vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SunTx Capital Partners
State: IL

Complaint narrative:
Freedom Truck Finance ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) ran my credit without me knowing.

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 2019-10-09 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:
THE ACCOUNT IS A PAID AND CLOSED ACCOUNT THAT WAS NOT SUPPOSE TO REFLECT ON MY CREDIT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY FILE. THE ACCOUNT APPEARED ON MY CREDIT WITHOUT MY AUTHORIZATION AND I WOULD LIKE TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
We have obtained a Installment loan from M & T Bank in XX/XX/XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We had provided them with our new PO Box info when we sold our house and moved. We have been having issues with receiving information from them regarding our loan in the following list : *Last paper installments payment notices was XX/XX/XXXX. 
*Unable to log online line to view the account. 
*When they are contacted to request the information they do not provide any information and transfer us to other department and then get disconnected and/or they give another number to contact each time. We go through through this process each month every time. We were able to confirm our address with them once and the csr thought they had it in their system incorrectly and stated that she had noted it and made a change. This was XX/XX/XXXX. They will only take over the phone payments. 
They contact info for correspondence is : M & T Bank, Lending Services, Customer Support, XXXX. XXXX XXXX, XXXX, DE XXXX. XXXX Thank you, XXXX and 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 non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2019 I called Equifax 's customer service phone number to request a copy of my credit report. I was told that there was information I responded to that did not match what Equifax had on record. I was instructed to fax a copy of photo id, social security card, and a current pay stub. All was provided the same day. 

I waited thirty 30 ( thirty ) days, and still did not receive a copy of my report. On XX/XX/2019 there was a request for separation from employer information submitted by the NJDOL Unemployment division. There was a fraudulent claim submitted under my name and social security number. I immediately contact the fraud division and had the claim terminated. 

On XX/XX/2019, I submitted a copy of the letter I faxed to NJDOL to Equifax to prove that my identity has been compromised. Still no copy of my credit report was released. On or about XX/XX/2019 I resubmitted my proof with a copy of a letter I received from the Department of Labor, verifying that my identity had been stolen via fax to Equifax ; still no copy of my credit report was released. 

Upon researching the FTCs website concerning Equifax 's data breach, I discovered that my identity was one affected. I claimed the {$120.00}. On XX/XX/2019 I submitted a letter to XXXX XXXX XXXX Request Service @ XXXX XXXX XXXX XXXX, GA XXXX with copies of all my proofs in writing for a copy of my elusive report ; to no avail. 

On XX/XX/2019, I received a letter from Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX acknowledging my request for my credit report, however ; demanding another copy of my photo id ; social security card ; W2 and or pay stub be resubmitted in writing via mail. Said letter also claimed that I must submit documentation for a CURRENT MAILING ADDRESS, which is an address I have not lived at for over a decade. Again I released documentation with my TRUE CURRENT information. 

On XX/XX/2019, I received a phone call from one XXXX XXXX Credit Card regarding a delinquent account. I received the account number for same, after explaining to Ms. XXXX XXXX that my identity had been attacked as a result of a data breach, and that the credit account in question was a fraudulent one. I was instructed to submit my documentation in writing with a letter explaining what happened via fax, so that the account could be marked as fraud and closed. I obliged. A copy of said letter was also faxed to Equifax, with ANOTHER copy of all documents submitted since XX/XX/XXXX. Still to date, I HAVE NOT RECEIVED A COPY OF MY ANNUAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
After I was diagnosed with XXXX and had my treatment, I started having difficulty paying for my house, I submitted the documents for Modification, 2 years trying to achieve a mofificacion, I got sick of stress and impotence of not having my approval. I moved from my house and tried to make a shortsale and neither DITECH AND GREEN TREE OR XXXX  XXXX help me. I have a buyer paying Cash {$190000.00} and they do not accept, they do not respond .. I have the sale in 2 weeks and I will lose my house for them. please I need help!!! loan XXXX DITECH XXXX extension XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: GA

Complaint narrative:
I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on XXXX  and 2 inquiries on Transunion. 
I contacted XXXX on XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call Transunion on XXXX because their costumer service department was closed. 

Per XXXX request, On XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my XXXX credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my Transunion inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to Transunion . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call Transunion and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to Transunion. 

I reached out to Transunion and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''

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 2019-10-09 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: CA

Complaint narrative:
I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian 's current " credit freeze '' status can not be seen. Instread, they push you to pay-upgrade to " credit lock ''. 

Requires mailed paperwork every time to freeze/unfreeze credit report since 2017. Online freeze/unfreeze fails every time saying my wife and I need to mail in the request, without explanation. There's no option to upload documents either. 

Experian seems to go out of the way to make the process painful to consumers. 

XXXX and XXXX do not have such issue.

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 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt  notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.

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 2019-10-09 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: CA

Complaint narrative:
I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.

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 2019-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I logged in to review my financial aid today on nslds. Something has seemed off with the amount of my loans for quite some time. Upon loggin in, I found that when my loans were supposed to be consolidated into one loan, they were actually consoidated into two separate loans, with amounts very close to each other, on the same date, and now I owe double what I should owe. There is no way to retrieve information the the original services or original dates or the original loans, but, based on the ones that are showing up as saything they were paid in full by consolidation, the amounts of those loans are around {$19000.00} in total.

However, I have 2 condolidated loans now that show they are around {$17000.00} EACH and a balance of around {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: GA

Complaint narrative:
I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on Equifax and 2 inquiries on XXXX. 
I contacted Equifax on XX/XX/XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call XXXX on XX/XX/XXXX because their costumer service department was closed. 

Per Equifax request, On XX/XX/XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my Equifax credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my XXXX inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to XXXX . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call XXXX and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to XXXX. 

I reached out to XXXX and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
There are two debts on my credit report that I am unable to discern exactly what the debt is for or who it is from?

It is medical it seems.

I have and had two ( 2 ) insurance companies. One paid health plan and the other is Veterans Administration and surely covers all emergency related costs.

Was a claim denied? Please provide evidence. What is the original invoice and for what. Both debts are within 100 dollars of each other and filed on the same day? Are they duplicates? 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: FL

Complaint narrative:
THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY FILE.

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 2019-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX sent me a {$500.00} XXXX payment on XX/XX/19 via my e-mail address. I am attesting that yes, this was the correct way to send the funds to my Capitol One account through XXXX. She made a mistake thinking the funds should have went through my phone number. She called Capitol One. She Called XXXX. Then made a cfpb complaint : # XXXX that was denied. 

This was NOT her mistake. The e-mail address she used that is intended for the said recipient : XXXX XXXX, should have immediately sent the {$500.00} to my Capitol One account. 

Capitol One and/or XXXX, sent the funds to WRONG bank account of XXXX XXXX. Which therefore means that the funds should be correctly placed into my Capitol One account, NOT XXXX XXXX 's account. 

As you can clearly see in previous transactions, the only transfers made from XXXX XXXX 's Capitol One Account to the XXXX XXXX are for XXXX XXXX only. There are NOT transfers to a XXXX XXXX in transaction history. 

This should have been a red flag to Capitol One and/or XXXX that this is clearly the wrong account they sent the money to. Basic investigation XXXX. 

Please contact me for any additional information needed to substantiate this claim as true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I disputed the account in the amount of {$510.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Residential Bancorp
State: CA

Complaint narrative:
On XX/XX/XXXX I received a Loan Estimate from Residential Bancorp - XXXX XXXX. At the time I did not know they were supposed to put the full deposit of {$11000.00}. It was just the {$2500.00} deposit. ( Which the {$11000.00} was given before XX/XX/XXXX ). Today I realized only the {$2500.00} was showing on pg. 2 in the Calculating Cash to Close/deposit section. This was showing I still needed to {$14000.00} instead of {$6200.00}. I contacted XXXX XXXX in regards to this not reflecting on the Loan Estimator and she sent me the price addendum instead of a new Loan Estimator.  I explained that this should be reported on the disclosure, she had XXXX XXXX contact me stating it was not the Loan Estimator but the Initial Disclosure completed by their former loan originator. I explained that is not the disclosure Im referring to and the email I received was sent by XXXX XXXX on XX/XX/XXXX. XXXX responded that my loan amount was listed. I never disputed the loan amount. I am only disputing the cash to close information. Im not sure they did not add this information when it was known ( statement requested confirming items cleared ). I  have had other issues like not knowing Im paying points for a lower rate but am not complaining about this, only my disclosure is incorrect. It appears to be deceptive since my actually out of pocket should not be {$14000.00} but {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A check for over {$1000.00} was deposited into my account. While I was waiting for it to be approved, I got locked out of my account. I called Chase and they told me they choose to no longer bank with me but won't give me any reason as to why. All I did was deposit a check.

Company response to consumer: Closed with explanation