vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: PA

Complaint narrative:
Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.

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 2020-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2013, signed and accepted a Loan Modification Agreement ( FHA-HAMP Modification w/ Partial Claim ). The agreement we both signed did NOT explain or document that Bank of America would place a second deed of trust recorded on XX/XX/2013 ( Instrument # XXXX XXXX-XXXX ) in the amount of {$85000.00}. Note The Trial Modification documentation with our signatures agreeing to the terms were submitted during the eligibility phase, which Bank of America required multiple pre-signed notary acknowledgements. ( Please see California Notary Acknowledgement dated XX/XX/2013). We did not agree nor was made aware of this lien of {$85000.00} as part of the loan modification trial period or permanent modification, otherwise we would not have agreed to such an enormous amount of money. The financial documentation with our signatures agreeing to the terms of the trial modification were submitted during the eligibility phase, therefore not being forthcoming about the {$85000.00} lien trust upfront. Also, we provided multiple copies from a notary dated XX/XX/2013 that Bank of America used to complete the Modification Agreement. Hence appearing as though we were aware initially about the partial claim amount. There is definitely nothing noted in this Loan Modification Agreement dated XX/XX/2013 document that speaks to the amount of {$85000.00}. Please see Loan Modification Agreement, XX/XX/2013, # 4  ( 1 ) The FHAs subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The FHAs subordinate lien may also make it more difficult to get additional subordinate lien financing.

Therefore, there was a breach of contract and Fraud on Bank of Americas part. 
To state a claim for breach of contract, a plaintiff must allege that ( 1 ) there was a valid contract ; ( 2 ) the defendant breached its duties under that agreement ; and ( 3 ) the breach caused the plaintiff damage. Guckenberger v. Boston Univ., 957 F. Supp. 306, 316 ( D. Mass. 1997 ) ( citations omitted ). A valid contract requires an offer, acceptance, and consideration. See Vadnais v. NSK Steering Sys. Am., Inc. , 675 F. Supp.2d 205, 207 ( D. Mass. 2009 ). 
We are requesting to be released from this fraudulent lien of {$85000.00} and this mortgage to be removed from all three credit bureaus.

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 2020-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, Toyota Financial Services refused to send me itemization of charges assessed with original bills to my XXXX XXXX XXXX car loan. Those erroneous charges are {$2100.00} ( unknown )  and {$250.00} ( unknown ). I want the original bills for proof. 
Otherwise, the charges must be removed by law. 
I want the original bills. 
Next, On XX/XX/XXXX, I cancelled GAP for {$1000.00} and Warranty for  {$3200.00} back to XX/XX/XXXX on XX/XX/XXXX. Non usuage of products and with in 30 days. 
TFS charged me interest from XX/XX/XXXX to XX/XX/XXXX. 
I was told I can cancel these and no interest would be charged and credited back to my account for I never used these junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: NC

Complaint narrative:
I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several datat breaches including the XXXX data breach, the equifax data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I fixed this debt with the collection agency prior t to this third-party collections and it was removed from my credit reports. Now this has brought it back on my credit reports I am asking them to immediately delete it. This debt have been paid in full in the amount of {$400.00} # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
On the XXXX of XXXX I called for a free consultation and authorized Lexington law firm to charge my card XXXX cents to run my report. At the end of the consultation I was told my fee would be XXXX a month to dispute one item. I then told the agent Im not interested in there services. He advices me to speak with a paralegal about price on Monday. I thanked him and told him I wasnt interested. On Thursday the XXXX I saw I pending charge. I called 5 different numbers and was not answered. Called from a different number was answered immediately. Explained I didnt want the service was told I wouldnt be charged and I was. Called 3x on the XXXX now there staring they wont refund my money cause its not in five days. Which the XXXX is actually four days not counting Sunday and if Sunday is counting the XXXX makes the 5th day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Credit report company unauthorized freeze on my online account not allowing me to communicate online put Unauthorized statement on my account Will not delete information 8 to 20 years old report information as old 1998

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 2020-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have attempted to ask for a settlement from the company, but the company refuses to settle. I have been unable to make payments, and today I received a collection call for the balance. The collector call my phone number, my work phone number, and other relatives. The person who called gave out personal information and left threatening messages like they were going to come to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: NC

Complaint narrative:
I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several data breaches including the XXXX data breach, the XXXX  data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2020-03-17 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: NC

Complaint narrative:
I recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several data breaches including the XXXX data breach, the XXXX  data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

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 2020-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Since XX/XX/2019, I have been in constant contact with the company wherein " late fees '' have been charged to my auto loan. My acct comes due on the XXXX of every month, and I have made every payment ( less one ) on the XXXX, XXXX, or XXXX depending on which day my payroll falls at the first of the month and immediately drop it in the mail. This was understood by me and the company when I purchased this car and was told this wouldn't be a problem. On the single one late, I gladly paid late fees for is wasn't the companies fault. 
With the combination of where I mail my payment in, and the way the company processes my payment, it generally never clears my account for 8 - 10 days. 
Because of this time frame, the company insist that this is my fault and I have to pay additional fees therein. 
Granted this is not a large amount, but there is a principle involved. 
I have made every effort to speak with the company and they treat me extremely rude and continue to say this isn't their problem but mine. I have 3 payments left on this loan and today they have told me as long as I have late fees outstanding, I will not be given my title and they can repossess my car. 
This is not right in my book and would appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Total Card, Inc.
State: TX

Complaint narrative:
Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX notifying them that my XXXX  credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX  credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Merchants & Professionals. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. On XX/XX/XXXX the company sent a statement reflecting a balance owed for my daughter XXXX XXXX who was covered under XXXX and therefore charges should have already been paid. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and therefore a 2nd validation letter was sent, along with a copy of letter sent by the agency as well as a copy of my daughter 's XXXX card requesting further review as the account should have been covered in full. As of today I have not received any further correspondence from creditor to validate these accounts as not having been paid tand furthermore I do not believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was ran through XXXX and remains unpaid and all reported information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I had went to the hospital in another state and then moved. I received notice of the medical after it was sent to collections from the hospital and the debt collector had already reported it to all 3 bureaus. I called the company, Transworld Systems Inc. at XXXX, today to advise I would pay the balance in full in exchange for a deletion letter. They advised they would submit it as paid in full but not provide a deletion letter. 

Right now, I understand it is may not be a violation of the FDCPA, but debt collectors should not be able to damage your credit for years ( after paying off the medical debt ) and then refuse to remediate it. Why is part of the FDCPA that requires that debt collectors who report provide deletion letters if the debt is paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

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 non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to open a checking account ( XXXX ) with US bank. However they called and asked me to provide documents to show i'm here in the US legally. This is not a legal requirement. Banks often ask to provide documents to verify identity, which i'm happy to provide, but consumer 's do not have to prove their legal status. 

I find US banks practice discriminatory and against 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