vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The date the account is opened is wrong : The account was opened in XX/XX/XXXX. 

Wells Fargo Equity Line of Credit : Debt went bad in XX/XX/XXXX of XX/XX/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 2019-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
A response was received from Shellpoint Mortgage Servicing. The information provided to my complaint is in regards to contact information, i.e., service rep and Mortgage Service Provider phone numbers provided ... were false, misleading. In fact Representative and Shellpoint contact phone numbers were in fact business phone numbers for employees to receive voicemails. Furthermore, I was informed the representative assigned, no one by such name existed within Shellpoint. In my opinion this was a deliberate tactic to further delay my request. The response was also a third time try on CFBP attempt to get a appropriate response, only to have the third time try response provided, info was false, fabricated and deliberate to mislead the consumer. I thus STILL DO NOT have a point of contact to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
*Submitted on experian.com/consumer/upload/ correspondence from Four ( 4 ) banks that appear on HARD INQUIRIES stating that the HARD INQUIRIES were a result of an <<ERROR>> and that they should be removed from EXPERIAN . Experian has violated The FAIR CREDIT REPORTING ACT by NOT ACCEPTING DOCUMENTATION PROVIDED BY THE COMSUMER AS A RESULT OF AN ONGOING DISPUTE. The following Inquiries MUST BE REMOVED BY LAW : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - XXXX 'XXXX XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - 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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
Enter store to browse products to support a local new business. Find hedge trimmer ( value {$40.00} ) and laptop ( value {$200.00} ). Decide to finance instead of cash payment. Employee tells that I am approved for {$5000.00} line of credit. Employee tells that I can pay it off at {$26.00} per pay period until the SALE PRICE of {$240.00} is paid off. Employee did NOT inform me that I had to pay it off in 90 days, or suffer the consequence of a payoff amount of nearly TRIPLE the value of the original equipment being financed. This is predatory, unfair business practices and this company should be shut down. Period. 

I have paid to date, at the time of filing this complaint, {$310.00}. The loan is satisfied. I do NOT want a refund and I will GLADLY return the equipment, which has seen minimal use since purchase. I want OUT of the rest of the payments as scheduled. I will NEVER EVER use this company or its credit agency again. And, I will be sure to inform ALL of my friends, family, and associates about its business practices. 

This ( attached ) lease agreement that I " signed '' has an electronic signature that was typed in by the EMPLOYEE, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery/XXXX XXXX # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: MI

Complaint narrative:
RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCT AND SOME INQUIRIES THAT I DID NOT AUTHRORIZE. 

XXXX/XXXX ACCT NUMBER XXXX AMOUNT {$510.00} ACCT OPENED XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2019-11-21 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: FL

Complaint narrative:
on XX/XX/2019 a dispute was made with XXXX, TRANSUNION and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit 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 2019-11-21 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: FL

Complaint narrative:
on XX/XX/2019 a dispute was made with XXXX, XXXX  and EXPERIAN in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit 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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
This is not my debt please remove immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
We have been waiting for the short sale of this property to be approved and Fay servicing kept on telling us that sale date is on hold. on XX/XX/19 they told us that the bank foreclosed on the property and on XX/XX/19. They lied to all of us. Please investigate this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
Amount they said that I owe them is XXXX. The company name is pendrick Capital partners II. I do not know where this money or The bill they talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2019-11-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-11-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX/XXXX  XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX   XXXX  and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.

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 2019-11-21 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: UT

Complaint narrative:
XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX   XXXX  and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.

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 2019-11-21 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2019-11-21 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:
XXXX ; XXXX and Transunion are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-21 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-21 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent a letter with account information that is incorrect and asked that it be deleted. Sent back been verified, also sent a second letter asking to show how it was verified, response was validated. False statement my account are froze and I received no call or nothing asking to verify. Sec 609 and many more putting false info on my credit 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 non-monetary relief
Consumer complaint received 2019-11-21 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: MI

Complaint narrative:
RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCT AND SOME INQUIRIES THAT I DID NOT AUTHRORIZE. 

XXXX/XXXX  ACCT NUMBER XXXX AMOUNT {$510.00} ACCT OPENED XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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