vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 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:
Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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:
Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
This is regarding the account I had with XXXX XXXX XXXX XXXX, account # XXXX. My regular monthly billing for the internet service was {$30.00} which I paid diligently. One fine month my bill increased by {$55.00} to a total of Appx. {$87.00} ( just for internet service! ) without any contract notification to me. I called them to rectify the ghost billing, and they said that there is now increase to my billing amount ( without notifying me and giving me the opportunity not to renew their services with them ) and that I had to pay that extra amount. I disagreed to that and Paid them the {$30.00} that I was actually obligated to pay. I also cancelled their services and returned their equipment to the nearest service center I had three phone calls with XXXX XXXX XXXX to resolve this. I also notified them on 2 separate call that I was also receiving separate ghost billing with a different name ( XXXX XXXX ) to my mailing address. XXXX XXXX XXXX acknowledged that it was a case of fraudulent identity theft. 

XXXX XXXX XXXX did not rectify the ghost billing. They sent the {$55.00} amount to a collection agency called SEQUIUM ASSET SOLUTIONS, ( XXXX ) XXXX who did not notify me of any collection via Mail, but placed a claim notification with XXXX. Now my credit score is negatively impacted for no fault of my own. 

I want to lodge formal complaint against XXXX XXXX XXXX XXXX and Sequium asset, for harassing me for bills that I do not owe. They need to be penalized for creating undue financial misery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: FL

Complaint narrative:
DEPT OF ED/NAVIENT has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The basis of this complaint is that Citi credit card did not proceed with a dispute against fraudulent transaction I had through XXXX but ultimately paid for with the Citi card. I provided information to Citi after searching this scam and is now a very prevalent scam but Citi still refused to even process the dispute. I will detail the situation in greater detail below but the general scam is to send a 2 cent plastic piece to say sent the item versus sending the item paid for. Due to this and technically the basis for dispute is the incorrect item was sent but this is the basis they rejected. 

I ordered XXXX XXXX XXXX  on from XXXX  and my credit card was charged {$52.00} by XXXX. I did not receive any order confirmation except of XXXX receipt and then shipping notification with tracking info. On XX/XX/XXXX instead of the XXXX XXXX XXXX XXXX XXXX I received a tiny package with a piece of plastic/button inside ( the same tracking number which was in XXXX system, photo is attached ). After filing a dispute via XXXX the seller stated that I must return this piece of plastic to XXXX although their website provided a Florida address but it was necessary to send it to XXXX to get a refund. The seller 's web site shows the same return shipping address in Florida and also has US phone number which is actually out of service. I searched on the Internet and found out that other people who bought from this web site were scammed the same way - ordered expensive items and received pieces of plastic instead. The name on the web site does not match the name in XXXX XXXX ( Return Policy and order information with the seller 's info are attached ). 

This is information on the website : Send all returns to : XXXX XXXX XXXX, XXXX, FL XXXX, United States. 
Recipient : XXXX XXXX XXXX Email : XXXX Phone : XXXX This is seller 's info in XXXX XXXX : Seller info XXXX Return shipping address XXXX 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 explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: WA

Complaint narrative:
LexisNexis is a consumer reporting agency that sells a variety of types of reports about consumers. Two of LexisNexis ' types of consumer reports are called CLUE Property and CLUE Auto, which contain information about a consumer 's property insurance and auto insurance claims history, respectively. The CFPB is aware of these reports : https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/comprehensive-loss-underwriting-exchange/ In prior years, I was able to obtain my CLUE Auto and Property consumer reports for free annually from LexisNexis as required by federal law. This year, LexisNexis has changed their consumer report web site. The new site at https : //consumer.risk.lexisnexis.com provides a web form for requesting a full consumer disclosure from LexisNexis. 

I requested my full consumer disclosure from LexisNexis using this web form on XX/XX/2020. LexisNexis recently provided me my consumer disclosure in response to this request, but the disclosure did NOT include my CLUE auto and property reports as expected. The disclosure I received is therefore not a full file disclosure and I do not know what else might be missing. 

