vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
I've repeatedly asked L.J. Ross to verify this account with ME, the consumer. It appears on my credit report, therefor, I have the right to know who L.J. Ross is. They have sent me nothing in the mail, they have continued to report the account, and they've even sent written verification to the Credit Bureaus, bit nothing, NOTHING to me! This is INSANE! 


PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: VA

Complaint narrative:
The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX Account # XXXX Amount {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: TN

Complaint narrative:
The referenced account was originally a debt to XXXX XXXX. I actually requested a pay to delete last year to Credit Control Corp because I am XXXX XXXX military and never received notification with the original company. I was hoping to not have to go through the hassle of removing the companies incorrect data since I am constantly coming and going on military orders. They had in return sent me a letter stating that the information provided to them was incorrect. That I would then need to call into them to speak. However I never did because I had actually reached out to XXXX  to complain about not receiving a bill to state I owed {$65.00} because service should had been cancelled due to a PCS from XXXX  to XXXX. I have since handled things with XXXX. I also looked up the licenses for Credit Control Corp to collect debts for Washington as well as Tennessee and do not see them on the registry. So they were attempting to collect debts unlawfully in these states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2020-03-09 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: IL

Complaint narrative:
Arrowhead advance and been patient with me and reduced some of my interest payments but my wife lost her job and I can only pay {$100.00} a month and they want me to pay {$200.00} a month of my remainding debt of {$440.00}. I have paid them back the {$1000.00} originally borrrowed and in the process of paying back interest payments which I believe has been {$1400.00}. Two months ago, I contacted Arrowhead Advanceand I proposed paying them back {$100.00} a month and they would not agree to the terms. They would only allow me to make a {$50.00} payment with {$100.00} payments going foward every two weeks.I was not able to make the {$100.00} payment today on my debit account. My attorney has sent them a letter on XXXX revoking their right to garnish and to not use my bank account. I plan to pay them back but I can not afford {$200.00} a month. 

below is my past payment history : Loan Details ID : XXXX Start Date : XX/XX/XXXX ( Mon ) Original Principal : {$1000.00} Status : Pastdue Current Balance Principal : {$230.00} Finance Charges : {$180.00} NSF Charges : {$30.00} Total : {$440.00} Last Payment Amount : {$99.00} Date : XX/XX/XXXX ( Mon ) Type : Returned Date Description Principal Cash Advance Fees Finance Charges NSF Fee Total XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$99.00} ) {$0.00} {$0.00} {$0.00} ( {$99.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$110.00} ) {$0.00} {$0.00} {$0.00} ( {$110.00} ) XX/XX/XXXX Payment ( {$100.00} ) {$0.00} {$0.00} {$0.00} ( {$100.00} ) XX/XX/XXXX Payment ( {$50.00} ) {$0.00} {$0.00} {$0.00} ( {$50.00} ) XX/XX/XXXX Payment ( {$40.00} ) {$0.00} ( {$180.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$32.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$26.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$21.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$17.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$13.00} ) {$0.00} ( {$210.00} ) {$0.00} ( {$220.00} ) XX/XX/XXXX Payment ( {$120.00} ) {$0.00} ( {$100.00} ) {$0.00} ( {$220.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

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 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time. Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with IBM , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
My son XXXX XXXX sent 2 XXXX payments of {$500.00}. Each on XXXX, to me. XXXX XXXX. However I never received them. XXXX opened an investigation with USBank to see what happened. US Bank sent him a letter dated XXXX saying his claim was denied because the money was received. However it was not. Upon further investigation we found that he sent it to the wrong phone number. He sent it to a XXXX XXXX at XXXX, instead of XXXX my number. We contacted US Bank and they said they could not do anything about it. We then contacted XXXX XXXX at XXXX and asked if he would return the money as XXXX has XXXX and works at XXXX part time and this was two months wages. XXXX said he went to XXXX XXXX on XXXX and had XXXX XXXX reverse the transaction and take the money out of his accounts. XXXX never received the money back in his account. We contacted US Bank and refiled a claim saying all the above. They said they could not do anything because XXXX XXXX was not their client. We need XXXX XXXX and US Bank to return the money as one of these banks has XXXX money. I have since then been put on XXXX account so I can help him deal with this problem. It honestly does not make sense of why these two banks can not contact each other and resolve this issue.

