vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: CITIBANK, N.A.
State: KS

Complaint narrative:
More than a month has passed and The Home Depot has not updated the balance on my XXXX  credit report to XXXX. I contacted The Home Depot and have been ignored.

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 2020-03-20 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: GA

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
wells fargo has purchased my mortgage and now i have been kicked out of online banking. i have spent over 4 hours on the phone trying to get this resolved. i was hung up on 3 times and was on hold and transferred multiple times. They cant get this simple issue resolved. This is a change from my last mortgage company and when my loan was bought by wells fargo it was stated that nothing would be changed.

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello XX/XX/XXXX some how there system allowed some one to transfer XXXX out my saving account and sent to someone else. The card we have you use your real social and info to get direct deposit. It showed me her name and I search her on XXXX she stated that it got sent to her and continue making jokes. Please help me .... Me and my daughter need this money that was my tax refund. I have bills to pay and have feed my daughter. Can some please call XXXX and assist me immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
My loan was paid in full on XX/XX/2020, there was a remaining balance of roughly {$2500.00} in the escrow account. I have contacted CMG Financial three time inquiring about the refund. It is now XX/XX/2020 and I have yet to receive the remaining balance of the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I had noticed on my online account that my credit limit had significantly decreased from {$3100.00} to {$500.00}. I requested a limit increase on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating the reason for my credit limit decrease was as follows : 1. Accounts last reported in delinquent status 2. Serious delinquency 3. Proportion of balances to credit limits on bank/national revolving accounts is too high 4. Time since delinquency is too recent or unknown. Being a person who has never missed a payment and always has paid well over the minimum amount I was confused and angry. I called the company on XX/XX/XXXX and demanded an explanation. She simply repeated back to me what was on the letter and said I could file a complaint and a manager would contact me in 2 to 3 business days. Sure enough, I did not receive a call from a manager. I made a call today XX/XX/XXXX and demanded I speak to a manager and instead the representative spoke to the manager and came back to tell me it was the banks decision to do so. She then tells me that a lot of people are calling with this complaint of decreased credit limits. No explanation was given as to how I was viewed as a delinquency customer and my credit limit was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2020-03-20 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:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: MD

Complaint narrative:
I have gotten cell phone calls from Associated Credit Services XXXX XXXX demanding payment for a medical debt that was paid in XXXX. The caller said they would continue to contact me unless I sent them proof of payment. I directed the agent to contact XXXX XXXX XXXX billing dept at XXXX XXXX XXXX to confirm the payment of XXXX.. ( payment of {$50.00} XXXX & {$310.00} XX/XX/XXXX. ) I also asked why their client did not notify them of the payment. I contacted the group to confirm that they had gotten my payment. I was told by XXXX XXXX XXXX that I did have a XXXX   balance on my account. I was told by the agent they would forward this information to the collection agency. This call was on XX/XX/XXXX. 

Today XX/XX/XXXX I got another call from Associated Credit Services demanding payment on the dept. I told the agent it had been paid in XXXX and they were trying to collect on a debt. that was already paid. I was told they would continue to call me until I send proof to them that I paid the bill. I said they needed to contact their client. I have never heard of a situation when a client wouldn't notify the collection agency of a payment. The caller refused and said it was up to me to prove I paid. 

Again I called XXXX. and was told this would be communicated to ACS and confirmed that there was a XXXX   balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was charged {$120.00} on XX/XX/20 by XXXX XXXX on my card. This amount is incorrect. I disputed it with CITI and their response was since I didn't have a receipt to prove the correct amount then I had to pay it. It was an online purchase for which I never received a receipt. Furthermore, XXXX XXXX must have not provided a bill receipt either because CITI never provided proof that I approved this charge. I have tried to call XXXX XXXX to get a receipt but I get automated response that because of high call volumes by call can not be completed. I am perplexed how CITI takes the word of a merchant without proof over their own customers. I have attached the only email I received from XXXX XXXX for this purchase. I also attached a receipt from a previous purchase to demonstrate what I should have received or CITI should have requested before settling this dispute.

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 2020-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: ME

Complaint narrative:
CREDIT MANAGEMENT LP XXXX XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this account. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX, TX XXXX This account says i owe {$370.00}. 

THis is the second time this creditor has placed a false collection account on my credit! This account says i opend an account in XXXX with this company and never paid a bill. I have not opened or authorized an account with this company. This false information deduct points of my score and I want my points back. I have nothing negative on my credit report and I have never been late on a payment! I don't even owe medical bill! I just bought a new home in XXXX and a new car in XXXX ... there is nothing negative on my credit report except this fraudulent account that is not mine. 
I have 100 % payment on all my accounts. 

Please help me remove this account from my credit report, and please help replace the points taken due to this fraudulent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC has made it so notoriously hard to complete identity verification when applying for its credit cards that it has led to scammers posing at HSBC and then extracting very sensitive information from clients supposedly on HSBC 's behalf. I was a victim of one of these scams and wholly blame HSBC for their ridiculous application process, which you can read about across the internet. I applied for what I thought was a HSBC credit card. A representative got in touch to tell me that they needed a copy of my driver 's licenses and a form so the Social Security Administration could verify my identity. Knowing that HSBC is so rigid in their identity verification, I gave the scammer this information. When it wasn't processed, I was told the SSA form was incorrect as I had missed a box. I then resent the form with my personal information again. Again I waited, this time I was told the application is " processing ''. Nearly a week later it was still " processing '' and I realized I had been scammed. It was devastating, I spoke to a supervisor supposedly with HSBC who told me the form was again incomplete ( it wasn't ). I told her I will be working with the local authorities to press charges. She had me call phone number XXXX, I believe the scam is from XXXX. I ENCOURAGE EVERYONE NOT TO APPLY FOR ANY HSBC PRODUCTS BECAUSE THEIR OVERLY ZEALOUS IDENTITY VERIFICATION HAS SEEMINGLY INVITED SCAM ARTISTS AND YOU MAY BE IN DANGER. ONLY A COMPLETELY INCOMPETENT COMPANY WOULD HAVE THIS MANY MISTAKES ON A SIMPLY IDENTITY VERIFICATION, SHOWING IT'S A SCAM. I will be working with police to help find who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-03-20 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-03-20 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'm soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation