vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
reporting inaccurate information based school closure and refuse to remove.

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 2020-03-30 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 have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-30 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:
I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
FAILED TO PROVIDE VALID DOCUMENTATION OF DEBT WITH MY WET SIGNATURE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX  XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on Transunion.

2 ) All ( 24 hard inquiries ) on XXXX  3 ) All hard inquiries on 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 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
Follow up. I am thankful for a response, however the collection agency is avoiding the fact that they're in violation for continuous reporting of an account that they have no documentation to support. 

XXXX, I appreciate your response - however, I have already filled out the XXXX XXXX fraud packet. As stated, I've dealt with them personally. Or attempted to rather, they stated they're no longer liable or responsible, and for me to contact the collection agency. I already completed that packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My Name is XXXX XXXX and Im putting a complaint in on Citizens Bank In reference to refinancing my home I applied for a refinance loan XXXX and have been back and forth with the loan officers XXXX XXXX , XXXX XXXX XXXX and on XX/XX/XXXX I finally got fed up and requested to speak with a supervisor which her name is XXXX XXXX . For months I have goin back and forth with XXXX XXXX once I wasnt able to talk with XXXX XXXX, She has done horribly with communicating with me and never comply with me unless weeks go pass and I would have to call her and see what are status was with closing. It has been a numerous of times she has made me think we were going to close and nothing When I say we meaning myself and my husband.Anytime she was off of work no one has called or contacted me or my husband shouldnt it be someone in place so every time she was off that hurt us badly because it would put us at the beginning of the loan we would have to submit paperwork over again bank statements, award letter from social security office, she would just pull my husbands statements because he is a citizens customer my statements. We have had 3 appraisal which she stated to me that they were outdated which who would be at fault for that not me because we are waiting on her to contact us back never a response only sometimes. I have emails of the months and times of some of our communication. This is so unfair to us as customers and when I called her today both XXXX and XXXX no response XXXX responded to my email but when I called her to tell her I didnt understand and what Im I to do she never contacted me. I feel discriminated against and I have felt this way for a while is this the way customers are treated I really dont understand. Two appraisal came in at XXXX dollars and now XX/XX/XXXX which is the third appraisal they have us XXXX XXXX did not do her job as a loan officer Things are suppose to be explained so the customer understands everything we have been hanging on a string the whole time. She pulled my bank statements back in XXXX without my permission at XXXX XXXX  not sure if the bank submitted them to her or not because that illegal I want answers and we spent funds and supposedly the work that was done that was requested by the underwriter were approved that we completed them and I thought that means we move on to the next thing no we kept being pushed back to the beginning of the loan. We never move forward and when we thought we were closing It never happened We are out of funds that we saved up held on to closing money and rearranged our lives for this refinance. This was the worse refinance and frustrating cause felt like we have been in it alone, Hopefully someone can help us and make us want to continue as customers here. Thankyou for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: FL

Complaint narrative:
I have a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.

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 2020-03-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on XXXX.

2 ) All ( 24 hard inquiries ) on Equifax 3 ) All hard inquiries on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: MO

Complaint narrative:
After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on XXXX.

2 ) All ( 24 hard inquiries ) on XXXX  3 ) All hard inquiries on 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 explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CO

Complaint narrative:
My name is XXXX XXXX I bought a XXXX XXXX XXXX using Westlake financial services account # XXXX Sent me a letter stating I owed {$13000.00} to close the account with a one time  offer to settle {$2600.00} I called them and asked if there was anyway to pay XXXX today. this was on the XXXX of XXXX, XXXX the lady I spoke to said the least they could settle with was XXXX if I paid right then so I paid it and she said my confirmation number would be emailed it never was I never recieved my receipt or confirmation and when I called back i was sent the receipt through an employee email not westlake financial and they also stsred that they would report to all 3 bureaus as settled with a XXXX balance I have the letter that they sent with the offer to settle please help me for all I get is a run around

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: MI

Complaint narrative:
I have two accounts that do not belong to me on my TransUnion credit report ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I filed a dispute with TransUnion and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with TransUnion as well as contacted XXXX XXXX multiple times by phone and mail requesting validation and physical proof that the debt is mine. XXXX  sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. TransUnion responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now XXXX XXXX has listed ANOTHER fake account on my credit report ( not TransUnion ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.

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 2020-03-30 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX  XXXX {$110.00}

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 2020-03-30 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX  XXXX {$110.00}

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 2020-03-30 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: FL

Complaint narrative:
XXXX guided me to create accounts with equifax, XXXX, and XXXX  in order to be able to Freeze and Unfreeze my reports for identity protection. 
Successfully created all three accounts and Froze my reports. 
All of a Sudden, I Could No Longer Log Into EQUIFAX. 
On the phone with support. Password Resets Never Took.

