vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer ( Mr. XXXX XXXX ) invoking Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804, to obtain permanent injunctive relief, restitution, and other relief for Respondents violations of FTC Act, 15 U.S.C. 45 ( a ), and Safeguards Rule,16 C.F.R. Part 314. Experian Financial Services hereafter ( Experian Financial Services ) ( " EIS '' ) and Experian Holdings culpable on grounds avers as follows : ( " EIS '' ), ( Experian Financial Services ) ; Experian Holdings failure in properly notifying Plaintiff regarding Experian Data Breach and Cyber Security Attacks. As a result of the Data Breach, Plaintiff experience identity theft/fraud and fraudulent activity arising from their Data Breach, opening of fraudulent accounts by NYCSE, inaccurate credit reporting of the fraudulent activity ; defame Plaintiff good name, reputation, image and jeopardizing the holding of U.S. Government security clearance.

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 2019-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Renew Financial Holdings Inc
State: CA

Complaint narrative:
Re case number XXXX. 

please either reopen the prior case or look into the problem in a new line of evidence I am XXXX XXXX. I got a loan of {$120000.00} from XXXX  XXXX for remodeling my house. I had to remodel my house only using XXXX  XXXX designated contractor who stole the money and didnt do the job which is proven by the court. The court affirmed that the contractor is a fraud. Please, see the attached documents. 

XXXX  XXXX should have removed their loan from my mortgage in XXXX  XXXX XXXX, but I continue to pay currently about {$2000.00} per month, resulting in over XXXX annually. 

It is not fair that I have pay a loan money that were stolen by the contractor, and my house still needs remodeling. 

The only job in the house was done was solar panel installation which costs {$13000.00}, but I have to pay {$65000.00} by contract. It is installed on the north side of the house which is not working. The contractor should have installed solar panels on the south side of the house. 

Last complain of mine got a response from a XXXX  XXXX XXXX which has nothing to do with my situation. Their job is only to get my money to pay XXXX  XXXX who put me in trouble. this is why XXXX  XXXX needs to remove my loan and request money from their contractor who practically stole them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I incurred in medical debt with XXXX XXXX Hospital. The hospital works with Rash Curtis Associates to collect the debt. Rash Curtis harrased me for months, when I call them to negotiate and to let them know I intended to pay, they asked me to request an increase in one of my credit cards to pay them. I did it but the bank rejected the request because I had bad credit score resulted in Rash Curtis placing me on collections. My credit score went down even more after the hard inquiry. I asked  for a loan with a super high interest rate to pay them. I was a little confused about the amount due, I was struggling to pay them and the hospital so I took both of their statements as accurate. It was until I started to notice that the amounts matched the bills I was paying the hospital so I requested an itemized statement from both and I found out that the hospital had sent my account to them and then recalled it but Rash Curtis continued to charge me as if it had never been recalled. I only paid them because Rash and Curties threatened me to initiate legal proceedings against me. When I paid them fully Rash Curties said they would remove the collections from my credit score. After 3 weeks I called them because it still showed in my credit report and they told me whoever collected the full amount approval had forgotten to remove the collections from my credit report. Nevertheless to say, this has affected me tremendously as I paid twice to the hospital and to the collection company. My credit score is ruined, I have had to pay more for rent because I cant rent a place on my own because of the collection impact. I have not been able to finance a car because of my credit score and the XXXX XXXX of almost being sued and attempted debt collection has been horrible. I went to the doctor for XXXX and this had made my life worst. I lost my job because of my condition and have been struggling financially since. Before all this my credit score was in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Summary : My Bank of America VISA card, my name, my partial home address, and a fake signature, were used by a hacker on XX/XX/XXXX to purchase a laptop computer for {$2400.00} from XXXX XXXX XXXX XXXX in XXXX. Shipped XXXX, it was made to appear that the item had been ordered by and delivered to me, and signed for by me. Even after many conversations with B of A Fraud Dept., and submitting a detailed affidavit/statement, B of A is still denying my claim, stating " No fraud has occurred, '' and refusing to cover the {$2400.00} loss. the latest letter of denial from them was dated XX/XX/XXXX. 

Detailed Explanation : On XX/XX/XXXX, a hacker, having obtained my Bank of America VISA card number and also my name and ( incomplete ) home address, ordered a laptop computer from XXXX XXXX in XXXX, and charged the amount of {$2400.00} to my VISA card. I had not ordered the item, and I did not receive or sign for the item. We obtained tracking information from XXXX, and it listed my name and an incomplete home address as the recipient, and that it was mailed via XXXX. The tracking information indicated that the item had been delivered to a similar address as mine, but contained a fake signature. 

I first learned about this when the {$2400.00} charge appeared on my VISA statement of XX/XX/XXXX to XX/XX/XXXX. At first, B of A assured me that the loss would be covered. ( letter of XX/XX/XXXX ). Later, on XX/XX/XXXX, we received a letter stating, " After a review of the details you provided, we have determined that no fraud has occurred, '' and added that we would be responsible for the full {$2400.00} charge. 
We asked for a clarification of this decision, and the B of A Fraud Department then recommended that we submit a fraud affidavit ; after many requests, they finally provided the affidavit form to me. I faxed the completed form to the B of A Fraud Dept., along with documents from XXXX showing that the signature in the tracking information was clearly not my signature, and the address was clearly not my complete address. 
The latest letter of denial from the B of A Fraud Department was dated XXXX XXXX, XXXX. 
This was a complex crime, and B of A does not seem to understand how is was that we did not receive the merchandise and did not sign for it. We have been B of A customers for nearly 50 years, and we don't believe we should be treated this way by 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 2019-12-19 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: TX

Complaint narrative:
I received a notification that I had some changes on my credit report. The credit report signifies that I applied for credit with XXXX XXXX for an auto loan on the XXXX of XXXX. I have not applied for credit with this company and do not wish to do business with the company. These are the hard inquires that I did not authorize ever. 

XX/XX/2018 CAPITAL ONE CAPITAL ONE, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
This company DIVERSIFIED below, continues to submit this debt to credit reporting as COLLECTIONS, even though this is not my debt. Over the last few years, once a year, DIVERSIFIED reports this debt, forcing me to dispute and REPEAT the fact that this is Not my XXXX PHONE ACCOUNT DEBT. I have been XXXX since XXXX and i would NEVER have a XXXX phone. There is no WAY to have a XXXX ACCOUNT without a SIGNED CONTRACT. There is no signed contract by me because this is not my account with XXXX. This debt collection refuses to provide a SIGNED CONTRACT with my name proving this account/debt is mine, in repeated violation of FCDPA. This firm has tried to extort payment from me or they threaten me with COLLECTIONS REPORTING. 
Again, not my debt. There is no signed contract with my name. 
This Report cost me 39 FICO Points. 
CC : Colorado State AG Alert Date XX/XX/XXXX Source XXXX  Company DIVERSIFIED CONSULTANT Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/XXXX Balance {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I have sent a certified letter and have left voicemail to central portfolio control, they have contacted friends and family members in regards to this debt. They are still contacting me after they have received my certified letter and they are still calling as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
date it happened XX/XX/2019 Experian credit reporting agency will not let me get a credit report. They say they need to confirm my identity but their website wont work. I tried calling and they pass me around from person to person claiming my birthdate is wrong but wont help me correct it. They say to log onto thier website and submit drivers license but the website wont let me log on without confirming ID by calling.

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 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report log in is now not allowing me to log in even though I made a log in account XX/XX/XXXX. There are incorrect addresses and credit fraud reporting from my ex boyfriend XXXX XXXX XX/XX/XXXX who is representing himself as my husband. 

The alert was dated XX/XX/XXXX and there are contractor company listed on my address profile. 

The addresses were added in XXXX after the first XXXX from XXXX XXXX XX/XX/XXXX. 
He currently has a criminal case against him for XXXX on XX/XX/XXXX. This is when I logged in and noticed the discrepancies. 

The addresses are wrong.

