vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 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: FL

Complaint narrative:
I am a victim of identity theft starting in XX/XX/2019. I viewed my Equifax credit report about a month ago, and again a day ago, and there are four ( 4-XXXX XXXX, XXXX XXXX, XXXX, XXXX ) fraud identity theft inquiries on my Equifax credit report that Equifax has failed to delete, even though the financial companies have reported to the credit reporting agencies to delete the inquiries months ago. 

I wrote to Equifax on XX/XX/2019 providing them with documentation supporting the deletion of these inquiries. I sent the paperwork using USPS Priority Mail. They received the information on XX/XX/2019 XXXX. Instead of processing my request, Equifax sent me a canned letter response requesting my personal information, which I have sent multiple times already since XX/XX/2019. What have they done with my personal information? I have previously sent them the XXXX XXXX Identity Theft Affidavit, FBI IC3 filing, and FTC identitytheft.gov filing as well. I even have a profile set up on their system with an identity theft alert. 

On XX/XX/2019 I responded to Equifax sending them my personal information ( again!! ), along with the original supporting paperwork, and a cover letter. I sent the documentation USPS Priority Mail and it was received on XX/XX/2019 XXXX. Again, Equifax sends me a canned response letter requesting my personal information!! I received this letter XX/XX/2019. What did Equifax do with my personal information and supporting paperwork that I sent to them and they received on XX/XX/2019? 

The other two ( 2 ) credit reporting agencies, XXXX  and XXXX, deleted these inquiries months ago, AND I received an acknowledgment in the mail that they had done so. But Equifax has failed to delete these four ( 4 ) fraud identity theft inquiries. 

So, in frustration, I am filing this claim wth CFPB to get this issue resolved, rather than just recieve another Equifax canned letter requesting my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
selene fianace is the servicer of the loan. We applied for a loan modification and submitted the required docs before the deadline of XX/XX/2019 When we called to follow up they told us the file was denied since the sale date was less than 37 days away. When they gave us the deadline they knew when the sale date was XX/XX/2019. They told us docs were missing from me although I was not on the loan, and ask that I sent in the docs by XX/XX/2019 which I did..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Im not sure of the dates its been awhile the first one is credit collection services. Ive filed two disputes on it. And both have been denied and ive been told its going to stay on your report. Its for progressive car insurance for XXXX. Now before i switched car insurances the balance was paid and cancelled and i was told you owe nothing. And few months later i get mail from XXXX   claming i owe XXXX. I told them no i dont owe and told them what happened and they said well sorry someone lied to you and clamied i never paid the bill. And its like im responsible for someone elses mistake i dont think so.. 
The next one is XXXX XXXX XXXX/ XXXX and this was 2 years ago. We moved and we cancelled service and moved to another address and my wife had cable put in her name. And months went by and i get a bill from XXXX saying i owe XXXX i call and they say yeah you never called and cancelled your service 's. I explained what went on and they said oh yeah we see that but you still owe money for a disconnect fee. So we went down to the office on XXXX XXXX spoke to the rep and they said it was ok sorry for the issues will take care of it. Guess what never did and ive disputed that as well and getting told nope its gon na stay. This isnt right im telling the credit agencies thats not how it went and its like oh well now i cant even get a home because of this. Its needs corrected and those to debts need cleared ive fought and argued as well with the collector telling them the same things ive typed here. And disputed with them as well and all i get told is you can dispute all you like its not gon na go away how fair is that to me? Please remove the two debts ive listed they are not vaild and untrue. And both of these are " NO CONTRACT. '' Heres a link as well to XXXXaXXXX XXXX XXXX  XXXX & XXXX That also states that others have disputed items and its been removed and im saying that i owed no balances period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: GA

Complaint narrative:
I noticed on my Experian credit report it is reporting credit card usage. I contacted them via written dispute on or around XX/XX/2019 and XX/XX/2019 stating they are reporting credit usage and I don't have any open credit card accounts so I shouldn't have any usage. They responded stating my information was updated however it's still reporting. I called Experian dispute department on XX/XX/2019 to speak with someone in disputes directly and my issue was unresolved which I think is mainly due to the representative being in XXXX XXXX and not fully understanding my issue. Which leads me to my second concern I am not sure my identity and personal information is being thoroughly protected when it can be accessed internationally. It is no way a company in XXXX XXXX should be managing and accessing personal information for consumers in the US.

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 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: GA

Complaint narrative:
I was in a car accident after renting a XXXX rental car the same day I rented it on XX/XX/2019. I called the police and reported it and I called XXXX and reported it. XXXX said to wait until they sent a tow truck. After waiting a couple of hours the police on the scene told me to leave. XXXX ended up sending a tow truck from far away and leaving that car in impound accruing {$300.00} in impound fees. I am only responsible by contract for a loss damage waiver of {$310.00}. They charged me an additional " administration fee '' for {$50.00}. The tow yard invoice shows this admin fee was actually {$45.00}. They are also trying to charge me an additional {$1200.00} without explanation. They claim they are towing fees but the tow yard shows a total of {$580.00} with {$300.00} of that being XXXX 's negligence in not picking up the rental car from the impound lot for days. Additionally, their contract states that if a car is returned after 12 hours a fee of $ XXXX/day will accrue and is capped at 5 days for a total fee of no more than {$75.00}. I did as they instructed, XXXX took possession of the car with the tow, and chose to leave it in impound to accrue {$300.00} in fees. 
They have threatened to credit report me on these bogus charges. I will pay the Loss Damage Waiver I am contractually obligated for and not a penny more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my Experian report again. This needs to be addressed! Remove this account out of my name and off my reports.

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 2019-10-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
When I took advantage of a zero percent balance transfer on XX/XX/2019 for my Chase Freedom Visa it was never disclosed that I would be forfeiting the grace period on prior and current purchases. It was only indicated that I would be charged a 4 % fee. Chase 's deliberate omission of grace period forfeiture was not indicated and as a result I am being charged interest on the purchases. Card holders are being deceived into believing that the they would only be charged the 4 % fee. Chase is intentional omitting disclosure of grace period forfeiture to their benefit by collecting the higher rate of interest. Please note that in XX/XX/XXXX and XX/XX/XXXX the payment was greater than the purchases charged for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
It is with great desperation that I have written to Sp servicing requesting a loan modification that would be affordable for our family. I intend to stay in my home and, hope, through the loan modification program. I will be able to get my loan back on track. I am very frustrated. This process has taken so long that I have incurred attorneys bills, escrow account increases and monthly principal and interest. SP servicing has conducted a review in accordance with the investor 's eligibility rules. 
I qualified for a loss mitigation program which offers a repayment plan with a balloon payment at the end. I had to reject the plan because of the balloon payment. 
Sp servicing claims this program was intended to help you avoid foreclosure. .However, now that so I do not lose my home Iam willing to take that Trial period they are telling me the loan is no longer available.. Are they playing games with hard working people. 

I am pleading now to please review my case and offer a more reasonable program. I do not understand how now that there is a change of circumstances the servicing company can not work with me,. 
I was fortunate for in XXXX of XXXX, I became employed at a restaurant near my home. My income has greatly improved with these increases. I will be able to to make my payments. I live at my residence since XXXX. I want to maintain my home for my children. 
I also must tell you that refinancing is not an option. My home does not appraise. 
I ask again you reduce the interest, extend the terms of the loan and I will be able to afford my home. 
I have submitted requested appropriated documents including my spouse 's financials such as paystubs, bank statements, to demonstrated that I am serious. 
I am hoping you can understand..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: FL

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


CHILD SUPPORT ENFORCEM Account # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1980 ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL 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 2019-10-17 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX Account # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  SEC # XXXX DOB XX/XX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT,  XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ONLINE COLLECTIONS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ONLINE COLLECTIONS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX. XXXX during the process of buying a house I wrote check # XXXX to XXXX XXXX for {$50.00}. This check was never cashed. I have been showing it outstanding since then. I have been balancing my check book each week due to all of the auto drafts that come out of my account. Since that date I have always had to show this check as outstanding in order to balance. 

On XX/XX/XXXX. XXXX, My {$50.00} OUTSTANDING MONEY WAS GONE. I could no longer balance my check book since the money was no longer in my account. If I added it back into my account as an outstanding check I no longer balanced. I was then over {$50.00}. 

I called the bank Capitol One customer service on XX/XX/XXXX. XXXX and spoke with some lady for about 30 minutes. She could not understand that the money should still be there and she could not explain to me where my {$50.00} dollars had gone. 
I then requested to speak to her supervisor and she switched me over. After about 10 minutes he didn't seem too concerned and he could not tell me where my money was at either. When money comes up missing that is THEFT to me.

Company response to consumer: Closed with explanation