vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FACTUAL DATA CORP.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have opened a Identity thief case XXXX after found my credit score dropped down from excellent to poor. The problem was someone open Target store credit card in XX/XX/XXXX and paid couple payments a never paid balance after. In XX/XX/XXXX balance was {$470.00}. I have never open a card in Target. I am very rare using this store for purchases mostly for the business. I am in general long ago stop practicing crediting. I have opened two credit cards only for travel purposes and my payment history is more than excellent. Average I pay within month or two regardless amounts. And travel balance amounths always much more than {$470.00} and paid very quick. Why then I would open this small balance and not pay? So I filed complaint to Target and all Credit bureaus with this number and without results. My credit score is low and I am asking to investigate and help to restore my good name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 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: TN

Complaint narrative:
account 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 2020-03-25 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 for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many 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. 

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 2020-03-25 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:
I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many 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. 

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 2020-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Company denied modification because they couldn't reduce principal and interest. However after receiving copy of denial we clearly see principle & interest would be reduced with a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
After I had been approved for a auto loan for a used vehicle, was given the financing The dealership took the vehicle back saying they were advised the vehicle was unsafe and should never have been sold. When I declined to purchase another vehicle costing thousands more, I suddenly began getting letters telling me I had been denied financing to purchase the vehicle because of my credit. These letters go so far as saying my credit score will go from XXXX to XXXX. There is NOT one negative comment on my credit report, Until these financial companies started this. I dont understand what they are doing to my credit worthiness. I cant find a government office who is willing to help me, no one seems to be concerned that after a lifetime of good credit, buying 3 homes and never being denied credit how all of a sudden I can not buy a used vehicle? There is something very wrong and suspicious about what is being done to me. XXXX XXXX  is also a culprit in this manner. Their letter says I was denied due to the age of the vehicle and collateral XXXX XXXX should have known that bank did not finance vehicles within that age and XXXX XXXX NEVER asking if I had other collateral to offer. They instead chose to damage 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 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Dear Representative, I checked my balance at XXXX XXXX  on Monday, XX/XX/2020 and realized I overdrew my account. I had 3 charges which came through ; {$17.00}, {$20.00}, and {$99.00}. My account was overdrawn for {$98.00}. I arrived at XXXX XXXX XXXX XXXX, XXXX, CT bank at XXXX XXXX  to give the teller {$100.00}. The teller stated the branch was closed however, the sign indicated they close at XXXX XXXX. I had to go home get my debit card and return to deposit the {$100.00} through the ATM machine. I deposited {$100.00} around XXXX XXXX. The next day I was charged for two overdraft fees. I called ( XXXX ) XXXX around XXXX XXXX explaining the situation and was told by XXXX he could not issue me a credit due to I had received a courtesy credit like two weeks ago. I received credit for an overdraft because the cable co. charge me twice in error, and before that, XXXX charged me pre-maturely and credited the charge back. 

I am reaching out to you because I am receiving unemployment and trying to pay my bills. I feel the bank is exploiting me and any possible opportunity to charge an overdraft. Please advise. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding calls repeatedly before XXXX regarding a XXXX XXXX account. They call from various numbers with XXXX  area codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}

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 2020-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors
State: NV

Complaint narrative:
I spoke with the XXXX XXXX Business office prior to submitting my previous complaint against National Business Factor. They confirmed I do not have any unpaid medical bills. National Business Factor responded yesterday and reported I owed XXXX XXXX XXXX XXXX money for a visit back in XXXX of 2016. I then called the XXXX XXXX XXXX XXXX Billing office again. They looked up my social, my children 's social and that service date and reported that I have paid in full and I do not owe them anything. National Business Factor falsley reported that I owe XXXX XXXX XXXX XXXX money for a visit in XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2020 I mailed a Notice of Error letter to Specialized Loan Servicing ( SLS ), pertaining to my annual mortgage escrow statement which SLS was over charging my about {$50.00} a month. The escrow annalist I received from showed that I had a overpayment of {$2.00}. I would like SLS to show me how they Calculated a {$2.00} overpayment when SLS was over charging me every month. Today date is XX/XX/2020 and I have yet to get a response from SLS analogizing my Notice Of Error Letter. I understand upon receipt of that letter SLS has 5 business days to respond to that said letter. Thank 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 2020-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This morning, XX/XX/2020 at XXXX XXXX, I received a email of a a {$300.00} charge on my PayPal account to XXXX for a gift card receipt. The recipient was named " XXXX XXXX ''. I filed an unauthorized payment dispute with Paypal. I was notified 5 hours later that the charge was determined to be legitimate and the case was closed. 

When I attempted to contact Paypal over phone, I was unable to reach a live person, and was instead notified to contact them over text. I am currently awaiting further news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
Received an email on XX/XX/2020 regarding a debt. I sent a response on XX/XX/2020 requesting information about the debt, disputing the debt, and also telling this debt collector not to contact me via email, and to only contact me via usps. Received more emails on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. They have never sent me any of the information I requested in my dispute letter to them and they have continued to ignore my cease and desist request of emailing me. If this collection agency does not cease collection of this debt, I am prepared to pursue other avenues for the repeated email harassment and blatant violation of my written request to only contact me via usps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/2020 - Home insurance renewal, notification of rates doubling XX/XX/2020 - Requested Lexus Nexus report via Website, XX/XX/2020 - Received instructions to view Lexus Nexus report online, several instances of incorrect information including a lien judgement on a property I do not own. My suspicions are that this is adversely affecting my rates. 

XX/XX/2020 - Called Lexus Nexus at XXXX to start an inquiry into the incorrect information. They are unable to access my account and send a internal email message to a team that should contact me within 2 days. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told that I needed to wait longer to receive the call from the specialist team. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told again that my account is in a " protected status '' and can not be handled by the phone support team. They would send a third email to the specialist team to call me back. 

My Lexus Nexus report is full of a mixture of my Fathers ( Sr. ) and my ( Jr. ) history resulting in a large amount of inaccurate data. I need this resolved as I'm being forced to pay higher insurance rates based on a report they can't manage to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I accessed my freed credit report through all 3 bureaus. Equifax is reporting 2 accounts incorrectly. Both are with XXXX XXXX, 1 was closed in XX/XX/XXXX, which is over 7years ago. This account should be off my account. The other account is reporting a delinquent payment, which is not showing on the other 2 bureaus. This was a bank error and was fixed by the bank in XX/XX/XXXX. They reported to Equifax and the bank recently said they reported correctly and all 3 accepted the fixed. The bank is unsure why equifax as decided to revert back to the erroneous information. I tried to dispute through website and would not allow me to submit. My wife submitted her claim. I tried again today and again can not submit. My wife has yet to hear from them about the fixes and the error is still on her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates 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 2020-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, Mr. Cooper validated loan number XXXX with a " promissory note '' XXXX that was satisfied from the proceeds of a foreclosure sale on XX/XX/XXXX, that was secured by the " Deed of Trust '' XXXX that was foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Today XX/XX/2020 I recieve a phone call from a Ally Financial representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and Ally Financial. 

I repeat once again : I am requesting original and direct signed contract between my person and Ally Financial Bank and signed agreement or contract between Ally Financial Bank and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.

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 2020-03-25 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: NV

Complaint narrative:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.

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 2020-03-25 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates 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 explanation
Consumer complaint received 2020-03-25 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates 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