Has now been One Week since I was told a " ticket '' had been created to help me.

Other Two bureaus I have No Issues with. 
Have already canceled XXXX. No need to Pay for services already offered for free. 
The email Username I use with equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I opened an account with Loan Care in XXXX of 2018. I wait for a welcome packet or something to state when my payment was due. I never received that payment date. When I called Loan Care they old me I " slipped through the cracks '' and they would send me a payment slip. It never came. 
I began making payments and called them because I was worried and they told me that it was too late and my payments were already late. I told them that was unfair but they said they couldn't do anything about it. 
I have made every payment on time since I attempted to correct this issue, but the continue to mark me 30 days late. 
I don't feel that I am at fault for " slipping through the cracks '' and every late payment should be removed.

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 2020-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I've filed 2 online request and one verbal request, by phone, to have Loancare issue payout balance. I am in the process of refinancing my mortgage with XXXX XXXX. Loancare refuses to issue my payoff balance. My 1st request was on XX/XX/XXXX and again on XX/XX/XXXX and on the phone a 3rd time on XX/XX/2020. I have a screen shot ( attached ) of my request on XX/XX/XXXX. I also have the employee 's ID number XXXX. He is the person I spoke to on XX/XX/XXXX. 

Company is Loancare , LLC phone is XXXX website is https : //www.loancareservicing.com/company/contact-us/

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I contacted Select Portfolio Servicing ( SPs ) last week by email requesting for a hardship forbearance due to the coronavirus. I am a XXXX. I have lost all my clients due to the pandemic and have no means of making any payments. 
I have been informed by SPS that they will foreclose on my house. They are insisting on my having a short sale or giving them the deed to my house. 
Congress gave $ 50b to corporations which SPS will get a substantial share of. 
My clients have lost their jobs, I have no source of income other than the stimulus that will coming from the government in the next one month. Right now, I am barely managing to survive with my XXXX children. 
This issue is nationwide and not peculiar to me. people are trying to make ends meet. There is no demand for XXXX  now. All the XXXX are closed. 
I want a hardship deferral to secure the house for my XXXX children and I. we want to keep our home and need SPS to work with us. 
In SPS 's response to my earlier complaint, they stated incredibly that they did not know where I lived. they claimed that they did not have any address for me. 
They know my address and know that I live in the home that I am trying to save. This shows their lack of good faith for them to tell outright lies about not knowing where I live or the address to contact me. I have had numerous written and verbal correspondence with them and they know that my address is the home that I am trying to save.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: NC

Complaint narrative:
I received a notice from a company called Professional Account Management , LLC from XXXX WI, XXXX XXXX XXXX  claiming they are trying to collect a payment of {$88.00} for an unpaid toll in the state of Delaware back on XX/XX/2018. First of all I never received a citation from the Delaware Dept. of Transportation. Second of all this collector claims it was my 2nd notice which is untrue. This is the first notice! I normally don't even drive through Delaware and they claimed I ran an EZpass lane which I would never do!! When I started to ask  for more detailed information like where is a photo of the vehicle or more information about my vehicle, I was disconnected. There is only the notice to pay with my address and vehicle tag no. in the notice. No other information or photos. 

I would be stupid to pay this based on a statement with no citation nor evidence that I did not pay a toll!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have been on hold to with Shop Your Way Sears ( aka Citi ) to suspend my payments due to Corona related income reduction for about 3 hours. Someone finally picked up and told me that if I place my card on forbearance my account will be closed. I asked how long the forbearance would be for and she told me I could not be given that information unless I was willing to close my account and that it would not be reopened ever. She then put me on hold again with dead air appearing to make it look as though I'd been disconnected. Finally, she returned to tell me I was being put on hold again awaiting talking with an account manager. My experience with this makes it clear that this credit card company is resentful in providing forbearance as the subtext of the conversation is actually a threat of forbidding future credit and making it so onerous it would be seemingly impossible to get done without and extensive time investment. I do not think it is the intention of the Care Act to treat people as bad credit risks and or make it impossible to later procure credit and require enormous effort to exercise the benefits it offers. This credit card company needs to immediately institute and easily accessible online application, complete with all details of how long the forbearance will be and how the paused payments will be handled once the forbearance is over. While writing this I finally was given a person to speak with who then told me at this point I could have my account shut down with no information on what that would mean and how it would impact me or my credit or I could call back at some future date and wait on hold again for many hours to see if their management had made decisions and made actual forbearance options available. Clearly, this company does not want to play, or comply with the spirit of the Care Act and is willing to make it impossible for people to benefit by it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violations enclosed by law

Company response to consumer: Closed with explanation