vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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:
My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$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 explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
Roach and Murtha PC were sent registered mail disputing a debt and a request to cease all communication until the debt is verified in writing. 2 days after their receipt of the letter their office made multiple attempts to contact me from XXXX without having verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY. I have contact the FTC and my local police department.

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I reached out to FIRST CREDIT SERVICES when I found a collection being reported on my credit report. On XX/XX/XXXX I disputed the charge of {$110.00} as that was an account open by my ex-wife under my name and with my personal information without my consent. I told them my situation and even attempted to pay the collection if they removed the account from my report, to which they refused. Then I proceed and dispute the account with them and I never received any paperwork or information regarding the account. I called back in XX/XX/XXXX tired of seeing it in my credit report, they could not locate my account, even when they were reporting to the credit bureau. After 15 minutes of asking for information they found the account, and refused to take payment since I had disputed the account in the past. They have a policy that they don't take payments on disputed accounts. So I had to be recorded that I was not going to dispute with them the Payment and that upon payment I could not dispute said account. I agree that I would not dispute it with them but I would definitely do it with the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.

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 2020-02-26 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 applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My studentaid.gov account shows i have 6 college loans, 4 to XXXX XXXX of California - XXXX XXXX, and 2 to University of XXXX. My studentaid.gov says 2 of my XXXX  loans were canceled and never dispersed. 

Navient is/has been charging me for 4 XXXX XXXX loans, the 2 unknowns, have much higher interest rates. 

My 2 XXXX  loans on my studentaid say I owe {$13000.00} ( dispersed XX/XX/XXXX ) My 2 XXXX loans say I owe - {$11000.00} About the same for about the same time period, even though one was shorter and out of state tuition ... 

But there are these two other XXXX XXXX loans that were " given '' to me : 1 ) XX/XX/XXXX 1 month later for {$24000.00} and 2 ) {$3700.00} " given '' to me XX/XX/XXXX, 4 months AFTER the other 2 XXXX XXXX Loans were supposedly canceled. 

I have no idea where these other loans came from, and only recently noticed, because ive been trying to rebuild my credit and take better control of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In and around XX/XX/XXXX, I wanted to upgrade my American Express Delta Platinum card to the Delta Reserve Card. I went to a web site link for Delta Reserve. It directed me to log into my existing American Express account. I followed all the prompts. One week later I receive my new Reserve card. It was a different number. I destroyed my existing Platinum card. When I received my new card, I followed instructions to link my new card to my American Express account. I expected this would link my account and transfer all information over to the new card. 

In and around XX/XX/XXXX, I got an email notification that my monthly statement was available. When I logged in, I noted that all my usual monthly charges were not in the statement. I called American Express to inquire. I was also charged a 2nd annual fee. {$450.00} when I just paid an {$190.00} fee back in XX/XX/XXXX. I expected a prorate fee charge for the higher tier but not an all new fee. At this time, I realized I now had two AMEX accounts. 

Over four days, American Express told me that I applied for a new card and would not resolve the issue by reversing the transaction or even backdating the change. 

I told American Express that I wanted to upgrade only to the next tier card. They could not reverse the transaction because they emphatically claimed I applied for a new card. I told American Express that at no time did I fill out an application that would require me to provide a social security number, birth date, address, income and other information that a new application for a new card would require. 

This American Express process is very deceptive and it is forcing me to still pay a higher fee than I would have if the card would have only been upgraded. I also filed a complaint with American Express claiming deceptive processes to get me to take a 2nd credit card and 2nd annual fee that I did not want. 

If any questions, please let me know. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The reason I am filing this complaint is due to the fact that Shellpoint Mortgage Services as failed to provide me with the modification denial letter. I was advised by Shellpoint Mortgage after 14 months of review on XX/XX/XXXX that we were denied for the loan modification due to a number of factors. As of today XX/XX/XXXX I have yet to receive the letter. I have spoken with my Single Point of Contact on a number of associations and was first initially advised that I would receive the letter by mail in a few days. I followed up several times to only find out on XX/XX/XXXX by XXXX XXXX that the letter was not generated due to internal system error. She stated the file was closed out before the letter was generated however ; that the letter would be generated within 24 hours at which point she would fax a copy. I have contacted XXXX XXXX on a number of occasions and was only able to leave a voice-mail. Failure to provide the denial letter has impeded on my legal right to appeal this denial should any information within the content of the letter is incorrect. Shellpoint has exhausted over 3 weeks and now only leaves with me with a few days to appeal. In accordance with the Homeowner Bill of Rights Act, I was to receive a denial letter along with a 30 day right to appeal and Shellpoint has relinquished this right due to failure to generate such letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Prior Complaint # XXXX was wrongfully closed and closed by the bank by committing Fraud or Fraud In Fact and closed for Nefarious & /or Deceptive Reasons. 

This request is is to Re-open the aforementioned case and add to or supplement the additional crimes and violations contained herewith for a just outcome for the consumer. 

Full copy of the original complaint was attempted to be uploaded but was rejected due to size. If youy need original complaint doc 's advise how to bypass the size block and or another method and i can provide them to 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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX XXXX ( XXXX ) XXXX, from, my Experian 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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington Law firm keeps spaming me with robocalls i talked to a a representative and asked to be put on the no call list yet i keep getting calls everyday today is XXXX  XXXX 2020 and it started on XX/XX/XXXX amd hasnot stoped id like to get to take them to court for disobeying my privacy act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CO

Complaint narrative:
XXXX  and Experian are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado  and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this account.XXXX  XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX , GAXXXX ( XXXX ) XXXX, from, my Transunion 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 2020-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am re-filing a complaint against Regions Bank regarding a loan for a boat that was paid off in 2015. The information I received from you regarding the former complaint ( XXXX ) from Regions Bank was their claim that the title was mailed to me in 2015. It was never received. Also claimed by Regions Bank was the PDF copy you furnished me claiming the lien release was sent as was the letter from the bank. 

I received a BILL from these people for five years without fail. The address, the name the physical address, and the post office around the corner ( we live n a town of less than 300 people ) remain the same. I have talked to our postmistress to be sure there was nothing amiss. We know each other on sight so there is no confusion about who I am or my mail delivery. 

FIVE YEARS I RECEIVED A BILL REQUESTING PAYMENT AND FOR FIVE YEARS I PAID IT. THERE WAS NO PROBLEM WITH MAIL CORRESPONDENCE UNTIL THEY GOT THEIR MONEY!!!!!!!!!!!!!!!!!!!!!!! 

NOW SUDDENLY I CAN NOT GET A TITLE REPLACED BECAUSE I CAN NOT GET A LIEN RELEASE. I HAVE A {$34000.00} WATER CRAFT THAT I CAN NOT SELL OR TRADE AND WILL NOT BE ABLE TO CONTINUE TO REGISTER THE BOAT TO BE ABLE TO USE IT ON PUBLIC WATERWAYS. YOU CAN NOT TALK TO A REAL PERSON AT REGIONS BANK.. YOU SIMPLY GET INTO THE NEVER ENDING LOOP OF RECORDINGS AND REFERRALS WHICH ALWAYS ENDS UP IN THE SAME PLACE. 

I AM AT THIS POINT OUT OF OPTIONS. FOR FIVE YEARS I RECEIVED MAIL FROM THEM. 

MY INFORMATION HAS BEEN THE SAME FOR FORTY EIGHT YEARS. 


PLEASE HELP.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I am selling my home and the title company attempted to obtain a payoff from Freedom Mortgage on XX/XX/2020. No response was made with the title company ( XXXX XXXX ) reaching out again on XX/XX/2020 with the 2nd request, twice in that day. On XX/XX/XXXX, Freedom finally responded stating they were unable to move forward with the request because the signature on the auth did not match the name on the loan. ( I had gotten married since buying the house and had a name change, however the loan number and social sec number were correct on the auth ). On XX/XX/2020, XXXX XXXX resubmitted the auth again in the new name. No response from the mortgage company. On XX/XX/XXXX, the XXXX XXXX reached out again for the request stating that the closing date was set and we needed the payoff info ASAP. No response from Freedom. The title company AGAIN reached out on XX/XX/XXXX asking for a status as the closing was set for XX/XX/XXXX. Still no response. On XX/XX/XXXX, XXXX reached out to me asking if I would personally call to attempt to get the information. XXXX also called Freedom Mortgage and was told they have no other requests in their system other than when I called to personally ask for the information myself on XX/XX/XXXX. There is a documentation trail of all these requests and dates with Freedom not complying with the request. Freedom informed me that they have " 7-10 days '' to respond to anything and they are saying they will NOT give me the information until Friday XX/XX/XXXX which is 72 additional hours from when I called myself for the info. Due to the fact they are unwilling to budge on providing the information sooner, this has delayed 3 closings that were to happen concurrently. Despite asking for a supervisor, which I was never given access to, they refuse to give the information until mid-day Friday  XX/XX/XXXX although the first attempt was made XX/XX/XXXX with little communication on Freedom Mortgage 's part through this entire process. This has caused a huge inconvenience for many people involved that should have not occurred due to their untimely responses and refusal to provide the information that was asked 18 days prior.

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 2020-02-26 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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