I call the only number available that it claims is for customer server 24/7. I follow the directions and press 1 for customer service or to activate the card. Then it asks and I put in the card number. Next it asks for and I provide the last 6 digits of the Social Security number. The recording then says " We're unable to process your request at this time. Goodbye. ''  There is no other phone number for this card or a way to contact customer service on line. The only other way to contact them appears to be an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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