vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 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: LEXISNEXIS
State: GA

Complaint narrative:
I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I want to report that a fraudulent account is in my credit report, this account needs to be removed from my credit because it doesn't belong to me. 
Please send me an updated copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.

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 2019-11-08 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: CA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: MO

Complaint narrative:
On XX/XX/2019 my score dropped 63 points due to an error with XXXX XXXX  XXXX. They contacted bureaus and reported on time but did not raise my score back up the 63 points they took away

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 2019-11-08 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: NJ

Complaint narrative:
Account # : XXXX Account Type : Open Account Account Type - Detail : - Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$150.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} Credit Limit : {$0.00} Past Due : {$150.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I filed for bankruptcy on XX/XX/XXXX and the bankruptcy got discharged in XXXX of XXXX. I exempted the vehicle loan with Bridgecrest ( Loan # XXXX ) while filing for bankruptcy and contacted Bridgecrest about a Reaffirmation agreement several times. It is not easy to get in contact with Bridgecrest, because the company does not respond to letters or emails -at all. The " Customer Service '' over the phone is unable, or unwilling to help with any kind of problem and does not pay ANY attention to the customers problem. However, I called them several times about the Reaffirmation and my request was denied. 
On XX/XX/XXXX at approximately XXXX XXXX I called Bridgecrest Customer Service and asked about their offer to skip one monthly payment. I was told, that my loan was discharged with my bankruptcy and that I have no chance to skip a payment. I told the lady on the phone ( no name provided ), that the loan was exempt from my bankruptcy case and was told, I am a liar and that the loan was discharged. So I asked, what would happen, if I would stop paying the loan. The Lady told me, I would not own anything, in case I'd give the car back and that it would not be reported as a repossession, since the loan was discharged. But as long as I make my payments, ( which I intend to do ), I can keep the vehicle and pay the loan off, as agreed upon. 
On XX/XX/XXXX at approximatelyXXXX XXXX, I wrote another email to Miss XXXX XXXX , asking for a written confirmation, that, if I would give back the vehicle, I would not owe any money to Brigdecrest and that this would not be reported as a repossession. I asked, why the loan is still in their Bankruptcy Department, when the bankruptcy was discharged over half a year ago, and was told, since " I failed to get a Reaffirmation '', it would stay there forever. I also noticed, that my payoff amount did not change since my bankruptcy, even if all payments were made on time. As always, I received the standardized answer, that Bridgecrest does not answer to emails and that I should call Customer Service. This doesn't make any sense, since the Customer Service is unable to help customers, and just in place to block customers requests. 
So I have no idea if Bridgecrest intends to send me the written confirmation, or not. I will make my payments and keep the vehicle, but I need the confirmation that, in case of me returning the vehicle, I will not owe Bridgecrest any money and they will not report this highly unlikely event as a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: NJ

Complaint narrative:
Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$2600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff

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 2019-11-08 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: VW Credit
State: AZ

Complaint narrative:
Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4. Institution Information Vw Credit XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My daughter and I opened a credit card account at Penfed Credit Union years ago. We have been trying to close the account for over a year. Penfed keeps sending a statement each month and adding {$1.00} each month at a " Paper Statement Fee. '' This is a scam and not worthy of an organization which touts itself as a military friendly credit source. I am an XXXX veteran and always had a positive view of Penfed until this experience. I shouldn't have to file a complaint with the CFPB to stop this monthly scam. There is no way to close this account with Penfed. Perhaps CFPB can 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 monetary relief
Consumer complaint received 2019-11-08 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This account has appeared on my credit report as of XX/XX/2019. I have never had any dealings with this company. 

Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Creekside Finance, Inc.
State: NC

Complaint narrative:
I have been a customer of Creekside for many many years. I went Friday XX/XX/2019 and got a loan through XXXX and in the loan process she ask me if I had my auto insurance policy number and I said no so she said she would look it up and upon looking it up she ask did I have full coverage auto insurance and I said yes and she said she would take the insurance they have off the loan and would save me money since I have full coverage and don't need it that it was mainly used for people who only had liability. It never fully dawned on me what she was saying until today I called the Creekside I have my loan through today XX/XX/2019 and was asking XXXX about all this which he stated XXXX XXXX the formal supervisor or manager that use to work there prior to some identity theft fraud issues with another employee that's when XXXX retired but XXXX had said XXXX made them add this Creekside insurance regardless if a customer had their own full coverage insurance or not and to not even say anything to the customers to just add it, so with that being said how much hundreds and hundreds of dollars did they get from me being a long time customer and many other customers that is unaware of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 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: CORELOGIC INC
State: AZ

Complaint narrative:
Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information Corelogic XXXX, CA XXXX ( XXXX ) XXXX XXXX. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. Corelogic Credco XXXX, CA 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 2019-11-08 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Hard enquiry from Unknown resources on XXXX  1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information Ally Financi XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX 1. XXXX XXXX XXXX, CA 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 2019-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Experian says their clients have to remove, their clients say Experian has to remove. Be here done this, not up for the fight!

