vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc
State: MN

Complaint narrative:
I believe this is a scam, but have no way to confirm. I was contacted three times by XXXX at Eastpoint XXXX. On all three occasions, she called my employer phone number. 

The first was on XX/XX/2020 and went to voicemail. XXXX left a voicemail, no last name, no company name stating that she needed to talk to me about a " claim filed against me '' and requested I call her back. 

The second was on XX/XX/2020 and went to voicemail. She left another voicemail, this time stating her company name as Eastpoint. Calling regarding the " allegation pending against you in my office '' The third was on XX/XX/2020 and I was able to answer the call this time. I told her that I do not have a unpaid debt. She referenced an upgrade loan in the amount of {$30000.00}. 
I informed her that if it is legitimate, please send official documents to my home address via USPS. She said they already have. I have not received any documents. I informed her that I believe this to be a scam and instructed her to stop calling. 

I do not have a {$30000.00} upgrade loan. I've pulled my credit report and there is no delinquent debt on my account. I believe it is either a scam or they are calling the wrong person. I don't know how to stop the calls and/or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-30 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 was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-30 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

Exeter Finance was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/2019. these were also errors As a XXXX  trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

Santander XXXX  is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my XXXX XXXX. Things like this on my report will only make it difficult for me and my future family to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
This company, Preferred CMS, alleges that I owe a debt. I have never done business with this company. In XX/XX/2019, my chapter XXXX bankruptcy was discharged. I am unsure if this relates to the discharged debts. I tried calling today, but the hold time was too long. I tried to block the number, but they use rotary dialing and call from different extensions every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: KY

Complaint narrative:
On XX/XX/XXXX and XX/XX/2019 two hard inquiries were placed by Capital One Auto Finance ( Coaf Finance ), I hard bought a car from XXXX and the company mentioned to me that I will only have one inquiry from my auto loan bank not two. But capital has two hard inquiry for one car that i bought through them. As a XXXX  XXXX  of XXXX  I am just getting started into the business  world and with bad hard inquiries that cant be resolved on my credit report it will be very difficult for me to be able to fix my score and get a chance to someday start my own business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
In XXXX our mortgage was sold to Mr. Cooper mortgage company. Due to the coronavirus my husband and I have both been laid off. We phoned Mr. Cooper mortgage company and asked if they had any programs without penalty to help us. The only thing they could do was offer us a forbearance for 3 to 6 months after which all of the payments that were put off would be due at once. That would be impossible for us. They said that if we could not pay the money back we all at once we could do a mortgage modification. So in other words it seems to me that Mr. Cooper would charge us more interest and other fees and ultimately be making money off of people who are just trying to get back on their feet after this horrible horrible situation. Other banks are offering their customers forgiveness for several months or I should say 3 to 6 months mortgage payments and just extending their mortgage by 3 to 6 months on the back end. It seems to me that Mr. Cooper is looking out for themselves and not the well-being of their customers and their financial soundness so they can pick up where they left off once we get the healthcare crisis under control. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  are all helping their customers in this fashion. Mr. Cooper mortgage company should be absolutely ashamed of themselves for the way they are treating their customers and I hope that the government penalizes them with no mercy. And by the way and I know this sounds totally unprofessional but what kind of a XXXX  name is Mr. Cooper for a mortgage company?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: AZ

Complaint narrative:
XXXX/XXXX  is reporting incorrectly to Equifax ; XXXX   and XXXX  a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
Repeated calls, all hours, Do not owe this company, not my debt. Don't know why they keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST I contacted Equifax through my XXXX  account to dispute a charge from my XXXX. I provided a receipt of the charges along with my insurance card. At the time of my last visit I paid for both my balance of {$95.00} and my co-pay of {$30.00} bringing my total to {$120.00}. I included my insurance card to show that a XXXX co-pay is {$30.00} so that it wouldn't be any confusions on why I paid more than just the {$120.00}. 

Date Creditor Called : XX/XX/2020 Time Creditor Called : Between XXXX-XXXX XXXX XXXX from the collection company representing my XXXX  called to collect on the debt. I explained to her that it was paid prior to it going into collections. She asked me to send the same documents that I sent to Equifax to XXXX and reference # XXXX. 

Date Docs Sent : XX/XX/2020 Time Docs Sent : XXXX Date Dispute Inquiry : XX/XX/2020 Time Dispute Inquiry : XXXX and XXXX Contact Equifax was told although I have proof that it was paid and my XXXX  can't provide proof that it wasn't paid Equifax has to report whatever the guarantor reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
in XX/XX/2020, I paid off XXXX balance on my American Express card. They continued to charge me interest and now are increasing. I probated this in XXXX and again today. The original interest charge was XXXX, today they say it is XXXX. 
I also cancelled the card today. 
I paid XXXX today, but under protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity fraud and a scam. My account is in the negative not due to my fault. When I told the bank I need them to close the account they said no. There are exposing me to future losses and future identity fraud.

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 monetary relief
Consumer complaint received 2020-03-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

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 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
The problem is that we payed your taxes and Vanderbilt Mortgage claimed that they payed and are trying to get money back from us that we don't owe them.

We have proof that we payed and sent them copies of the proof and they still are trying to get money from us by increasing my monthly payment to them.They have increased my payment from {$570.00} to {$640.00} per month. And you know what they haven't showed me any proof that they have even paid anything as we have by giving them statements from County and City offices that affirm our compliance of our payments and have stated that they haven't received any other parties sending any money on our behalf. Plus the land is not in the contract /purchase agreement the we have. The land is mine bought and paid for by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: AZ

Complaint narrative:
XXXX/XXXX  is reporting incorrectly to XXXX  ; XXXX  and Transunion a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.

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 2020-03-30 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: AZ

Complaint narrative:
XXXX/XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.

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 2020-03-30 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 was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation