vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX XXXX  XXXX sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX  Closed XXXX XXXX   XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with Beneficial which no longer exist and I took a second loan out to pay the date with Citifinancial and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. Citifinancial Servicing I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with Citifinancial. My home was foreclosed XX/XX/XXXX. So homeless and no where to go with my XXXX children. I found a realtor to help my find a home to rent. Citifinancial wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. Citifinancial paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from Citifinancial only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-31 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-07-31 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 cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to Hunt & Henriques Attorney at Law, my response to H & H is in response to H & H response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office H & H should receive my certified response and evidence within two business day as of today XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}

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 2020-07-31 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, XXXX, and TransUnion they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of 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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on Equifax, XXXX, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: OH

Complaint narrative:
I have attempted to login to Equifax 's website multiple times for the past year. I have called, emailed, attempted to reset passwords but have never been able to access it. Equifax probably keeps me out on purpose to depress those on financial recovery or possibly due to racist reasons, since I'm a white woman ( yes, white people are discriminated against too ). Anyways, there is a fraudulent account posted on my Equifax credit report. The account shows on my credit report as " XXXX XXXX XXXX '', Date Opened " XX/XX/2020 '', and {$800.00} balance. There is no payment history listed, no comments, and the account type is blank. I did not open this account and have no knowledge of it. It appears to be a fraud or an attempt at theft/invalid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I have written a formal letter disputing a debt on my credit report placed by a collection agency called Merchants & Medcal Credit Corporation , Inc asking for LEGAL and VERIABLE evidence of a debt belonging to me. 
Merchants and Medcal Credit Corporation , Inc responded to my dispute letter with a bill claiming that this debt is mine. I responded requesting for this item to be removed as a bill is not a form of debt validation, and the proof had to bear my signature. 
Since the second written dispute letter, Merchants & Medcal has decided to bully me with a response stating proof has been provided and they will not respond to anymore of my letters asking for proof nor will they remove the debt that they have not verified. This serves as my FORMAL COMPLAINT as this company is willfully breaking the law and violating my rights as a United States Citizen who has a right to dispute debt and ask for copies of LEGAL DEBT VALIDATION, per the Federal Trade Commission and the Fair Credit Reporting Act. 
Please provide me with a written correspondence of the outcome of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I feel as if I was in involved in deceptive practices with chase Bank credit cards. I reached out to chase on XX/XX/XXXX trying to find resolution to my account. My account fell behind due to loss of income then covid 19 happened! The first representative offered me a liquidation program. This consisted of me paying {$530.00} to bring my account up to date. Which was stated by the first representative. Then I spoke to another representative and they said that the information I received was inaccurate. Then I was told that if i pay {$530.00} and a monthly min payment of {$170.00} that it will not bring my account up to date that its just reducing the cycles I was behind. Then I received a letter correspondence saying that all I have to pay is {$170.00} to be entered into the program. I called back to discuss the letter then I was transferred to a credit specialist who states if I infact pay the {$530.00} that it will definitely be reported up to date on my credit report. Lastly I was transferred back to a young lady who stated that my account would not be up to date until i pay {$540.00} and complete 3 payments of {$170.00} at that point my account would be up to date! At this point I don't know what to believe I feel their is deceptive practices happening and I would like this account to be removed from my credit report all together!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit card account with Capital One, on XX/XX/2020, days before the due date, I summitted a payment to pay off the balance, unbeknown to me, Capital One, a week later on XX/XX/2020, had continued to charge me with an interest fee on the paid off balance. This charge lead to Late Fees and more Interest Fees for three consecutive months. 
After calling Capital One to resolve the matter, the wrongly charged fees were waived, but they offered no explanation for the mistake, nor any reinsurance that this type of incident would not occur again. 
My complaint is, why was this error not corrected by the bank, and therefore avoiding damage to my credit score, before me having to call them on a matter that is self-evident, and is this a common practice with Capital One, charging interest fee on the previous months balance for their monetary gain.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank had sent me a letter regarding one of my accounts which is in good standing. I have several accounts with them and the information on the credit report is wrong. They closed this account and XXXX is the reporting agency. I spoke to a supervisor who I told I was verbally abused by a male representative. He upset me to the point where I was nervous about my other Synchrony Bank accounts. She said she would look into it and I might receive a letter from the credit agency about what's listed on my 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 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
These debt collectors are stating that I have an collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a mailed statement from Bank of America showing interest only due of {$100.00}. I paid off the balance by phone after I specifically asked and was told by their representative there would be no additional fees or interest charged with the amount that I provided as my pay off balance payment. 

This has happened previously with balance payoff in that an additional statement arrives with interest due. In our experience there is no way to payoff the interest in this form as the interest incurs additional interest, and the cycle never ends. As such I specifically asked the representative to help ensure the final payment was the complete and full payoff amount and that no additional charges would be made against me in any form.

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 2020-07-31 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: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?

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 2020-07-31 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: ERC
State: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN ENHANCED RECOVERY COL ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO  SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible

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 2020-07-31 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible

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 2020-07-31 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. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
Lexington law has sent me a letter stating that I could do have service again I called the XXXX number on the letter I received. I called the number on the that was on the letter and I processed a new issue with Lexington law and they told me that in a journey I close my account. I'm just putting this issue is her contradicting their statements from the letter and what their product issue is and I'm very dissatisfied with what's been going on.

Company response to consumer: Closed with explanation