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 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an offer for 0 % interest and I used the check to take advantage of the offer. Bank of America charged me fee and 18+ % interest rate instead of the offered 0 %. I lost over {$1100.00} dollars. This is a follow-up complaint to XXXX which described the initial issue. On XX/XX/19 I received a call from a representative of the company who claimed that he look into the original complain and that I was never offered the 0 % offer. In addition, he claimed that the offer I described was for a different credit card. I did include a copy of a similar offer that came from the second credit as an example but it was misinterpreted by BoA employee even after I explained it. I do not believe that the employee ever looked into my issue and was simply trying to get rid of the complaint instead of helping me resolve it. I informed the employee on the phone that I have a copy of the original offer for the disputed credit card but he did not even attempt to look up my account or asked e to email it to him. He finished the call saying that he will be in touch. The only offer he made was that he was going to call BoA Marketing to extend the 0 % offer to me which does not make sense since I already received that offer and I used it just to find out that I was overcharged. My issue is that the company did not honor its commitment and overcharged me by over XXXX dollars before I was able to pay off the balance. I have been a customer of BoA for 21 years, I can not imagine how they treat others.

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 2019-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received an email XX/XX/XXXX from PayPal saying my account has permanently been limited. A week later, i received the same notice from Venmo, which is owned by PayPal. I was told my account violated the acceptable use policy and was asked to please remove the PayPal logo and payment option from my website. I do not operate a business through my PayPal or Venmo account. I am just a consumer utilizing both. I called PayPal on XX/XX/XXXX and asked customer service to please review this action, and opened up a claim online. Both PayPal and Venmo customer service have repeatedly sent me template emails since then and have not specified what if any transactions or otherwise actions taken have violated the agreement. I spoke to the security & fraud department on Thursday XX/XX/XXXX via phone, and they provided me zero information, and were not willing to investigate the permanent limitation or cooperate with me in anyway. They were extremely rude in conversation and also left me on hold for over an hour, and did not facilitate speaking to a manager promptly. They have told me I will receive my money from my PayPal & Venmo accounts 6 months from now. This is not acceptable, and I would like the CFPB to get the company to provide a legitimate response and to immediately make this right. I feel that my access to my money has been wrongly limited, Ive been denied using my accounts and have not been provided the least bit substantial information as to why this happened or any ability to protest and reverse this process. I really need some kind of help with this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CA

Complaint narrative:
I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with XXXX XXXX Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. Equifax is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. Equifax is the only credit report in which this late payment is being reported. The other two major credit bureaus ( XXXX  and XXXX  are not reporting a single late payment on this account ). Equifax is being unreasonable. 

If this late payment was accurate, XXXX XXXX  should have sent me a notification by mail or a call, as required by law. The truth is that I never received nor a notification, nor a call because I have never been late on any of my accounts. 

I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. Equifax is committing UNFAIR BUSINESS PRACTICES, NEGLIGENCE, MISSREPORTING LATE PAYMENT, and the list of violations can go on once I sat down with my attorneys. 

This is affecting me in a huge way ; emotionally and physically. Equifax must take the following actions in response to this complaint : conduct a reasonable investigation and correct this inaccurate information. 

If Equifax refuses to do what I am demanding, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Believe me, I dont want to go to court, but if this complaint does not make any effect, I will not hesitate. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX  was due. Proving this was not a money factor or even worst that I wouldnt want pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
My mortgage has PMI and I now have over 80 % equity and therefore am not required to pay PMI any longer. I sent a new appraisal to Freedom Mortgage and was ignored for three weeks except to email me with the refinance departments phone number, who told me if I paid {$6000.00} in closing costs I could refinance my mortgage and the PMI would go away. After several more emails and 7 phone calls, I was finally told that they dont accept outside appraisals and I would have to use theirs. I told them to start the process and was told they wont do it until I have 80 % equity on the original appraisal that was done when I purchased the home and not on the new appraisal that clearly shows much more equity. 
The complete lack of customer service was deplorable.

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 2019-11-08 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: CT

Complaint narrative:
The Bank/Mortgage company said that I was late on my payment but the Late payments are unverifiable. The company has not verified the dates of late payments.

Company response to consumer: Closed with explanation