vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I bought an auto in XX/XX/XXXX and financed with BMO Harris. My first payment which was set up as auto pay apparently never came out of my account due to their error in XX/XX/XXXX. So for 2.5 years it has been paid at 30 days past due without my knowledge. It did not hit my credit as it never reached 31 days. I called several times in the last 2.5 years to get a payoff and various things. NO ONE ever once mentioned the loan was being paid a month behind. 
In XXXX I was granted 3 payment skips. They only skipped 2 because I was behind one but was never told even when they drew up the agreement that I would not have to make a payment for XXXX, XXXX and XX/XX/XXXX. A payment came out on XX/XX/XXXX anyway. I called several times. They were rude and horrible and treated me like a loser because " I should have know 2.5 years ago ( supposedly ) they had my check account in wrong and the very first payment was never made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Financial ( as listed on the caller ID ) using the number XXXX has repeatedly called my XXXX-year-old grandmother at her phone number multiple times per day every day for the past two weeks to collect my debt. She has told them every time she talks to them not to call her because she is not involved in the matter. Discover financial has my number on file. How did they even get my grandmother 's phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have submitted proof of insurance on two occasions to my mortgage services, Shellpoint Mortgage Servicing. Regardless of this fact, the mortgage servicer is insisting on purchasing " lender-placed insurance on [ my ] property..The premium will be charged to [ my ] escrow account. '' I have spoken multiple times with Shellpoint representatives, so there can be no mistake that these needless threats and this unwarranted abuse is intentional. I am afraid that this will escalate to a foreclosure, SINCE THE MORTGAGE SERVICER HAS BEEN COMPLETELY UNREASONABLE AND HAS NO IDEA WHAT IT IS DOING OR IS MALICIOUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit scorXXXX and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX XXXX {$47000.00} XXXX XXXX {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX XXXX {$47000.00} XXXX XXXX {$29000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NY

Complaint narrative:
I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither Experian or XXXX  XXXX XXXX want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. Experian and XXXX  XXXX XXXX refuse to remove this fraudulent account from my Experian credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Platinum Holdings Group, LLC
State: PA

Complaint narrative:
-First communication was established on XX/XX/2020 where they called mine and my husbands number, person who called was XXXX XXXX XXXX Same date, XX/XX/2020, XXXX XXXX called my brother and went over the debt in question in detail with him and also told him that they were preparing to serve me at my place of employment. This is considered disclosing unauthorized information to a third party. I made an attempt to call XXXX XXXX back that day and got a voicemail in which I left my name, file number and phone number. No other information was given. 
XXXX received a phone call from XXXX XXXX while at work. My husband called back when I got home from work. We specifically asked for a validation of debt letter be sent to us and at this time she started to get very upset and told us to follow the chain of title. She refused to accommodate our request for a validation of debt letter and then also said they contacted the Human Resources Dept at my employer and when the HR rep called her back they would be serving me at my place of employment. 
-by following the chain of title, as XXXX had mentioned, we discovered that this company, Platinum Holdings , had only just acquired this debt at the end of XX/XX/2020. They are threatening to sue without giving us the 30 days to dispute the alleged debt. 
-the company Platinum Holdings has the same phone number as the supposed law firm XXXX XXXX XXXX XXXX No matter what number you call they answer litigation, not the companys name. 
-from doing research I am finding everything mentioned above to be illegal scare tactics and if they are trying to actually sue they are required by law to give me 30 days to give written letter of dispute, which they did not do. 
-they have also almost doubled the amount owed of the alleged debt, trying to tack on some fees which they also did not explain. 
-I would also like to add since I have absolutely no documentation from this company I can not attach any letters or receipts since they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: LA

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim 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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card at Wells Fargo on XX/XX/XXXX. A week later I received a letter declining my application with a FICO score of XXXX out of 850, an almost perfect credit score. 

My application was denied due to my XXXX last name. If my last name was of a XXXX person, my application would have been immediately approved based on my credit profile. It makes absolutely no sense why my application was declined based on my almost perfect credit score and annual household income of $ XXXX. I was never contacted to substantiate my income or any of their concerns. 

After receiving the letter, thinking it was a mistake based on my over 20 years of immaculate credit history and an household income of $ XXXX, I contacted Wells Fargo to get more information. I was able to speak with their executive office representative and escalated my case. I offered to provide my tax returns and current pay stubs to substantiate my income and to mitigate any risk concerns the credit card analyst had. Additionally, I expressed my concerns that I was a victim of XXXX discrimination due to my last name. 

A week after speaking with the executive office, I received the same exact letter, almost verbatim from the previous letter which means no one in the executive office did anything. I am a victim of XXXX discrimination. I have a long established immaculate credit history with an almost perfect credit score. The only deviation is my last name. The analyst and manager that worked on my application are XXXX  and proper action needs to be taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Someone stole my wallet and started applying for stuff under my name not my consent. I would like to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CO

Complaint narrative:
Equifax is reporting incorrectly a collection/chargeoff in the amount of {$3800.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents that prove I have never lived in any other State other than Colorado. They are as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. This collection account is in the State of Georgia. This account is being reported fraudulently and needs to be removed. This false reporting of a collection/chargeoff that isnt mine, is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  is trying to collect on behalf of XXXX XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Someone stole my wallet and started applying for stuff under my name not my consent. I would like to have it 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 explanation