vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
The 3 Credit Bureaus, XXXX, XXXX, & Equifax are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
The 3 Credit Bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

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 2020-08-18 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from XXXX XXXX who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o FASA who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with Transunion and have a file # XXXX thus far XXXX XXXX has not responded. Using the account number from them XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan. XXXX also confirmed that they only have XXXX and has no knowledge of XXXX XXXX and according to their records it appears that XXXX XXXX maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.

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 2020-08-18 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with Navient. I continue to get mail from XXXX XXXX who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o FASA who confirmed that the loan in question is in fact in good standing with Navient. I also filed a dispute with XXXX and have a file # XXXX thus far XXXX XXXX has not responded. Using the account number from them XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under Navient for a few years and there can not be 2 lenders for 1 loan. FASA also confirmed that they only have Navient and has no knowledge of XXXX XXXX and according to their records it appears that XXXX XXXX maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Alliance One, Inc.
State: LA

Complaint narrative:
AllianceOne the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$1300.00}. AllianceOne is in violation of Title 15 USC 1693e. ( 1 ), ( 2 ) ( a ) ( b ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AllainceOne may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a three day lift ticket for three adults and one junior from XXXX XXXX/get ski tickets in the amount of {$450.00}. We were scheduled to redeem the lift tickets on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, Governor Polis of Colorado issued a mandatory closure of all ski resorts. We were forced to cancel our trip secondary to COVID-19. I contacted the merchant directly in an attempt to get a refund for the three day lift ticket. After unsuccessful attempts with XXXX XXXX/get ski tickets, I disputed the charge on my capital one credit card on XX/XX/XXXX. On XX/XX/XXXX the credit card company rebilled me for the amount of {$450.00}. The credit card company informed me that the merchant, get ski tickets/XXXX XXXX responded to the dispute and issued me guaranteed smiled vouchers with a two-year expiration for the lift tickets to be used at a later time. I was never issued any vouchers from XXXX XXXX or get ski tickets. I responded to the dispute with a 20 page document indicating all the attempted communication with XXXX XXXX/get ski tickets as well as a detailed letter to Capital One. I was told by capital one that I had insufficient documentation and the dispute was closed. I was re-billed in the amount of {$450.00} despite never receiving the vouchers as promised by XXXX XXXX. I submitted a complaint with the XXXX XXXX XXXX with no response from XXXX XXXX or get ski tickets. I also contacted my local news agency, XXXX action news, who attempted to obtain the vouchers from XXXX XXXX/get ski tickets without success. I would like the charges of {$450.00} refunded by capital one credit card as I never received the vouchers per the resolve dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I keep receiving calls from this XXXX in an attempt to collect a debt which they state they have acquired from Check N Go. This credit collection company states that there is a pending legal matter being filed. I simply ask them to verify the validity of the debt, by sending me information on when they acquired the debt, what was the amount of the debt, and accompanied dates. And they state that they can't provide the information, and that I will only get that information when we go to court. They continue to call my cell phone, and other family member cell phones multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX I spoke with a representative at Equifax regarding the reporting of inaccurate and undeliverable addresses being reflected on my credit report. Subsequently a dispute was filed. The following dispute results were mailed to me reflecting the addresses were deleted. *see attached document* When I pulled my credit report yesterday ( XX/XX/17 ) they were still on there. I have contacted Equifax again and they provided me with no assistance in removing what they were supposed to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: NY

Complaint narrative:
I have a recent hard inquiry on my credit report from XX/XX/18. I did not authorize this and specifically told the representative I did not want my credit pulled. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NC

Complaint narrative:
My problem does not really fit any of the previous categories. I have had an EXCELLENT credit rating for decades. TransUnion decided to drop by score more than 110 points based on their perception of my available credit and cash.

1. I pay off all my credit card balances in full every month, with one exception 2. I have an {$30000.00} 18-month no interest platinum card with XXXX. I have been using that as a credit line for my new business. The minimum payments are made every month. And some months, I pay it down from $ XXXX. 
3. They decided that my % of balance to available credit was too high. I have no incentive to pay off a 0 % interest credit card until the interest begins in XXXX. We will be paying it off in full in XXXX, so we don't incur interest. This makes great business sense, but who knew utilizing your great credit score to obtain money, could ruin your credit score!

4. I have had a no limit credit card with XXXX XXXX, since the late XXXX 's and can easily borrow {$100000.00} from them today. So my credit balance to available credit is quite low and not high, like they perceive. 
5. I have worked hard all my life. My net worth is well over a XXXX dollars. My husband and I have almost a XXXX  XXXX with XXXX XXXX, including {$45000.00} in a money market that can be used to pay any credit card or emergency. We own close to XXXX XXXX in property, including our waterfront home and waterfront business, free and clear. 
6. I have tried contacting them. I called today. It just said Press 1 for English and 2 for Spanish, 3 times and then said sorry you are having difficulties. Call back later. I pressed 1 for English all 3 times and it would not connect. 
7. I tried reaching out online and now I'm getting a solicitation today to sign up for their credit monitoring, which of course, they want me to pay for. 
8. I'm a senior citizen and feel like I am being discriminated against because of my age. They have decided after all these years of great credit, I'm a high financial risk. That is ridiculous. 
Any help to restore my credit score would be greatly appreciated.

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 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a complaint with CFPB regarding the inclusion of XXXX in the Public Records section of my Trans Union report. In response to that dispute, Trans Union now has two XXXX accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to XXXX and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/2020. The new entries on my credit report, which caused my score to drop XXXX points, are dated XX/XX/2020. I have until the XXXX of XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX XXXX Pre-trial Center phone number:XXXX Called me on XX/XX/XXXX and notified me of an overdraft debt to Us Bank from XXXX. 
talked to a nice lady she notified me of the debt and I said I would call her back. I called Us bank imminently afterwards and they can not pull up the debt, and are not perusing the debt. I called the collection company back and request written notice of the debt and they gave me my address and the past 2 addresses I've lived at and said I have already been notified in the mail. ( Which I have not ). I  then asked for them to verify the debt with us bank and he basically refused. I also told him what us bank told me about not being able to access the account since its been 13 years. he went on a sepal about thats because the debt was sold. again i asked him to verify the debt he said he did not need to and that they will see me on Friday when they serve me for defrauding a financial institution. I again asked them to get a hold of us bank and he went on a tangent and i said Fine go ahead and sue me because in Ohio the statue of limitations on suing for debt is 6 Years he incorrectly said its 7 years. the debt is from 13 Years Ago! they did not even give me the amount owed.

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 2020-08-18 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX   XXXX {$490.00} XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX {$480.00} XXXX   XXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX XXXXXXXX {$760.00} XXXX   XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Nelnet, Inc.
State: AR

Complaint narrative:
Hired XXXX XXXX on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : department of education/Nelnet. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and department of education/Nelnet XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX incorrectly reported my mortgage as being in forbearance. We never requested forbearance, and all of our payments have been on time. This ruined our refinance and now they refuse to even provide a letter correcting this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America discriminating and withholding changing accounts for me and neglecting to dispute unauthorized charges done electronically to my account months ago and have a police 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 2020-08-18 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: SC

Complaint narrative:
My name is XXXX XXXX Soc Sec # XXXX. 

The account is with XXXX XXXX Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX sister. I co -signed for my XXXX sister to get a car previously with XXXX XXXX XXXX that car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with XXXX XXXX ( this below info ) I did NOT sign any documentation for the new car my XXXX  sister obtained the above loan on her own. 
I have asked XXXX XXXX to remove this account from my credit report, to date it has not been done.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My old loan transfer to a new co.. In XXXX of XXXX.I pay my first payment, XXXX. In XXXX. I have call and call no answers. I got my bank involved. Bank said it was cash on XX/XX/2020. I also had a 3 way conversation with the bank plus the mortgage co. I still have no results. It has been 4 months. Customer service has no facts. Waste of time. It is XX/XX/2020 still trying to get my mortgage up to date. The payment I made in may is for my house payment and nothing else. If they put it some place else they should let me know by a letter.

Company response to consumer: Closed with explanation