vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: MI

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$290.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2019-05-02 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2019-05-02 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2019-05-02 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 am a victim of identity theft and have been fighting this or a long time. upon pulling my credit i see the chapter XXXX bankruptcy on my credit report. This is fraud. The cra stated to me that this was verified. upon further research and contacting the county clerks office stated they have sent no notification to the cra 's. This was done by a third party. i need this removed from my reports asap.

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 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Hello, I reached out to portfolio recovery associates, disputed this with the credit bureaus multiple times online and via mail, the credit bureaus continues to put remake stating I disagree if it meets FCRA guidelines but the creditor and credit bureau has failed to provide me with original signed documentations providing proof that this is my debt, all that Ive received is a list of transactions with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
I reported this XXXX XXXX bill and a collection company called XXXX XXXX for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB XXXXXXXX XXXX sold this account to this new company called XXXX XXXX XXXX , XXXX XXXX XXXX was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC  case # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I SEE ON MY CREDIT REPORT THAT I HAVE A MORTGAGE LOAN. I HAVE NEVER HAD A MORTGAGE LOAN.

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 2019-05-02 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:
i am a victim of identity theft and have been fighting this or a long time. upon pulling my credit i see the chapter XXXX bankruptcy on my credit report. This is fraud. The cra stated to me that this was verified. upon further research and contacting the county clerks office stated they have sent no notification to the cra 's. This was done by a third party. i need this removed from my reports asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I reported this XXXX  XXXX bill and a collection company called LVNV funding for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB LVNV funding sold this account to this new company called XXXX XXXX XXXX , XXXX. LVNV funding was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Credit Protection Association, L.P. refused to remove negative reporting from credit reports. Did not produce enough evidence of proof of debt. No proof of debt shown. Creditor remarks incomplete or incorrect. No evidence of original requests to open account or pay for Service. Fraduanlt account, investigation process status showing completed, and statement posted says compliance with FCC regulations. Yet did no show proof of 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
Consumer complaint received 2019-05-02 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: HW Holding, Inc
State: FL

Complaint narrative:
We withhold rent because of landlord 's obligation to maintain premises in violation of statute 83.51 of the state of florida and now landlord have a retaliatory conduct S83.64. The images of how the apartment was can be found in the response of XXXX XXXX VS ( names removed ), case number ( number removed ) mailed by the clerk of the court on XX/XX/2018. 

We request a motion for the judge to determine in court how much was going to be paid and cancellation of the contract for health issues related to pests and other aspects that can be read with details and see images in the lawsuit. Cancellation of the contract was requested to be made on XX/XX/2018 in addition to the return of {$2800.00}, in that money that was requested to be refund are payments that Hunter Warfield is trying to charge me in the {$3600.00} that is affecting my credit in XXXX and XXXX. In XXXX   they removed the negative mark after a complaint but I called Hunter Warfield and they refused to remove them from the rest.

The contract is canceled, the judge orders to leave the apartment the day we asked for and never pronounced in favor of the payment of the money that Hunter warfield is trying to collect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: NY

Complaint narrative:
XXXX XXXX is my name my social is XXXX The negitive account with XXXX XXXX supposed to be block from showing on my credit report i summited police report to Experian fraud dept .but the 3 accounts ate still showing on my credit report. Please have Experian block these three negitive accounts from showing thank you

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 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: CT

Complaint narrative:
I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that my account had been sold to Second Round LP on XX/XX/XXXX.

I never received a letter or any documentation from Second Round LP regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/XXXX and as of XX/XX/XXXX its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
2 MORTAGE PAYMENTS WENT OUT FROM MY WELLS FARGO ACCOUNT TO XXXX XXXX XXXX XXXX WHICH I WAS NEVER NOTIFIED HAD PURCHASED MY LOAN. I PAID XXXX USING WELLS FARGO APP ON XXXX AND THEN THE AUTO PAYMENT SENT A DUPLICATE PAYMENT FOR THE SAME MONTH ON XXXX FOR XXXX. I HAD ABOUT XXXX LEFT IN MY ACCOUNT BEFORE THE SECOND PAYMENT WENT OUT. I HAVE FOUGHT THIS FOR 32 DAYS AND SPENT 37 HOURS ON THE PHONE WITH OVER ABOUT 20 PEOPLE BOTH WELLS FARGO AND XXXX XXXX XXXX XXXX. THIS COMPLAINT IS FOR WELLS FARGO. A SEPERATE COMPLAINT WILL BE RE FILED AGAINST XXXX XXXX XXXX XXXX. 
I HAVE SPENT ABOUT 37 HOURS FIGHTING THIS WITH XXXX COMPLAINTS. MY BANK RECORDS OF DEPOSITS AND PAYMENTS WILL SHOW IN A COURT OF LAW IF REUUIRED BOTH PAYMENTS WERE SENT AND NOW I AM TOLD NOT EVEN 1 PAYMENT WAS RECEIVED BY XXXX XXXX XXXX XXXX. WELLS FARGO CAN NOT TAKE XXXX OF MY FUNDS AND JUST FORGET IT. THEY CAN NOT WASH THEIR HANDS OF THE MESSED UP HAND OF OF MY MORTAGE TO XXXX XXXX XXXX XXXX. I WILL RE FILER SERERATELY WITH XXXX XXXX XXXX XXXX. TODAY XXXX JUST BEFORE XXXX I WENT TO MAKE XXXX PAYMENT AND WAS TOLD THAT I NOW OWE 2 PAYMENTS, WHERE DID MY XXXX DOLLARS GO BESIDED BEING SHUFFLED BETWEEN WELLS FARGO AND XXXX XXXX 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 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/2019 dated XX/XX/2019 stating that my account had been sold to XXXX XXXXXXXX XXXX  on XX/XX/2019. 

I never received a letter or any documentation from XXXX XXXXXXXX XXXX regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/2019 and as of XX/XX/2019 its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a complaint about Equifax who has failed to delete a false debt from my credit record. 

The problem started when I received a collection letter from XXXX XXXX XXXX, dated on XXXX XXXX, XXXX. It stated that I owed a chargeback ( total {$120.00} with fees XXXX for a stay at XXXX XXXX on XX/XX/XXXX. I have never stayed at any such hotel. 

I have previously provided all the evidence necessary to Equifax to dismiss this debt claim ; yet after filing disputes about this issue four times, Equifax has still failed to investigate this false debt claim. I have contacted all the other major credit bureaus regarding this debt and they were able to promptly verify that this debt is not mine and delete it from my records. 

As a side-note, Equifax publishes an incorrect address on their dispute report, which is needed for mailing additional supporting documents. Even the post office could not resolve this address in their system. I had to call Equifax customer support to get the correct address. 

This is clearly a case of mistaken identity and have provided the following evidence : [ As suggested by CFPB guidelines, I will not use my real name, instead I use a pseudonym to illustrate in the following description. I have also altered the numbers XXXX XXXX names of the addresses, but they are still representative for this situation ] 1. Hotel records show guest 's name is XXXX XXXX. My name is " XXXX XXXX XXXX XXXX. No government issued identification or credit cards have ever been issued to me as XXXX XXXX. 

2. I do not reside ( or have ever lived ) at XXXX XXXX XXXX XXXX XXXX XXXX, CA. Yes, my current address is " XXXX XXXX XXXX XXXX '', but they are different. Furthermore, any similarities between the guests address and mine are merely coincidence. This address is inadmissible in identifying myself as the guest because I didnt move to my current address until XX/XX/XXXX and the hotel check-in date is XX/XX/XXXX. I have provided a Move Out Statement as proof. 

