vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX XXXX {$22000.00} XXXX  XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
-XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, XXXX XXXX  , 3 XXXX XXXX XXXX debit card , XXXX  ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost document. 

-XX/XX/XXXX Notice from XXXX  report about new bank account open at People  united bank : open on XX/XX/2019 and notify call center about the issue. 

-XX/XX/XXXX Verify ID at Peoples united bank XXXX Branch XXXX XXXX XXXX XXXX, NY, USA XXXX . XXXX XXXX bank representative verified my ID and told me That now account was closed and have {$45.00} fee left. Then he contacted Fraud department and recommend me to disputed on XXXX   report. 

-XX/XX/XXXX Dispute to XXXX report . 

-XX/XX/XXXX Visit XXXX XXXX  precinct police officer demand letter and proof of victim of identy theft to make police report. Call the bank representative. Then i call Customer service, she give me address to send the dispute letter. 

-XX/XX/XXXX Send the disputed letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/2019, I took out a refinance loan with PennyMac Mortgage for our single family home. At that time XXXX XXXX was my loan officer. He seemed to know what he was doing. He informed me instead of my receiving an escrow check back from my current mortgage at that time, I could roll it over into my refinance towards the new escrow so that my closing cost and my escrow would be enough to start my new loan. I agreed that was fine. I figured he was the professional and knew what he was doing. This reduced my mortgage from {$1400.00} to {$1200.00}. That sounded great to me. Now 5 months later, I find out that I have a {$1800.00} deficit in my escrow. I spoke to XXXX in the customer service dept. and she indicated Mr. XXXX did not apply my {$1300.00} escrow balance to the new loan. She consulted her supervisor to research with her and that is what they came up with. She says the only way to rectify this situation is they have to pass this on to me, even though it was not my fault. The alternatives is to use my XXXX payment of {$1200.00} towards the escrow deficit and make 2 payments in XXXX of {$2400.00}. ( We can not do this ) or spread the deficit over 48 months and that will increase our mortgage by {$140.00} a month. Neither of these are feasible for us. We are in our 60 's and not working. I have a XXXX XXXX XXXX  with no XXXX  since XX/XX/2019. I believe Mr. XXXX played with the escrow to make it look like a better deal than it actually was. I can not refinance with the FHA loans outrageous now. 
The loan # XXXX that I am referencing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank MortgageBorrower : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX I've spent a year trying to work with the Flagstar Bank Escrow Department and their Insurance Service Department to try and resolve a force placed policy that was then charged to me with late fees. After having called Flagstar Bank on a monthly basis for the past year it was only yesterday on a call ( with the assistance of my insurance broker ), that I asked for an escrow accounting and copies of documents and policies and became concerned that there may have been fraud or a legal violation on the account. 

On XX/XX/XXXX a disbursement of {$1600.00} was made by Flagstar from my mortgage. This disbursement automatically established an escrow account for calendar year XX/XX/XXXX. My mortgage does not have taxes or insurance escrowed. I was originally told by the bank that this was related to a force placed insurance policy. I provided insurance documents and policies to prove that I had my own insurance in an attempt to resolve the error. 

The charge for {$1600.00} ultimately also resulted in an additional {$900.00} in late fees accrued to my account. I was told by Flagstar Bank every month I called to wait for a refund and reconciliation. I continued to pay my original loan amount but would later make additional monthly payments upon a monthly review of my account because no reconciliation actually took place and I did not want my account to go past due. 
When I called Flagstar with my insurance agent to see if I wasn't asking the right questions, the Bank escrow department acknowledged the disbursement in my account history but could not confirm to who the disbursement was made. I was transferred to the Insurance Services department and we asked for a copy of the policy that was force placed. This was the first time they disclosed that they do not have a record of insurance or a copy of a policy being placed on my account. 

I was presuming if I got a copy of their policy I could get a refund from my own carrier who I also had a policy with, but it appears Flagstar Bank is unable to provide a justification for their charges. 

My complaint is that no policy was actually purchased since they can't find proof of a policy yet they charged me for insurance and fees on my 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 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX  offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.

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 2020-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.

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 2020-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
So I go to pay my bill on XX/XX/2020. I look on the website and says the {$310.00} payment is due XX/XX/2020. I thought wow GM is giving me a month, how nice of them, so being diligent, I chatted on site and confirmed it. Then being more diligent I messaged via text customer service cause their phone lines werent taking calling, and it was confirmed a second time. Then today I get an email saying Im late. I looked and I owe XXXX.. I called and was told sorry we made a mistake. Dont worry, well waive the late fees. 

I dont have that money anymore, I bought things to stock up on that Im afraid I wont be able to find. They wont budge. They effed up, and wont help. Heartless. 

I have screen shots if this error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$520.00} XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX XXXX XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I asked Tansunion, XXXX, and XXXX to verify my bankruptcy in XXXX. They did not verify because the court house does not give out this information for verification and it needs to be deleted from all 3 credit 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 explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I received a collection on my XXXX  credit report and I tried to dispute it through XXXX  and by contacting the creditor to no avail. 
The Consumer in question is XXXX XXXX/CBE GROUP for {$43.00} and I have no idea what this is for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MidAmerica Mortgage Inc
State: OR

Complaint narrative:
I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not XXXX payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to Mid America Mortgage Inc. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by XXXX  just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}

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 2020-04-01 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: CA

Complaint narrative:
I write this letter as over the past 8-10 months or so months I have went back and forth between Chase 's Fraud and Disputes Departments regarding two unauthorized transactions on my credit card totaling the amount of {$13000.00} from XXXX XXXX. After noticing these two transactions I ordered a card replacement as I thought it was fraud, however Chase noted it was considered a charge dispute as I previously did business with XXXX XXXX. Transaction 1 was charged in the amount of {$9800.00} on XX/XX/2019 and transaction 2 was charged in the amount of {$4100.00} on XX/XX/2019. Neither of the charges were approved by me the consumer and services were not rendered. I attempted to address these charges through the Chase and I was told it was in fact the Chase 's Dispute Department would and had resolved since I previously had authorized the contractor for other charges. However on XX/XX/XXXX I received an alert from XXXX  that my Credit card balance had a dramatic changed and I noticed a charge back in the amount under dispute. I have submitted to Chase countless documents stating my position regarding the fraudulent activity of XXXX XXXX. 

I have bank statements and and contacts showing I paid other contractors to do the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some things on my account hurting me. These things to not belong to me. My identity has been compromised. Please delete these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
paid in full ON XX/XX/2019 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 2020-04-01 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}

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