vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Debt collector online information services address XXXX XXXX XXXX XXXX XXXX  XXXX, NC zip code XXXX. phone number XXXX open account XX/XX/2018 amount {$1500.00} very aggressive over the phone rude threating

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like my fraud alerts removed

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 2019-11-05 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: TX

Complaint narrative:
Equifax is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX XXXX not paying for their mistakes i have letters and asked for a fix

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX  XXXX not paying for their mistakes i have letters and asked for a fix

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There was an account that was opened on XX/XX/2019 with XXXX XXXX for the total balance of {$3400.00}. This is a fraudulent account from the results of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There was an account opened on XX/XX/2018 with XXXX XXXX XXXX with a ending balance of {$570.00}. The company said it was opened in North Carolina and I live in XXXX, Michigan. This account was opened fraudulent do to the results of identity theft.

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 2019-11-05 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: TN

Complaint narrative:
I was notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.

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 2019-11-05 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: TN

Complaint narrative:
I was notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I my personal credit information was exposed in both of the XXXX  data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX  and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Consumer Adjustment Co ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I my personal credit information was exposed in both of the XXXX data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX National Credit Systems ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NY

Complaint narrative:
I would like my fraud alerts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like my fraud alerts removed

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 2019-11-05 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: CO

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/19 I opened a US Bank checking account because of advertisements I kept seeing about A ) a bonus for opening an account, but more importantly B ) it made me eligible for their Altitude Reserve card. 

On XX/XX/19 I was denied approval for the XXXX XXXX card and reconsideration was not able to help me in this matter. 

This type of bait and switch tactic should not be allowed. It is unethical to advertise in this manner when having the account was of no consideration, despite constantly being advertised how having a checking account with US Bank will make me eligible for the XXXX XXXX card.

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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Recently in XX/XX/2019 my mortgage was sold to LoanCare from XXXX who went into bankruptcy. LoanCare has not gotten the correct information inputted into their system and its been 7 months! My old insurance company sent LoanCare a check for premium paid to them instead of my new company around the amount of {$2600.00}. LoanCare can not find where they put that money that was supposed to be sent back to me. I have made several attempts to talk to them about all of the incorrect charges and monies lost. They are still charging me in my escrow for my old insurance premium and not my new one. They are reporting to the credit bureau that I have missed payments and not making payments at all. I have been fighting these remarks for 7 months and I am getting no where.

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 2019-11-05 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: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, 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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
On XX/XX/2019 I received a cancellation notice for my homeowners insurance. When I contacted them for an explanation I was told that Fay Servicing has not submitted payment. The loan is escrowed and this should not be happening. The loan is in my deceased mother 's name and the deed is in my name along with the homeowner insurance. I reached out on XX/XX/2019 to Fay Servicing to get an explanation as to why the insurance hasn't been paid they refused to talk to me because I am not authorized on the account. I have provided my mothers death certificate, proof that I was the executive of the estate, and a copy of the deed in my name but this is not enough. Fay Servicing is forcing me to give my birth certificate and has not provided me a valid or legal reason. 
Fay Servicing in forcing me to pay for an insurance policy that I didn't choose because they refuse to pay the insurance company I already have. 

If it is not paid by XX/XX/2019 my insurance will lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There was an account opened on XX/XX/2018 with XXXX XXXX XXXX with a ending balance of {$570.00}. The company said it was opened in North Carolina and I live in XXXX, Michigan. This account was opened fraudulent do to the results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to reach out to BBVA in regards to my payments and late charges on my account. I received a return call and returned call but havent heard the status of my request. I spoke with a customer service representative with stated that I could no longer speak to anyone regarding the issues because a decision was made. I informed the representative that I had an email and left a message for Ms. XXXX XXXX on several occasions but received no return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Westlake Services, LLC
State: TN

Complaint narrative:
Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to the Equifax credit information breach, my son 's social security number was released and someone started fraudulently using his social security number. We learned about this last week when we went to open a utility in his name. XXXX worked with us to clear up his file. When we ordered his free credit reports only XXXX sent one to him. Equifax refused to send him one and we haven't heard from XXXX yet but neither report was available online. Each credit bureau instructed him to call for further assistance. Equifax asked for more documentation to be sent to them via mail or fax, which we felt was a very insecure method. We called to get help and to see how we could send information more securely, perhaps via an encrypted email & try to figure out how to resolve the issue. When we called Equifax, they refused to help him because I was helping him explain his situation. He gave them the authority to speak with me by giving me legal power and privity to speak on his behalf over the phone but they refused to speak with me. We informed them that he is a person with disabilities  and needs support to navigate the situation but they refused to help. In frustration, he tried to speak for himself and they still refused to help him. They demanded that we provide a power of attorney document from a lawyer to speak with me. That should not be required. They are clearly not aware of federal protections for persons with disabilities. In fact, anyone can do that if they need help navigating a service or call, it's our right! Their company policy can not trump federal law and I tried to explain this to them but they refused to help him. Now not only have they compromised his social security number, but they also refuse to send him a credit report so he can take the necessary steps to clear his file and they refuse to speak with him or me to help him resolve this problem. We are at a loss. We don't know how to help him fix this. They also refused to pass us to anyone above them to help us. We spoke with XXXX, a XXXX with Equifax 's office of consumer affairs. He actually wound up hanging up on my son. So utterly frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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