vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notified Experian of an inaccuracy on my report by national credit adjust. This same account was reported to Experian by another company, XXXX XXXX XXXX XXXX which was deleted on XX/XX/2019 because it was proven invalid. Experian created what they called an investigation which lead to the incorrect/fraud info to remain on my report after they deleted this same info by another collection agency previously. This information is completely false and should not remain on my credit. Please help!

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX was supposed to service my apartment with internet. XXXX representatives failed to show up for installation failed to deliver equipment there for i received zero service from XXXX. XXXX never at any time serviced my apartment. I cancelled the account. Later on credit control has a collections amount of XXXX which I disputed with them. They refused to listen to what I had to say and ignored my emails and proof that I never recieved any service with XXXX. I have disputed with credit bureaus as well. I do not owe XXXX  anything because they never installed service in my apartment. I never have received any type of service from XXXX.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I began my loan with Navient in 2011 where my student loan balance began at {$54000.00}. I have done 3 forberances during the time of the loan. However, since the inception of the student loans I have paid {$39000.00} in total payments with {$29000.00} going to interest and only {$9100.00} to principal which seems more insane than a payday loan. In addition, looking at my monthly statement each month a drastically different amount goes to interest versus prinicipal. When I called to inquire what my payoff of my loan is they say it is {$61000.00} when the original loan amount was only {$54000.00} and I have made total payments above. This makes no sense and seems very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Loancare : XXXX XXXX XXXX XXXX  XXXX VA XXXX, Account # XXXX This is a follow up to the previous complaint XXXX. I received a letter from Loancare acknowledging receipt of the complaint. Loancare removed the 60 days delinquencies record from my credit report. Event though the {$190.00} is their responsibility when they acquired the servicing from XXXX I went ahead and paid it in full so to stop their continuous harassment with robocalls and threatening letters of foreclosure. Only to find out when I received the following statement that they again started me another escrow account and said i owe {$45.00} more!!! In addition they again reported to the credit bureaus that I was 30 days late. I called the person who wrote me the letter after he received my first complaint with CFPB Mr XXXX XXXX, Office of the Customer, XXXX ext : XXXX but of course like his colleagues he does not pick up the phone nor does he return the calls. Even though in his letter of XXXX XXXX he states that my credit report is now corrected and reflects current status.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.

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 2020-04-08 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.

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 2020-04-08 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:
These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 I called Westlake Financial to request a Loan Extension, Forbearance, or Deferment due to financial hardship from COVID-19. I was informed by the company that based on my specific account I do not qualify. I was not given any reasons why even though I have never missed a payment of {$200.00} since the inception of the loan. 

I have spoken to 3 customer service persons at the company and was told that when I get my stimulus check I should pay them. I have since filed a complaint with the XXXX XXXX XXXX, as well as sent an email to the CEO, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
PHYSICIANS & DENTISTS Original Creditor XXXX XXXX XXXX XXXX Opened Date XX/XX/2019 Balance {$300.00} Creditor Contact Details PHYSICIANS & DENTIST XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX I do not believe that I owe this amount. I request that the account is validated with a list of what the charges are for including dates and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any tase. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any tase. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-04-08 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-08 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:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
We have a VA federally backed mortgage loan with M & T. 

According to the Coronavirus Aid, Relief and Economic Security Act we can request up to 360 days forebearance without any additional fees, interest or penalties. We asked for 6  to 12 months Forbearance. So we can keep our credit outstanding and survive while our business is shutdown. They responded they wont charge a late fee but we need to pay it every month.

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 2020-04-08 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am writing because I am concerned with the mark on my credit report. My payment history was marked 30 days late for my XX/XX/2020. This is what happened, my daugther, XXXX XXXX, who is an XXXX XXXX, is with me on this account. This is a joint account. She attempted to make the payment from overseas several times but it kept returning the payment then we inccured a late payment, so what I did was I took care of the matter and paid via my debit card and enrolled to automatic payment so this will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying for three days to get Equifax to lift my security freeze so that I can refinance my home. Their website keeps crashing, and when I call their " Customer Care '' line, it becomes an endless loop of automated messages. I have never been able to talk with a human being. 

Per their automated message, I have sent them a fax, including a copy of my driver 's license and a utility bill, requesting a 30-day lift of the credit freeze. I sent that fax TWICE to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter from Synchrony Bank dated XX/XX/2020 that explained that a credit card through PayPal was denied. The application was attempted on XX/XX/2020. 
I did not apply for a credit card from PayPal. 
I called Synchrony Bank, PayPal division. I was told that since the credit card was denied there was nothing for them to do. 
I have 2 department store cards that are also through Synchrony Bank. I explained that I wanted it investigated that my information was leaked from those cards. I was told that even though all 3 were backed by Synchrony Bank there was no way that my information was leaked. They refused to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express is reporting a debt on my credit, and I don't owe it. This Account has been closed for many years and it should not be on my credit. I have no idea what this {$4.00} balance is about on my credit. I never received any notifications, calls or any letters regarding this debt. This account closed on good terms, and now it's appearing on my credit negatively. This is erroneous & needs to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I was advised by my XXXX  doctor that if I want to, I can get a XXXX XXXX XXXX at my local hospital but that my insurance would not cover it and it is a {$60.00} out of pocket fee. I decided to be better safe than sorry and I set up an appointment at XXXX XXXX Hospital and asked again at that time how much this will be. again i was told that it is a {$60.00} out of pocket cost and that insurance does not cover the test. I went in and had the test done at which time I paid the bill of {$60.00} expecting my results to be forwarded to my XXXX  doctor. After not receiving any results from the hospital or from my doctor I assumed that the results were good and no news is good news. Several months later I received a bill from a place in NJ ( XXXX XXXX  XXXX  XXXX XXXX XXXX ) for the amount of {$220.00}. I then contacted a representative from that company and told them that I paid for the test at the time of the appointment and she said that it must be an error on their end and that she would take care of it. Well long story short, they sent it to collections and now my credit score has been affected by this not to mention my ability to refinance mt home at a lower rate. I never asked for a third party to review my records of to get involved in this matter at all. the reason i took thetest was because I could only afford the {$60.00}. I never received any type of paperwork or test results from XXXX XXXX XXXX XXXX. 

Thank you for your help 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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
MERCHANTS CREDIT {$190.00} and 441 Original Creditor XXXX XXXX XXXX Opened Date XX/XX/2019 Creditor Contact Details MERCHANTS CREDIT XXXX XXXX XXXX XXXX, XXXX  XXXX ( 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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}

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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}

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 2020-04-08 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: National Credit Adjusters, LLC
State: UT

Complaint narrative:
National Credit Adjusters is reporting 2 accounts on my credit report - XXXX & XXXX -- I never even knew these or the debts existed until I saw it on my credit & I immediately called and took care of it even though they are not valid and were sent to collection in error. 
I never one time received any notices regarding these items to even be given the opportunity to dispute them. I have contacted my attorney regarding this original creditor.

Company response to consumer: Closed with explanation