vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt has been on my credit profile for some time. I have filed bankruptcy and this was an added debt, but it has not been removed. I have contacted the company to let them know I did not visit the hospital or receive any type of XXXX XXXX for the dates stated. They have not removed this from my credit profile. It has been reported on both Equifax and XXXX reports. Equifax still has it listed, but XXXX does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am addressing your agency because there is Public Record Information on my personal credit profile that I am challenging as inaccurate in its filing. The case was a voluntary dismissal. " Dismissed '' means that it is adjudicated by the law and therefore not recognized as a completed or satisfied filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By what right does the credit reporting agencies hold my identity and credit under " Consumer Lock '' for 10 years when it does n't exist? I approached the Bankruptcy Court and they confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to let you speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I noticed through my online credit monitoring service that there were credit inquiries on my credit report that I did not apply for. Once I noticed this, I immediately sent Equifax a letter to let them know that these were fraudulent inquiries and that I did not apply for these item AT ALL. I asked them to send me proof of theses applications such as my signature on an application or a recorded conversation. They did absolutely nothing and still are reporting this fraudulent information. Also Equifax has 2 fraudulent addresses that are not my address reporting on my profile. When I called them they said they received the letters and the addresses would be removed in 48 hours. The fraudulent addresses are still reporting and the inquiries are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Sterling Infosystems Inc.
State: IL

Complaint narrative:
XXXX ( parent company, Sterling XXXX Company ) is reporting information on you consumer file that is inaccurate and surpass its statue of limitations governed by the FCRA and the FTC. This company is reporting information about me with false information disclosing this falsified information to my employer. This company is indicating information from XXXX TWENTY SIX ( 26 ) years ago just because my name matches their database. Additionally, they are reporting information that is almost TEN years old on a name match in the State of New York, XXXX XXXX. I am requesting they cease their abuse and clear violations of the FRCA.

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 2016-11-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES
State: MN

Complaint narrative:
Unfortunately I been having issues with some type of debt collecting agency that I have no idea how I got into. It 's a fee every month they send through a email but I have NEVER borrowed money from whoever this is. So I 'm very confused and the fee is just going up every month, I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have had a bank account at TD Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as " inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. 

Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I went to apply for a loan through a credit union only to discover that I had a repossession on my credit and was denied the loan. I had never had a car loan with this company. I contacted the company and they said I was the primary signer on the account. I asked them for a copy of the signed contract and any information regarding the account. They told me they did n't have a copy of the contract and would send me the paperwork of when car was sold at auction. They did n't have an order of repossession. The account was opened over 9 years ago and closed almost 6 years ago. I have never received anything from them. I told them that this is fraud and they said to contact their fraud department. When I called the fraud department it was a voicemail recording. I left several messages for them to call me back and now been waiting a month. I called the company several times and got conflicting stories with each new person. I was told to file a police report but I do n't have any documentation to suggests fraud or identity theft either way. The finance company would n't tell me the dealership for me to contact them directly too. I would think there has to be a paper trail somewhere. The finance company TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Someone subscribed to XXXX XXXX using my name, phone # and SS #. The address is a XXXX MI address and I live in XXXX MI. I am getting calls saying that I owe {$1100.00} to XXXX XXXX and the calls are coming from Receivables Performance Management. 
After getting these calls I checked my credit report and see that XXXX XXXX had done a credit check on me before opening this account. I wish I would have noticed that earlier and informed them that this was not me requesting service from XXXX XXXX. 
I do not live at the address that is subscribed to XXXX nor do I know anyone who lives there. The email address that was used was not my email address and that is why for the last year I was not getting the online bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
HelloTd bank keeps charging me overdraft fees even when I make a deposit on the same dayI have been charged over XXXX XXXX dollars in overdraft fees because they do n't post deposits first they post them last. I called them and they were so rude to me they said they cant help me because of my history of over drafting, I feel that this is wrong there software is designed to rip consumers off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. 

The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. 

Requesting NCAC submit request to remove item from husband 's file. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say " rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: CA

Complaint narrative:
I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Regional Management Corporation
State: OK

Complaint narrative:
I just checked my credit report - listed is late payments for regional loans andcredit recovery asso. - this is not my accounts. - Regional loans send out XXXX of thosechecks for loans letters however I did not get it my daughter ( with the samename did ) She went and got the loan - and I find out later when she missed apayment - the loan was based off my credit with my social security number. 
I informed them of their mistake of not making sure their information wascorrect and what happened ( they just assumed it was the correct personbecause our names are the same ). However, they said I was responbile for theloan because it was address to me and based off my social security number. 
They did not try to correct their mistake just haress me for payment of a bill Ihave nothing to do with. Now, I find out they put it on my credit report knowing the information is wrong. I believe they committed fraud by putting this on my creditreport and not checking for correct information. And I believe they should notbe allowed other peoples social security numbers, if they misuse my information like this. 
I want both account off my credit report because it is not my accounts - pleaselet me know what happens here - please. it 's messing up my creditscores in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud account.

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 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WATERSTONE MORTGAGE CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I received notice from my mortgage holder, Waterstone Mortgage, that my loan would be transferred to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called Waterstone and spoke with XXXX, who advised me to pay my XXXX XXXX payment ahead of time to avoid having a payment show late during the loan transfer. I did so over the phone, paying {$2500.00} on XXXX/XXXX/15. I have confirmation of this payment from Waterstone and the full payment was debited from my account on XXXX/XXXX/15. However, Shellpoint mortgage did not receive notice of this payment at the time the loan transferred, so their records still show that I owe them a payment for XXXX XXXX, 2015. I have provided the written documentation of the XXXX/XXXX/15 payment to XXXX. I have contacted both Waterstone Mortgage and XXXX XXXX multiple times by phone, email ( through their secure messaging systems online ) and sent written requests to XXXX to have the issue resolved. So far, all I 've gotten is both sides pointing fingers at each other, both claim they are investigating, but neither has resolved the issue, nor acted on my request to provide status updates. Waterstone mortgage took a full week ( from XXXX/XXXX/15 to XXXX/XXXX/15 ) to send a response to my online message inquiry. Their response was a form letter acknowledging that they were delayed in responding and instructing me to resubmit my request via the Message Center. Basically, I 'm back to square one with them. 
I would welcome advice as to how to get both companies to take action and respond - I feel like I 'm stuck in the middle with no recourse while both do nothing. Meanwhile, a {$2500.00} payment I made is lost in limbo and the new mortgage holder, XXXX Mortgage, shows me as being past-due on my payment, even though I have provided them with written documentation from Waterstone that I did in fact make that payment. What are my other avenues to ensure that ( 1 ) my principal balance is corrected to reflect the payment I made, and ( 2 ) my credit is protected? 
Word of warning to all consumers : avoid Waterstone Mortgage! Our experience throughout the process of buying our house was painful, and it 's only gotten worse from there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Checkr, Inc
State: CA

Complaint narrative:
I was approved as an XXXX in XX/XX/2016 which was cleared and I subsequently passed the background investigation. However in XX/XX/2016, XXXX informed me that it would be conducting another background check which I did not pass. I failed the background check because of a previous XXXX that I sustained. I immediately submitted certified proof issued by the court the the XXXX has been reclassified under a XXXX. Additionally, state law does not permit for this type of XXXX to be re-portable beyond seven years from the time of XXXX. Checkr also conducts background checks for XXXX, XXXX. I failed the background check with this company as well due to the information that is being reported erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.

Company response to consumer: Closed
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed