vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Genesis Card sevices, which I have a account with on another Card Milestone unknowest to me send me a credit card under the name Desitny Credit Card, While I reviewed my credit report on XX/XX/XXXX I saw a balance of {$75.00} from Destiny Credit Card, I call them the same day and reported this to them. They told me I must have applied which I stated I did'nt they said that was a proccessing fee the {$75.00} even if the card has never been recieve or activated, at this time a supervisor came on phone and stated that this matter would be resolved. Upon checking my score XX/XX/XXXX I saw the charge still on my report. I called and talk to a foriegn agent and was told there is nothing that can be done and I have to report fraud, mind you this Desity card has never been activated.Question I ask was how can this be, that am being charge {$75.00} for and card not activated and one I never applied or recieve. Am filing this complaint so that people won't be trap in paying this fee. 
The have all my info due to I have a account with Milestone. Please avenues I have to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: PA

Complaint narrative:
XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.

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 2022-08-01 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: PA

Complaint narrative:
XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this XXXX mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX Middle Name : XXXX Last Name : XXXX First Email : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX XXXXXXXX XXXX  XXXX # XXXX amount : {$600.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX  Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-01 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. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX amount : {$2400.00} Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain account that I had previously disputed. However, I have still the account on my report that is fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few item on my report. According to FCRA section 605b, credit bureaus are required to remove or block any account that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00}

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 2022-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
INCORRECT REPORTING SERIOUS DELINQUENCY 60 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
INCORRECT REPORTING SERIOUS DELINQUENCY 60 DAYS.

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: IL

Complaint narrative:
Credit card applied for through my bank, application was denied. I did not apply for a credit card.

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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We purchased a mobile home in 1998. It was financed through Green Tree. Then it was bought out by Ditech and now financed through Shellpoint. We have never refinanced this home and never been late on our payments. We have this home for sale and ready to close only to find out from the lawyers that Green Tree the company we originally financed with still has a lien on our title therefore we can not sell our home. We have already purchased and moved into another home with the thought we were closing this week until we found out about this lien. Also Green Tree is no longer in business. We contacted Shellpoint and all they will tell us is they have to investigate and it could be mid XXXX before we find out anything. This should be illegal actions. How do other companies buy out mortgages and the company never remove their name from the title??? This has really putting us in a bind as now our buyers may not be able to purchase our home due to errors with the title.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target Credit Card defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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:
On XX/XX/2022 I sent a certified letter to Experian to dispute incorrect information on my credit report. I received a response dated XX/XX/2022 claiming that an investigation had been done and the information had been verified. On XX/XX/2022 I sent another certified letter to Experian because they did not actually prove that the debt in question was mine. I did not receive a response within 30 days. On XX/XX/2022 I sent a certified letter explaining that they did not respond in 30 days and they should re-investigate the incorrect items and remove them immediately. In XXXX, I received the green proof of signature card from Experian but it was not stamped or dated, which allows me to track how many days it takes for them to respond. Experian Credit Bureau has not responded in the time frame required by law and they have not removed the incorrect information from my credit report. I believe this is a stall tactic used by Experian to keep from doing the work of investigating and removing incorrect information 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax reporting agency is reporting false and inaccurate information on my credit report I have reached out to them on this matter there is a medical debt collection appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes for this account is not been properly Investigated the dispute is coming back as accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the three accounts listed was coved by XXXX XXXX to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companie nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my XXXX data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
INCORRECT REPORTING SERIOUS DELINQUENCY 60 DAYS.

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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mortgage is with Fifth Third Bank. My monthly payment is set on autopay for {$1600.00}. I requested to pay an additional {$200.00} per month towards the principle for a total of {$1800.00}. {$1600.00} was autodrafted on XX/XX/22 without the additional payment I requested. On XX/XX/22, I called to follow up on the {$200.00} extra that was supposed to be set up on autodraft as well but was never set up. The rep I spoke to had no explanation on why it wasn't done. On XX/XX/22, {$2800.00} was autodrafted. My husband called to inquire on why the drastic difference and was told that it's to cover our flood insurance. He explained that our HOA covers our flood insurance as we've explained before. They apparently needed a specific documentation as proof and had to reach out to the HOA for it. We were told the difference would be refunded immediately. It was never done. On XX/XX/22, {$2800.00} was autodrafted. My husband called again, same story. There was no explanation on why we weren't refunded for the balance over our usual payment. We were promised it would be refunded and to date that has not been done. We spoke to other representatives today in the insurance, mortgage, and customer service department and there has been no effort to resolve this issue. The customer service representative said she can see the request for the refund and advised to give it until XXXX for the refund but I do not have any confidence that this will be processed. There is no explanation on why the last 2 refund requests were not fulfilled either. My monthly billed amount should go back to {$1600.00} and a total of {$1800.00} should be autodrafted with {$200.00} towards the principle. I do not have any agreement from anyone to see that this change will be made. Nobody seems to be able to provide any kind of follow up. I'm being told to call again then get bounced from department to department. I need the overage charges refunded ASAP and I want my monthly payments to go back to what it was before. I would also like a phone call or email to confirm that this issue is acknowledged and that someone will follow through to see that it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 2022-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
During my time with Navient which I believe took over Sallie Mae, I was constantly taken in circles from 2002 and on. At one point my loans were consolidated after I agreed because my loan payment was going to be affordable. Which it was not. In addition, during the life of my loans I would call and attempt to get in a payment plan that was affordable to my living situation. I would call asking to be entered into this plan by giving my information and income, I would be quoted a number, they would put my plan in deferment or forbearance, pending my paperwork. I would submit all necessary information and upon time for my payment, it would be most often triple or quadruple what I was quoted. I would call and again ask for help and again the process would start over. Every time period in-between my account is collecting interest. My amount of my current loan is thousands and thousands of dollars more than what I even started with due to this deception. They never had any intention of finding an appropriate plan I feel.

Company response to consumer: Closed with explanation