vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 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, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2019-04-13 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, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : 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 Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, my SS # XXXX-XXXX-XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank has denied me a Visa Credit card purely from arbitrary reasons, totally divorced from a rational understanding of my pristine credit rating. 

The bank has employed torturous, offensive, intimidating, humiliating, and abusive credit reporting and evaluation practices that have damaged my credit rating and denied me a Visa Credit Card in the face of the issuance of myriad credit card accounts to far lesser qualified holders. 

Furthermore, Regions has employed clearly offensive, arbitrary, and illegal marketing techniques, in the processing and issuance of a Regions HELOC agreement, to include the refusal or failure to present all the acquired residential appraisal reports for XXXX XXXX XXXX XXXX, XXXX AL, XXXX. 

Regions has reneged on an offer of credit limits because of their failed, erroneous, and needlessly delayed drive-by residential appraisal reports., and because of an incompetent assessment of my then-current outstanding credit use of the target HELOC transfer institution, XXXX XXXX XXXX XXXX   XXXX . Only after significant and tortuous delays, did the bank offer a reasonable credit availability on my residential property. 

Regions has informed me that a " letter of refusal '' of a credit card was merely a failed " machine letter '' sent to me without a rational basis. Such letter I have have no further reason to expect was not a practical and effective letter of refusal by Regions to issue me a Visa Credit Card, one in which I have a limited time for which to complain, such limit apparently not longer than until XX/XX/XXXX, if I understand the letter correctly..

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 2019-04-13 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: CA

Complaint narrative:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges and fraudulent accounts were included on my report ; without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX ACC # XXXX Status Updated XX/XX/XXXX fraudulent charges included on this account. 
XXXX ACC # XXXX Status Updated XX/XX/XXXX Fraudulent charges included on this account. 
XXXX XXXX XXXX ACC # XXXX Fraudulent account, please delete asap XXXX XXXX   ACC # XXXX Fraudulent account, please delete asap I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 2019-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it 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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This collection company is trying to collect a debt from 2010. They call at XXXX XXXX and several times during the week.

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 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I need to have my alleged debt with Cavalry SPV I LLC addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC.
State: IL

Complaint narrative:
I have sent a certified and returned received letter on XX/XX/2019 asking Pinnacle Recovery , Inc. XXXX XXXX, XXXX , CA  XXXX to validate the debt. They have not responded to my request. After sending the letter to stop calling they continue to call. I have received over 4 phone calls after the letter was sent. 

1st phone call was on XX/XX/2019 2nd phone call was on XX/XX/2019 3rd phone call was on XX/XX/2019 4th phone call was on XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
My husband and I have tried fixing the issue with Bank of America several times. The card ending in XXXX shows as paid late. This is not the case. Bank of America rep said our cards where paid in full. The on-line account is 2 months behind. I dont how that can even be a thing and the app says we can not pay through the app. When we called in the rep said our payments where current. Please removed XX/XX/XXXX day late derogatory comments from all credit reporting agencies.

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 2019-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We were paying Homeowner 's insurance on the property at XXXX XXXX XXXX XXXX FLXXXX.Through an insurance broker XXXX XXXX  XXXX located at XXXX XXXX XXXX , XXXX Fl XXXX . 
Our mortgage company usually send this check to them, as of today we have never been notified by any source that our insurance has been canceled verbally nor in writing, that we no longer have home owners insurance and needed to get temporary or permanent insurance for our home. 
I returned home from my regular job as an XXXX XXXX XXXX XXXX XXXX ( 48 states ) to find a huge leak in my front room which was caused by a 2feet 6inches oak tree I also have leaks at the side of the house on the roof and at the back of the house. 
Immediately I cut down the tree with a chainsaw and i placed a tarpaulin on top of the roof but the roof is still leaking. 
I contacted XXXX XXXX XXXX via phone ( XXXX ) XXXX, and spoke with Miss XXXX XXXX on Monday XX/XX/2019 who gived me the run around.She told me their company were closed and I needed to contact my mortgage company. 
I contacted my mortgage company Select Portfolio Servicing , Inc who was cooperative they send me a copy of check number XXXX that the insurance broker cashed. 
Presently we are still paying insurance on our mortgage we did some research on the internet finding out possible insurance companies that this broker XXXX XXXX XXXX were working with or is working with, one of them have in their records a policy number XXXX the same number that our mortgage company have in their file. 
We are not sure if XXXX XXXX XXXX were cashing the checks and paying it to a different insurance company or if they were holding the money for themselves. 
I was told by that insurance company ( who I can not recall ) that I no longer have a policy with them, hence, we are not sure which insurance company we are insured with, what we do know is we are paying XXXX XXXX XXXX and they are responsible to pay our claim also Select Portfolio Servicing, paid XXXX XXXX   XXXX without having proper proof, evidence or declaration of insurance coverage. 
Please investigate Thanks in Advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX have received payment for all students loans account under page 4 section B of the promissory note regarding payment to XXXX XXXX from XXXX. 

Equifax has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I need to have my alleged debt with XXXX XXXX XXXX XXXX  addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.

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 2019-04-13 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: AES/PHEAA
State: VA

Complaint narrative:
Pennsylvania higher education assistance/FedLoan  Serving have received payment for all students loans account under page 4 section B of the promissory note regarding payment to FedLoan Serving from XXXX. 

XXXX has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My TIAA Mortgage Lender called me on XX/XX/2019 to inform me that my XX/XX/XXXX mortgage payment was 30 days late. I explained that I have auto pay set up on my account, and they explained that it was no longer in place. I contacted a supervisor to explain that XXXX XXXX ( my bank ) experienced a fire on XX/XX/XXXX, which impeded any bank activity for three days. So, my mortgage payment was denied. I spoke to a TIAA mortgage representative who helped me make an ACH payment over the phone, but she failed to explain to me that TIAA would be attempting a second time to debit my " auto payment '' two days later. She was a new employee and was not familiar with the protocol. Given I would not have enough funds in my XXXX XXXX checking account to cover a second mortgage payment two days later, I canceled the ACH payment. TIAA was able to debit my payment via my auto payment option. Apparently, when I canceled the ACH payment, the TIAA mortgage rep canceled my auto payment option. So, I was not aware that my mortgage had not been paid on XX/XX/XXXX. ( But, I did successfully make my XXXX mortgage payment when they debited me the second time ). Also, when I spoke to the TIAA Mortgage Lender rep on XX/XX/2019, she said that they had sent me a letter on XX/XX/XXXX informing me that my XX/XX/XXXX payment was late. I explained that I had never received a letter and I open my email every day. I also never received a phone call or an email alerting me to this fact. When I arrived home from work on XX/XX/XXXX, I found a letter from TIAA telling me my mortgage was late! I also asked the representative over the phone, and she said the late payment had been reported to all three credit bureaus! I believe TIAA is behaving fraudulently in order to force me into default. I made the payment immediately over the phone to TIAA on XX/XX/XXXX for my XX/XX/XXXX mortgage payment, and it was credited to my loan on XX/XX/2019. I also pulled a copy of my credit report online and disputed the adverse reporting on XXXX. I received a notice today ( XX/XX/XXXX ) that my dispute had been addressed, but I can't tell if the adverse posting was removed. Also, I had trouble disputing it with XXXX   and XXXX  online. Their online dispute claim pages kept bumping me off. So, I am reaching out to you for assistance to remove the adverse reporting regarding TIAA on all three credit reporting agencies. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XX/XX/2019 my PayPal account was illegally accessed by an unknown fraudster. The fraudster initiated a electronic transfer from my primary bank account to my PayPal account for an amount of {$1000.00}. I became aware of the fraud when I attempted to use my debit card. I contacted Paypal to report the fraud and received confirmation from Paypal, same day as it was reported, that the fraud was confirmed and the transaction would be cancelled. However, on XX/XX/XXXX Paypal notified me that the {$1000.00} transfer was successful and funds were available in my Paypal account. To prevent further fraud, I immedately initiated a xfr of the {$1000.00} from my Paypal account to my bank account. Paypal activity reflects this transaction was processed on XX/XX/XXXX. 

In XXXX, I attempted to close my Paypal account following the sucessful fraud but Paypal had locked down my account which prevented my intended action of account closure. My account was locked down so that I could not initiate any transactions in or out of my Paypal account, can not close my account, or take any other action other than to take steps for verify my account. I have completed each of those steps and I am in the process of waiting for ACH transactions to post to my bank account to finish the verification. As of the date of this complaint those transactions have still not posted. 

After all of this, I received a notice from XXXX XXXX, XXXX, a collection agency, stating that Paypal has placed my account with them for collections in the amount of {$1000.00}. I never received a single late notice or delinquency notice from Paypal, either in writing or electronically. Also, even if I was aware and prepared to pay the so called delinquent balance, Paypal prevented me from doing so until they process the trial transactions as part of the account verification step.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MarkOne Holdings, LLC
State: CA

Complaint narrative:
Mark one financial contacted friends and family members of mine and I know that it's against the law to get repeated calls back to back or even giving out personal information without proper verification. This company embarrassed me for telling people they're going to take my car away if I don't pay.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding has been repeatedly calling from all sorts of different numbers and its getting really annoying.

Company response to consumer: Closed with non-monetary relief