vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: CA

Complaint narrative:
TRANS UNION CONSUMER SOLUTIONS On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX XXXX. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
TRANS UNION. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
TRANS UNION. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX  directing them to REMOVE this erroneous entry as well.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the erroneous information from XXXX   reported on my credit report. It was allegedly investigated by Equifax. They stated that it was verified, but they failed to provide me with there METHOD OF VERIFICATION. 

Equifax also failed to mark this item as disputed, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: MO

Complaint narrative:
I can not contact Experian to remove my freeze. Calling the following number does not give me an option to remove a freeze. I tried to remove it online, but that does not work for me. I mailed my information into them, but now I have no idea if there is a freeze on my account.

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 2020-01-28 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: TX

Complaint narrative:
XXXX XXXX has put this debt on my credit multiple times. I found the last complaint with the CFPB involving trans union that resulted in the removal. Complaint ending in XXXX. At that time XXXX XXXX did not supply Trans union with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. XXXX XXXX has a history of putting incorrect information on peoples credit reports which can be found at this link https : XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from trans union that they did not see the account reported any longer. XXXX XXXX, if you have re reported again, please comply with the law and remove effective immediately.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I recieved this loan in the mail, but I did not apply for this ( or any ) loans. 
The check is for {$1400.00} but the charges are {$890.00} and the APR is 69.99 %. 
These terms are clearly predatory. This is no better than a phishing scam! 
Also the check is issued by XXXX XXXX and they should be held responsible for participating in this garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
Had a payoff for a mortgage good thru XX/XX/2020, paid it off on XX/XX/2020 with the additional 2 days of per diem interest indicated on the payoff. After receipt of Payoff on XX/XX/2020, LakeView Loan Servicing is charging me foreclosure fees for a mortgage that has never missed a payment ( first customer service person told me I was 2 months behind, FALSE ). When I call them, I waste hours on the phone and NO one knows why they are charging the fee and cant give me a straight answer. I am in the XXXX  business, so I am very familiar with the loan process. Lakeview Loan Servicing thinks they can just brush me off and I will go away quietly while they make erroneous charges and no one will pay attention.

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 2020-01-28 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 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 non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Diversified consultants called me a week ago and we agreed that XXXX dollars would come out of my checking acct on the XXXX of XXXX and the rest in the middle of XXXX Then that same agent called today the XXXX saying that he would like to " set it up '' for XXXX XXXX and i said ok.. then i gave him my debit card info and he said it would do it and give me a reference number. he did say he would do it " now ''. of course since we were just talking about having it come out on the XXXX, it was understood that he was setting up the transaction for the XXXX then he comes back on the phone to say that he already took it out of my acct. I was furious.. that is NOT what we agreeed. so I asked for his supervisor. then XXXX, his supervisor gets on the phone and says it was a miscommunication, that is all and agrees to reverse it but it will take several days.. so now i will have checks bouncing due to the fact that money is coming out of my acct unplanned. when other items i planned for are being taken out. Diversitied Consultants lied to me and caused me undue hardship. they can not be trusted.. I have many times made arrangements with other creditors like this, taking out funds on a future date. I have never trouble like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America VISA CC # XXXX I am an elderly person, and my card was lost/stolen back in XXXX when I was visiting XXXX. I requested a replacement card, but never received it in the mail. Since BofA credit card was not the card that I used, and I spend a lot of time at hospitals due to my health conditions, I did not notice that I never received the card in the mail. However, and I really have no idea how, somebody has received the card in person, and repeatedly made fraudulent transactions at jewelry stores and electronic stores across XXXX. I have talked to the police and filed a report for the claims to solidify my case, and prove I was not the person making these charges. 
The police report information is as follows : Police Report # XXXX - XXXXOfficer XXXX/Badge # XXXX.The fraudster has done this with my account/credit card multiple times and I have filed a claim for each occurrence : Claim ID # XXXX [ closed/claim was declined without anyone from BofA calling me or asking me for more information ] Claim ID # XXXX [ Still being researched ] Claim ID # XXXX [ Still being researched ] Two of the claims are still being researched, however, one of them ( Claim ID # XXXX ) has just recently been declined, and my account has been charged for the fraudulent amount of $ 9,000+. Nobody from BofA bothered to call me to ask for more information or to inquire about how all of this has happened. They have just " determined '' that these charges are not fraudulent. According to law, I must not be held liable for any unauthorized transactions made with the card, if reported promptly. Right now, I am really scared that BofA might decline all of these 3 claims and I end up being held liable for $ 20,000+ in purchases that I did not make. Given all the hospital bills that I have to pay, I can not really afford to be held liable for such big amounts that I did not even benefit from. Please help me with these claims, and closely monitor them, so that this does not happen. I will provide you with as much information as you need. If there is any document I need to sign, I will do so. I am really scared regarding the results of these claims, and according to law, I should be protected. Please help me. 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 monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
FINANCE SYSTEMS OF TOLEDO IS ATTEMPTING TO COLLECT MONEY FROM ME FOR AN DEBT FROM XXXX PUBLIC LIBRARY. I RECEIVED A LETTER FROM THEM. THE DEBT WAS PAUD WITH THE LIBRARY WHO CONFIRMED THAT I DONT OWE THEM ANYTHING. FINANCE SYSTEMS SHOULD NOT BE CONTACTING ME REGARDING THIS.

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 2020-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for XXXX savings account. Acc. to them, I have placed a security/fraud alert with Equifax that is still active. Therefore, they state, they could not verify my identity and denied the application ( for a savings account of all things ). I contacted Equifax to inquire about such fraud alert or security freeze. A rep named XXXX at their XXXX location picked up the phone after 45 minutes of waiting time. XXXX 's XXXX wasn't very good. She asked about 7 security questions to which I provided the answers while looking at my online statements with the different creditors. As I became frustrated with the excessive " process, '' XXXX became hostile. She then told me that I have failed the security " process '' and she can't give me the answer about the alleged fraud alert. And there is nothing I can do, she added. I asked to speak to her supervisor. Supervisor XXXX came to the phone, ID # XXXX ( after much questioning ) -- acc. to XXXX, there is nothing she can do and I must write to several locations of Equifax to ask them about the security alert. I told her that XXXX must have inserted the incorrect information or must be dishonest about me failing their " procedure. '' XXXX was unable to explain to me the " procedure. '' ALL IN ALL, IT TOOK ONE HOUR AND 57 MINUTES. WHAT A MONUMENTAL WASTE OF TIME. I ALSO TRIED TO RESOLVE ONLINE THE ISSUE OF POSSIBLE ( AND UNAUTHORIZED ) SECURITY ALERT. XXXX AND/OR XXXX HAVE MADE SURE TO BLOCK MY ACCESS. 

PLEASE CONTACT EQUIFAX ON MY BEHALF AND ASK THEM TO REMOVE ANY ALERT OR FREEZE THAT MAY EXIST ON MY FILE. I DON'T RECALL EVER PLACING SUCH ALERT/FREEZE. 

I ALSO WOULD LIKE TO OPT FROM REPORTING WITH EQUIFAX GIVEN THE DISHONEST AND UNPROFESSIONAL CONSUMER SERVICE. 

I APPRECIATE YOUR KIND ASSISTANCE WITH THIS URGENT MATTER. 
THANK YOU, XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I have gone online twice to obtain a copy of my credit score and consumer report with SageStream credit reporting through their online portal. I have sent all the necessary documentation they have requested and have received nothing. On XX/XX/2020 I attempted to call on the phone and got a recording and they wanted me to leave a message. 

How does a credit reporting agency that controls such an important part of a persons life not be available to answer calls? Never even heard of SageStream until 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: FL

Complaint narrative:
This company has called claiming to be attorneys and process servers. It started after I moved and got a letter in the mail from Palmer Recovery Attorneys about a year ago. Not sure if its related but probably is. Not sure how they got my cell number since its pretty new. Today XX/XX/XXXX they called my sisters cell phone number looking for me and left a message saying they have made several attempts for delivery/fax order delivery and will make one final attempt and will go to my employer or home and that I need to call them for the delivery. Called from XXXX, call back # XXXX. Some calls they say XXXX XXXX XXXX XXXX, some they say XXXX XXXX XXXXXXXX, some they dont say the name of the company but that they have made several attempts to serve me and will make one final attempt. On some of the messages they give the last 4 of my social security number on the message and my address. On some of the messages they say they will attempt to deliver to my employer and my supervisor would need to be present and have my ID ready and on others they have said to have my pets locked up and weapons put away for the serving and to call a number to reschedule the delivery. They call from multiple numbers with the same message all the time for the last year. Some of the numbers show unavailable, some show local area code, different fake numbers every time. The call back numbers are different every time too so the company must change it so they cant be caught harassing or trying to extort . The numbers called from : XXXX XX/XX/XXXX gave callback # of XXXX, XXXX on XX/XX/XXXX call back # left was XXXX, XXXX on XX/XX/XXXX, unknown number on XX/XX/XXXX, XXXX on XX/XX/XXXX call back # given XXXX, unknown number on XX/XX/XXXX call back # XXXX, XXXX on XX/XX/XXXX call back # XXXX. Theres been more numbers too. Call sometime back to back like 4x. Total harassment. Got another letter from Palmer Recovery the other day about a year from the last one and the calls are back in force again. The letter is about an issue with my minor son from XXXX demanding me pay them. Like I said not sure if they are the same company as the process server but most likely it is.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-28 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:
On XX/XX/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my Equifax credit report from XXXX. I did not apply for any credit at that time. On or about XX/XX/2019 I called XXXX and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my Equifax report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my Equifax report from XXXX. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my Equifax credit report. I contacted Equifax and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Upon filing with this site moments ago regarding a different account ( of a Different party ) JP Morgan Chase Bank, NA is tying to use the other complaints issue to attempt an illegal foreclosure meaning that the last complaint should have not occurred whereas my home was illegally auctioned off on XX/XX/XXXX and the HELOC was part of it. This JP Morgan Chase Bank, NA by doing this is pushing enormous stress on me with these illegal out of the box paperwork attempts to take my home. The auction deleted the HELOC on that date and this JP Morgan Chase Bank, NA is repeatedly severly stressing me out to try and kill me knowing I have stress  related medical ailments that can take my life from me with this ongoing unrelenting abusive dirty filing of false documents into the Reg of Deeds and etc ... I should not have had to file the last complaint today, Chase should not have ever done this to me!! The auction in XX/XX/2019 deleted that previous complaints attempt to take my home. CFPB please stop them from this abusively mirage of terrorism on me. All and any alleged accounts would have been deleted voided out on the auction sale date of XX/XX/XXXX. STOP THIS ABUSE TO ME!!! THIS IS NOT A DUPLICATE COMPLAINT IT IS A COMPLAINT OF INTENTIONAL ABUSE TO ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 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