vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-06-17 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: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 PNC Bank is blocking me from linking my XXXX XXXX. I was always able to link to PNC Bank but today getting a message that PNC Bank is suddenly denying me access to my account through XXXX XXXX  without any warning or Reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: LA

Complaint narrative:
I am a ex XXXX  XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.

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 2020-06-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a ex XXXX XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: SC

Complaint narrative:
We initiated a refinance on a VA mortgage loan in XXXX of 2020. We were told it would take about three weeks.We provided documentation and signed disclosures on XX/XX/XXXX. 

The first round of documents requested from us were all provided within 24 hours. Any other request of us has been provided within the same ( 24 hours or less ) time frame.

It has been over 2 months now since we started the process. The individual who we are working with does not return emails or phone calls. I have called in to the company to complain for the 2nd time, and they are not providing a complaint system to me that is followed up. I would have expected a compliance department to contact me. When I called the general customer service number last week, I was told that our loan was approved, so I am just waiting for closing. 

I am afraid that this is all a scam at this point, and they have tons of our personal information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I called " Specialized Loan Services '' and told them I could not pay the scheduled payment on XX/XX/XXXX. At that time I was given a '' Forbearance ''. What I thought was that SLS would not take that scheduled payment, but they did! This has caused me undo hardship. It was money SLS just indorsed for damage to my roof.

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 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Ref. : COMPLAINT ID XXXX - SUBMITTED ON XX/XX/2020 Greetings, with reference to our complaint referenced above against Dovenmuehle Mortgage Inc, and its affiliate XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX Please note the following developments : 1. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in fixing our billing statements, to match the Mortgage Note terms and conditions.

2. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in acknowledging the Mortgage Note terms and condition and continued its fraudulent billing behavior.

3. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, in a desperate attempt to escape it responsibility and legal liabilities ; they notified us today via mail ( XX/XX/2020 ) that they are transferring our loan to a new servicing agent " XXXX XXXX XXXX '', XXXX XXXX, XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from 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 2020-06-17 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from 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 2020-06-17 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: TX

Complaint narrative:
MY COMPAINT IS WITH TRANS UNION XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND TRANS UNION AND XXXX  XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO TRANS UNION THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.

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 2020-06-17 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: CA

Complaint narrative:
There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: MS

Complaint narrative:
IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank is holding all of my money hostage. I disputed a transaction over 3 weeks ago, and since then not only have they denied the dispute, they then locked and closed my account. They are now saying that I can not touch my funds for 30-60 days. They won't even give me a reason. This is criminal!!! All of my unemployment funds and a grant I  received from a charity are in here!!! Please help me get my money!!!!!!!

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 2020-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting any lates on the DEPTEDXXXXXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, The XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by The XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.

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 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-17 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: CA

Complaint narrative:
There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX I answered the phone and was told it was state collections on behalf of advocate medical group. I had explained to advocate i had filed bankruptcy and was not paying the bills. I had then notified state collections. On XX/XX/XXXX I got a letter from state collections and had notified them once again I had filed bankruptcy. On XX/XX/XXXX state collections sent me a text message asking me to open the attachment that disclosed the same debt I have filed bankruptcy on. State collections has also obtained my new address i just moved into less than a week ago.. if they can tlo my address why can they not close this out for bankruptcy. This is harrasement and I did not give state collections permission to contact me via text message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Upon reviewing my credit I noticed I had a collection account from XXXX XXXX XXXX that did not belong to me. I tried reaching out to the rental company that it said I owed XXXX XXXX XXXX XXXX but they are no longer in service. So I then called the collections agency and asked what can I do to prove it wasnt me. He said & I quote, Nothing. Because it was you. So you need to pay it. I told him that in fact it was NOT me and the address had already been proven to be false ( XXXX  removed the address belonging to the apartment due to fraud ). He then said, I have proof here that it was you. I have your signature. I asked, Okay & what do you have to compare it to? Cause it wasnt me. He then said, Seems like you got it all figured out & hung up on me. Ive never lived at the address from the apartment complex. Which is why XXXX  removed it. XXXX  even completely removed the collections account DUE TO FRAUD. At this point I dont know what else to do. Ive never lived at those apartments and the National Credit System people are not trying to work with me to prove to them that the account doesnt belong to me. He literally told me no matter how hard I fight it or what I do, they wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a Wayfair store credit card through Commenity Bank. They do not offer auto payment like every other credit account that I have and as a result, I have accumulated several {$35.00} late chargers and it may affect my credit score. I have emailed them twice and they tell me not to worry, it won't be reported on my credit report but that it is my responsibility to ensure that I pay my bill on time and that they do not offer auto payment as an option. This is pure and a simple a manner for this company to prey upon their busiest of customers and extract additional revenue from them. Additionally, they only allow you to schedule up to 2 future payments at a time, forcing you to either remember or set reminders to come back and arrange for future payments at least every 60 days. I find this unacceptable and would expect that there has to be a law to prevent credit card companies from preying upon their customers in such a manner as it is 2020 and we live in the age of digital technology where everything is done online and can be set up to be done automatically. If there is not a law outlawing this practice, then there should be and I would respectfully ask who to contact to raise my concern and ask that a protective law be considered by legislation. This is particularly concerning because they are preying on some of their most vulnerable of customers during a global pandemic and record breaking unemployment.

Company response to consumer: Closed with explanation