vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: NY

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-10 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: NY

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
I saw a few inquiries which never belong to me. Please remove them 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 2020-07-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We purchase airline tickets and game tickets with our American Express card in XXXX for an event in XXXX for the XXXX XXXX. The airline tickets were arranged by American Express travel. We cancelled in XXXX once the Covid 19 was in full swing and it was clear we would not be traveling. We contacted both companies XXXX XXXX and XXXX XXXX for hours on the phone trying to cancel the events and credit our AMX card. XXXX XXXX XXXX said they would give us a credit but would not put it in writing. XXXX XXXX said the event would take place in XXXX and we would get tickets for that event. I am in my XXXX 's and not sure when I will be traveling again. Not to mention that there is no guarantee that this event will ever take place. I have medical issues that XXXX knows about. They asked me for a letter from my Doctor which I sent months ago. I have been out of work since XX/XX/XXXX due to the virus. We have been going round and round with AMX regarding this issue. It has been a burden to my health and family with this on going battle trying to get credit for a flight that was cancelled by the airline because of the pandemic and 2 soccer games that were cancelled by the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY 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 2020-07-10 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY 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 2020-07-10 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:
I saw a few inquiries which never belong to me. Please remove them 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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018 - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2020-07-10 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX   and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Security Credit Services, LLC
State: GA

Complaint narrative:
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX XXXX XXXX XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in XXXX. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX  would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment received on XX/XX/2020, which consequently results in a 30 day late payment to be reported to the credit reporting agencies. 

On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment as received on XXXX 2020 I have contacted the company numerous times via telephone and by email ( which included proof of payment ) regarding the first matter since XX/XX/2020 and about both matters since XX/XX/2020. 

To date I have not been contacted by them and the errors have not been corrected.

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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have a conventional mortgage loan with NewRez LLCXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. I have paid my fee of {$150.00} for appraisal to NewRez for cancellation of PMI on XX/XX/2020. My loan amount is approx $ 55k and the property is appraised at $ XXXX. They continue to delay the cancellation of {$75.00} per month with no clear explanation. I have called numerous times and spoke to countless supervisors and still as of XX/XX/2020 they have not resolved the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.

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 2020-07-10 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$440.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3600.00} XXXX XXXX {$2200.00} XXXX {$650.00}

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 2020-07-10 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$440.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3600.00} XXXX XXXX {$2200.00} XXXX {$650.00}

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 2020-07-10 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: GA

Complaint narrative:
I contacted Equifax Credit reporting agency back in XXXX, I notified them about a incorrect hard inquiry on my credit report. I placed a freeze on my credit and included a fraud alert. They refuse to contact the company XXXX XXXX to resolve the issue. I contacted Equifax three times. I keep getting a run around and incorrect dispute filings on behalf of the representatives. This is unfair business practices. I also spoke directly with XXXX XXXX that the inquiry was not made by me. I was notified that they had a different address and phone number, and it is indeed fraudulent activity. I shared this information with Equifax and they refuse to do anything to assist, even contacting the creditor. This seems to be a very unfair practice by Equifax, as other credit bureaus do not have this item listed on my report. I was directed by the Federal Trade Commission to report this action by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I owed XXXX on a credit card debt to XXXX XXXX. I called Midland funding in XXXX XXXX on XX/XX/2020. We agreed to settle for XXXX dollars. They accepted the ach that day, it cleared the next day and they lowered the reported balance to all three bureaus within a week. The XXXX remained. I called the the end of XXXX they said they would report it XXXX balance. 

I called in mid XXXX, same thing, nothing happened. I called on XX/XX/2020 and they assured me they would have it removed in days not weeks. It's there and I'm astonished. It's the last adverse item on my report. I think I'm entitled to some movement after 60 days this. 

Thank you for your attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I, received unemployment from the State of Georgia, but never received my debit card in the mail. Tried calling them but they either hang up on me or I am on hold for ever. They have {$640.00} of my benefits and have had it since XXXXi now have direct deposit into my personnel account. This {$640.00} is the only amount I haven't received because it is on a Prepaid Card issued by XXXX that I never got. I have no account number to even enter into their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX i received an email saying that my account had been closed due to inactivity. I contacted the company XXXX XXXX XXXX on XX/XX/XXXX to ask if this was a mistake and if it could be reversed. They told me that it was nothing they could do and they do not have to give any warning before closing out my account. I last used the card in XXXX of XXXX. I have not used it because typically it is my travel card but due to Covid i have not been able to travel anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I just want to link my PNC account to a payment, bu could not, please help for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 2020-07-10 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recently reviewed my credit report on XX/XX/2020 and see 2 collections on my credit report for {$840.00} and {$470.00} by a company called " Portfolio Recovery Associates '' that I am not responsible for. I have been a victim of identity theft in the past ( hence my fraud protection for all of my credit reports ). Please resolve this at quick as possible please. I am terrified and my credit score has dropped 111 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
In XXXX I called Acima and told them I had been put on leave by my job to the COVID-19. I told them I was not working and there is no way I could make payments to my account. They told me that they would put my payments on hold until I started working again. However, for the past few months they have been reporting missed payments to my account after I told them I would not be able to make the payments due to being out of a job due to the pandemic. This is extremely frustrating and inconsiderate at a time such as this when people are not even able to pay their rent and put food on the table for their families because of such a deadly virus. It is not fair that my credit has to be impacted for something I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I contacted Pro-Collect after noticing they falsely report XXXX to the credit bureaus. I sent them a certified letter requesting debt validation. I was sent an XXXX energy bill from my previous residence. I sent back proof that I moved out of the residence in XXXX and that the debt is not valid. However, they have refused to remove the derogatory mark from my credit profile. I reported them to XXXX XXXX, State of Texas Attorney General. Also, I reported them to the XXXX XXXX XXXXThis debt is not valid and does not belong to me. It should be removed from my credit profile.

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 2020-07-10 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