vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}

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 2020-05-04 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$73.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX {$24000.00} XXXX  XXXX   XXXX {$530.00}

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 2020-05-04 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This Macy 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on XXXX 
It is a fraudulent account.

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have called Bank of America twice to request my XXXX and XXXX mortgage interest records ( 1098 forms ) and my XXXX and XXXX escrow end of year statements. I need all four documents to file my XXXX and XXXX taxes. These documents are no longer available online because I paid off my loan so I must call the bank and during this Coronavirus pandemic, the hold times are extreme. At present, I have only received one statement. I need all four documents ASAP! Please!

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 2020-05-04 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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
In the midst of the corona virus and the care act, my mortgage company charged me a late fee as well as reporting a payment as late to the credit bureaus. I have paid all mortgage payments and was only late that one time during corona virus and Id like this removed from my credit report. 

Payment was due XX/XX/XXXX for {$2600.00}. I paid it on XX/XX/XXXX and paid XXXX on XX/XX/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 2020-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I have asked what can be done and if I can get a deferment which is so I can have more time to pay the mortgage and they declined. I am unemployed due to COVID19 and I am waiting for court because I am getting divorced so I'm not sure the house will even end up being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I had a financial emergency and took out an online payment with this company sometime in XXXX i paid off the loan and then re loaned and then had a medical issue and was off of work for a period of time and unable to pay, i sent several messages requested a payment plan and was denied a feasible plan that worked for me, so I then sent a letter to revoke ACH payments being taken out of my account.. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in had email conversations with someone named XXXX again with no resolution. 
Today XXXX, my mother and ex husband both reached out to me that someone named XXXX XXXX from XXXX XXXX was calling regarding a complaint I filed and inquiring about my address and personal information. this person mislead the callers was mischievous and malicious about getting my personal information, this person was very unprofessional when I called back was in fact laughing when i told him how he went about reaching me was unprofessional. I am very upset. when asked about company information he was hesitant and then provided the business address as XXXX XXXX XXXX XXXX, New York. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}

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 2020-05-04 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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}

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 2020-05-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I purchased an item on Amazon  using my Chase Amazon credit card. The item is a Prime item and I am a Prime member. This means that items I purchase that are defective are able to be returned with Amazon covering the cost of shipping. 

I ordered an item, a pair of pants that were substandard and defective. I attempted to resolve the matter with the merchant directly but received no response despite several contact attempts. Amazon too was unable to prove a refund or paid shipping label saying that this item was privately fulfilled and thus did not qualify for Amazon Prime. Note, I have a screenshot of the item showing that it is indeed a Prime item. 

I called my credit card company to dispute the charge. Despite waiting hold for over 45 minutes, no one ever assisted me. There are statutory deadlines that this ineffective assistance is causing me to run afoul of and I would like the credit card company and Amazon to fulfill their fiduciary duties. I hav spent much more time on this issue than is fair for the cost of these pants ( about {$35.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
On XX/XX/XXXX, I sent out a certified letter and supporting documentation to dispute the chapter XXXX bankruptcy dismissed public record that is reporting on my credit report. This is information wrong and is harming my credit report and my ability to receive financial help for my family and I. I am not in bankruptcy. I have submitted documentation of a court order for this bankruptcy information to be removed from my credit file. 


Covid-19 has stopped my ability to work and provide for my family. I only have my good name and credit to depend on and with this inaccuracy public record information reporting on my Experien credit report only is hindering me from receiving Financial help.

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ID

Complaint narrative:
this complaint is against XXXX XXXX loan care. they are the collection arm for our loan. 
Everything was fine until XX/XX/2020. I think that was the point when our 1st was paid off and our ballon 2nd began. for what ever the reason their platform can not handle it. 
as you can see by looking at the attached payment history between XX/XX/XXXX and XX/XX/XXXX we paid them {$12000.00} but instead of the loan going down it started going up. you will also see that {$6000.00} of our money has not been applied to the loan. And to add insult to injury their junk system reported us as late to the credit score keepers, blowing a big hole in the side of our credit score.

