vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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: Porania, LLC
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I have reached out to my mortgage company about a loan modification that they say that I received but the information is not accurate that they have sent to you the paper work has many different dates on it and there are suppose to be 52 pages and there are not they put in pages of different things and none of them make sense. Rushmore Mortgage has sent me numerous letters saying that they have to do more research on finding the information that I asked them for proving that I did a modification and I have yet to receive proof of this. We have had five different mortgage companies and we never did a modification. We were trying to do a modification but were never approved in fact we were asked to send over money in order to get a modification done. We do not know why if anyone got a modification why would you have to pay to get it done? If someone would look at the paperwork that Rushmore sent over it does not reflect much of anything other then them trying to charge me for something that I did not sign for. Too many different dates and too many different papers that do not add of to what's going on with the mortgage. The dates do not match. I am not satisfied with the results of my complaint and therefore I am asking for assistance concerning this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more tha 6 months and It won't let me access it. 

I have changed all my passwords, the card is correct and everything seems fine. 

I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. 

I need it to pay my bills. I've written more than a hundred e-mails and I always get generic responses. Can someone please help me? 

XXXX XX/XX/2021 I have approximately XXXX. 

COINBASE CASE : # XXXX Thank you, I await a reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
I contacted the credit Bureau to inform them that I was not aware of who this collection companies from they subsequently put it into dispute mode instead of using the letter that says to remove it which I obtained from the credit collection company and now put me into a 30 day delay mode. 

upon six hours of phone calls to him and being exhausted I have no course but to file this complaint I hope you can assist in getting this matter taken care of but every time I contact their specialty department to help me I get nowhere it's like they don't care.

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 2021-08-04 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: Credit Karma, LLC
State: PA

Complaint narrative:
A Credit Karma savings account was opened without my authorization. I accidentally clicked a link and then a savings account was opened. No disclosure was made clear to me. When I attempted to close my Credit Karma account I was not able to close the credit monitoring account because the savings account was open. I was not aware that I had a savings account open so I contacted support and had it closed in XX/XX/2021. I tried again today to close my Credit Karma account but it was not able to be closed because the savings account exists, even though the savings account is still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
After I was made aware that they were investigating my first complaint via this agency, they update my credit report by only removing the settlement amount from my insurance company not the complete removal allocating the difference between payments of settlement and amount owed. I have continually supplied Mercedes Benz financial with the gap insurance documents concerning said vehicle and policy that was purchased straight through their company. When looking through my online account with Mercedes Benz financial they currently state that I owe XXXX dollars in XXXX of XXXX. They continue to falsely report on my credit report, honor the gap insurance purchased via Mercedes Benz financial themselves and now are holding up millions of dollars in EIDL funding due to their misreporting that a balance of approximately XXXX dollars is actively owed on the account. This account is closed and paid in full yet they refuse to close it out in a timely manner and in concerns to all insurance and/or financial institutions which operate in this great country the USA they must act in good faith and if not they risk civil penalties concerning damages suffered by such bad faith actions including but not limited to monetary damages suffered. The employee investigating the first report does not return calls or questions and Mercedes Benz Financial continues fraudulent reporting to the credit bureaus forcing me to make payments continually in order to secure more payments while they delay in their first investigation of the primary complaint. They have collected over XXXX dollars from me in addition to the settlement received from XXXX. Customer support was contacted this day of XX/XX/XXXX as representative XXXX, refused to release last name, assisted confirming no payment due until XXXX for some odd reason as the reasoning was unknown to even him. He advised that they will continue to report payments and active status until finished in processing which now has been over 4 months. Settlement negotiated that of XX/XX/XXXX as advised of total loss settlement by XXXX customer service. Mercedes Benz financial agreed to release the additional payments made to account through their blackmailed activities forcing me to pay for this entire period. Now today this customer service agent states no such notes are on the account. The lies and deceptive nature of this institution will be evident through my pursuit of reasoning of such activities must be addressed and damages paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the credit Bureau and I spoke to someone there who's been assigned to me by the name of XXXX and this person never replies to me or assist me continues to argue with me and refuse to take care of everything thinks he knows everything about my credit. 

I informed him that there was an inquiry dated XX/XX/2020 that was done in accident and should be removed and I have the letter from the creditor asking for its removal he absolutely was taunting ignorant and refused to assist me. 

today upon talking to his manager XXXX XXXX asked me to send that letter and information in so that it can be taken care of but I'm still filing this complaint 'cause it still shows 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 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
I have recently become aware of Wakefield and Associates collection agency reporting dates of service multiple times. As an example, Reporting date XX/XX/21 for date of service XX/XX/21 with multiple reports on my credit report. 2-5 times duplicated of same date of service. There are so many multiples it would be difficult to dispute on my XXXX  and XXXX reports. I contacted two representatives tonight trying to explain my circumstances, to no avail. They kept telling me I had 38 collections. Of course I do, with multiple reporting on the same date of service. All I want is for them to be investigated and multiple reporting taken off my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
I received a copy of my credit report and found an account that does not belong to me. I did not open this account. The account is with XXXX XXXX XXXXXXXX XXXX. I do not have any accounts with this company nor have I ever.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
When trying to open an account, I am unable to due to information on my XXXX XXXX report which I have disputed but shows accounts that have been closed and not paid however all debt has been paid and I owe nothing to those previous banks

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report was placed with an area called consumer affairs with this cre4dit reporting agency. they have just flat out been horrible to deal with there is an address that reports that is not mine and every once in a while it comes back which makes other items that report with my name and that address populate that may not be mine or may be inaccurate. 

