vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has reported late payment on my credit card for the amount of XXXX XXXX as it appears on my credit history. This has greatly damaged my credit score. I have contacted XXXX XXXX to clarify what it means to have a late payment of XXXX ( XXXX ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.

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 2020-12-07 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:
These accounts do not belong to me. please remove! } XXXX XXXX XXXX not mine 2 } XXXX XXXX not mine 3 } XXXX XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX  {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX  {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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:
Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.

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 2020-12-07 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:
Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by BMO HARRIS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein show I have sent 2 cease and desist letter in which BMO HARRIS BANK N.A continue to take money from my account for an alleged debt that is not owed. I am the original creditor and BMO HARRIS BANK N.A . have not verified where the credit came from because banks can not give credit nor loan money. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Exhibits attached show my attempt to collect on my money that I loan BMO HARRIS BANK N.A . but the haven't did so as of XX/XX/2020. Exhibits showing my efforts for BMO HARRIS BANK N.A . to rectify this matter.

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 2020-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Medical Administrators, Inc
State: VA

Complaint narrative:
I paid for a free trial bottle from XXXX  limited king size. Only pay shipping ( {$6.00} ) 2 days later received phone call asking how i was going to pay for XXXX monthly membership. I said just to cancel everything then am not worries about it. Refund my XXXX dollars i paid for shipping on free trial. Im not interested. Called me agian everyday 5 times a day. Tried charging my credit card without my permission. So i cancelled my card to make sure they weren't stealing my money. Now i have a letter 3 months later saying they trying to collect a debt. In wich ive never recieved anything in mail and told gentlemen on phone 20 times to cancel everything. And they still owe me XXXX dollar refund. Now im worried they are going after my credit and hurt it unless i pay them. Tried calling numbers. They provided on debt collection paper. No answer. Left voicemails and no answer. We are in the middle of a pandemic. Money is very tight and yet they still trying to rob me and others if you lookup reviews about XXXX  Unlimited online. They should be in trouble for this. Its a massive SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in XXXX of 2020 i spoke to my mortgage company about what i could do to decreased my payments because due to miscalculations on the escrow my payments went up by around XXXX $ I was given the option for a modification. I was told by several different people from the Homestar company that this would not affect my credit and yet it has been being reported that i have not made any payments My credit score has dropped from a XXXX to a XXXX. I have made all the payments on time and i keep getting the run around about the modification being complete but not finalized. My credit has taken a huge hit from this. I have spoke to several people at Homestar and still cant get this modification finalized or a straight answer. This has been going on for 10 months. I need help and answers please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
About mid XX/XX/2020 I paid off my American Express card and canceled, telling them to cancel everything from that point forward, A month late I recd an bill for less than {$50.00}, they stated it could have been a pending charge so I and paid it but again stated STOP /CANCEL any and all future charges, fees, etc. The balance was again was {$0.00}. Same thing happened again, but I refused to pay as the account was closed. A third call with XXXX  ended badly and they told me it would go to collections. XX/XX/XXXX I recd yet a third series of charges including {$80.00} of late charges, this time a young lady finally went through the process and canceled all, but was XXXX refused to waive the late fees. I feel I have been intentionally scammed. I was told initially when I canceled NO further charges would be incurred. It took a 4th person to do what I was told mid XXXX. They are turning over to collections and my very good credit will be harmed. I believe this is a company-wise policy to deceive and keep taking money from consumers. Could you help? 

American Express # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: OH

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
For some reason, Capital Accounts continues to report to the credit bureaus, that I have an outstanding balance of {$210.00} owed to XXXX XXXX XXXX. However, this bill has been paid since last XXXX, and I am attaching a letter from this collection agency to confirm it. I have been contesting this account with the credit bureaus for months now, but Capital Accounts refuse to report accurate information about this 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 explanation
Consumer complaint received 2020-12-07 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:
On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an Equifax Data Breach. I demand to Delete those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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:
These accounts do not belong to me. please remove! } XXXX  XXXX XXXX not mine 2 } XXXX XXXX not mine 3 } XXXX  XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX  {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments

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 2020-12-07 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:
These accounts do not belong to me. please remove! } XXXX XXXX XXXX  not mine 2 } XXXX XXXX not mine 3 } XXXX  XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments

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 2020-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC
State: NJ

Complaint narrative:
The delay in meeting the contract timeline because they stated they had too many files and not enough staff.

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 2020-12-07 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: IL

Complaint narrative:
Submitted by certified mail identity theft report and request to block certain accounts from being on credit due to identity theft also attached police reports and notarized theft affidavit upon completion they did not block the following accounts : XXXX XXXX XXXX XXXX XXXX Contacted the credit bureau again this time on the phone and I asked for them to correct issue I was told I can not dispute anymore I then told them I put in request to block the info with supporting documentation he put a dispute in instead so once again it was not honored

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 2020-12-07 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: OH

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2020 Filed an dispute with Experian and XXXX  disputing Collection account by XXXX XXXX XXXX XXXX in the amount of {$1100.00} and the second account in {$790.00} I Have NEVER HAD AN CONTRACT OR ACCOUNT WITH THIS COMPANY EVER THIS INFORMATION IS FALSE AND NOT MINE! UNDER FAIR CREDIT REPORTING ACT THIS IS A VIOLATION BY BOTH EXPERIAN AND XXXX! EXPERIAN HAS SINCE REMOVED THE ACCOUNT IN THE AMOUNT OF {$790.00} AND NOT THE OTHER AND XXXX HAS FAILED TO REMOVE ANY OF THEM

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 2020-12-07 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:
Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XXXX. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-12-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.

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 2020-12-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: GA

Complaint narrative:
Stockton Mortgage Company failed and continues to fail to pay our taxes from our escrow account. We called and provided a copy of the taxes to Stockton before the taxes were due. We have called Stockton Customer Service at least once a week since, but Stockton refuses to pay them. It has been close to a month and a half. Interest is growing every day with the XXXX Tax Commissioner. In the meantime, we have continued to pay our mortgage payments on time. We are very concerned about a tax lien on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to KOHLS DEPARTMENT STORE because I am having difficulties with applying for new credit cards. I paid the charged off and do not owe anything, but the marks in XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting KOHLS DEPARTMENT STORE to remove this charged off from my credit reports as a gesture of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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:
On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an XXXX  Data Breach. I demand to Delete those accounts or I will file litigation.

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 2020-12-07 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:
On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an XXXX  Data Breach. I demand to Delete those accounts or I will file litigation.

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 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have updated letters describing the issue. A fair resolution to this issue is 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