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 2019-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group
State: CA

Complaint narrative:
In XXXX of XXXX I received a letter in the mail from a company called Arete Financial Group regarding ways to consolidate student loan debt and avoid paying accrued interest. I signed a contract with them stating that they would consolidate my loans ( at the time were 6 open credit lines through XXXX for student loans ) into one loan which is now only through XXXX. They stated by making payments to Arete, it would pay towards my loan principle and not interest, all the while I've been on deferment. Since XXXX of XXXX I made a total of 9 payments to Arete. The fee to sign up was {$400.00} which I told payments were supposed to be split into three payments. After the initial fee to sign up, payments were to be lowered to $ XXXX/month. I was charged {$190.00} for the first four months before payments were lowered. On XX/XX/XXXX, I received an email from Arete stating there is an active lawsuit between Federal Trade Commission v. American Financial Support Services ( a.k.a Arete Financial ). As of XX/XX/XXXX I was informed by a CSR from XXXX that no payments have been made towards my student loan whatsoever. I was advised by my federal student loan representative to contact the FTC and my personal financial institute to stop any further payments processed by Arete. Attached, I have supporting documents showing the payments that I made to Arete Financial Group along with the initial email from Arete regarding the lawsuit. I have already opened a case through the Federal Trade Commission which I intend to follow up with until this matter is resolved. I am requesting that Arete refund all payments that I've made to them starting since XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX and XXXX XXXX collectively, it is clear that Harley Davidson has exceeded its legal timeline to take legal action on a very old financial issue. Harley Davidson had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XX/XX/XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and Harley Davidson is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of Harley Davidson pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX ohio XXXX the following information is fraudulent and i expect that it be removed from my report. 
( 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 , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX I'm trying to conduct personal business and these matters are holding me up. 
I traveled from XXXX for residency on or around the summer of 2018. I recently was trying to obtain an account and checked my full credit report. At that time I saw medical accounts and other debts fraudulently billed to me and also a report from a XXXX checking account in XXXX XXXX unbeknownst to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account reference numbers : XXXX XXXX # XXXX, # XXXX US DEPT OF EDUCATION # XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Our home burned down in XX/XX/2018. The insurance funds went to our then mortgage company which paid them out as work was completed. We had to fire our old contractor and the new contractor has practically finished the house. Meanwhile, our loan was sold and transferred to Shellpoint mortgage. Shellpoint now holds over {$37000.00} which they will not release. They say they need several documents from the new builder which he submitted several times. The mortgage company claims to have never received the documents and keeps adding new requirements. ( Moving the goal post ). We have had two recent inspections of the progress of the build, with the chosen inspector of the mortgage company, ordered by the mortgage company. Two ... because the first apparently either wasn't ever filed or was lost. The mortgage company said they couldn't find it either way. It is like trying to get blood from a stone and their left hand never seems to know what the right is doing. Also, since we have been unable to access funds to finish, my wife and I have had to indebt ourselves with high interest lines of credit to get to where we are now. We have paid over {$70000.00} to the new builder from credit cards, personal lines of credit and cash. Our agreed upon amount with the new builder has been paid almost in full but there are extras we need to pay for to get occupancy in order to refinance our way out of this nightmare. Our cash savings have been depleted and we now owe over {$50000.00} to creditors. We are struggling to make those payments along with not only our primary mortgage payments but also {$1200.00} a month for the rental we are staying in until we are back in our home. All the while, our bank ( mortgage company ) clings to {$37000.00} of the funds our insurance company paid to fix our home. Of course, we paid all the premiums. Our home is valued at over {$400000.00} of which the mortgage company holds an interest of only just over {$160000.00}. The balance of equity is ours. Although the home is over 95 % complete, the mortgage company won't release the funds. As our new builder has been paid almost the entirety of the contractual agreement by my wife and myself, I want the remainder of the insurance money the mortgage company holds, released, along with interest they have earned by holding it since XX/XX/2018. When our home is complete, we can refinance it and pay off the high interest lines of credit. 
We need to get back in our home. We are very close to completion. The funds from the mortgage company will get us over the top. Thank you!

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