vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 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: KY

Complaint narrative:
I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX  and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XXXX {$67000.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX/XXXX XXXX {$800.00} XXXX/XXXX XXXX {$620.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00} Us department of education XXXX {$1200.00} Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( yes2times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX {$450.00} Public record : Bankruptcy XXXX Bankruptcy XXXX XXXX and XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX XXXX 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 2019-03-30 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: Early Warning Services, LLC
State: KY

Complaint narrative:
I was XXXX for almost 10 years. I was released XX/XX/XXXX-18. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and a bad check to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank/ Care Credit has neglected to close an account that I paid in full on XX/XX/XXXX. They show that a payment has been made in the amount of XXXX but can not verify that it was paid off. On XX/XX/XXXX, I spoke to XXXX, employee number XXXX who accepted this payment and confirmed that my account was paid in full. On XX/XX/XXXX, I spoke with XXXX at desk XXXX after realizing this account was still impacting my credit. She informed me that she could not see this account was paid off and that she would escalate a dispute on my behalf. She could not provide any documentation that this was done. This companys deceptive business practices has proved to be detrimental to my credit score and reporting history, as they are STILL reporting this account to be past due and delinquent. I plan to prosecute this company to the full extent of the law and seek damages if this is not resolved.

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 monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Had a loan account with XXXX XXXX XXXX XXXX. No debt collection attempt was made and then received notification from a company named Bull City Financial. When I called XXXX XXXX XXXX they told me they had no information but for me to try and contact Bull City. i never had any account or agreement from Bull City also was never notified of any debt collection from XXXX XXXX XXXX XXXX. I have a {$0.00} account and showing 100 % paid off per attachment. Bull Ciry also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: U.S. BANCORP
State: KY

Complaint narrative:
I was incarcerated for almost 10 years. I was released XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX  and XXXX XXXX signs. They have listed multiple accounts as well as bad checks. US Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and a bad check to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was XXXX for almost 10 years. I was released XX/XX/XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, Fifth Third Bank, XXXX XXXX   and a bad check to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a checking account with TIAA Bank on XX/XX/18 with promotion that stated : " {$150.00} bonus : Offer details Open and fund your first Yield Pledge Checking account with the required minimum opening deposit by XX/XX/2018 Then make direct deposits totaling at least {$1000.00} within 90 days after account opening Mention offer code XXXX when opening the account Your cash bonus will be deposited into your account within 120 days of account opening, as long as your account has remained open and in good standing ''. 
I completed direct deposits, but never received the bonus. 
Now the bank is saying that {$5000.00} opening deposit was required to get the bonus, although it was never mentioned in the offer details. They say that " required minimum opening deposit '' actually meant {$5000.00}, however it's not clear how I was supposed to know that. When I opened it online it was also never mentioned about {$5000.00} requirement during the opening process. 
I believe this is a scam that bank used to attract customers and to avoid paying bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TX

Complaint narrative:
In XX/XX/2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT

Complaint narrative:
Paid XXXX dollars for each check cashed illegally to be researched. 

There was a total of 4. 

They were XXXX each but since lost because money gram refused to cash them, the replacement sent were XXXX. Then were stolen and cashed at XXXX XXXX. 

Totally not my fault. If they would have just cashed them in the beginning, we wouldn't be in this mess. 

They owe me my full amount. Including the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TX

Complaint narrative:
In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TX

Complaint narrative:
In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: MN

Complaint narrative:
Called Trans Union on XX/XX/XXXX. I noticed two Fraudulent Inquiries on my Credit Report. They refused to help me at all. 

1. XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX Please have these two inquiries removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America I filled a fraud on my account on XX/XX/2014 bank America claimed no fraud was committed they claimed I reported claim on XX/XX/XXXX on my XXXX XXXX and lied about amount n questions which was XXXX they told XXXX XXXXXXXX I owe them XXXX and XXXX XXXX told me I needed to have XXXX to clear account with them not being able to open account go letter which is dated on top XX/XX/2014 but saying XX/XX/XXXX in question clearly a fraudulent act on bank America and XXXX XXXX see it's my right to a fair report and it's not they have a fraud under my name and can't open bank account or get credit card I have XXXX credit can't get card cause of them if name not cleared will seek legal action as it say I can n fcra act it let me attach only two items the date on top on page saying XX/XX/2014 camara phone didn't get would not let take third pic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Commonwealth Financial Systems added several account to my credit report. I requested a letter of validation in XXXX and they have fail to send me any documentation proving that the debt is mine. Ive also ask them to remove it from my credit and they still havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need my form XXXX to file my taxes. 
Regions mortgage bought my loan from XXXX. Each bank claims the other has my documentation. Neither has sent them. Neither can tell me when that would occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Looks like the app doesn't work again. I tried to log in and it wouldn't accept my password, so I tried to reset it and the app crashed at the very end of the process of resetting it. This time it won't let me log on OR reset my password. See screen shot for server error message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation
State: NJ

Complaint narrative:
The company is attempting to collect 1 month of premiums, about {$930.00}, for an XXXX policy ( XXXX ) in XXXX. The policy was active from XX/XX/XXXX. 

In XX/XX/XXXX, I moved to XXXX and became a XXXX resident. 
Since I was traveling back & forth to XXXX at the time, I did not immediately cancel my XXXX policy, I paid the XXXX, XXXX, and XXXX premiums. 

On XX/XX/XXXX - I called to cancel my XXXX  Premium and enrolled in a new XXXX policy ( online ) in XXXX, both effective XX/XX/XXXX. ( Using the Special Enrollment Period for XXXX ). I was told to not pay the XXXX premium by the original XXXX company. 

I paid my XXXX policy from XX/XX/XXXX onwards. 

For some reason, the XXXX  insurance continued to bill me for the policy, and also automatically enrolled me in a XXXX policy. They then sent the XX/XX/XXXX policy premium bill to collections, but eventually stopped billing me for the XXXX policy. 

I have form IRS XXXX from the original policy showing my coverage ended XX/XX/XXXX, and my IRS XXXX from the new policy showing coverage started XX/XX/XXXX and yet, the collections agency persists and reported the account to XXXX  and possibly other credit agencies, affecting my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
My complaint does not seem to fit within the prescribed fields I Demand THIS CREDIT INQUIRY BE REMOVED FROM MY CREDIT REPORT because the mortgage broker did not follow through on my mortgage application after securing my credit report.I am enclosing the last email I received from the broker XXXX XXXX All my voice messages text 's sent to her were unanswered since ... ... .Quite frankly I do not feel I should have to bear the the brunt of a credit inquiry because this broker who is not acting within her capacities ... ... ... that of a NYS Licensed Mortgage Broker I can provide my follow-up calls and and text messages upon request.Once again my credit has been affected as a result of this and I had to have another inquiry done by XXXX XXXX  on XX/XX/29.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: Equitable Acceptance Corp
State: NC

Complaint narrative:
I have been trying to dispute equitable acceptance off my credit report itd decreasing my credit this is something I cant control. This company is a 3rd party scammer Through XXXX XXXX XXXX I was making auto draft payments for about 2 years {$42.00} I reached out to my bank to stop payments and I spoke to a NY lawyer who explained there is a lawsuit out now and Im not the only one effected by this. I want this company removed off my credit. XXXX XXXX XXXX was removed off my credit so should equitable acceptance please remove this or I will get a lawyer involved for something I cant control

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid off my account with affirm so that i can get my dti down to get approved for a home loan and affirm update my bureau report as i made a payment not paid off, i have yall to several associates and they will not help 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 non-monetary relief
Consumer complaint received 2019-03-30 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: GA

Complaint narrative:
I regularly check my credit report through a service called XXXX XXXX and it shows that I have a derogatory mark on Equifax 's report. 

I do not recognize the original creditor name, XXXX XXXX XXXX XXXX XXXX, and did not purchase or use any of their services described on their website. Also, neither the original creditor or the collection company, XXXX XXXX XXXX XXXX XXXX, have contacted me nor provided evidence that their reporting is valid. 

I disputed this derogatory mark using Equifax 's online dispute system on XX/XX/2019, and their response on XX/XX/2019, says that the information on my credit report is verified. However, Equifax did not provide any evidence that the collection company 's claim is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had scheduled mortgage payments using the ACH system. Wells Fargo ACH system did not pick up the payments until several days after I had scheduled the payments, which caused my bank account to be overdrawn due to Wells Fargo 's delayed process for ACH payments. I have attempted to propose and execute a payment plan which includes paying all further mortgage payments via Treasurer 's check from XXXX XXXX, my bank. I was in the process of executing the payment plan I had proposed when Wells Fargo had papers delivered compelling me to accept their mortgage modifications or face foreclosure. I have faxed their application and the proofs required to them. While I have a decent credit score, I have frozen my credit reports on all credit bureaus, so I would prefer not to allow any one time access of my credit report, considering I have the necessary income to make the payments according to the plan I have proposed. I intend to sue Wells Fargo if they do not properly accept the payment plan I proposed, considering it's not likely it would be an undue hardship for Wells Fargo to accept the payment plan.

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