The changes to the consumer disclosure web form on LexisNexis ' web site does not provide an option to request these CLUE reports, nor does it enumerate the types of reports that LexisNexis creates about consumers. This makes it impossible for your average consumer to know if their LexisNexis consumer disclosure actually contains all the information LexisNexis is required to provide. I know the CLUE reports are missing because I have received them in past years, but the average consumer has no way to know. 

LexisNexis needs to provide me with my FULL file disclosure, including ALL information that it stores about me. LexisNexis also needs to fix their consumer disclosure web site and internal processes so that ALL consumers receive full and complete disclosures in response to a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC
State: MN

Complaint narrative:
XXXX/XXXX/Checkredi companies claim that while I got a new debit card for use with my new bank account ; I mistakenly kept using the old card tied to the closed bank account. Thus the debit card transactions were rejected by the old bank. 
While this may be true, they have not given me sufficient information to confirm. The account numbers on the receipts do not match the card numbers. 

2 charges in XX/XX/XXXX & XXXX, XXXX : {$14.00} and {$17.00} = {$31.00} total. 
XXXX/XXXX/Checkredi want me to pay a penalty of {$30.00} each or {$91.00} total on a {$31.00} bill. That seems a bit excessive. Furthermore, they waited 5 days before notifying me of the problem - increasing the chances for further transactions and punishing fees. 

I received 2 emails ( one for each charge ) from XXXX/XXXX/Checkredi on XX/XX/XXXX ( 5 days after the first offending charge ). This indicates that they bundle charges together ( delay ) before notifying the customer. The more they delay, the greater the chance to collect yet another {$30.00} fee. 

My records indicate that I kept the correct card and crossed-out the old card information. Checkredi Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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:
DEPT OF ED/XXXX has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on 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 2020-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BTH Management
State: CA

Complaint narrative:
In XXXX, I called the company to set up a payment arrangement on my balance. The message stated Please hold while we connect you to a representative and did not say anything about calls being recorded. I spoke with representative XXXX who did not verify my identity before disclosing the debt associated with my phone number. She also did not inform me the call was recorded. They transferred me to a representative who actually sets up the payments who informed me THAT line was recorded, so I asked if all of them were and he said yes, so I asked to be transferred to a Manager. I spoke with Mr. XXXX, XXXX, who began to discuss the debt with me STILL without verifying or giving a call recording disclaimer. I informed him this was all in violation. He put me on hold to listen to the call with XXXX and came back having verified what I said to be true. I informed him I wanted the matter removed from my credit and that thrown out. He declined. I said I would have to consult my attorney then over the FDCPA violation prior to proceeding with any payments. I verified with him that the calls are recorded and would be available for further inquiry, based on my telephone number. 
- Later, on XX/XX/XXXX and receiving no further contact from them, I called back and a representative, XXXX stated the account was no longer in their system. It was still on my credit, so I disputed it, but it was validated, even tho the rep had stated there was no account there for me. All of this very frustrating and unprofessional behavior that violates my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: GA

Complaint narrative:
On XX/XX/2020 I opened an account with Experian. According to them per the online account, my credit is unfrozen. I am trying to refinance a mortgage and the bank needs access. 
on XX/XX/2020, the bank says my credit is still frozen. 
XX/XX/2020 : per online it's unfrozen. Per 800 number attempt to reach customer service, it is frozen. Attempted to unfreeze via phone, and was told to submit by mail. The website indicates customer service is open 7 days per week. After searching online and finding suggestions from others, I attempted to reach the fraud line, only to have the automated system tell me customer service is only open monday - friday. It is impossible to reach a live person to discuss or rectify this situation.

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 2020-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On approximately XXXX20 I discovered unauthorized charges to XXXX from my Bank of America ( BOA ) Checking account. These charges had been recurring for over a year, but while filing a fraud claim with BOA I was informed I could only request recovery of a year 's worth of charges from the date of discovery. This amounted to {$770.00}. I was also informed that the process could take up to 45 days for investigation. I checked my BOA online message center regularly until XXXX20 when I called BOA. On XXXX20 I was informed that XXXX had responded that the charges were authorized and that supporting documentation had been sent physically and electronically on XXXX20. I was also informed at this time that the fraud claim with BOA had been closed. I explained that I had never received this documentation in either format and requested the documentation be resent at this time. I was assured the electronic documentation would be available in my BOA message center no later than the morning of XXXX20. On the afternoon of XXXX20 I again called BOA because I had not received the documentation I needed to request the claim be reopened. I was then directed to go to a banking center to obtain this documentation. On XXXX20 I retrieved the documentation provided by XXXX from a BOA branch and on XXXX20 I faxed the attached letter and supporting documents to BOA requesting the claim be reopened. I also submitted an FTC Identity Theft Report on XXXX20.

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 2020-05-17 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: TX

Complaint narrative:
I am writing this due to non-compliance with XXXX XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XXXX of 2019, Shellpoint Mortgage took over our home loan from XXXX. Unfortunately no one notified us about that transfer. Not XXXX and not Shellpoint. It wasn't until my husband tracked down who held the mortgage in XXXX that we were able to find out about it. Once we found out who to pay, and they sent us a statement we sent in a payment. Then we got another statement and sent in another payment Both payments were returned without being accepted. We had to call them again and pay over the phone. They are still charging us late fees even though we could not have paid them on time because we didn't know who held the mortgage we were never notified! They are also reporting this to credit reports even though it is Shellpoint 's fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another one less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX US XXXX, Veteran Overview XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 %  of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am trying to find out why my PMI does not go away till 2045. I contacted Freedom Mortgage on XX/XX/XXXX and was told that. I of course questioned that and was told to send an email so it was in writing. XXXX XXXX contacted me on XX/XX/XXXX and then received a letter from Freedom Mortgage dated XX/XX/XXXX saying they will provide a written response upon completion of my review.. I have heard nothing.

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 2020-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
Freedom mortgage reported that I have a 30 day late payment for XX/XX/2020 for the amount of {$1500.00}. This payment is suppose to be in the forbearance that we were put in. They claim that I didnt put in for the forbearance in XXXX, but I did, I applied for the forbearance twice. Either way, we have been severely affected by Covid-19 and have been since the end of XXXX. I would hope and assume that a company as large as Freedom Mortgage would take the date of the hardship into consideration and not just imply that it stated in XXXX. Im requesting that they include XXXX into the Forbearance and delete the hit to our credit that it was 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: MI

Complaint narrative:
I requested a credit report from each of the three major credit reporting agencies ( CRAs ) in XXXX of 2020. On review, I noticed that Equifax was reporting an incorrect date of birth ( the other two CRAs had my correct DOB ). As a result, I opened an online dispute with Equifax ( Confirmation No. XXXX ) on XX/XX/2020, asking them to correct the error and supplying them with my correct DOB, and with a copy of my drivers license showing my correct DOB. After waiting 60 days for a response and not getting one, I again visited the Equifax website and saw that : ( 1 ) they had opened and closed my dispute on the same day, and ( 2 ) that they had not corrected the error. Consequently, I filed a new dispute with Equifax ( Confirmation No. XXXX ) on XXXX, 2020, again supplying them with my correct DOB and a copy of my drivers license showing my correct DOB. In less than 24 hours, I learned that Equifax : ( 1 ) again opened and closed my dispute on the same day, and ( 2 ) had not corrected the error in the report -- the credit report they supplied still contained the incorrect DOB. I believe Equifax is violating the FCRA by : ( 1 ) failing to conduct proper investigations into disputed information, and ( 2 ) failing to correct errors in credit reports after being provided with information establishing the error.

Company response to consumer: Closed with explanation