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 monetary relief
Consumer complaint received 2020-03-09 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: VA

Complaint narrative:
The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX  Account # XXXX Amount {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: VA

Complaint narrative:
The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX  Account # XXXX Amount {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 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:
This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT ED/XXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX  XXXX {$840.00} XXXX/XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$280.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX/XXXX   XXXX {$340.00} XXXX  XXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$4900.00} XXXX XXXX  XXXX {$740.00}

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 2020-03-09 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:
This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT ED/XXXX XXXX {$6000.00} DEPTEDXXXX  XXXX {$840.00} XXXX XXXX {$1900.00} XXXX  XXXX {$840.00} XXXX/XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$280.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX/XXXX   XXXX {$340.00} XXXX  XXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$4900.00} XXXX XXXX  XXXX {$740.00}

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I bought a XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX XXXX  XXXX. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an eviction filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$620.00} XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX  XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX {$92.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Total of 2 incorrect late payments appear on my credit report for the months of XXXX and XXXX. Ive disputed both with the company of COMENITYCB/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX and I own a Platinum Store Credit Card with Macy 's for XXXX   USD. I have four separate items that were purchased with promotional interest-free for 12 months. Every single item was returned to the store yet Macy 's never removed the promotion from my credit card profile and when three promotions of the 12 months expired I got to charge a very high interest on the purchases that I had returned to the store months before. The first one that expired on XX/XX/2020 charged me {$430.00} in interest. The other two that expired on XX/XX/2020 charged my card {$700.00} in interest. I have been waiting for almost three months to have the issue resolved while they continue to promise that their back office is working on resolving it. One last promotion out of the four will expire soon and again they will charge it to my credit card. Due to Macy 's negligence my credit card is over the limit and is creating a negative impact on my credit.

Macy 's will not resolve my problem and I am desperate my monthly payment is outrageous. I need help I want all that money to be returned to my account is not fair since I do not have the items.

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A check was written out to my XXXX XXXX. The check needed to be signed by the Mortgage company ( XXXX XXXX XXXX  ). My roofer said he can get that signature faster as they do this kind of work everyday, and then he can give me my check back once it is signed by the mortgage company. 

Instead of returning the check to me, the roofer cashed it at Wells Fargo which is their bank as they told me. The check was not written out to the roofing company, it was written out to my company. 

I spoke to Wells Fargo and they said maybe it went through ATM. Maybe someone did not check the name of the company etc etc but they take no responsibility of putting that check into the wrong account. I went to my bank XXXX  XXXX XXXX and they said that the check should not have gone through, as it was deposited to the wrong company 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 non-monetary relief
Consumer complaint received 2020-03-09 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: TN

Complaint narrative:
Remove the fraudulent accounts

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 2020-03-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent Experian two requests for my credit report, the first via letter on XX/XX/XXXX and the second via a form on XX/XX/XXXX. I have not received my 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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a credit card in my apartment which I misplaced so Capital One voided the card and now refuses to issue me another one. I can not make payments on the card of what I owe because they say my card was voided. The place where I received the statements from Capital one at XXXX XXXX XXXX is permanently closed and the company refuses to send me statements to my present address. I have been calling up for two weeks with my new address but the card nor the statements never come. I sent in ID pictures on XXXX as they refused to let me post them on Capital One website. 

They say it is dangerous to write on XXXX but Capital One stinks and does not even give me an email address to write.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have not heard from BoA even though I was promised a response over a month ago. 

I have filed complaints with CFPB and still have not heard from BofA. See complaints below. 

XXXX XXXX XXXX Conventional home mortgage Trouble during payment process Bank of America XX/XX/2020 XXXX XXXX XXXX Conventional home mortgage Trouble during payment process BANK OF AMERICA HOME LOAN XX/XX/2020 Personnel at BoA have repeatedly promised me responses including the staff named in my previous complaint. I have not heard one peep from them -- either by email, mail, or phone.

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