vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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:
equifax has placed my credit file in the Consumer Affairs. 
I have no idea why I can not view my credit report through any monitoring services. There are other fraudulent accounts that are on my credit file the company refuse to remove or block. They are not complying with the FTC law. The account is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have a student affiliated loan that is governed by XXXX. I understand that XXXX is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to XXXX so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.

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 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I got this letter in the mail saying that I need to pay {$20.00} on XX/XX/20. I do not have a credit card. Someone is trying to impersonate me. I called the company, the number that was on the paper : XXXX XXXX XXXX XXXX, they said that it's going to take 2 minutes and 30 seconds to talk to the representative. All of the other representatives are on call. So I waited for 5-10 minutes to no avail. Plus, the number doesn't match the area code. The credit collection service says XXXX, Massachusetts, while the member 's area code is for New Hampshire in the North Numbering Plan, not XXXX, Massachusetts. Moreover, credit collection services deals with family insurances, not credit collection services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: OR

Complaint narrative:
I learned about a fraudulent account by checking my credit report. It was a collection from Allied Collection Service for an account with XXXX XXXX opened XX/XX/2019 for {$600.00}. I initially disputed the collection with XXXX  and XXXX, but received notification that my dispute was " resolved ; reported by grantor '' and it was not removed from my credit report. I then called Allied Collection Service at ( XXXX ) XXXX, at which time they said the only ways they could look up my account were by account number ( which was not listed on my credit report ) or my social security number. They said they don't have the capability to look up accounts by my name, which is unbelievable. Since the original XXXX account is definitely fraud ( we have only ever had XXXX ), I believe the collection agency may also be fraudulent. I did not give them my SSN, so they said they couldn't help me. But, they did transfer me to a recorded message about reporting fraudulent XXXX accounts. I completed the Identity Theft Affidavit form on XXXX 's website and sent that in today. I also found a lot of articles about fraudulent XXXX accounts, so I think this problem is pretty widespread. Even if this collection agency is legitimate, they certainly did not do their due diligence in verifying the account was actually mine before reporting to the credit bureaus. Additionally, I had never received one bill or notice from Allied Collection Service ( or XXXX ) ever.

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 2020-03-03 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: AES/PHEAA
State: TX

Complaint narrative:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to fedloan servicing, XXXX, XXXX, tXXXX and any other parties who have access to my information and debt.

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

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for XXXX XXXX XXXX XXXX  XXXX . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, XXXX XXXX  recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and XXXX is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to EXPERIAN and they updated my file but it does not reflect the agreement made with me by XXXX while working for XXXX. 
Can you please require XXXX to honor the arrangement made with me Thank you f

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.

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

Complaint narrative:
In XX/XX/2018 I had fraudulent charges on one of my cards. The whole balance due was those charges and I knew that I wouldnt have pay them. They reported my late payment to the credit report companies. I have disputed this 6 times since then. They fixed it once then the item was placed back on my report. The credit bureaus keep saying that the info is correct

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 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX sold my loan to NewRez, effective XX/XX/2020. I received a letter in the mail ( that I did not get until XX/XX/2020 ) dated XX/XX/2020 stating that effective XX/XX/2020 the servicing of my mortgage loan ( collecting payments, paying taxes and insurance, etc ) transfers from XXXX to NewRez. In the meantime, I had made my XXXX payment to XXXX .... Ironically after I left a message with customer service at NewRez, my mortgage payment was refunded to my bank account ( on XX/XX/2020, making my XXXX payment over 30 days late ). 

Today, XX/XX/2020 I have attempted to reach NewRez twice - once at XXXX, where I was on hold for 6 minutes until I elected to request a call back. I left all of my information on the voicemail and have yet to hear back. At XXXX, I called back. This time, I was on hold for 31 minutes, never to speak to a anyone. I eventually called back and was able to make a payment by phone, but it is still late. Make matters worse ... .I 'm in the middle of trying to refi!! I have never had a late payment and this will be my first. I can not get a hold of a human to discuss/request assistance to get it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
On my Mastercard statement with a due-date of XX/XX/XXXX, there was an item dated XXXX in the amount of {$1300.00} which I did not recognize. 
XXXX I called the " Account Inquiries '' number XXXX and spoke with " XXXX '' in their fraud department, not entirely sure what was going on yet. She took the charge off the statement for the time being, so that an investigation could take place without charging me, and cancelled my card, issuing me one with a new number. 
The statements " due '' XXXX XXXX and XXXX XXXX, XXXX were fine. 

However, M/C informed me that they had investigated and that the charge IS mine, and that the credit card had a " chip '' in it, " proving '' that it was used onsite and not called in by telephone. Result : the erroneous charge of {$1300.00} was back on the statement with the due-date of XX/XX/XXXX. 

I can not explain how my card was somehow duplicated and fraudulently used. The original card remained in my possession until I shredded it in XXXX, and I have neighbors who can verify that I was in town that weekend, having taken my grandson to the Airshow.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXs reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.

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

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.

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 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a collections account in the amount of {$430.00} that is being reported by XXXX XXXX XXXX in error. 

XXXX bought my account from Synchrony bank in XX/XX/XXXX. On XX/XX/XXXX, I wrote to Synchrony and XXXX asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. XXXX sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from Synchony bank dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from Synchrony directed me to contact XXXX for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both Synchrony and XXXX and when will the incorrect trade line be removed 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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2020 Internal Revenue had put {$1200.00} into my bank account on XX/XX/XXXX American Express Bank close my account due to a transaction that I did not authorize the amount of that transaction is {$39.00} from nat score. On XX/XX/XXXX at XXXX XXXX. in the morning I contact the American Express and told them about the incident from there on I was put on the phone with representative who told me to wait until Friday and they will have a response to whether my account would be unlocked or will will be remain locked it is now XX/XX/2020 and every time I call them I get the same response to give them one to two business days it's going to be almost 2 weeks and still my funds are in the bank and they would not release them to me. I have read online where this have recently happened to someone in California will they shut down her bank account the day after her taxes was put into her bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 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: RI

Complaint narrative:
In XX/XX/2018 I had fraudulent charges on one of my cards. The whole balance due was those charges and I knew that I wouldnt have pay them. They reported my late payment to the credit report companies. I have disputed this 6 times since then. They fixed it once then the item was placed back on my report. The credit bureaus keep saying that the info is correct

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 2020-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I sold my home on XX/XX/2019. 

Specialized Loan Servicing in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling SLS this and they keep trying to collect money from 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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, XXXX transunion and any other parties who have access to my information and debt.

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