3. I have never been issued a credit card ending in XXXX, which was used for the hotel booking. 

Equifax has made no attempt to investigate the legitimacy of this debt. From discussions with their customer service personnel, Equifax merely contacts the XXXX XXXX XXXX for verification ; yet it is the collection agency that is submitted the false claim and stole my identity to collect a debt which doesnt belong to me ( I have already filed a separate complaint for XXXX XXXX XXXX ). It is shameful to see such a lack of due diligence and carelessness from a major credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My home purchase offer in XXXX, CA was accepted on XX/XX/2019. With all the documents requested I provided in day one including, but not limited to, my tax returns, paystubs, bank statements and source of downpayment, Ally Bank/Loan Advisor XXXX XXXX helped me the rates and terms locked on XX/XX/2019 for the 30 years fixed. The closing date will be XX/XX/2019. Today XX/XX/2019, a merely more than one week from the closing date Mr. XXXX called me and my wife for urgent. Mr. XXXX stated in obscure and rude that the tax and insurance of my property in XXXX, CA have not been counted the right way. Apparently Mr. XXXX was pushing the responsibilities and consequences on me and my wife behind. Mr. XXXX told me that I have two options : 1. Ally Bank modifies my loan terms substantially and unfavorable to me and my wife from 3.875 % to 4.125 % fixed rate, from XXXX to {$3000.00} payment, and from {$650.00} lender credits to {$2900.00} loan fees. Or 2. I switch the loan program from the fixed rate to the ARM, which does not go with our financial plan. I can't trust Mr. XXXX anymore due to his poor practice, which I consider over-promising, unethical, misleading and absolutely not professional. I refused to work with him. I asked for the contact number of his direct supervisor and/or manager. He ignored it and continued his approach trying to convince me to go with either of his two options not favorable to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M, AND T BANK BOUGHT MY MORTAGE UNBEKNOWNST TO ME. I MADE A MORTAGE PAYMENT USING MY APP FROM XXXX XXXX TO THE LOAN ON XXXX FOR XXXX AND THE THE NEXT DAY AN AUTO PAYMENT WAS SENT OUT IN DUPLICATE. FOR XXXX. A TOTAL OF XXXX CAME OUT OF MY ACCOUNT IN 2 DAYS. THE SECOND AND DUPLICATE PAYMENT WIPED OUT MY XXXX BUFFER AND PUT ME IN THE HOLE. BUT THE FUNDS WENT OUYT TO M AND T BANK, I SPENT OVER 37 HOURES FIGHTING THIS FOR 32 DAYS SO FAR. I WENT TO MAKJE MY REGULAR XXXX PAYMENT ON XXXX JUST BEFORE MIDNIGHT FROM WORK AND FOUND OUT M AND T BANK SAYS NOW THAT THEY NEVER RECEIVED ANY PAYMENT., THEY KEEP SAYING INSUFFICENT FUNDS BUT IN A CIOUYRT OF LAW THE RECORD WILL SHOW XXXX WAS SNT TO THEM WHATECER THEY AND THEIR MORTAGE TRANSFEWRE XXXX XXXX XXXX DO WITH MY FUNDS IS OUT OF MY CONTROL. NEVER ONCE DI A HUMAN FROM M AND T BANK CALL ME TO HELP. I SPENT ABOUT 37 HOURS AND 20 PLUS PEOPLE FIGHTING THIS. NEVER WAS THERE ANY MORTAGE PROBLEM TILL M AND T BANK GOT INVOLVED. ALL I GET FROM 2 XXXX, A XXXX, A XXXX, AND OTHERS ARE LIES SAYING THEY WOULD CREDIT THE FUNDES BACK TO MY ACCOUNT FOR THE DUPLICATE PAYMENT. IT WOULD HAVE BEEN EASIER TO LET THEM JUST KEEP THE DUPLICATE AND USE IT FOR XXXX. M AND T BANK HAS CAUSE ME UNBEARABLEPAIN AND ANGUISH AND NOT ALLOWED ME TO PURCHASE POST XXXX XXXX MEDICINE FOR A FASMILY MEMBER IN THE BEGINNING OF XXXX. HAVE BEEN FIGHTING THIOS FOR 32 DAYS, NEVER ONCE DID M AND T BANK CALL ME, XXXX KEEP TELLING ME LIE AFTER LIE ANTER LIE. THEY STATED IN MY FIRST COMPLAINT THEIR WEWRE UNSUFFICENT FUNDS, NEVER. THEY RECEIVED 2 PAYMENTS AND EVEN TOLD ME THEY HAD 1 IN 'SUSPENSE ' FOR OVER 2 WEEKS JUST SITTING ON IT. NOW THEY SAY I NEVER EVEN MADE 1 PAYMENT WEHN XXXX DOLLARS WENT FROM XXXX XXXX TO THEIR COFFERS. M AND T BANK IS GOING TO BE HELD RESPNOSIBLE FOR THIS PAIN AND SUFFERING THEY HAVE CAUSED ME AND MY FAMILY ONCE THIS IS SETTLED, IN A COURT OF LAW.

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 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX shows I have 3 open auto loans while I only have one. The auto lease is due on to mature onXX/XX/XXXX. Please investigate the contract agreement XXXX XXXX XXXX shows I have reposes which I did not. I paid the whole 36 months as agreed. Please investigate the contract agreement Transunion Credit Bureau is reporting negative things on my report while it does not appear the account in good standing that is paid off. There is aXX/XX/XXXXXXXX XXXX which has been paid off the XXXX XXXX and is not showing up on my account. Instead someone elses account shows negative on my name. Transunion is reporting that I owe {$11000.00} on credit cards while I dont owe it as I have automatic payment on my credit card. I do not owe what is reported on Transunion. This specific company gives a very low rating to most of us consumers due to its inaccurate reporting.My 4 credit cards have been closed due to Transunion. It did destroyed most of the things in my life. I kept getting declined by the bank because of the Transunion report. This reporting agency should be shut down. It destroys lots of American consumers. I will be losing my job and will be homeless with my XXXX children. I blame Transunion Credit Bureau for my loan getting declined. 
XXXX XXXX XXXX closed my account after I reported that my checking account was hacked. I have to shut down my checking account and open a new account. I reported theft on my two credit cards from XXXX XXXX XXXX. After complaining it, my card got closed and was reported as charged off. I need help to fix this problem.

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an XXXX XXXX XXXX Card from Synchrony Bank and a balance of {$96.00} which was due on the XX/XX/XXXX. At about XXXX XXXX on the morning of XX/XX/XXXX I paid off my balance IN FULL but I was still charged a {$27.00} late fee. Please make Synchrony Bank remove this {$27.00} fraudulent fee and penalize them for ripping off their customers. I complained about this fee on XXXX to my followers and got over 100 comments and XXXX so this Bank have to be known to the CFPB as notorious for these type of fees.

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