vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.

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 2020-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We refinanced our home XX/XX/XXXX and our loan server changed. We have an inpound account. Our mortgage payment was reduced from {$2800.00} to {$2200.00}. In XX/XX/XXXX our new lender advised that our impound account was short and that our new mortgage payment would be {$2800.00}. I paid the shortage of {$3900.00} and my mortgage was reduced to {$2500.00}. At that time I contacted the county assessors office and it was determined that our lender was using a falsly inflated property value resulting in the raise in property taxes and a subsequent increase in my monthly mortgage of over {$600.00}. I submitted the county roll and figures for the lender to review in XXXX after contacting them by phone. I was reassured someone would call me back within 5 business days. After 2 weeks I called again and used the reference # provided. They had no record of this and I was again reassured it was being forwarded to someone to review again. XX/XX/XXXX, I called back due to no reply and was assured my dispute/issue was being expediated and I would hear back in 3-5 business days. I recieved no contact until the XX/XX/XXXX email, wherein I was told they were still working on the issue and again I would hear from them via an email. I called XXXX and XXXX and was greeted by a recorded voice stating that they were experiencing high call volume and to call back later. You are then disconnnected. I sent an email to the customer service person with whom I last spoke and to whom I submitted the county assessors office tax record for my property for their review. To date I have had no reply and no indications from the website that anything had changed. I paid my mortgage on time and at the inflated amount. We refinanced because we needed to lower our monthly payments. It is not okay to be denied information or ignored by this lender. What recourse do I have? Isn't this illegal? Can you help us?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My home was burglarized and severely vandalized and as a result my identity was compromised. On numerous occasions I have filed a dispute stating that and nothing was done EXCEPT from the creditor to continue to bill/negatively report of XXXX  and XXXX  of an unpaid debt that was a result of a crime, as if I haven't already been victimized enough. Please view the attached police report and case number. 

Refer : Deputy XXXX XXXX Station : XXXX Sheriffs Station Phone No. XXXX Case No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Had been out of work due to the COVID and synchrony bank received two payments from an old bank account and they did not clear I was unaware that they had closed the account until one month later I called and I wrote them and I was told there is nothing I could do prior to that I was always on time and never late

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 2020-09-05 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 2020-09-05 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX**** XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I mailed out four dispute letters via certified mail and notarized to verify the collection debt on my credit report. The collections I'm referencing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received responses from XXXX  and XXXX  stating they verified the debt but I have not received any proof of this unverified debt. I have contacted the collection agency myself and asked for validation of the debt which I didn't receive. How is it that XXXX  and XXXX  have verified the debt but I contacted the collection agency directly and failed to obtain verifiable proof? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX   didn't report this collection because it is unverifiable. 

I sent my first round of letters to XXXX  and XXXX  on XX/XX/2020. 
Second round on XX/XX/2020 Third round on XX/XX/2020 Fourth round on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
USBank recieved my PA unemployment benefits and issued a ReliaCard. Despite the fact I had asked for direct deposit th my PNC account. USBank placed limits on how I was able to access my money, making it impossible to pay the bills I am now behind on. USBank refused to work with me on a resolution to relieve these limits so I could use my money properly. USBank has now restricted all access to my money and has become completely unreachable. They have not returned a call they said they would. ( 2 weeks have passed ) and the Usbank automated call center ( XXXX ) hangs up on me after identifing my 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 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX my account was blocked I called customer service and was told my account would be unblocked. I was still unable to use my ATM Card but was able withdraw money at a branch. XX/XX/XXXX I called customer service was told my account is still blocked and they had no information as to why. I was told I would receive a letter in the mail within 5-7 business days of the account being blocked regarding the account. Today XX/XX/XXXX I havent received any letter explaining what is going on with my account and money. I went to the bank the tellers were unable to tell me whats going on with my account and I was unable to touch my money. I placed another call to customer service and finally spoke with XXXX of the security alert department. XXXX told me my account was blocked due to a XXXX  deposit that was suspicious he verified I know where the XXXX came from and the amount and said he would unblock my account. He asked me to try to log into online banking which I could not do. A message popped up that stated my account was blocked for my security. XXXX then told me upon further research he couldnt unblock the account and didnt have any more information for me except for wait for a letter the account is still in review and, once again explaining I should have received a letter within 5-7 business days which I havent. The bank continues to hold my account and money without giving me any answers or letting me speak directly with the department that is reviewing my account. How can a bank keep my money and not give me answers. I have kids, a mortgage, and bills to pay.

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 2020-09-05 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: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have 2 account under my name both individual accounts one was closed and the other charged off. I don't recognize The name of the card company the Acct # say this is mine. The name on my all 3 reports are the same this isn't mine. These account one is from XXXX the other from XXXX. Till I know what this stands for I can't say this is mine. I own only 1 XXXX XXXX   Credit Card, 1 XXXX  and 1 XXXX XXXX mastercard totaling 3 credit cards that should be active on my credit reports. Everything else isn't mine and needs to come off. So till this entity comes to light I will denny this on my credit. I don't recieve mail from this company as it is on my credit report. So if you say your mine I want proff from the USPS,  whom delivered my mail the day the statements were sent out. I want 100 % acquite information from where this acct was open, signature, proff. Not just your word I need action Proff. Paper trail I need answers and I need them Today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Merrill Lynch Rewards+ Visa Signature credit card was closed without any notification on XX/XX/2020. 

When I called a customer service rep on XXXX XX/XX/2020 to ask what happened to my account and why i could not see it online, the representative told me that they had closed my account due to inactivity ; that they have recently instituted a policy where they no longer give customers any notification that their account has been closed ; and that the representative disagrees with the policy and thinks it is bad for customers, but can't do anything about it. 

I believe my card had about XXXX " rewards points '' worth about {$500.00} in cash or {$1000.00} in air travel bookings and these points were reportedly destroyed when my account was closed, without warning.

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 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 explanation
Consumer complaint received 2020-09-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried to validate bankruptcy and none of the bureaus validated or said who is reporting this on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: NV

Complaint narrative:
These accounts are not mine. I did not authorize any of these inquiries to be pulled from my credit. I also don't recognize any names on here as well.

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 2020-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
The servicing company hold money and does not apply monthly payments until it wants and has charged more than XXXX in fees for services. They say no lates so these fees are excessive. I do not know why XXXX XXXX XXXX sold loan to them. But this is very bad service. See documentation for information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried to validate bankruptcy and none of the bureaus validated or said who is reporting this on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried to validate bankruptcy and none of the bureaus validated or said who is reporting this on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: PA

Complaint narrative:
I informed the credit bureau via certified mail that the information was inaccurate. Its showing that the last payment was made XX/XX/2014. XXXX and XX/XX/2014 payment information was ok/current. XX/XX/2014 it was reported 30 days late and then Voluntary Surrendered. If the last payment was made XX/XX/2014 it should not show payment info was ok/current between XXXX and XX/XX/2014. And then 30 days late? This account is charged off/Closed.

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 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I purchased this card from XXXX XXXX about 40 minutes ago XXXX XXXX  XXXX XXXX XXXX ms XXXX to pay cell bill and these people want let me get money off are even activate card so basically they took my hard earned cash ... I'm a single parent with XXXXchidren this is not right somebody help times are to hard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: NV

Complaint narrative:
These accounts are not mine. I did not authorize any of these inquiries to be pulled from my credit. I also don't recognize any names on here as well.

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 2020-09-05 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: NV

Complaint narrative:
These accounts are not mine. I did not authorize any of these inquiries to be pulled from my credit. I also don't recognize any names on here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit
State: TX

Complaint narrative:
Lake City Credit refused to respond to the debt validation letter received on XX/XX/XXXX ( " Lake City Credit Tracking Confirmation Letter1 '' ), so yesterday XXXX, I filed complaint number : XXXX. Today, I received documents as proof Lake City Credit is violating the Texas Usury Law ( " Lake City Response '' ) by placing an extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' WITHOUT validating the amount owed ( {$9000.00} ). 

On the original contract sent by Lake City Credit on XXXX 's behalf it shows a total payoff as {$5800.00} ( price for furniture= {$2500.00} + {$3300.00} total interest ). The records sent also shows a paid amount of {$2300.00} as of XX/XX/XXXX ( last payment ) leaving a balance of {$3500.00} according to the contract which is different than what is listed on page 1 of the document sent by Lake City Credit showing an amount owed of ( {$4100.00} + additional interest of $ XXXX= {$9200.00} ). 

I would like to file a formal complaint because Lake City Credit continues to : 1. Attempt to collect on an account that is MORE THAN 7 yrs old 2. Attempting to collect a debt not authorized or agreed upon 3.  Lake City Credit refused to respond to the initial debt validation letter they received on XX/XX/XXXX ( See attached confirmation of receipt ). 

I tried to resolve this dispute with XXXX directly and was told by XXXX that they do not have any information since my account was sold to Lake City Credit.

Company response to consumer: Closed with explanation