vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-13 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: PA

Complaint narrative:
XX/XX/XXXX
XXXX EST 
TALKED WITH A REPRESENTATIVE FROM EQUIFAX ABOUS A FRAUDULENT ACCOUNT OPEND IN MY NAME FRIM XXXX XXXX AND XXXX XXXX. I SENT IN A LETTER TO HAVE THE INFORMATION BLOCKED FROM MY CREDIT REPORT ACCORDING TO SECTION 605B OF THE FCRA. APPARENTLY AT EQUIFAX I WAS TOLD THEY DO NOT FOLLOW THIS LAW AND IT WOULD STAY ON AND SO A 30 DAY INVESTIGATION. WITHOUT  ANY EVIDENCE THIS ACCOUNT SHOULD BE BLOCKED FROM MY REPORT BUY EQIFAX REFUSES TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TX

Complaint narrative:
I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus XXXX  and Transunion remove this collection and they have still not. Please HELP!

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 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I do have a credit account with XXXX XXXX XXXX XXXX which was past due. I do not deny that. However, they have repeatedly called my in laws to collect payment and I do not reside with them and am also (obviously) not blood relatives of theirs. It is my understanding that if they've contacted a "relative" once and established that they do in fact have the proper number and email for me (which they do and it is NOT the same as my in laws) that they are to no longer contact them again. They have done this in the past and I've contacted them regarding the matter. They continue to call excessively. Again, I understand my part in the matter but it is my debt to pay not persons unrelated to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-14 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: TX

Complaint narrative:
I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus Equifax and XXXX  remove this collection and they have still not. Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I opened a Performance Select Checking account with a promotion for {$300.00} after meeting certain qualifications. The terms of the promotion include making a direct deposit {$5000.00} within 60 days as well as 10 debit card transactions within 60 days. I can confirm that I completed these transactions within the 60 day time from of account opening. The direct deposit of {$5000.00} was completed on XX/XX/19 as XXXX  funds, which are funds from an outside agency that pays me. After speaking with PNC, they do not know why the bonus has not been posted and can not give a clear answer. I spoke with multiple representatives and the service and responses were non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: CA

Complaint narrative:
Around XX/XX/2019 I contacted XXXX XXXX about a refinance of our home. They put me in touch with Nations Lending. We had just been through a huge ordeal with another mortgage company. So I called Nations Lending and ended up with XXXX XXXX. I made it clear that we a foreclosure that was a few months away from the seven year period. We discussed loan options and we got a quote over the phone. We were assured that foreclosure was not a problem because it was so close to being over with. We were given an option of a 15 or 20 year refinance. We decided on the 20 year loan at 3.87 % for a payment of XXXX a month. The paperwork we were sent was not even close to what we were quoted on the phone. When I told them I wouldn't sign the initial documents XXXX XXXX said it didn't matter " Only the final documents mattered. " Then things went downhill fast. We went from being told the underwriters said everything is going great. We should be closing very soon maybe a week or two. To XXXX getting a really bad attitude. So I contacted the person that was his supervisor XXXX XXXX. I informed her what was going on. XXXX said she would find a loan that would work for us. When she called back she said the " Only loan " she could offer us was a thirty year loan. This new 30 year loan was going to be way more than the 15 year loan choice they gave us at the beginning of this nightmare. XXXX said no reputable company could even make the loan we were quoted by the first company ... But the strange thing is the loan we were told about on the first call with Nations Lending was only about {$10.00} a month more than the first company. I sent her an email saying this whole loan situation sounds to me like a " Bate and switch deal. And no thank you. Now they send me a letter of credit denial, termination, or XXXX. With the box under Credit portion, garnishment, attachment, foreclosure, repossession or collection action or judgment, box checked. We told Nations lending NO and now they are sending us this letter that they are refusing us. This is a case of them trying to stick us because we wouldn't give into unethical business practices.

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 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Had a promotional balance of {$550.00} at 0 % APR and a revolving balance of {$180.00} at 22 % APR, and their policy is to pay off the balance with the highest apr first, and they didn't do that. Instead they are continuously sending my payments over the minimum {$35.00} ( {$230.00} in XXXX. ) towards my promotional balance and charging me interest on my revolving balance. 

Not only that, their customer service just talks you in circles and ignores the problem at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: WI

Complaint narrative:
I was notified through my credit monitoring service about 3 hard inquiries on my credit report. The dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2019. These were not authorized by me. The inquiries were all from XXXX XXXX  for a XXXX credit account. I called this company on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. I also received letters from XXXX XXXX  for each incident stating " we regret that we are unable to approve you for the service at this time for the following reason, Risk of Invalid Identity ''. I put a fraud alert on my credit XX/XX/XXXX. I attempted to dispute these inquiries on line with the credit reporting agency EQUIFAX. Within 48 hours EQUIFAX replied with " inquiries are a factual record and they can not change that ''. I had detailed the above in my dispute. I had asked XXXX XXXX  to send letters to the credit bureau which they said they would and it would take 30-60 days. I asked for a copy of the letter and was told they would not send me a copy. These inquiries have affected my credit score and I would greatly appreciate some help resolving this. I have spent 7 hours on the phone with this bank and time with Equifax and am tired of getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Company at fault : Shellpoint ( Mortgage Servicing ) My mortgage was recently transferred from XXXX to Shellpoint XX/XX/2019. In the first billing statement Shellpoint applied a {$15.00} surcharge. According to the company it was a house inspection verifying the existence of property. I did not receive advance notice, consent to this charge and it is not a part of Mortgage Servicing standard agreement. This charge is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
First I should not have been on the plan to make payments via XXXX   XXXX. The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to XXXX  XXXX  my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via XXXX  XXXX   ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit. The Post marks on the receipt should be the determining factor. If i had mailed the payment and it was post mark the XXXX, Carringtons practice is to use the post mark date as I have been instructed by Carrington mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I placed a freeze on my report in XXXX with Equifax. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago. 

In regards to both Equifax and XXXX when I submit a dispute sometimes they rule in my favor and remove the account sometimes they dont but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they dont belong to me. If they can not provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that cant even be verified as theres only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Repeated daily calls. My phone has rang up to 6 times per day even when the collection agency has left voicemails. We have received excessive calls even when asked not to call so much and I receive excessive calls all day. This company has a call center in another country that does not know our collection laws which they admitted and stated they can call aLL DAY IF THEY WANT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
For my old BB & T account XXXX, every month between the XXXX and XXXX there was a charge around $ 2,600- {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back.

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 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I placed a freeze on my report in XXXX  with XXXX. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago.

In regards to both XXXX  and Experian when I submit a dispute sometimes they rule in my favor and remove the account sometimes they don’t but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they don’t belong to me. If they cannot provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that can’t even be verified as there’s only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been working on fixing my credit score being wrong almost two years having wrong information appear, disappear & reappear?! 
I put security alert & freeze & XXXX XXXX opened two accounts in my name? I have XXXX  & i was not protected! 
I began by using transUnion who is removing the negative after Sending them a copy of FTCs letter deeming me a victim along with everything listed on FTCs Recovery Steps! 
On Friday XXXX after getting redirected until XXXX XXXX XXXX, - I began at XXXX XXXX - XXXX, the department connectected me to internet help & specialized Deparemt who tried to swindle me out of {$25.00} telling me I dont have an account & it will cost money to get an account! When I said that doesnt sound right and no, she told me, this is a prank caller so im hanging up ..! A worker in the online specialized department for TransUnion Is Directly part of the our global problem of fraud represent TransUniin!?

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 2019-12-14 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: CA

Complaint narrative:
Transunion is not reporting correctly again. They just changed my account for XXXX XXXX to 30 days past due XX/XX/XXXX and XX/XX/XXXX and both of those payments were correct. I have all information documented with payments and amounts. I filed a complaint and dispute about XX/XX/XXXX and XX/XX/XXXX and then Transunion responded from XXXX dates which was not even in question and fixed last year. 

The only past 30 from XXXX XXXX was XX/XX/XXXX payment. Which was paid and XXXX and XXXX were on time and account current then which I have given specific proof on. So instead of deleting the XX/XX/XXXX past 30 days they changed and made XX/XX/XXXX and XX/XX/XXXX as current but then posted that XX/XX/XXXX and XX/XX/XXXX payment past 30 days which were not at all. I spoke with XXXX XXXX at XXXX XXXX and transunion and XXXX XXXX need to be held accountable for incorrect reporting which just dropped my score 22 pts and is FALSE REPORTING I am getting sick of XXXX and Transunion not fixing the issue. I have zero other past dues on anything on my credit report and have had so many issues with Transunion not fixing and wasting my time. I will seeking legal action if not fixed in next 20 days to correct and Current for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and they also report incorrect balance and loan is current for XXXX XXXX payment due which I have paid online already/

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