vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received my EDD BofA card # XXXX I activated it & then put extra security features on my account then I received email saying did you just report your card stolen I said no but they reissued anyway XXXX that happened 2 more time then my address was changed to # # # # XXXX XXXX? ? I also confirmed that I didn't do that they changed my info & sent my card elsewhere but now I have no card no money no more patience I'm being short because I just lost everything I typed & my baby is crying now please contact me I will explain better please XXXX XXXX DOB XX/XX/1979 XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX EDD BofA account now my account is now closed I have nothing

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 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
I called the company and told them the debt isnt mine and I disputed it. This debt was removed and then put back on my credit in order to drop my score in which the did by 30 points. They then begin to report it to the credit bureau as if I was on a payment plan stating that I missed my first payment updating my report every two weeks. I stayed to them that its against law to put a collection on and off ones report in order to damage their credit and I also to them that they are falsifying information as if they is a new account and reporting missed payments as if I made payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
Mortgage company claims to have paid {$400.00} for my homeowner 's insurance from my escrow account on XX/XX/2020. My insurance company claims they did not receive it. In trying to get the situation resolved, the mortgage company just sent another {$400.00} from my escrow on XX/XX/2020. They did nothing about the original check, and I never authorized them to correct the problem by just taking an additional payment from my escrow account. As a matter of fact, on one of my calls I specifically told them not to do that, for fear of not getting the money back. Now I am out an additional {$400.00}, no one knows what happened to the original check, and my escrow account is short. The mortgage company refuses to cancel the original check because it is a bulk check, but my insurance company has no record of the check with the dollar amount specified or check number as ever having been received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: PA

Complaint narrative:
I have disputed this XXXX credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what XXXX is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through XXXX, TransUnion, and XXXX  and XXXX in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.

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 2020-07-16 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: PA

Complaint narrative:
I have disputed this XXXX credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what XXXX is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through Experian, XXXX, and XXXX  and XXXX in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.

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 2020-07-16 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: GA

Complaint narrative:
I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: GA

Complaint narrative:
I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$4000.00} XXXX XXXX {$590.00} XXXX XXXX {$500.00} XXXX  {$0.00} XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: GA

Complaint narrative:
I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
This is the fourth time I have disputed this. I have not received or heard anything from AARGON Agency. The credit bureaus responded by saying verified. HOW! When this was XXXX in bankruptcy. Transunion indicates balance XXXX and the account status paid. XXXX  indicates the balance is {$290.00} and the account status is derogatory. XXXX  has not reported in the comments chapter XXXX bankruptcy. It appears per the credit report that this company is still trying to collect on this debt. Also, the date of the last activity is completely off and not reporting accurately. Per the FCRA my rights have been violated because this is not reported accurately or Fair.

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 2020-07-16 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In Late XX/XX/XXXX, i requested my report from Equifax, XXXX  and XXXX. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. XXXX  confirmed receipt on XX/XX/XXXX and Equifax confirmed receipt on XX/XX/XXXX. I received correspondences from both Equifax and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. XXXX  confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And Equifax confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to 1000 per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2020-07-16 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:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2020-07-16 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: Conn's, Inc.
State: TX

Complaint narrative:
XXXX Submitted dispute ( # XXXX ) with XXXX regarding Negative Charge Off information on my credit report through XX/XX/XXXX. The status " Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX '' listed on my credit report is inaccurate. The status should be included in bankruptcy filed XX/XX/XXXX and discharged on XX/XX/XXXX XXXX XXXX notification that the dispute " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XX/XX/XXXX ; Called ( XXXX ) XXXX to discuss with company. Transferred multiple times within the company. They were clueless and did not know what to do or who to call for the issue. Finally, I found XXXX in Conn 's recovery who told me to call my lawyer for a case that has already been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I looked at my XXXX  credit report and noticed a collection account on there from Receivable Performance Management LLC. I sent them a debt validation letter because I thought it may have been a mistake since I didnt get a notice or a phone call. On XX/XX/XXXX, they sent me a notice and an offer to settle which I should have got before they reported to the credit bureau. I called them to settle the issue. All they tried to do is make the debt out to be mine. They were supposed to email me a fraud letter but I never got it.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY

Complaint narrative:
I paid for a cruise with my TD visa card. 
The cruise was interrupted and returned to original port ( XXXX ) I had additional cost {$7400.00} for airline back to XXXX  as the cruise was to end in XXXX and our tickets from XXXX to XXXX were unrefundable. 
Paid with TD visa {$6500.00} XXXX XXXX Visa paid me {$5500.00} on XXXX XXXX and retrieved from my Credit card account {$5500.00} on XXXX XXXX I called to find out how they did this without my consent, they advised that I did not respond to information requested. 
We moved back to XXXX because of the Covid 19 and did not get the mail or telephone calls, as they left all messages in my XXXX  home. 
When I called to explain, they said the case was closed. 
I immediately faxed all the information I thought they would need and asked for them to open this case as I never received any request. 
I have thusfar faxed 4 other times asking to repay my claim with no success. 
my claim was for {$6500.00}, but now am questioning if I should also claim the additional {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had a commercial account with TD Bank under the name of XXXX XXXX  XXXX in XXXX, VA. About one year ago I tried to use my debit card to make a deposit and I found out I was locked out of my account. 
When I went in to complain I was informed that I would be hearing from the fraud department. After many visits to the bank and sending emails to them through their online system I have never received a response. 
In the mean time I was unable to use my account and they continued to drain it for monthly service charges. Finally i received a letter from the bank telling me they were going to turn my account over to a collection agency for being overdrawn. When I call ed the number on the letter they informed me that they could not do anything because I did not have my debit card any longer. When I asked to speak to a supervisor they informed me that they would see if he would talk to me. After 5 minutes they hung up. 
I went to my branch to get the number of my account only to find out that the branch is closed because of the virus. 
I found a number for the branch and called it and they told me that they would look into it. The called me back and told me that they dropped asking the debt collection to not bother me and said they were going to close my account. I asked why and they could not give me any answer. Can you please look into this and tell me what happen and why their fraud department never got back to me.

Company response to consumer: Closed with monetary relief