vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: WI

Complaint narrative:
I have several inaccurate inquiries on my credit report that are fraudulent. please look into the matter i spoke with someone who advised me to start here,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
This debt has been disputed many many times and documentation of Identity Theft has been provided via certified Mail to this collection agency and XXXX. I have never done business with XXXX and my name is not XXXX XXXX. This debt is not owed by me and the collection agency is in VIOLATION OF FDCPA and TCPA as they are in receipt of documentation from police department and FCRA advising of identity theft but they continue to attempt to collect. I was also just notified that this is now on my credit report ; as a result I am actively providing XXXX XXXX my attorney to get a case against the collection agency as they have now causes me damage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Credit inquire does not belong to me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, Equifax, and XXXX have failed to remove the extended fraud alerts to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
Credit inquire does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I contacted Amerisave Mortgage to refinance my VA loan. I was given a new rate of 2.25 % locked. 3 days before planned closing XXXX my broker called and told me that his boss stepped down and they failed to submit the required documents to the Veterans Administration and they could no longer get me the agreed upon rate. They wanted to raise the rate to 2.85 %

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have 3 on my credit report. I have to closed accounts from XXXX  XXXX XXXX XXXX which I have no knowledge about. I was involved in 17 data breaches as well as Experian finding a social security on my report that didnt belong to me.Another accout is XXXX  XXXX XXXX. Again, I have no knowledge of this account. Please provide physical evidence that shows I owe all of these debts or delete them off 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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid a down payment of {$300.00} for a trip that was cancelled due to the pandemic. Months ago the travel agency arranging the trip went out of business and I was told I wouldn't get my money back but my money should be covered under purchase protection by my chase card. 
Chase obtained an incorrect information and refused my refund. I managed to get in touch with the original owner of the company that went out of business who explained to me that Chase 's decision was incorrect ( please see emails attached ). To further prove my point - I was travelling with friends who ended up in the same situation as me and Chase was the ONLY card that refused a refund. 
Trying to communicate with them is like hitting a wall and they do everything possible to make this process difficult.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer PHH mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day! 

I would like to complain about my paypal account that has been put on hold last XX/XX/2021. According to them I am not complying with the documents to submit for my proof of identity. But the truth is I've been doing and trying to upload it on the system since the time I received an email from them regarding compliance. 

I told them that there has been an error message whenever I tried to upload my document. I've been trying to tell them that there is an error message and been asking to get help from them. They just keep on giving me instruction on how to upload the file. It is very easy to follow but the thing is there is the error message that they should look into my account. 

I am using paypal for XXXX  XXXX  and I really need it to run XXXX  XXXX. Hoping to get help or at least they give attention to my complain. 

Thank you very much. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Certified Credit Reporting, Inc.
State: MO

Complaint narrative:
Credit inquire does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today, a friend of mine, XXXX XXXX ( XXXX ( XXXX XXXX XXXX ), contacted me via XXXX, asking for me to send money, via XXXX ( my bank is Chase ), and told me that he would deposit me tomorrow. He asked for {$680.00} USD to be sent to XXXX XXXX, XXXX. 

I did send the money. Then, he asked for more, and that was suspicious, so I contacted XXXX in XXXX 's Messenger to verify it was him and he told me that it wasn't him but an impersonator. 

The conversation on XXXX was held in Spanish XXXX XXXX and I usually communicate that way ). I have proof of the conversation. I'm not sure where in the world the scammer is, but I assumed the U. S. because of the use of XXXX. However, the scammer speaks Spanish. 

I sent a money request via XXXX, to get the money back, telling the scammer I was submitting any complaint possible, but he/she, of course, declined everything. 

I've contacted Chase and XXXX but they have not been able to help me since I was the one who initiated the transaction. This money is really important for me during this pandemic that my husband is jobless and I don't work because of my XXXX process ( everything good but I still have not received the employment authorization ). 

I really hope you guys can help me out. Thank you so much!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1XXXX XXXX XXXX XXXX NA with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$430.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2021-03-09 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: GA

Complaint narrative:
On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( Equifax, XXXX XXXX XXXX ) but Equifax and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but Equifax and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe XXXX XXXX XXXX {$8300.00} removed immediately before I am forced to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: PA

Complaint narrative:
I have numerous accounts, addresses, phone numbers and inquiries on my Transunion report that is all false and hasn't been properly investigated. I was a victim of 17 data breaches that exposed my social security number as well as sensitive information. I want Transunion to do a thorough investigation on each account properly. Please provide physical proof of each account including inquiries.

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 2021-03-09 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 — Was not notified of investigation status or results
Company: MRS BPO, LLC
State: TN

Complaint narrative:
XX/XX/20 was going to add a second line to my XXXX unlimited plan. 
XX/XX/20 received XXXX card for account # XXXX phone number XXXX Never used second line XX/XX/20 cancelled second line. Bill was still charging me XXXX bucks. 
XX/XX/20 paid my normal bill of XXXX, still showed a XXXX dollar balance Was reassured the XXXX would be a credit XX/XX/20 XXXX shut phone off Got it back on. They shut off again XX/XX/20 shut off again. 
XX/XX/20 started a new service with XXXX XXXX  and quit XXXX. Try to charge XXXX bucks even though XXXX is a credit and I never used the service again after XX/XX/20! 
They are now destroying my credit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: MD

Complaint narrative:
I've advised Transunion of XXXX being a fraudulent account about a month ago, and the account is still on my credit report as being verified accurately. 

I have attached a FTC report to prove this 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 2021-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION

Complaint narrative:
This is with regard to an active student loan from Sallie Mae : 1. ) I am from the XXXX have been consistently settling my monthly dues on time except there are system changes or glitches. I have been paying with no disruption since XXXX. 

2. ) I settle via their app using credit card. Since XX/XX/2021 - they have removed this feature and mentioned I can do this online via webpage which was not true. Now I have been late twice due to this misinformation and lack of support.

3. ) I have been requesting to release my co-signer as I have been paying for more than 3 years on my own - since repayment started. They have not done it since 2 years back. 

4. ) Sallie Mae responses have been quite cold and partly I would say due to my location and nationality. I have been deprioritized even though I contribute in your taxes and loan economy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
I keep receiving notices to submit my identification to prove that I am me. I have uploaded my ID and utility bill as well as mailed it in every month. I've called and confirmed my identity. I was informed that my report would be updated after speaking to the representative. The results that I received are stating that I need to provide an identification of who I am again. The response that I am receiving is a generated response. I have mailed in my identification as well as uploaded it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation