vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 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: LA

Complaint narrative:
I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.

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 2020-03-26 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: PA

Complaint narrative:
Experian has several new inquiries where I DID NOT Authorize them, the companies were contacted and nothing done, Experian has them listed and I have a phone number on file on my report that they did not call to verify it was me requesting these credit inquires, I have fraud protection on my file, they are required to contact or verify this ... instead they didn't yet listed them as valid inquiries ... all are without my knowledge or consent Listed : XXXX Inquiry Date : XX/XX/XXXX. I did not request nor was I called to verify by creditor BYMAILONLY XXXX  XXXX XXXX   Inquiry Date : XX/XX/XXXX I did not request nor was I called to verify by creditorPhone # : ( XXXX ) XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX BYMAILONLY I did not request nor was I contacted of this EXPERIAN BUSINESS Inquiry Date : XX/XX/XXXX I did not request nor was I called to verify by creditor XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not request this credit, now was I called to verify XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not authorize was told it would be removed XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not authorize, nor was I verified XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX All above I did not authorize and want removed from 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 explanation
Consumer complaint received 2020-03-26 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
PHH Mortgage had responded to complaint stating they would provide all documentation. but has not sent final signed deed to finish short sale. The sale can not be completed for all parties until they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 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 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I have found these fraudulent accounts on my credit reports and I have no knowledge whatsoever of these and they do no belong to me and this has caused me great XXXX  and XXXX  and having the collectors keep pushing to try and collect money for something that is not mine and I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, there have been some fraudulent amazon packages being sent to my house. I called chase to cancel the card. Some packages were sent to my house and some were sent elsewhere. None of the transactions are on my amazon account. I have already disputed with chase, but they have said that Amazon is refusing to retract the funds despite the identity theft. I have already submitted a complaint with the sherriff 's office and the federal trade commission. I have offered to send the packages back to amazon. Amazon has refused to tell me where the packages have gone or the email used to purchase. Amazon has confirmed to me in writing that the packages are not on my account with them. There is {$530.00} in dispute. Amazon and chase have refused compensation despite identity theft and fraud being reported to the FTC and sherriff. In addition, Amazon has refused to take the packages back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
This is in response to the contract that Realtime resolution posted indicating the account was a revolving line of credit and that they coded it that way on the report. I have attached the contract they sent that actually show it was NOT A REVOLVING LINE OF CREDIT! 
Even had the person responding been accurate then the Advancement was already been completed therefore converting it into an installment loan and not a revolving line. It's not something you can pay and borrower again on either way. The contract actually states a non-revolving line of credit. I have highlighted the agreement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: PA

Complaint narrative:
I get calls about 5 times a week. Usually, it's just a recording that mentions a person XXXX XXXX XXXX XXXX who is not me saying that I should call XXXX ( the number that calls me ). Caller ID says " XXXX XXXX  ''. Other times, the robocall says nothing when I pick up. 

When I call that number to try to resolve it, it is out of service. So I looked up the number for Real Time Resolutions and spoke to a customer service agent. I explained that there is no XXXX XXXX in my household and to stop calling. They said that have no record of my phone number so there's nothing they can do. 

If a company can robocall you they should have a duty to stop it. I am on the donotcall.gov list. But I think robocallers just ignore that since there is no enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Franklin Credit Management Corporation
State: TX

Complaint narrative:
I had a second mortgage with Franklin Credit Management in 2006. The home was illegally foreclosed on and charged off years ago. Now Franklin Credit Management just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. Franklin Credit Management also re-aged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
1. this lender took over the loan in XX/XX/2019. we borrowers were not notified In time to send payments to Selene/the new lender. payments were sent for former receiving lender ( XXXX  for XXXX XXXX  ) 2. now selene ignored our request to provide us copies of checks they received from loancare/Cit former lender ... .. 
3. meantime now selene has sent a notice to accelerate /foreclose on the property. 
4. we/borrowers have sent selene certified letters requesting the copies of checks selene has received from Loancare/cit former lender, but has ignored us todate. 
customer service is very rude over the phone. all they are concerned with is to foreclose on us since we have low interest on the existing loan. 
5. selene finance feels they are not covered under the government mandate to halt debt collection due to covid 19 .... who can we send the complaint about this lender about not adhering to this mandate? ..pls. give me info.I will direct addl. complaint. 
lender is Selene finance, XXXX, XXXX .... Account # XXXX borrower : XXXX XXXX Property XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not 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 2020-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had chase bank do my bill pay. one of them was GM financial. It seems the payment was always late. I would receive calls from GM Financial every month wondering where s my payment. Were you late or were you n time that's what I want to know. I never receied any calls from my other creditors exept GM financial. They would bagger me for the payments. Please inform me if that not the case I do not like for anyone takes advantage of me. I feel you have. Just because I am a mental patient. Check your records because I am glad that I am no longer with your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: PA

Complaint narrative:
These Hard Inquiries were without my verification nor consent, nor my knowledge, I have fraud protection and a contact number on file for them to first verify that it is me, and they didn't ... 


XXXX/XXXX  Inquiry from XX/XX/2020 + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 + All Banks XXXX/XXXX XXXX  XXXX Inquiry from XX/XX/2020 + Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED 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 2020-03-26 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: PA

Complaint narrative:
Below is a list of recent Inquiries that I did not personally authorize, I contacted the companies and they are non responsive, credit bureaus has my phone number on fraud protection file for them to contact me before allowing this and they still listed them ... 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Card Inquiry from XX/XX/XXXX + Bank  XXXX Card Inquiry from XXXX XXXX, XXXX + Bank XXXX Card Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank  XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from 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 explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I do not have an account with Wells Fargo but wanted to cash a check drawn on that bank. I was in the XXXX, Nevada branch on XX/XX/2020 about XXXX and the teller asked for identification. I gave her my driver 's license and XXXX XXXX XXXX. She wrote my personal ID number from the driver 's license on the back of the check. I told her that she should not be doing this as it is giving my personal information to other people. This is the second time this has happened at this branch. She said it was Wells Fargo policy. Thank you in advance for helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX loan officer of Santander bank is a fraud. He has mislead me in terms of rates to get my business. We rate locked at 3.50 % no points, when the rates dropped in early XXXX he told me he could lower to 3.25 % no points, in reality it was 3.25 % with 1.375 pts THAT HE DID NOT DISCLOSE. When I kept asking him for corrected loan estimate and corrected rate lock to show the lower rate, he told me I was harassing him and not to contact him and go through my attorney. Come to find out this was because he knew he did not disclose the 1.375 pts, nor did I ever sign any disclosure that said 3.25 % with 1.375 points. He knew if he told me that in early XXXX I would have shopped around with another lender because the rates had dropped then, he prevented me from doing so by falsely representing the rate he would give me. Then stalled on paperwork until days before the closing so I had no choice to go with them or shop elsewhere. His practices are completely illegal and misleading.

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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not 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 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Trump gave executive order that ceases all collection activity for 6 months on student loans due to current covid-19 crisis. Navient, who is no longer servicing my loans to begin with continue to call in total disregard to that " executive order '' and " stay. '' I have contacted and made complaint with the Dept of Education - Ombudsman to initiate complaint and hopeful resolve and order for them to comply with that executive order. 

MY COMPLAINT CASE # WITH OMBUDSMAN - DEPT OF EDUCATION IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely XXXX income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : MIDLANDCRE for {$2300.00} I am currently in no position to be able to pay back these creditors, as my family and I do not know how long the quarantine will last. All I am asking for is help, relief, sympathy and understanding to be able to get these items removed off of my report.

Company response to consumer: Closed with non-monetary relief