vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A BANKRUPTCY WAS FILED IN MY NAME AND I DID NOT DO IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: OR

Complaint narrative:
I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX  claims I owe.

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 2020-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
CCS claims I owe an amount of {$1800.00} to XXXX XXXX for auto insurance policy which was canceled soon after the policy was purchased. The amount is the down payment to start policy which I believe includes two months of coverage, possibly first and last month, I am not certain. The policy was canceled soon after purchase date, I believe a week or two after. It appears XXXX XXXX has not adjusted the amount to reflect cancellation, did not pro-rate it. Further, several attempts were made to debit my account for amount despite cancellation prior. These attempts caused several overdraft fees which I was not reimbursed for and I believe XXXX XXXX is responsible for as it is in their error for making attempts. Needless to say, I do not owe full amount and am disputing it as again, it does not appear to be pro-rated, {$1800.00} is an unusually high amount for a down payment even for two months of coverage. I suspect XXXX XXXX is adding on bogus fees to inflate the balance further. In closing, please advise CCS I will not pay such a high amount, it needs to be adjusted to reflect correct amount as well as overdraft fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus XXXX  and Eq. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the Eq and XXXX  has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX to substantiate validation of a dispute from XXXX  or Eq. Furthermore they have no record of a dispute or validation request from either Eq or XXXX  concerning a Mortgage I had or have with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed a mortgage account that was opened in my name. This is the 3rd time disputing, with bureaus EX and XXXX. They continue to say that they have verified that the information and it is true and accurate. I disputed again asking for proof that in fact this mortgage is mine ( ie : copy of signature, deed, or previous proof payments ). I was told on a phone call on XX/XX/XXXX at XXXX that they did not have to provide any proof that they verified anything I HAVE A COPY OF THE RECORDED CALL. Within a couple days I received noticed that they have " certified proof that the account is mine. The next day I sent a dispute asking to provide me with a copy of the certified proof to validate this account. I have not received anything from them other than a dispute result that the account is verified and mine, I provided certified proof that I never lived at this address not did I have a mortgage with this company. I have been at my current address since XXXX. I provided a copy of the deed and a certified letter from my home owners association along with a start date of the utilities for my current address in my name to support my claim/dispute. I am certain that the XXXX and Experian has not done a proper investigation. I am a victim of Identity theft and I have a valid police report and FTC report with list investigative findings a person that was arrested and now making restitution for fraud, id theft and a list of other financial crimes. Additionally I contacted XXXX whom they said that they verified this account with on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX XXXX at XXXX. She told me that they have no information in their system that validated the deed or any public record for XXXX XXXX  to substantiate validation of a dispute from Ex or XXXX. Furthermore they have no record of a dispute or validation request from either XXXX  or Ex concerning a Mortgage I had or have with 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 non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A BANKRUPTCY WAS FILED IN MY NAME AND I DID NOT DO IT

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 2020-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX  and first American title have not been applying my monthly payments to my accounts. Now threatening to foreclose on property. I am going to file a lawsuit against both companies on Monday XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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
Consumer complaint received 2020-03-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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
Consumer complaint received 2020-03-28 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: GA

Complaint narrative:
Im not able to temporarily remove the fraud alert on my Experian 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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I received an email from Bluebird that my account had been permanently suspended. I use this account to receive my pension and for helping my adult children make ends meet. I am a senior citizen, single and depend on this money to pay my bills each month. I have done nothing out of the ordinary and dont understand why this has happened. I reached out to customer reps and had to wait 3 hours each time, after which I received no resolution. The reps could not tell me anything I did not already know which was next to nothing. I am certain my direct deposit came in last night and I want a refund check given to me as soon as possible. I was told to write their escalation team a letter. This is the only means they are providing for me to get help! I dont have any alternative but to wait for the response to my letter which went out today XX/XX/2020. For this financial institution to do this sort of thing during these stressful and trying times is just immoral. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not belong to me. They still are reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: Nelnet, Inc.
State: WA

Complaint narrative:
I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XXXX my credit took a XXXX point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter XXXX point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped XXXX points in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Receive a cordial greeting from me. 

My name is XXXX XXXX and I would like to report to your excellent forum, a particular situation that just happened to me with Citibank Master Card ( Sears ) account with account number ending in XXXX. My last payment to avoid purchase deferred interest charges it was until XX/XX/2020. For reasons beyond my control due to the health emergency that we are going through worldwide, I had the opportunity to complete it until today, XX/XX/2020. When I got access to the account to make the payment of {$32.00} I realized that the charge of {$480.00} for deferred interests had already been applied to me. I request an intervention in this regard because all payments were made on time and I find it totally out of my rights as a consumer. I appreciate in advance the support

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 2020-03-28 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:
I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
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 explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX my wife and I brought our dog to the XXXX XXXX Hospital located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. After our dog was seen by a vet, we proceeded to the front desk and checked out, as we normally do. At the desk we were given the bill, and once paid, given the discharge instructions/ care report. 

On this visit, we had a bill of {$930.00}. I handed the front desk receptionist {$930.00} USC, and was then given the discharge paperwork and left. On or about XX/XX/XXXX I received a collections letter in the mail from Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX. The collections letter stated that I owed them {$990.00} based upon a collections debt from XXXX XXXX Hospital. I immediately contacted Hunter Warfield to discuss this letter. Ms. XXXX XXXX from Hunter Warfield advised me that their company was hired by XXXX XXXX Hospital from collection procedures. I advised Ms. XXXX that I paid this bill the date my dog was seen. Ms. XXXX advised me that I needed to contact XXXX XXXX Hospital as they have this as an " active '' debt. 

I contacted XXXX XXXX who advised me that I needed to contact their corporate office as they have nothing to do with this anymore. I attempted to locate a phone number for their corporate office, however was unable to find one. I was able to send the corporate headquarters an email, to which I did on or about XX/XX/XXXX. In this email I explained what transpired, to which I received an email back from the XXXX XXXX XXXX on XX/XX/XXXX stating that they will respond to me as soon as they can. Since that date I have not heard back from them. Today XX/XX/XXXX, I received another letter in the mail from Hunter Warfield again harassing me for " collections ''. 

As I advised both XXXX XXXX Hospital, and Hunter Warfield collections, I paid this debt, in full ( cash ) on the date of service. I also described in my email the description of the employee who took the money from me. 

In sum, this debt has been satisfied by way of payment in full on the date of service, and this collections notice is false/ incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: WA

Complaint narrative:
I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XX/XX/XXXX my credit took a 65 point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter 70 point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped 135 points in 3 months.

Company response to consumer: Closed with explanation