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 2020-05-04 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: MD

Complaint narrative:
This XXXX 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on Equifax. 
It is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
I have had a credit account with Monroe and Main for years. I purchased some winter jackets using the credit account around XXXX time. I had relocated from the address I had resided at previously. Although I was logged into my account at the time of the purchase the creditor assigned a new account number because of an " alternate shipping address ''. I was not notified that a new account number was assigned and assumed that ( especially since I used my existing account ) my balance would be added to the existing balance. 
Because I was unaware that a new account was made, I continued to make payments on my existing account. Monroe and Main reported my other account ( that I did not know existed ) to the credit bureaus. I did not know until I got a credit monitoring alert. 
I had such a difficult time when trying to reach the appropriate person by phone being passed person to person. Each person gave me a different answer, half of which could not even locate either of my accounts let alone both. By the 4th call and 7th person I was finally able to determine that a second account had been created, they indicated this was their error when I demanded to speak with a supervisor and indicated they would XXXX credit bureaus and they would provide proof of this in writing. Despite this " promise " and 4 additional correspondences, I have not received any confirmation that this has been resolved. I had advised them that I would be making a report against them due to their flawed and destructive practices. They have reported two delinquent payments which dropped my credit score by 60 points. 
Please follow up with this entity and their questionable practices. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$690.00} XXXX  XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
I tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I was in a trial period for XXXX XXXX, XXXX XXXX and XXXX XXXX. I made XXXX payment of XXXX, they accepted it. I then called my XXXX payment in on XXXX XXXX, XXXX via my savings account to keep it separate from my daily spending money. I worked everyday including holidays from XXXX XXXX XXXX XXXX XXXX, XXXX. On the XXXX of XXXX I was reconciling paperwork and checked my bank. I found that freedom Mortgage had not taken my payment. I called Freedom Mortgage and they were closed. I called my bank to see what happened. The explained that my savings was a non-transaction account. I tried to call Freedom again, they do not even have a phone prompt for you to leave a message. So I transferred all the money over to my checking. First thing Monday morning ( XXXX XXXX XXXX ) I called Freedom to ask fix the situation. The girl I spoke with saw that their notes showed it was a non-transaction account but they had sent my account to be denied. Well my attorney, called and spoke to a representative on XXXX XXXX, XXXX and they agreed to continue my trial period because Freedom Mortgage never tried to contact me after knowing that the payment was trying to be drafted from a non-transaction account. About a week later I received a letter from Freedom stating that they were terminating the trial. If they had followed through with their promise to accept the payment as the XX/XX/XXXX payment I would have made the XX/XX/XXXX payment and been in my loan modification already. Instead I had to pay and addition {$2000.00} to my attorney 's to reapply and then in the middle of COVID-19 they decided to deny the loan modification request. With the denial, they drafted the letter on XX/XX/XXXX. My attorney spoke with them on XX/XX/XXXX and they stated they were waiting on the title report. Their post mark on the envelope is XX/XX/XXXX. I would assume that by then they would have been able to inform my attorney about the denial. On XX/XX/XXXX the USPS post mark was done. On XX/XX/XXXX I received the denial letter stating that I had until XX/XX/XXXX to appeal. They left 6 days out of 14 to appeal. My attorney called on XX/XX/XXXX, this is when he found out about the denial. Freedom never reached out to the attorney, and did not have the information " in the system '' when my attorney called. They held the letter for 3 days before it left them. I feel they deliberately held this information back so I did not have time to respond.

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 2020-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
refer to CFPB Complaint ID : XXXX which Suntrust Mortgage failed to answer either portion of the initial complaint and gave FALSE information to CCFB in the response. The stated " NOTE TO SETTLEMENT AGENTS : If you request an expedited payoff statement, a fee is charged to you, not the mortgagor for each such request. Therefore, if you did not request the payoff statement to be faxed, the third party that requested them is responsible for the fee '' when in FACT they add the fee to my statements. I have two showing on my XX/XX/2020 statement even if they were refunded, they should not have been charged to my account with out my EXPLICIT approval. They also stated " we have no control over how the credit reporting agencies report data or what information they include on the credit report '' when if FACT the credit agency would not have the full account number if they did not provide it! so they do have control over it! 
They are charging a lot of people fees without proper authorization and this should STOP

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCC Finance, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX  Called my Son XXXX XXXX to tell him that I had a applied for a potion in a warehouse, my son stated the guys name was XXXX and he I had used my son XXXX as a reference for the job. 

I called back XXXX and it turns out it a debt collection agency who was proving my son with false information in order to speak with me. They had tried to contact me and I had asked them not to call me anymore as I have never done business with this company. 

He also stated he was from the FCC when I spoke to my son on the phone. He called my son at XXXX at 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 2020-05-04 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: GA

Complaint narrative:
Several years ago I was a victim of identity theft. Numerous accounts were opened in my name, as well as attempts being made to apply for credit. Upon becoming aware of the situation, I reached out to all credit bureaus and alerted them of the situation. All fraudulent accounts were removed after my identity being stolen was validated but the credit bureau has refused, and not given an explanation, as to why my inquiries have not been removed.

Company response to consumer: Closed with explanation