vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: SC

Complaint narrative:
I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I have also provided you with copies of my social, current and past address and license. 
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Attached is a completed Sworn Affidavit of Identity and Residence.  Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.

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 2019-04-08 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: FL

Complaint narrative:
XXXX XXXX  is placing old dated information back on my credit report this account was already found and adjucated in Court back in 2015 in favor of my self showing this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Nelnet, Inc.
State: MA

Complaint narrative:
Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I am lodging a formal complaint against mrs. associates this debt collection company is reporting negative information on my credit reports without validating debt which is a violation of the fcra. ive sent this company numerous debt validation requests and they continue to ignore them. the debt is for {$1200.00} from XXXX XXXX. ive never in my life had an account with XXXX XXXX so I know this isn't my debt. I am trying to purchase my very first home for my family and im being told this negative account is holding me back. I am going to sue this debt collection company if they don't delete immediately. thanks for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: MA

Complaint narrative:
Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from 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 2019-04-08 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: MA

Complaint narrative:
Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from 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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received an unauthorized hard inquiry on XX/XX/XXXX from Citibank Na., Best Buy. I did not authorize this inquiry. and i have had a credit card from Best Buy since XX/XX/XXXX. I attempted to call back and dispute it but i received a letter saying they could not find the inquiry. The inquiry is appearing on XXXX, XXXX  and XXXX from what I saw.

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 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
I have submitted numerous Loss mitigation packages to Round Point Mortgage Servicing Corporation. My application was denied and I was notified at the same time that my loan was being transferred to another servicer and now I have been notified that my home is up for an auction on XX/XX/2019. 

I tried calling the new servicer XXXX and they told me that my loan would be ported to their system by XX/XX/2019. I did in fact call XXXX on XX/XX/2019 and they told me that there was a hold up on the tranfer of all of the files from RoundPoint Mortgage Servicing Corporation. 

I can not get my new loan number, I can not do anything to help my self, because of this issue. I house has a sale dte XX/XX/2019 and XXXX may not have time to review a new modification package in order to stop the foreclosure sale. 

This is not right what RoundPoint Mortgage has done to me and my family. 
I have a sale date on my home and I am between two servicing companies RoundPoint and XXXX and neither one can help me at this point. What do I do? 

As of XX/XX/2019 XXXX became the new Servicer for my loan. XXXX has no information concerning my 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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am lodging a formal complaint against ic system. this debt collection company has reported negative info on my credit reports without validating debt. ive sent ic system numerous debt validation letters, but they continue to ignore my request. in addition they are reporting every single month on my XXXX  credit report which is a violation of the fcra because they haven't validated the debt with me. the original creditor is a cable company named XXXX and the debt is {$1500.00}. ive never in my life had an account with XXXX. I am requesting this debt that isn't mine be deleted immediately so I can purchase my very first home for my family. thanks for your time!

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened Citibank account XX/XX/19. I was never told debit card was connected to checking account. There is a merchant on XX/XX/19 Citibank is allowing to double charge me. Today, XXXX I was online to see statement and called because it didn't balance and is overdrawn. Also I do Not have overdraft protection so I should Not be overdrawn. But Citibank says I am. I printed the online statement where only {$80.00} appears. {$80.00} was charged and posted on XX/XX/19 for XXXX XXXX in middle of week. Citibank supv. Said Citibank is allowing charge to change Unauthorized!!!!! I called merchant and they had several different names : first XXXX then XXXX. I told her I wasn't married-no XXXX and XXXX not me either. 1. It sounds like someone else used my card, 2. I do not have overdraft protection so this would Not have gone through. I think it's a scam Citibank is doing-it 's days after after posted, and 3. I did not authorize this charge. And I specifically asked for and Confirmed with banker at time opening account that I do Not have overdraft protection. *******

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 2019-04-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Since the data breach involving my equifax file, i have tried on dozens on occasions to have my credit file corrected. My identity was comprised because of that breach. My disputes were successful with the other two credit reporting companies. However, Equifax continues to report erroneous records on my credit file. Between XXXX and XXXX, I have disputed these things over a hundred times. You would think that the company would be more helpful, since their breach caused this and all I want is my file correct instead of suing for damages. This issue alone has kept me from my dream of homeownership and i am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
I am lodging a formal complaint against accelerated financial. this debt collection company has violated the fcra and my rights. accelerated financial has 2 negative accounts on my credit reports 1 for {$840.00} and the other is for {$620.00}. I have no clue what this debt is and ive sent them debt validation request and they continue to ignore my requests, but they are still reporting every month on my credit reports which is a violation of the fcra. I am in the process of purchasing my very first home for my family and im being told these 2 accounts that does not belong to me is stopping me from being approved. I am requesting these 2 accounts be deleted immediately from my credit reports. I will sue if I have too. thanks for your time!

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I am lodging a formal complaint against trident asset. this debt collector has continued to report negative information on my XXXX credit report without validating the debt. ive sent this company numerous debt validation letters, but they ignore them which is a violation of the fcra. this debt is for {$140.00} and its from XXXX. the problem is I never had an account with XXXX. ive continued to tell asset this but they don't care. im requesting this account be deleted from my XXXX credit report, or I will sue for violation of fcra. thanks for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently received a new debit card in the mail from Wells Fargo ( XX/XX/XXXX ) with request to inactivate the old card. Reason was suspicious activity on the old card. Literature with card states " wont affect linked accounts. '' ( see bullet point 3 under " why a new card '' ) on WF scanned document. 

( XXXX ) I found out that is not true by one of your bankers ( call- XXXX hrs ) and I need to notify all accounts. That delay in accurate information could affect my credit score and relationships with those accounts on the old card. 
Further I requested What suspicious activity led to the of inactivation of the old account in a previous call and I was told that information cant be released which I believe is a violation of the Fair Credit Act. None of this on Wells Fargo behalf is in the customers best interest. 

Lastly when I called in to change the card I received a robocall for dish network and I was caught in a loop wanting me to connect to XXXX even though I kept replying in the call that I did not want to connect. 
With all the legal issues that Wells Fargo faces, it would seem that Wells Fargo would attempt to get their processes in order and do what is the best interest of the client, that does not seem true.

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 2019-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly. On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.

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 2019-04-08 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank my care credit reported me late and also have the incorrect balance. I always paid on time and never late. I need assistance with getting the corrected. Thank u

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 2019-04-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX bank my XXXX XXXX reported me late and also have the incorrect balance. I always paid on time and never late. I need assistance with getting the corrected. Thank u

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
XX/XX/2018 was paid amount of {$300.00} to RPM (  receivables performance managment ) XXXX XXXX XXXX WA ( XXXX   ) and balance was due for {$230.00} They said that i can pay that XXXX dollars after 30 days which is end of XX/XX/XXXX and i never had another bill or phone call from them during that month and after less then a month i seen a collection account in my credit report! After i contacted with them they sent me another settlement amount with added {$100.00} more to past due amount and i paid that whole amount and i was still seeing a collection account in my credit reports even they said they were going to take it out from collection! I also took a picture of that offer and sent them to experian and disputed i still see that collection in 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 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My contact info ( email and phone number ) was fraudulently changed on the Cash App provided through Square Inc on XX/XX/19, I reported it XX/XX/19 via XXXX because I had no ability to contact support without access to my account. I immediately responded on XX/XX/19 to a request for more info, but heard nothing in response. I followed up XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX they responded to a follow up XXXX post, but did not address the issue saying that they " did not determine the transaction was fraudulent. '' Although, I never disputed a transaction since I have not been able to access my account and see what activity occurred. I have had no response and no resolution. I do not know if fraudulent activity had occurred on my account because I still don't have access and can't get resolution on my account. It's possible I may have received funds and the person with access may have stolen money, but the company has neglected to return control of my account to me or provide any information resolving my issue. 

-- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking and and saving account with Bank of America located in XXXX XXXX, CA. A XXXX dollar fee was taken out of my saving account. On XX/XX/2019 in the amount of {$430.00} within 72 hours money was taken out of my account. Please note that I made transactions to however I use or spend all the money in my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly.  On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus   requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.

Company response to consumer: Closed with explanation