vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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:
I Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received credit score alerts from EXPERIAN. Recent score alerts sent on XX/XX/XXXX and again on XX/XX/XXXX (twice). For no reason at all my score dropped 28  points! This should be illegal! Nowhere in there section as to why scores would be negatively affected does anything apply. Literally every month my score changes and drops extremely from the current score for absolutely NO REASON!I do know that once CFPB gets a response from this agency that you close the case and that in itself is shameful as no matter what the agency says, nothing happens! YES, I am EXTREMELY upset as it has taken me a very long time to clear out my credit for things for the most part was not mine. Now, for NO REASON they lower my score considerably and with NO explanation! This needs to be stopped and stopped immediately!

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 2019-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX • The bankruptcy was discharged in XX/XX/XXXX - when I began to review my credit report to make sure that all of my accounts were documented correctly I noticed that there were two accounts listed for XXXX XXXX XXXX. I only had 1 loan with XXXX XXXX XXXX not two - so that caught my attention, as I have had some identity theft concerns. However, my bigger concern was that the status for one showed “Debt Included in Bankruptcy “ which is correct as XXXX XXXX was included in my Chapter XXXX and the other XXXX XXXX XXXX account shows “ Charged Off “ with a first report date of XX/XX/XXXX. That’s 3 years after I filed for bankruptcy .. so I called both Experian and XXXX ( who more then a month later has yet to even acknowledge my dispute or sent me the credit report I requested over the phone.) Experian however filed a dispute sent me a copy of the results which now shows that disputed XXXX XXXX XXXX account was charged off in XX/XX/XXXX which is still after I filed for my bankruptcy in which XXXX XXXX was included as well as egregiously different then the date initially listed on my credit report .. XXXX XXXX XXXX changed my account number and then sold this debt to another company after it had been included in a bankruptcy • and then listed it incorrectly as a Charge Off on my credit report. The amount in question is $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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I talk to a unknown representative around XX/XX/2019. She refused to confirm name and why she was reported negative accounts on my credit bureau report when her company is not bonding to collect debt in the state of Texas. The unknown person hung up when I advised her that she was illegally reporting a debt on my credit bureau report. This company in questioned named Credit System has 3 different accounts on my credit and they're not legally bonded to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi,The person from XXXX came to fix the hard drive to us on XX/XX/2019. From the next day of his visit, my XXXX account was hacked by someone. Someone hacked our XXXX account and our identity and then started to use our accounts and made a XXXX XXXX, opened new checking and savings account. We filled a case with XXXX, Police station and added our account to https://www.identitytheft.gov/, Credit report and so on. We took all necessary actions and still, he's using accessing our credentials, I want to catch the person. But I don't know how to do. We have some information about him, I don't know how to track him. Please do the needful. XXXX XXXX Taken in my XXXX XXXX XXXX. Transferred to a savings account and transferred to his XXXX, then created he created new bank account on XXXX XXXX in my name and used this account for making a transaction. Also tried to open a account on XXXX with XXXX XXXX, it got rejected because id mismatch, he has used our old state id. later he changed our mailing address in USPS as per our old ID to use for further transactions, after changing the ID with a previous address he opened one new account with XXXX XXXX.We registered Identity Theft with XXXX on XX/XX/XXXX.But the recent transaction happened on after XX/XX/XXXX with 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019, I shopped at XXXX XXXX retail store at XXXX XXXX XXXX XXXX Texas XXXX  As I was checking out I was offered to sign up for a new "rewards" program.  I was misled - this was in fact a credit card application.  I had no intention of signing up for a store credit card and I paid for my purchase with my XXXX XXXX  Visa.Since XXXX XXXX, this store has tried to open a credit card account 2 more times in my name.  I have contacted Synchrony Bank, which issues the card, to notify them that this application was unauthorized.  I have filed Fraud Alerts with the 3 major credit agencies.I believe XXXX XXXX. is guilty of unfair credit practices and I would like the FTC to investigate this claim.  I don't want anyone else to be a victim of this type of fraud.

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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank noncompliance with levy. Now Citibank is Liable for the full judgement in the amount of $XXXX. I filed form EJ-130 with the XXXX  Sheriff back in XXXX and first Citibank was giving the XXXX Sheriff department a hard time and requesting extra documentation and that was faxed on XXXX XXXX containing seal information however it is now XXXX XXXX  and Citibank has failed to comply with § XXXX requires Citibank to respond within 10 days XXXX Sheriff made their request. XXXX & XXXX  from Citibank lied to XXXX  from XXXX  Sheriff onXX/XX/19by saying that they were expediting levy on case number:XX/XX/XXXXXXXX, they gave another fax number XXXX and said that it would be "rushed" but this was a lie Citibank is not complying with the levy request from XXXX Sheriff and now I am asking for the full amount of the judgement from Citibank because of their noncompliance.

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My name is XXXX XXXX... Chase please send me my credit card agreement associated with this account. Please note that I would like view and request the arbitration process associated with this account. Please note that Chase does not have the right to sue me as per my card member agreement this agreement has a arbitration clause.. which indicates "if either your or we choose to arbitration, neither party shall have the right to litigate such claim in court or to have a jury trial". No court has legal jurisdiction over this card agreement. Please move forward with giving me more information. Once the process has been requested I will then give you my attorney's information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
This is related to Experian Account Freeze.1. I do not know who and when someone put the account freeze on my SSN.2. I called them the whole day (10+ times) but only got automated system.3. then tried to get to website to unfreeze my account. No help, but at the end asked if  I can send many documents physically to their postal address (which will take many days to get my credit unfreeze)4. I called them again as i needed my credit freeze lifted today itself,  but again automated phone message they told me I can get the unfreeze online today itself and i need to goto website (circling )5. Issue is I can not talk to anyone in experian. I did not place the freeze, someone is playing with my credit and experian is taking too long to respond. there is no email contact and no phone where you can talk to any human person.Result: my niece was supposed to move to apartment and rental office was conducting a credit check. She could not get the rental and had to spent night in hotel.

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 2019-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
We Paid in full a lease on a car to GM Financial Leasing in XX/XX/XXXX. We constantly keep receiving bills as well as phone calls for taxes due on the vehicle from XX/XX/XXXXto XX/XX/XXXXat which time we no longer have the car. We have given them all documentation as requested and still nothing resolved for months. It is affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Franklin Collection Service, Inc.
State: CT

Complaint narrative:
On XX/XX/2019 Franklin Collection services reported a derogatory remark on my credit report for a collection of XXXX dollars. The original creditor was XXXX XXXX. I later learned it was my ex wife who open the account under my name with out my consent. I called Franklin collections to resolve this and get this remark off my credit report because I’m currently try to purchase a house. The told me “ pay the full price and we will remove it or pay partial and won’t take it off the credit report. I was met with rudeness and unprofessionalism. I have told them I had no knowledge of this account to which their response was rude and unsympathetic. I need this removed off my credit report and I’m even to pay a partial of the collection considering the account was open with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Despite all my payments being on time and having thousands of dollars in my escrow account, Mr. Cooper failed to pay my homeowners insurance resulting in it being cancelled. They mailed me a letter saying that they are going to purchase likely expensive insurance on my behalf. My insurance agent said that they claimed to have the incorrect policy number, and he has been reaching out to them to try to get them to pay for over a week and they have not. They did not pay my homeowners insurance from escrow despite sufficient funds, which led to it being cancelled and a lapse in coverage. They also have failed to pay for a new homeowners insurance policy that I was forced to purchase because my old policy was ineligible for renewal after lack of payment. Mr. Cooper has locked me out of my online account and will not speak to me about my account on the phone because it is "under litigation" (likely for building violations that I am resolving with the city and are unrelated to my ability to pay the mortgage).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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:
I check my Credit and I notice Inquiries That I did Not Authorize

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 2019-08-20 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2019-08-20 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo, like all mortgage servicers, does the annual review of the escrow account. Unlike the other 2 servicers in the past, they're the only company that will not allow a lump some payment to increase the escrow to the "minimum required reserve amount" which ofcourse is greatly in excess of what is reasonable or necessary (nearly twice the amount of my annual taxes and insurance). The first year it occurred after my servicing was sold to wells, I made the lump some payment and contacted their service center as was able to get them to leave my fixed payment at the amount it has always been. When I pressed for the reason they made it so hard to maintain the same payment amount if escrow is maintained by the homeowner I was told it results in undue costs to the organization. Since the escrow review has to be done, the only cost it being able to suck up more of the payment away from principle. This was XX/XX/2018XX/XX/XXXX I recieved a letter telling me Wells Fargo will no longer allow me to pay the escrow shortage.I received the notification today that my payments are being raise by XXXX annually, in spite of the fact that my balance has been sufficient and maintained and there has been no increase in taxes or insurance at this 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 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019 home depot/cbna, placed a late payment on my credit report, as it turns out home depot changed my mailing address due to a notice from post office. I was not aware of the change because I was making my payments on line.

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 2019-08-20 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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am being incorrectly charged on my bills. I have called several times and also entered an official complaint, but the letter I received from XXXX XXXX did not offer a valid response as to why I am not getting the correct interest rate. I have enclosed a copy of XXXX  letter and also the contract with the sections highlighted as to why I should be getting Prime minus 0.51% (i.e. Prime minus 0.26% stated in section 6 of the agreement, and minus an additional 0.25% Relationship Discount stated in section 7 of the agreement).The relationship discount is valid under the checking account I opened. This has been a problem since the loan began, and as per my rights under the agreement I deducted the (disputed portion 0.25% charge) while the dispute process was ongoing.•	Letter from Loan Operations Manager says that I am supposed to be receiving the relationship discount yet the math is incorrect. (See copy of letter from XXXX XXXX) (Also see highlighted sections 6 & 7 of the Agreement & Disclosure Statement)•	Using the .26% figure in section 6 of the contract the math is correct, but I am supposed to be getting both discounts subtracted from the prime rate.•	Both sections 6 & 7 of the contract are clearly checked off meaning my rate should be prime minus .51%. So far I have not received a clear explanation as to why I am not receiving both discounts. Additional Issue: Section 21 of the Agreement says that I do not have to pay the disputed amount while a formal dispute is in process. I have highlighted this section in the agreement. Nonetheless TD Bank has marked my credit report as delinquent and it has affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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:
I check my Credit and I notice Inquiries That I did Not Authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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:
I check my Credit and I notice Inquiries That I did Not Authorize

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