I've made it very clear to them to delete it and suppress it like the other bureaus have but they have refused to do so. 

I guess this credit reporting agency does not like to follow the FCRA laws or the mixed file rules and regulations on how to correct things and suppress things so that things don't re report. 

so once again the address on XXXX XXXX is not an address that I live at, use, or have credit associated with and if one of the institutions I deal with is somehow using it I'll reach out to those institutions too and let them know but I'd like the address suppressed my address should be the address that's on my profile with you and on my profile with them and nowhere else.

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 2021-08-04 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
The Lender GMC Financial has inaccurate reporting on my credit history. First with XXXX XX/XX/XXXX the are report my account as okay, but on XXXX  it's reporting as 30 days late XX/XX/XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account.

Lender is also reporting that I had one 30 days late payment in XX/XX/XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XXXX XXXX  PST I received an alert on my phone from XXXX ( XXXX ) XXXX-XXXX  to my mobile phone. It alerted me with fraudulent activity for XXXX XX/XX/XXXX {$10.00} Declined, XXXX {$21.00}XX/XX/XXXX Declined, and {$3500.00} XXXX approved XX/XX/XXXX. It also stated if I recognize the activity, reply Yes. If not, reply No. Bank of America said Thanks for confirming your transaction you will be receiving a call shortly. Shortly after, I received a call from Bank of America Customer Service XXXX ( XXXX ) XXXX-XXXX. The agent gave me her agent number and reported that there's fraudulent activity from Texas XXXX, XXXX XXXX, and XXXX. She said the first two transactions got declined, however, XXXX went through and stated that I needed to reverse the transaction. I was skeptical at first, but the fact that it was a Bank of America number, and I do get alerts from Bank of America, I thought they were who they say they are. She walked me through the process of " reversing '' the transaction with XXXX ( which showed up on my email as XXXX XXXX with XXXX ) and said that a new debit will be mailed to my parent 's address ( in which I am currently visiting as my grandmother is ill at the moment ). On Monday, my debit card did not arrive. Today XX/XX/XXXXTuesday, my card still has not arrived so I called Bank of America and they transferred me to fraud. The department let me know I am a victim of being scammed and mentioned that they will file a claim. On my end, I wanted to make sure I file a report with as much information so that this does not happen to anyone else and that people do the right thing.

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 2021-08-04 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: NC

Complaint narrative:
I noticed on my XXXX XXXX Account with TransUnion and XXXX  that there were a couple of medical accounts that were added that I have no knowledge of. I never went nor received medical services from the facility listed in the collection account. I disputed 2 or 3 of them successfully with no problem. However, I recently tried to dispute another one with the same medical company with XXXX collections agency and it was said to have been determined to be " accurate ''. I have never lived nor have I ever received treatment in XXXX. Also I have noticed that there is now another name that comes up with my report. I believe his name is XXXX ( I tried to find the guy whose name was listed on my Credit Report but when I filed my dispute the name is no longer readily available for me to see ). I tried to call TransUnion to have them investigate and further more remove this person from my account along with the inaccurate accounts. The lady with TransUnion kept asking for me to mail her my Social Security Card. To me that is NOT safe and NOT something that I would ever be interested in doing. My concern is I am reviewing my TransUnion report and now my XXXX  reoport and both of them are incorrect. XXXX  XXXX  has accounts that TransUnion does and Transunion has some random person now connected to my SSN. I need help in fixing this problem without having to see personal documentation. Essentially I am NOT the " XXXX '' character who was seen at the XXXX hospital and XXXX XXXX. I also have NOT finished getting dinner in the same sentence. How do I know which report is accurate an which report is now?

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 2021-08-04 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: VA

Complaint narrative:
I filed for BK chapter XXXX in XXXX, My credit report is showing incorrect information as " delinquency '' on accounts that are included in the Bankruptcy. 

I have Auto Loan that has been paid off and still showing as delinquent. 

I also have a Mortgage which I am paying on time and it shows as " delinquent '' I have called Experian and I was treated unfairly and after the call my credit score decrease about 40 points. 

Rebuilding my credit is getting hard due to Experian 's reporting. I don't know what else to do to fix this issue

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 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone used my credit card and charged on XXXX  transportation. I had called and disputed the charges with Bank Of America. They temporarily credited the transactions, but they reversed the charges back to my credit card and closed the claim without my agreement.

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 2021-08-04 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: IL

Complaint narrative:
I constantly contacted and disputed the item in question and I have provided proof that the item was being reported incorrectly I ask to be removed but the incorrect reporting was still not fixed

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On more that one I had requested writing to to proof the debt is mine or that i have any contracts signed by me, i had filed a dispute but there has not been any removal

Company response to consumer: Closed with explanation