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: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.

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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have reached out to Medical Data Systems several times advising them that the collections they are reporting do not belong to me. They have not provided validation of these debts or there investigation methods. The following accounts need to be removed immediately. 

The following accounts need to be removed : 1. Medical Data Systems- Account # - XXXX 2. Medical Data Systems- Account # - XXXX 3. Medical Data Systems- Account # - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I made {$3000.00} on XX/XX/2020 and want to pay 1 mortgage payment of {$1400.00} ( {$380.00} to principal, {$1000.00} to interest ) and {$1500.00} to principal. 
I made additional {$20.00} payment to the principal on XX/XX/2020. Total {$1900.00} to the principal. 
The beginning balance of XXXX is {$260000.00} and the ending balance should be {$260000.00}. 
After so many call, Caliber Home Loans still didn't make it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: NC

Complaint narrative:
Professional Account Management, XXXX, WI, continues to send me debt notices involving an unpaid toll in New Jersey. They are sending the notices to my address even though the name on the registration is not mine and they refused to provide verification of the debt as required by the Fair Debt Collection Practices Act. Instead, the collection agency demanded a copy of the registration for a vehicle I do not own.

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: 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:
On XX/XX/2020, I reported this account, XXXX, CFPB claim # XXXX, as one of two accounts that I have now paid both accounts a twice to XXXX XXXX . This time I made certain the documentation showed the agreement to deposit my check for the removal of the account from the credit bureaus. After receiving the second payments on both accounts, two separate XXXX agents ( on two separate days ) told me they could see where the accounts were paid the first time, down to the date, time and penny. All bureaus have finally stopped reporting the accounts, except TransUnion. I have sent in multiple letters to TransUnion showing the confirmation letters from XXXX, yet somehow TransUnion just keeps " verifying '' the remaining account? I even sent a letter asking them just to actually call XXXX, pick up the phone and make an old fashioned phone call. Not only were all attempts to correct the error " verified '', the account was updated to a " charge-off '' and still reports as an " open '' account? This seems absolutely absurd that these bureaus have so much control over our financial conditions, yet they have no regard at the injuries they cause to the consumer, to be so reckless in their reporting that it can ( and did, significantly ) cause financial destruction for me, which directly impacts my provisions for my son. Now I am trying to repair all the damage done by TransUnion 's careless reporting and they are just bumping along, still reporting this account that has now been paid twice, reporting it in complete error to hurt my credit score more, completely ignoring all communication by me to resolve the issue, and is completely unreachable by phone? This hardly seems okay, again it seems a lot like 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 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: AR

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. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}

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 — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX and Equifax have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
When I call XXXX XXXX and Experian They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

XXXX Experian and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2020 a hard inquiry appeared on my Equifax credit report that I did not authorize. I contacted Equifax, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with XXXX.

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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Our former mortgage company was XXXX XXXX. They sold shell point mortgage our loan. We had been on a payment plan with XXXX was caught up. I missed our XXXX payment to Shell Point due to me getting sick. I was completely bedridden between XXXX until XXXX. After 9 ER trips I was finally hospitalized on XXXX the XXXX I got diagnosed with XXXX XXXX. After treatment started I have started on a long recovery ahead of me. We got a letter from a lawyers office from the court on foreclosure process. We tried getting in touch with the mortgage company with no luck our point of contact keeps changing. I got ahold of the lawyers office and they stated they would try and get someone to contact us with no help still. Got a letter from the mortgage company stating they would take an amount to reinstate the loan so called to pay it. After 3 hours of trying to get our point of contact got ahold of him. He took my payments info and said we were good. Then he put me on hold and after coming back on the phone he said we would have to wait on another letter for the full reinstatement amount? Time is ticking away for foreclosure.

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I have been trying to work with my business bank ( XXXX XXXX ) to apply for a PPP loan. I have a business relationship with them. I am a seasonal business requiring a calculation based on a seasonal period, which is allowed under the PPP program. The bank is refusing to process my application for unknown reasons, trying to instead offer me a loan amount significantly less and not an accurate representation of my payroll as specified by the treasury department and the SBA. I originally submitted my application in early XXXX and have tried numerous times to talk with anyone I have dealt with. Any time I am able to speak with someone they are unable to provide any information relevant to my application, including necessary documentation they need from me to validate my payroll numbers. I believe they are screening my calls and refusing to do business with me waiting for funding to run out.

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: NY

Complaint narrative:
Hello, I have never lived at XXXX XXXX XXXX XXXX, NY XXXX I have made several attempts to getting this resolved. 

There has been credit cards issued to this address under my name which is fraudulent. 

In XXXX of 2017, there have been charges in the amount of {$2600.00} for XXXX XXXX which doesnt belong to me. 

This address and card is fraudulent and it is affecting me personally. 

Thank you for your help.

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 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. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}

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 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. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}

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: 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: AZ

Complaint narrative:
I am mainly filing this complaint on Transunion, XXXX. Transunion, XXXX  has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can Transunion, XXXX  say these accounts are verified and meet FCRA requirements. Transunion has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
Today I received a notification from my credit monitoring service that this interloper has reported that I owe them money for a gym membership that I cancelled. I cancelled this gym membership last year but the company still continue to try and charge my credit card without my authorization. I had to actually cancel my credit card and get another card issued.

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: NV

Complaint narrative:
I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX XXXX XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My dentist recommended I sign up for a CareCredit account to pay for some dental work. They assured me it was a interest free credit card. I set-up the appropriate monthly payments to ensure the balance was paid off in full within the yearly period allocated. However after the promotional period expired they began charging huge amounts of interest. I understand a judgement was awarded against them in 2013 for this kind of misleading and deceptive conduct. I have paid close to {$2000.00} in interest that should not have been accrued.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: HI

Complaint narrative:
This complaint is against FedLoan Servicing, the Loan company that has been selected to help service the " Public Service Loan Forgiveness Program ( PSLF ). '' I have been trying to work with them for many years and continue to have difficulty with their review of my qualifying payments. They have re-reviewed my account ( at my request ), which takes over a year, and still have not responded to my questions regarding being forced into forbearance during their recalculation periods and the fact that I am still missing 20 qualifying payments. I should be eligible for loan forgiveness in XX/XX/XXXX, but have been given the " tentative date '' of XX/XX/XXXX. 

1 ) The months of XX/XX/XXXX and XX/XX/XXXX were forced forbearance due to FedLoan Servicing needing to recalculate my payments. I still had to pay my bill ( which was over {$300.00} higher than my normal consolidation payment ) during that time. When I spoke with FedLoan Servicing, they said that they would refund the money from my XX/XX/XXXX payment as well ( if it didn't count toward my PSLF forgiveness at the time ) or use it toward a future loan payment. This never occurred, so I am asking if I may please receive the money for these months as a credit to my account OR have those 2 payments count toward PSLF.

2 ) I understand that XX/XX/XXXX was another time of forced forbearance due to FedLoan Servicing 's recalculations. However, when I go back into the online payment history, I do not see any other payments for this month and/or prior to this date being counted. I can go back to my paper files to verify the amount paid during these months if need be, please let me know if this information would be helpful to you, as I have consistently paid my monthly loan bill since XX/XX/XXXX.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In 2016 I applied for a Capital One Saks Mastercard. I was advised that the product was going through a change. As such, I was approved for a Saks store brand card by Capital One until the product change was completed. I was advised that I would be upgraded to the Mastercard in which I originally applied. Capital One has now indicated that I would need to cancel the existing Saks store brand card it approved and re-apply for the Saks Mastercard. Not only does this contradict the bank 's initial disclosures upon acceptance of the Saks store brand card, re-application for the Mastercard in store is not only impossible given our current climate but it would involve a new inquiry on my credit.

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: AR

Complaint narrative:
I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I opened a checking account with First Tech Federal Credit Union on a referral invitation from a family member. The referral provided me an opportunity to earn {$50.00} bonus if I deposited {$250.00} new funds into the account within 30 days of account opening. I opened the account and deposited the necessary funds, but First Tech is not honoring its bonus promise on technical grounds, stating that I transferred the money the same day of deposit, this was not mentioned anywhere in the promotion that money needed to be in the account for certain period of time. I called First Tech customer service numerous times and I was initially not told about this technical issue. Only after 30 days passed, they informed me I would not get the bonus. I feel like this is deceptive marketing and has completely wasted about 6 hours of my time. The agents were either poorly trained or withholding information purposely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation