vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, TX. XXXX XXXX : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XX/XX/XXXX-XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XX/XX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, XXXX, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You XXXX only contact me via email at XXXXXXXXXXXX. Regards, 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 2017-08-03 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: MD

Complaint narrative:
I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

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 2017-08-03 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:
I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: MD

Complaint narrative:
I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

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 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
XXXX-2017 To whom it May Concern : In XXXX of 2017 I realize in my credit report that appears some accounts that do not belong to me : Portfolio recovery # XXXX balance in collection of {$520.00} XXXX XXXX # XXXX balance in loss of {$520.00} I have never held accounts with these creditors and have never lived outside of Puerto Rico. The credit report reports an address in the United States that does not belong to me XXXX XXXX XXXX XXXX XXXX MA XXXX. I need not mix personal information of another person in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX I took a month by month by month mobile plan with them with my own paid up phone. I was require to put a deposit plus 1 month payment ahead. I cancelled my services after about a year to take advantage of XXXX 's incentives and XXXX XXXX XXXX is charging me {$190.00}. They have used 4 collection agencies that had reported me to the credit bureau and I tell them the situation and ask them to produce a contract that I signed showing that I owe this and non can produce one and XXXX XXXX XXXX can not produce it. The present collectoris : Diversified Consultants Inc. XXXX XXXX XXXX XXXX, FL XXXX tel # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Worried about an accidental disclosure of my personal information, I placed a global freeze on mycredit reports at each of the three credit bureaus a little over two years ago with no trouble. Now, I am  hoping to purchase a home and am in the process of seeking pre-approval for a mortgage with a lender and have been unable to temporarily lift my freeze with Equifax or contact any representative of the company despite multiple online and phone call attempts. On XXXX XXXX, 2017, I successfully lifted my credit freezes at XXXX and XXXX with each in less than 3 minutes. However, on this same date, I spent over 2 hours trying to process the same temporary lift with Equifax without success. When attempting the temporary lift with Equifax online, I was told it can not be processed online and the only option is to mail in my request -- no customer service representative number was offered. I tried calling the automated Equifax line related to credit freezes, ( XXXX ) XXXX, and was given the same response : that I could mail in my request, and no offers to connect me with customer service was offered. I then searched for alternate numbers to simply try and get ahold of a human being, and tried the Business Member line, XXXX, onwhich I followed the instructions on the automated message line according to my needs as a Personal Credit holder, only to be repeatedly disconnected before speaking with anyone. Thinking that I may have success on the Business Member line entering alternate member needs to simply get a hold of someone who could transfer me, but I repeatedly came to " dead ends '' where the automated message suggested I check Equifax 's website or ended my call. I 've had no success and hope the CFPB can help resolve this by identifying a real contact at Equifax and, more importantly, ensure that Equifax and its customer support is more accessible to individuals moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Like many Americans, I have been getting up to a dozen robocalls a day offering everything from new windows to mortgage loans.
Today I got a call on my cell phone number from a XXXX area code, but it was someone who was clearly from overseas, offering to put me in touch with someone to talk about getting a mortgage loan.
Within 60 seconds of hanging up, I got calls from at least half a dozen callers, presumably mortgage companies. One of them was Quicken Loans. They claimed that I had generated the lead by filling in an online request. This was not true.
I asked to be transferred to the compliance department and spoke with XXXX XXXX ( direct dial : XXXX ).
He said he would take my name off the Quicken Loans list. I asked him why Quicken Loans is buying leads from such a company and he did not know. Companies like Quicken Loans are enabling these kinds of robocalls that are plaguing Americans throughout the day. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.

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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
Sent mutliple letters and faxes to company as means for debt verification and have not been given a response back from them.     Company however is attempting to sue me.

