vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-08-11 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, 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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MD

Complaint narrative:
Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, 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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I was diagnosed with a XXXX XXXX XXXX XXXX and my XXXX XXXX doctor recommended XXXX. I contacted a recommended doctor for a second opinion. Upon calling the doctor - XXXX XXXX at XXXX XXXX in XXXX   XXXX, New York, I asked whether they accepted my insurance as I was only going to get a second opinion from an in-network doctor on my plan ( XXXX XXXX ). XXXX XXXX explained to me that they were in my network and that no charge would be imposed for a consultation other than a copay. 

I went for the consultation, paid the copay and ultimately opted against XXXX. 

I began to get bills from XXXX XXXX for {$140.00}. I discussed with them the issue - that they had told me they accepted my insurance - and they explained they no longer were on the plan. I contacted my plan and I filed a complaint with the XXXX Department of Financial Services. 

Since that time I am now being sought by XXXX XXXX XXXX XXXX ( Letter dated XX/XX/XXXX, Account # XXXX ). I am filing a complaint against the collection of this debt given that it is unlawful.

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 2020-08-11 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-11 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: AMERIS BANCORP
State: GA

Complaint narrative:
Ameris Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit 130pts. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, Ameris Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I initiated a promotion with my Bank of America credit card, for a direct deposit to my checking account at a 3 % transaction fee with no interest for 18 months. A month later, I utilized the remaining available balance on my credit card with the same terms, as I understood them. I am now being charged a monthly interest rate on the second deposit, in addition to the transaction fee I was charged to initiate this transfer 2 months ago. I called customer service to resolve my concerns, for which I was told that the terms of my promotion were not available for the second request and that I was now responsible pay those interest fees each month as it was not part of a promotion. There is no way on earth that I would have accessed any available funds for a 3 % up-front charge, to have a 20 % APR accrue immediately. The most that the customer service supervisor has been willing to accommodate this so-called misunderstanding is to the tune of {$42.00} as a one-time courtesy, while these illegitimate interest charges continue to accrue. I am otherwise a loyal Bank of America customer, that is extremely disappointed in this recent lack of customer service and willingness to correct such an obscene " misunderstanding '' to this predatory lending practice, which is also contrary to my understanding of the agreement and promotion that was available to me. I have asked for the supporting documentation of this transaction, for which I have been told that the only record is on my statement which arrives a month later. This is not what I agreed to, nor is it an ethical lending practice - in particular when I was misled to believe I was taking part in a promotion, as I had done on the very same account - with the same terms only a month earlier.

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 monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: AR

Complaint narrative:
This company Eastern Revenue Inc are harassing me for debt and reporting false information to the credit bureaus on which I have no knowledge. I have never heard of this company nor have I agreed to do any sort of business with them. I have no written or verbal agreements whatsoever with this company. I would like to give you information such as an account number for this alleged debt however as I have never done business with them, they have not provided me with such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: VA

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian, XXXX and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am the owner of a XXXX XXXX ( XXXX XXXX ), and I own all the share, and I am the holder of all the XXXX postions. I took a commercial mortgage out in XXXX with XXXX XXXX XXXX in XXXX, and we renewed every 4 years. In XXXX my credit rating went down, but I never missed mortgage payments to XXXX XXXX, yet I was sometimes late. I paid my original balance from XXXX to XXXX, and we could not reach a deal in XXXX, so XXXX XXXX XXXX sold my note to a company called cach llc. Cach llc then offered me a deal to pay off the note in 36 installments at {$1000.00} per month. I paid the note off in XX/XX/XXXX which was way ahead of schedule. Cach llc went bankrupt and Reusurgent Capital Services out of XXXX, sc ended up with my paid off note, and I think mortgage. I thought I was mortgage clear. I got an offer to buy my building in XX/XX/XXXX, and when the buyers title company contacted me I discovered my XXXX  had a mortgage lien. XXXX XXXX informed me that Resurgent Capital had the mortgage and the note. So I am sitting here with a chance to sell my paid off property and I have a mortgage lien which should been released in XXXX. Myself and the lawyer for the title company have called XXXX XXXX and resurgent capital services, and we have been bounced around from one person to the other, and we even sent certified mail giving them a 15 day notice, and letting both companies know the ohio law. Resurgent nevers gives us a contact person, and when we speak to someone they give us a first name, and you never get to talk to that same person when you call. Reurgent claims XXXX XXXX XXXX never assigned the note, and XXXX XXXX   said they can not release the mortgage. I do not want to lose my buyer. My loan is under my XXXX  XXXX XXXX XXXX. I need your help to tell these people to release my mortgage so I can sell my building. Reurgent agrees I paid off the note, and I can not understand why they are holding my mortgage and note, and XXXX XXXX is not cooperating. My buyers even gave me down payment earnest money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am an individual with perfect credit and have had my Barclays loan for several months without issue. 

Back in XXXX Barclays extended me a deferment due to Covid. And asked that I put a stop payment with my bank ( XXXX XXXX ) for the autopay that was setup. And advised the next payment would be due in XXXX. 

First week of XXXX, I make a payment online at Barclays, days later the payment shows as Barclays as posted. 
Then several days later I get another email stating another payment is due, I login and see that the XX/XX/XXXX payment is posted but another payment is due, so I go ahead and make a payment for that as well. 

Then in early XXXX, I get another email stating another payment is due. 
Even after I see online that XX/XX/XXXX and XX/XX/XXXX payments were posted. 

And now the system is also showing me past due. 

So I call barclays and do some more digging in the online system, only to find out that Barclays was showing incorrectly that XX/XX/XXXX and XX/XX/XXXX payments were posted, they had infact been returned. 

Barclays said XXXX XXXX had not honored the payments. 
I called XXXX XXXX and found out that there was a stop payment put in place since XXXX that had not been lifted, whereas I was under the impression that the stop payment was just put on there for one month. 

I went ahead and fixed this issue and made the payment. 

However, I have been marked late for the month of XXXX for my Barclays card.

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 2020-08-11 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: NY

Complaint narrative:
XXXX XXXX is reporting a XXXX collection account to Experian & XXXX. in the amount of {$580.00}, this balance was paid in full in XXXX. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$580.00} Account Status : Derogatory

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 2020-08-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX incorrectly reported me late. I reached out to Experian and XXXX  and they " investigated '' One day later the incorrect information was upheld. Im furious, XXXX get an intelligent person at 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 non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank opened two credit card accounts without my authorization. For many years, i had a checking account overdraft protection with Wells Fargo. At some point, Wells replaced this with a credit card account. I did not authorize the opening of a credit card. A couple of years later, they opened a second credit card account. 

I did not want the first credit card, let alone a second new credit card. I was in a tough spot though, because i did need the overdraft protection. I'm not sure if I gave up my rights by not objecting at the time, but I know that canceling a card goes against one 's credit score, so i felt trapped. 
After being more than 90 days late on one of the cards, Wells abruptly closed the account and demanded payment in full. 

I don't deny that i have a balance to the extent there was overdraft. I have requested that Wells refund the charges associated with the credit card including all fees and the difference in interest rate. 

I have never used the credit cards to make purchases.

Wells refused to make any concessions. Now we are in court and they are papering me with document requests. Please know that my requests ( multiple ) for my authorization of opening the credit card accounts have been ignored, including by their attorney. 

Is there anything the CFPB can do to help? 

Many thanks, 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 monetary relief