vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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:
This company ( XXXX XXXX ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that Experian put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge 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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/2019 ( as documented in my letter dated XX/XX/19 to BOA ) and again on XX/XX/2019, representatives from FIA/BOA collections contacted me attempting to collect a debt that not only was resolved on XX/XX/2019 but should not have gone to collections and should have ever been considered a debt against me, in the first place. On both dates, I explained to the representatives that the matter was resolved on XX/XX/2019 and that no one should be contacting me from collections regarding collection on any debt. I explained to both representatives whose phone numbers reflected on the caller ID on my phone as calling from FIA, that the monies that are the subject of my complaints against BOA was to be recalled from my XXXX account. I also advised both representatives that they must follow-up on the issue internally, and I should be continuously harassed about and by collections. 

For background facts and information prior to this point in time, please refer to attachments due to the length of the problems.

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 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Credit Services
State: IN

Complaint narrative:
I recently checked my credit report and noticed a fraudulent unauthorized charge on my account reporting from GENERAL CREDIT SERVICES XXXX, IN XXXX. They claim to report it from a doctor service however, when I contacted the original merchant they have no knowledge of this account or the creditor services and I do not owe this debt that is reporting to my personal credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2019-12-18 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This company ( Professional Debt ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that XXXX  put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In my business checking account, the bank withdrew {$7900.00} overnight unknown to me leaving me a negative {$770.00}. In addition there is absolutely ZERO record of any pending transaction or otherwise of {$7900.00} on the transactions page. In addition, the - {$7900.00} happens to be listed on the line where it says deposits on hold for processing! Does that make sense deposit of a NEGATIVE number? There is no evidence whatsoever that I did anything with {$7900.00}, just a withdrawal from the bank with no explanation. I went to bed just fine and I woke up to a mess because, for no reason, withdrew {$7900.00} from my business checking account. I dealt with about 10 different people and departments over a 6 hour span and kept getting passed around and known of them had any answers. The Date is  XX/XX/2019. 

How can your complaint be satisfactorily addressed? 
All I want is my {$7900.00} back as it is my money and not the banks. So, {$7900.00} back in my checking account is a successful resolution

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 2019-12-18 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2019, I made a payment with Capital One. I was told the amount due was {$190.00} by the associate. I was then advised later that the amount due was {$190.00}. I was then reported as 30 days late. This was their error and they will not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue. We will personally visit their office in XXXX and talk to XXXX himself if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
I had this service in XXXX Ive had it dropped twice now and they keep putting it on my credit with a different date. Its Diversified Consultants/XXXX XXXX for {$330.00}. They say it was opened in XXXX which is completely false. I want this removed for good!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue for debt thats not mine. We will personally visit their office in XXXX and talk to XXXX himself if need be. counter suit will be filed if they proceed with this harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
sent letters to the credit bureaus on these debts {$340.00}, {$260.00}, {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I had service with them in XXXX but theyre reporting that I had it in XXXX and reported it again to my credit in XXXX. XXXX is the service for {$100.00}. I want this removed forever!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a checking account on XX/XX/2019 with Capital One 360. Due to the limitations of Capital One 's website, I had to initially open it in my name only. Once the account was opened, I was then instructed to send an invitation to my spouse in order for her to become a joint account holder. This was done and my spouse received an email the same day instructing her to log in to Capital One and complete her portion of the joint application. 

When my spouse logged into the Capital One website to complete the joint application, she answered a few questions and upon submission was stopped due to a what was called a security issue. Despite going through this process several time her portion of the application could never be completed. 

Over the course of the next few days, both my spouse and I spent several hours on the phone with Capital One personnel in an attempt to complete the joint application process. And at no point was she given a reason for this failure other than their software sometimes has problems. And worse yet, there was no one willing to step forward and intercede. 

Finally, after getting nowhere with Capital One, I chose to close the account on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Clear Start Today
State: TX

Complaint narrative:
I received an illegal robo-dialed phone call from a company that offered to assist me with rolling my payments for a loan into the Federal PSLF program. I spoke to two individuals, one who answered the call after I followed the prerecorded message to 'press 1 to speak, ' and a supposed 'loan specialist ' who spoke about my loans and talked to an 'underwriter '. He asked for my FSA ID, which I provided, and reset my password ( which he communicated what it was to me ), then overviewed my loans and sent paperwork to me via email that I could digital fill out and asked for a payment method. My loan was going to be placed on forbearance for 4 months while they intended to collect {$990.00} across four payments. I brought up a few times about my confusion as to why I would get a loan payment letter from the federal government in the mail upon completion of my sign on and he said my loans were just going to be rolled into a new program. I switched my repayment program once already and I never got an email or printed mail about the loan being paid off. He assured me I wasn't privatizing and that they were handling the paperwork for recertification and loan forgiveness. I told them I would think about and we ended the call. I couldn't find any information about the company but they hit the marks on numerous articles about PSLF scams. 

The company was called Clear Start Today. 
Their address is ( supposedly ) : XXXX XXXX XXXX, XXXX, CA XXXX or another address is ( supposedly ) : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I should also mention my phone flagged the call as from XXXX and was different from the callback number I was provided. 

Called from : XXXX Callback provided : XXXX I got a text from : XXXX The paperwork they wanted me to fill out was loaded with legal agreements and a power of attorney contract. There were typos and the address information didn't match up between the website and the paperwork. Some of the forms didn't directly match up with those provided by the agencies they intended on communicating with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a XXXX XXXX credit card to help give me more time to pay off my Chase card. I initiated several balance transfers that went through, the third one resulted in a new balance on my XXXX XXXX card, but that same balance never came off of my Chase card. It has now been nearly two months and Chase claims to have never received the payment, while XXXX XXXX claims the check they sent was cashed a week later. This has resulted in me being unable to use my Chase card and now unable to even make the minimum payment. I essentially have been screwed into having the same balance on XXXX cards. While XXXX XXXX agreed to file a claim disputing the charge, in the meantime this has been hugely detrimental to my financial wellbeing and I will likely be unable to pay in time to prevent the Chase card being closed. This is a massive disaster that would not have occurred had either side stepped up in time to resolve this issue. They both shifted blame elsewhere and left me in the lurch even though it was not my fault, I followed the same procedure as before and they confirmed that the info I provided was 100 percent accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Bank stated that they were unable to verify income which was not true ... we contacted ssn office ... brought my taxes as well as showed proof of all income, also I paid for an inspection for my home and no one ever came and citizens bank never returned my money which it was told that my XXXX $ would be

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
In XX/XX/2018 two XXXX XXXX XXXX accounts were sold to XXXX XXXX in an attempt to collect debts that were not mines. I wrote letters to XXXX XXXX to provide proof that these accounts belonged to me and to also provide a signed contract with my name and they were not able to do that so all collections attempts were ceased and account was deleted from my credit. I see that now those very same XXXX XXXX XXXX accounts have now been sold to Enhanced Recovery Company in an attempt to say these accounts are mines again. The account are in the amounts of {$830.00} and {$610.00}. Please provide me with proof that these accounts belong to me with a signed contract or cease collections on both these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I filled bankruptcy in XXXX of XXXX. 

My mortgage pymts are {$2000.00} my trustee pymts are {$580.00}. 

XXXX of XXXX my car went into the shop and I had to pay XXXX to get it fixed which I got behind on my mortgage pymts. 

I receive notification from my mortgage company wanting the courts to remove the automatic stay to proceed with foreclosure on my home. Which Ive been paying every month with the exception of being short $ XXXX. 

My Bk attorney sent me the payment arrangements they are wanting me to pay to catch up my mortgage which included their attorney fees. Which brings it to XXXX and they are wanting me to pay {$870.00} additional to my already {$2000.00} mortgage payment and {$580.00} Bk pymt for 12 months. I told them I can afford {$500.00} amonth along with my income tax for 18months. 

They are threatening foreclosure. Ive been paying my full mortgage on time since XXXX. 

I dont want to loose my house and its not like I just totally stop paying.

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 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: TX

Complaint narrative:
Last week I received an alert that I had some new collection activity from XXXX XXXX. There is an account from XXXX in the amount of XXXX. I do not know nor have opened an account with this company. I would really like some type of proof provided to me such as a signed contract that I opened this account. If that can not be provided to me please cease activity and remove from my credit asap. I was not notified of any sort of the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
My mortgage with PennyMac was paid in full on XX/XX/19. The mortgage still shows on my credit report and needs to be removed right away. PennyMac has failed to report to payoff to the credit bureaus timely.

Company response to consumer: Closed with non-monetary relief