vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit 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 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX and XXXX  finally removed the negative accounts on my report. Unfortunately, XXXX  has been refuse to remove the accounts and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, by the way, there are multiple accounts, all with the above mentioned collection, so I am now contacting the CFPB because I need all those collection out of my credit report, they are affecting me a lot.

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 2020-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX I emailed Ms. XXXX at ARS LLC along with a couple other people to obtain a statement for a private student loan debt ( XXXX XXXX ) sold to this company. Mind you, this company refuses to send statements to people even though this company was being paid through my debt consolidation company, XXXX XXXX and I thought one of the requirements of collecting a debt was to provide written statements. I notated in the email ( copy provided below ) that I called the company back in XX/XX/XXXX requesting a statement and one was not sent to me. XXXX XXXX from ARS LLC responded to me that he requested that a statement will be emailed to me ; however, the instructions of how to unlock the password protected statement was not sent in another email or even in the one that XXXX XXXX replied to me in. On XX/XX/XXXX, I emailed XXXX XXXX again to clarify the balance. I received a XXXX balance notice from my debt consolidation company stating that the balance was paid in full with ARS LLC. XXXX XXXX replied on XX/XX/XXXX at XXXX that my account was paid in full in XXXX this year, XXXX. I replied back to XXXX asking for a statement that my account was paid in full and did not receive a response back. I sent a follow up email on XX/XX/XXXX to XXXX and still have yet to receive a response. If my balance was satisfied in XX/XX/XXXX, why were they still cashing the {$50.00} monthly payments that were being sent by my debt consolidation company from XX/XX/XXXX to XX/XX/XXXX? Debt consolidation companies send each company their version of Power of Attorney to each company that includes their contact information and phone number. How come the company was not contacted that the balance was paid in full? Also, how come a company that is collecting a debt can not send people statements of their balance which I thought was required by law so that we know the debt they are claiming that they are collecting on is valid and consumers know their rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: IN

Complaint narrative:
I have a mortgage with ServiceMac LLC, transferred from XXXX Home Mortgage   several months ago. I sent in my XX/XX/2020 payment in the amount, or more than the amount, that I believed was billed. ServiceMac contends that I did not make full payment. I can not prove what my XXXX statement read, because I shred statements after payment has been scheduled through my bank. ServiceMac did receive the payment, that I scheduled, on XX/XX/2020. ServiceMac did not however apply the payment against any portion of my mortgage. ServiceMac contends that since it was not full payment, or more, that they can hold partial payment as unapplied until full payment is received. I would think that ServiceMac should still be required to apply whatever payment received against the mortgage loan.

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 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
The company called me on Monday XX/XX/XXXX, may have been Tuesday. He did not tell me of any recording before asking my name. I did confirm my name. He asked me to confirm my address or social security number, which i refused to do. I asked who he was and he gave me a name for himself and the company as Valor Intelligent Processing. At that point he gave out my information in the form of my address and he also told me the last four of my social security number. He had not confirmed my identity at this point so could not be sure he was talking to the correct person. I hope that it is illegal to broadcast my sensitive information in this manner. I also get numerous robocalls from this company, even after asking not to be called. I think the robocalls are legal unfortunately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}

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 2020-08-28 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}

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 2020-08-28 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: FL

Complaint narrative:
The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit 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 2020-08-28 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: FL

Complaint narrative:
The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit 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 2020-08-28 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: TN

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}

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 2020-08-28 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: TN

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}

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 2020-08-28 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: NJ

Complaint narrative:
On XX/XX/2020 I wrote a letter certified mail # to XXXX  ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.

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 2020-08-28 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:
On XX/XX/2020 I wrote a letter certified mail # to Equifax   ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
The IRS transmitted my Economic Impact Payment for a total of {$1200.00} via direct deposit into my checking account with PayPal on XX/XX/2020. According to PayPals terms the government direct deposit may not post to my account for 3 - 5 business days. It is now XX/XX/2020, which is 8 days since my deposit was transferred from the IRS to my PayPal account. There is still no pending or completed transfer on my account. I have reached out to them, but have not had any response or contact from a representative about my current situation. I have waited patiently for 8 days for the IRS direct deposit payment to post to my account, but the PayPal company has fraudulently held my money for a far longer extended period of time than was expressed in the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, a check for the amount of {$8600.00} was withdrawn from my account with a stolen check and a fraudulent name that was added to the check without my prior permission or knowledge. 
I contacted Bank of America and the police and so far BOA has done nothing to remedy the problem. They have closed of my account by placing a pending debt hold of {$880000.00} without notifying me, they have also not done anything to get my money back. I have been calling for over a month and every time they would tell me a different resolve date and tell me someone would get back to me within 24-72hours and to no avail! 
I need this fund back in my account for a very urgent transaction and as its such a large sum and I can not just withdrawal it from somewhere else. 
Bank of America has completely ignored my issues and kept postponing the date and the process. Initially they told me it would take two weeks, then it became 30-60days,  upon my last conversation with them, it has gone up to 120day or more!

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX est Spoke with XXXX XXXX at Shellpoint Mortgage. Advised him that my local DMV had told me that XXXX XXXX XXXX still held the lien to my single wide mobile home. However they sold out to XXXX, then to XXXX which filed bankruptcy. Online search shows all accounts were obtained by Shellpoint Mortgage, but XXXX XXXX said he had no information for our account being in their system. I am in need of an acceptable payoff amount for my account, as I need to sell the single wide mobile home. XXXX XXXX said he had used all the resources there to help me, he was very kind and helpful. We used all information that I had to offer but were not able to resolve who has my mortgage. The balance from the last communication was {$6500.00} or maybe a little more, I can't recall exact amount. 

I need my credit report to show that this debt has been paid and be able to receive my title so that the sell can take place. 

With thanks, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit 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 2020-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: MO

Complaint narrative:
This dispute has been going on now since the end of XXXXbeginning of XXXX of XXXX with XXXX XXXX XXXX as we had them and their partner XXXX for both our internet provider and satellite TV provider. We would receive one bill and they would split it up as that was the deal that was given to us when signing up with them. When we decided to cancel with both of them at the end of XXXXbeginning of XXXX, we paid our final bill and was told by XXXX billing that we had a refund coming back to us which we received after turning all of our equipment in and making our final payment. XXXX XXXX XXXX has since stated we never made our final payment to them even though we paid the invoice received showing final bill. All of our payments were made online through their billing system in the total amount of {$160.00} each month and XXXX XXXX XXXX would distribute it as needed. They stated it was the portion for XXXX. Starting in XXXX XXXX  we chose to switch to XXXX XXXX. The communication between the companies billing departments I explained to them needs to be worked on because the customers money needs to be applied to the correct accounts so these type of issues don't keep happening. I've now been dealing with this for several years and it just keep going from one collection agency to another all because 2 billing departments won't communicate with each other. I paid my final bill with XXXX XXXX XXXX and XXXX. One company says it's a XXXX  balance while the other won't listen every time I contact them. I've disputed this before on my other credit report and it was removed now they've put it on the 2 that they didn't have it on previously. It's for {$100.00} and they keep trying to ruin my credit for that. When looking at the rest of my credit you would be able to see that I pay all of my bills so for this one company to try to lie about this over and over is ridiculous. I know other customers of theirs that have had problems with their billing department as well. They should seriously be looked at as to how they do business.

Company response to consumer: Closed with explanation