vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: FL

Complaint narrative:
I have 1 bill on my credit for XXXX  and I have attempted to contact them 30+ times to remove this. I have not been successful. I've called the collection company, left messages and sent letters. No reply. This is not my debt. I am not sure where they are sending this bill or why it is on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: OH

Complaint narrative:
I have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from 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 2019-02-03 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: OH

Complaint narrative:
I have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: MIDFIRST BANK
State: CA

Complaint narrative:
Filed bankruptcy with XXXX XXXX  in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX  .... loan is current but still not being reported to any credit bureaus.

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 2019-02-03 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX , XXXX, AL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.

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 2019-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Filed bankruptcy with XXXX XXXX in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX .... loan is current but still not being reported to any credit bureaus.

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 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX started this whole ordeal, prior to them taking me off of XXXX XXXX deal with older people getting phone service cheaper. When I saw my TU report that XXXX XXXX, had gotten this, back in XX/XX/2018, I disputed the charges with this agency, but have not been able to dispute this with this collection agency, XXXX I've never got any mail notification, from them since they had gotten it from XXXX since I've gotten this information off my credit report thru TU, back on XX/XX/2018. XXXX is the culprit of this whole ordeal. I told them I wanted a landline phone, with caller ID only, they wouldn't accommodate me. They decided to turn me off completely from their services. So much for Technology.. all XXXX  wants if money!

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 2019-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Sir/Madam, We are senior citizens owning a home with a mortgage from Santander Bank. We are paying our mortgage installment from our checking account we had with them. We authorized them to take money on XXXX of every month and they are doing so for past 10 or more years.

Of late Santander Bank is using dubious methods to CHEAT ITS CUSTOMERS. For example they charged us XXXX as late fees in paying our XXXX installment. as you know XXXX of XXXX is a Bank holiday and they took out money on XXXX XXXX and it seems it is our fault for the Bank not taking the money out! 
ONE MORE SURPRISE AND DUBIOUS THING. THEY SEND OUR OUR MONTHLY MORTGAGE STATEMENT EVERY MONTH. MY XXXX MORTGAGE IS NOT SHOWING ANY OF THIS DUBIOUS LATE PAYMENT PENALTY. WE COULD ONLY SEE IT WHEN WE WENT TO OUR MORTGAGE HISTORY IN THEIR WEBSITE. 

we want to know and we are requesting Consumer Finance Protection Bureau to launch an inquiry about ... how many more customers are cheated in this way. If they really cheat make them pay a big penalty. 

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 2019-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobeal financial repo car they are still garnish my wages after its been over 7 years and I don't even own the car but they still want me to pay for it in full after they repo the vehicle years ago and it's hurting my credit score bad I was young at the time now that I have grown and have a family of my  own I want to buy a house but can't because of my credit I just asking for a second chance if possible thanks sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX. 
XXXX I work for XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( 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 non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Im XXXX years old. I graduated from XXXX  in XX/XX/XXXX and University of XXXX XXXX in XX/XX/XXXX. I have a XXXX  in XXXX and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX for 4 years and XXXX XXXX XXXX XXXX for 1 year. I then switched careers to the XXXX XXXX where I have been working as a XXXX  and XXXX  for the XXXX XXXX XXXX for 11 years. I have applied for loan forgiveness multiple times only to be denied. First, it was my loan was the wrong kind and I should consolidate. So, I consolidated. Then I had the wrong repayment plan. Its always something. I have been in public service for over 20 years total since before I went to college. I have paid off all my loans. I have literally been making payments for 18 years. I pay over 100 dollars a month. I have never missed a payment. I still have XXXX dollars to pay off. I am seeking loan forgiveness and I am just getting the run around. I should have been forgiving for my time as a XXXX  and again now as a XXXX. I need help with this. I have paid enough. There are some class action suits that I am looking to be part of. My loan used to be Sallie Mae and it is now Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX 
XXXX I work for XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 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: OH

Complaint narrative:
I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in Florida. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX EQUIFAX Report Confirmation # : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am a victim of ID The

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: OH

Complaint narrative:
I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX  and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
TRANS UNION File Number : XXXX XXXX  Report Confirmation # : XXXX XXXX  XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX  COMPANY # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The

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 2019-02-03 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: OH

Complaint narrative:
I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX XXXX Report Confirmation # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The

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 2019-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XXXX XXXX placed a collection of X amount on my Credit Report without any notice of my rights to dispute. The information provided claims that I opened an account with " XXXX XXXX XXXX '' on XX/XX/2017. This doesn't add up because at the time of my XXXX I was going for my XXXX  clearly before my daughter was born inXX/XX/2017. After XXXX XXXX, I never got check-ups. I tried resolving this issue with the number listed and I was put on hold for several minutes before they hung up on me. No callbacks or response ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: NY

Complaint narrative:
I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX I realized that I became a victim of identity theft from someone using my debit card info to apply and setup XXXX accts for their personal gain .I noticed the transactions and contacted my bank reissued me a new card and it started happening again disputed the items again in XXXX and was now told these charges are valid. XXXX a large amount of money came out my acct from bank of America stating all charges were valid and temporary credit was taken back I opened dispute several times to be told the same thing over and over from bank contacted XXXX XXXX said it doesn't issue refunds contact your bank .I call my bank they tell me to contact merchant but I'm out of almost XXXX  between my 2 accts .and I open investigation again with a police report, and I called XXXX and XXXX couldn't give me full name but issued me partial names of 10 accts under 1 card since XXXX Bank of America has issued me 9 different cards due to fraud but say all charges are valid and I also received a letter from XXXX   stating I'm in their data breach but low and behold I still cant get my money back thays been lost over a 11 month span and I alerted them on several disputes and bank of America linked them all together and will not give me my money back .this has put me and my family in a financial crisis with all the fees and loss of XXXX is substantial to anyone to lose especially when it's your mortgage payments. Also I've asked bank several times to provide me proof that charges were valid and the bank stated they dont have any written proof from merchants but analyzed and said it's off their knowledge. I am requesting written contractual agreements with my signature on them.to validate their claim of authorized charges .which Cant be produced because I never authorized any charges. I still request bank provide me written documentation with my original signature on receipts or contract to validate and prove that charges were authorized by me. I request validation of all charges with written documentation with my original signature on the document for validation .please provide

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 2019-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I used remitly service to send {$1900.00} to XXXX The transaction was done on XXXX XXXX XX/XX/2019 The money was suppose to get transferred on XXXX th XXXX Today is XXXX XXXX XXXX but no updates Due to delay I occurred a loss as the money was sent to pay up my home loans The customer service is not able to solve the problem

Company response to consumer: Closed with explanation