vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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:
Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.

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 2020-09-17 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:
Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: NY

Complaint narrative:
I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.

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 2020-09-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I never had this insurance with XXXX XXXX. I initially requested a quote for a home purchase but the deal was cancelled and I never opened the policy as there was no need. I told this CCS company that I spoke to XXXX XXXX and they have no idea why this company is contacting me, in fact I currently have an auto policy with them in good standing. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diaz & Associates, Inc.
State: LA

Complaint narrative:
This items were unverified by DIAZ & ASSOCIATES and DIAZ & ASSOCIATES reported the fraudulently account on my credit report without my consent.The account was removed and now has being reinserted back onto my XXXX  credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.DIAZ & ASSOCIATES must remove the fraudulently account immediately accordingly FDCPA and the FCRA. I have also attached my identity theft report as well Please removed fraudulently account from all my credit reports I will report this to the FTC and the Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I had a collection account with sequiem asset solutions. The debt has been recalled. I tried disputing it and they have not fixed the issue. I called in XX/XX/17 and spoke with a manager and request it be removed. She offered if I paid in full they can update it and it will be removed. I confirmed with her that the debt has been recalled and they no longer have collection authority. I asked they why they would keep reporting. They said its accurate along with the balance it is reflectiing. I can not have two accounts trying to collect the same debt. It is illegal. I told her I was upset and just wanted it resolved. She said I was only upset because she is giving me answers i don't want. Please have them verify collection authority if they are continuing to report or delete it asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020, my wife & I wrote a check to Ashley Furniture for {$8600.00} to hold the " labor day '' sale price of the new furniture until we returned. XXXX XXXX promised that the check would be returned to us once we came back after after our house closing. At that time, we did not want to apply for additional credit since we did not want our credit scores to be affected before we closed on our new home. When we returned on XX/XX/2020 to collect our check, to revise our previous purchase, and to apply for credit, we discovered that the check had already been cashed. It took us from XX/XX/XXXX to XX/XX/XXXX of 2020 to get our check back after numerous calls, texts and visits to the store. XXXX had previously told us that the check would be returned within 7-10 days. Prior to receiving the check, we lost confidence in XXXX, since he was no longer answering our calls or our text messages. We began dealing with XXXX ( XXXX ) XXXX. He printed us the final order tickets that had been sent to Synchrony Bank which consisted of one for {$8500.00} and the other for {$300.00}. The ticket for {$8500.00} included two unauthorized items that XXXX had left on the orders for a total of {$630.00}. On XX/XX/2020, XXXX made the adjustments of {$350.00} through order ticket # XXXX but he did not credit the remaining {$250.00} plus {$20.00} ( taxes ) = {$270.00}. His assistant ( XXXX? ) advised us that she would apply a credit to our Ashley credit card that we still had not received. On XX/XX/2020, I called the furniture store to follow-up with XXXX but he was not available. I then sent a text to XXXX to tell XXXX that we wanted the credit for the {$250.00} plus taxes through an order ticket, not through the credit card. By then, we had decided not to do future business with Ashely Furniture Stores. On XX/XX/2020, I texted XXXX to follow up with credits. He never bothered to respond. Meanwhile, we kept looking at the monthly statements from Synchrony Bank for those credits. As of today, XX/XX/2020, those credits have never been applied. When we called Synchrony Bank, we were told that we needed to discuss the credits with Ashley Furniture Store,  that they only dealt with the financing. On XX/XX/2020, we sent a certified letter with attachments to XXXX XXXX in hope that the problem could be rectified. The letter was received and signed on XX/XX/2020. As of today, XX/XX/2020, we have not heard a word. We are not sure how Synchrony Bank and Ashley are affiliated, but neither one is taking responsibility.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from XXXX XXXX planning on law suit for the credit debt from Lowe's-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

Lowe 's the well-known corp has a credit line opened with Syncrony Bank which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to Syncrony and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, Syncrony Bank didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from XXXX XXXX. As per the information provided by Syncrony, the XXXX XXXX took over the debt on XXXX of this year which is still during the pandemic.

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 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.

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 2020-09-17 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: NY

Complaint narrative:
I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2020 my home mortgage was transferred from XXXX XXXX XXXX SPECIALIZED LOAN SERVICING LLC. Ever since my mortgage was transferred, i've been unable to access my account. The SLS site throws an " Account not found '' error message when i try to register online, and after 4 months, 14 phone calls to SLS ' customer care, using their customer care chat support and several emails I am still locked out of my account.

The SLS customer service refuses to assist, and their promises of responding to email, tier 2 escalations, callbacks have proved to be false so far. More worryingly several agents that i spoke to over the course of 3 months have speculated if they have an " incorrect Social Security Number '' on my account in their system, this is deeply worrying.

I am worried if my mortgage payment is being processed correctly, and if my escrow account is being used fairly. I request a fair and quick resolution to this problem since i have exhausted all avenues.

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 2020-09-17 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I made a large deposit through the ATM at the regions bank on XXXX  XXXX XXXX in XXXX ms . It was not credited to my account so I made a claim with the bank, it got denied, I made another complaint with the bank it has been denied. I have included a receipt where I borrowed the money from my grandfather, a receipt I printed out after making the deposit when I did not receive a deposit from the ATM and a copy of the second claim letter.

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 2020-09-17 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: TN

Complaint narrative:
Remove the information from my credit reports

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 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I need this email in a letter head in order to close on my home. However when I called to get this on a letterhead they are refusing to honor it & even trying to change their response. I need the email in the attachment in writing. Without this letter & their compliance me & my family will be homeless. This is aspire visa, company address Account Services XXXX. XXXX XXXX XXXX, GA XXXX phone # is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: MI

Complaint narrative:
I contacted Transunion about an error of a public record for a bankruptcy reporting from their agency. I told transunion that I wanted to dispute that information, and that I had never filed bankruptcy and that there was no bankruptcy reporting on my other credit reports and asked that transunion re- verify that information and provide me with the method and source of that information. I also contacted the courts in my state and the court stated they had no such records and that they do not give that information to credit reporting agencies

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 2020-09-17 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I opened an Apple account in XXXX 2020 and never charged anything on it. Some apple charges from my phone went on the account that I was not aware of. The company then proceeded to send digital invoices to an old email account that I have not used in over 8 years, since changing my name. My apple ID had that account as the name of the account, but NOT the email associated with it. 
The company then sent email notices only for a few months before finally notifying me by mail of the balance owed. The day I received the notice I called and paid the balance in full. Now the account is reporting a balance due after the account was paid in full. The account is closed, yet it is still being reported as open with the balance due. 
With all the email problems that occur, for anyone to limit communication with customers to email only and then send that correspondence to the wrong email should be criminal. It should be illegal to report late payments in this situation and there should recourse for consumers who find themselves in this situation. I have not one single late payment in over 8 years and now this situation can prevent me from purchasing a home. I am more than upset and think Apple not be allowed to offer these services if they are going to create these kinds of situations for their customers. I will sell my stock, get rid of my XXXX, XXXX and XXXX over this situation. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TN

Complaint narrative:
Remove the information from my credit reports

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