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
During my investigation LexisNexis states and reported that I lived at   XXXX   XXXX   XXXX     XXXX   XXXX   NY or is accurately associated with myself at time of claim in question dated  X/XX/13 . What I have found is there is no such address on   XXXX   XXXX   NY. The road does n't even exist.or address. This is completely false and inaccurate information. If said address even exist or road please provide said proof that   XXXX   XXXX   XXXX      XXXX   XXXX   NY. is factually as they claim. Given this false statement as they provided on four occasions as verified proof. They must remove the entire incident that occurred on  X/XX/13  as it is flawed with false statements also inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
We submitted a short sale on X/XX/17 with Citi. A negotiator had already been assigned in XX/XX/XXXX. Our negotiator finally reviewed our file after numerous follow-up calls and e-mails on my part. On this  particular short sale the 1st lien is receiving a full payoff. The 2nd lien would then receive any remaining funds. On X/XX/17 I received a message from the negotiator advising me to REDUCE THE PAYOFF ON THE 2ND LIEN TO {$6000.00}. What would she like for me to do with the now excess {$71000.00}? I e-mailed XXXX my processor and called in. I spoke with XXXX on XX/XX/XXXX via  phone. She was able to communicate with the negotiator via IMing while I was on the phone. The negotiator said she did not realize the 1st was a full payoff ( yet she admitted she is assigned to the 1st and 2nd liens ). She said she would review the file and would update me on Monday XX/XX/XXXX. Of  course there was no update on XX/XX/XXXX, nor on XX/XX/XXXX when I called. The afternoon of XX/XX/XXXX XXXX  messaged me again with the negotiators update ... to reduce the payoff to the 2nd lien to  {$6000.00}!! Again, no advice on what to do with the {$71000.00} that Citi refuses to accept. XXXX then went on vacation until XX/XX/XXXX. I spoke with a manager on XX/XX/XXXX ( XXXX XXXX ) who agreed that the bank should be willing to accept the extra $ XXXX and that he would escalate my file for the negotiator 's manager to review. I called today, XX/XX/XXXX - still no update and still unable to speak with any decision maker. They told me to now wait until XX/XX/XXXX and then call back. My options are : pay myself the extra {$71000.00}, pay the seller {$71000.00}, reduce the sales price by {$71000.00} or give Citi the {$71000.00}. Unfortunately, no one at Citi seems smart enough to accept the {$71000.00}. I find it ridiculous that I have to ask for assistance to give you more money.

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 2017-08-03 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: NM

Complaint narrative:
As of XX/XX/XXXX, according to Equifax, the balance on my account is showing it has only been current for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) and the balance shows as {$7600.00}. I have made payments on my account long before XX/XX/XXXX and as of present day of XX/XX/XXXX, I am 100 % current on my account. There is a great deal of reporting missing from the report. The current balance shown is incorrect. The report shows my last payment was XX/XX/XXXX. The account is showing on Equifax as being open since XX/XX/XXXX however the only reporting on the account according to Equifax has been XX/XX/XXXX and XX/XX/XXXX. This misinformation has greatly effected my credit score and ability to move forward in purchasing a home. This has caused a great deal of damage in my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint because I have tried several times to file a claim for fraudulent activity on my Wells Fargo accounts. Money has been transfered online from my Personal Line of Credit to my checking accounts in large amounts then withdrawn out of the ATM right after. None of this activity was me. There also were two payments onto the personal line of credit online that was not me also. This activity was from XX/XX/XXXX to XX/XX/XXXX My first claim was made in XX/XX/XXXX. My claims have been denied due to their reasoning stating that I authorized these transactions because it was in my account. These transactions are withdrawn in large amounts. There was no need for me to need over {$5000.00} in such a short amount of time. I do not have any other bank accounts and did not make any large purchases around this time. In XXXX of XXXX, I received a new debit card due to a lost wallet. I have continuously asked for the surveillance for these dates to be released because none of the activity with my personal line of credit was authorized by me. When I make a claim with personal line of credit claims they tell me to make a claim with the checking claims. When I make a claim with the checking claims they tell me to make a claim with the personal line of credit. I have been given the run around for months. Whoever is using my card at the ATM has all of my information and is making online transfers so they have my PIN also. They have all of my information. My credit card with Wells Fargo has been closed due to this activity and both of these closed accounts ( Credit Card and Personal Line of Credit ) have been closed late XXXX and appear on my credit statements! These dates and amounts are as follows for online transfers AND withdrawals : XXXX {$300.00} XXXX {$700.00} XXXX {$500.00} XXXX {$700.00} XXXX {$700.00} XXXX {$480.00} XXXX {$240.00} XXXX {$600.00} XXXX {$700.00} XXXX {$800.00} XXXX {$500.00} XXXX {$700.00}

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 2017-08-03 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I requested validation of this debt multiple times ( XXXX XXXX/MIDLAND FUNDING ) has failed to produce any documentation. They havent sent my original contract showing my Apr. They tried to sue me in court this case was dismissed because they couldnt prove this debt is mines. They are in violation of the federal law by keep this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My hardship started in   XXXX   2015 when my income decrease 50 % on top of that my wife lost her job. My income is getting better but I need assistance to bring my mortgage current, please help me to keep my home. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation