vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
I disputed a fraudulent account by the name of XXXX XXXX  account number ending XXXX and I never received a response from Equifax or it didnt get removed I never applied for this credit card and I send in some documents and never got a response at all its been a month ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: SC

Complaint narrative:
For several months I have periodically received a phone call from an unknown number. Today I received multiple and finally decided to call the company back. It turns out they have my number on file for a debt owed by another gentlemen. Multiple representatives informed me that my number could not be removed from their system and that they would keep calling until it is paid. Upon requesting a supervisor a gentlemen by the name of XXXX XXXX answered the phone. This gentlemen was very rude from the beginning. He informed me that he would make a not that my number is not for the account holder but refused to actually remove it from the system. He begin informing me I was waisting his time. He then began insulting me, calling me a child, informing me I have nothing to do with my life, and being extremely rude to me. Meanwhile I maintained my composure and respect the entire time. He compared me to a drug dealer as well for some reason. I want my phone number removed from their system and confirmation once complete. It is illegal for them to harass me for a debt owed by another person. My phone number is personal information and I have had the same phone number for 15 years.

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 2020-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: VI

Complaint narrative:
I mailed to Flagstar two hurricane related insurance checks ( XXXX ) totaling {$100000.00} on XX/XX/XXXX. I advised Flagstar at that time that I will complete my repairs out of pocket and they can inspect upon completion. I advised I expect during that time the monies to be kept in an interest bearing account because it could be some time before I am finished. Fast forward to around XXXX, XXXX of XXXX when I began discussing over the phone with several Flagstar representatives about the process for them to inspect and release the insurance monies. Their main issue is an adjuster 's report in which I advised them I gave them all the paper work I received from the insurance company. They ( Flagstar ) verified with XXXX about the adjuster 's  report and XXXX confirmed that there is no further paper work other than what they already have on hand. With this confirmed my question to Flagstar is what is the next step to complete this transaction. The several representatives I spoke to all said they would get approval from management to send an inspector and would return my call in a couple days with a scheduled date but no one ever called back or when they do it would be weeks later with the same response, " they need to talk to management ''. I finally decided that I will begin to put my requests in writing to support my complaint and maybe trigger Flagstar to respond. No such luck, it made it worse. I have sent 3 email requests out to Flagstar beginning on XX/XX/XXXX, each being at least a week apart and I have not received any responses to date. Thus, I am now filing this complaint.

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This complaint is about a Fifth Third credit card Three months ago they charged me a {$1.00} fee and a {$29.00} late fee. As I have not been late with a payment in over 40 years of credit history I called them to determine what had occurred. They advised that there was a " glitch '' in the system and that not just me, but all of their consumers had not received their e bills that month. They apologized and refunded the late fee and the {$1.00} fee.. I made a formal complaint and received a written response from XXXX  XXXX at the Office of the President dated XX/XX/XXXX apologizing. 
The following month I received another {$1.00} fee. I called to determine what this was for and the CSA advised that my payment was late. As I paid the bill THE MINUTE that I received the email notification that it was due, I was stymied. The CSA advised that it takes them 5 days to process online payments and thus the payment would be late. I responded that obviously then they are sending the e bills out too late if there is no way to pay the bill on time, even if paid within minutes of receipt. I began to understand that this is not in fact a mistake but an unethical ongoing practice. They once again apologized and reversed the fee.. 

For the third month is a row I received a {$1.00} fee once again on my statement. This time I was told that it was " interest ''. I advised that I had an interest free offer until XX/XX/XXXX and should not be being charged any interest. The CSA had no explanation. I asked to be transferred to a supervisor and I was advised that no supervisor was available. The fee has not yet been reversed although the CSA advised that it would be. A new statement is arriving by ebill on XX/XX/XXXX and I have no doubt that once again there will be a {$1.00} fee. If they are doing this to each and every consumer they are stealing a great deal of money, now in a pandemic crisis. This is clearly an unethical policy and NOT a series of mistakes. The other consumers that are more overwhelmed and diligent than myself probably have no idea that this is happening to them. I am thereby making a formal complaint and requesting that you launch an investigation into Fifth Third. All fees extracted from consumers should be returned to them as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I am in the process of purchasing a home and when the lender pulled my credit this collection appeared with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX appeared on my credit. There is NO MONEY OWED to this company. The lease expired and at no point was there any type of noticed received that money was owed at the time of move out. Once I was made aware of this I paid them even though I did not agree with what they were charging I still tried to do the right thing and pay it once I was finally made aware which by the way was 6 months later. This was actually some time ago and yet they report it on my credit file and showing that there is a balance due. THIS IS WRONG..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
I have for 2 years paid my escrow shortage in full. Both years my mortgage payment continues to go up even with a cushion they add in addition to my escrow. I have tried on both years to get someone to explain it to me as I have never had this happen before. I still do not understand a cushion in addition to escrow. If I am paying a shortage in full my mortgage amount should not change. Additionally, I was told I should not pay a shortage and just pay the increase. If I was to not pay and have a payment of $ 590+ a month and I pay the shortage in full and still end up paying $ 568+ a month it doesn't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-04 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
During the timespan of XXXX XXXX, an account was created with Experian using a fraudulent email. We have since frozen our credit, however the individual with this email is notified if we freeze, lock etc. We have unsuccessfully tried to navigate through Experian 's IVRs - often on hold for hours at a time, and disconnected frequently. We need a live person to remove this email from my social security number so we can secure our 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 2020-05-04 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-04 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: MA

Complaint narrative:
I have a credit card with XXXX XXXX Credit Card ( XXXX XXXX ). I have been making regular payments on my card and I have the payment history to prove all my payments posted. The bank is reporting my account late but I was not late. I called the bank and I spoke to a representative who told me that I had a returned payment. I checked with my checking account and they didn't attempt at withdrawing the payment. The representative said I contacted them and expressed that I did not authorize the payment, and that's why it was returned. This is completely false. I never unauthorized a payment. They never notified me of the " returned payment '' as well. The bank reported to my credit report 60 days late. I disputed it with Experian and it was changed to a 30 day late. The investigation and bank are giving me inconsistent information and it's completely fraudulent how they are destroying my credit. I asked for proof of how and when I contacted them to " deauthorize '' payment but I was told they don't have that information available. I was told the late fee that they charged to my account because of this mysterious returned payment was credited back to my account. The fact that they credited an erroneous late fee but refuse to fix the information they provide to the credit bureaus is proof in itself that this bank is fraudulent. This bank is unfairly ruining my credit that I am working so hard to rebuild. Attached to this complaint is my account payment history that shows I indeed made payments yet they tell me it was returned. I don't think they ever attempted to debit my payment and I'm paying the price for their negligence and destructive business practices.

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 2020-05-04 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: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with Regions Bank, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used Regions own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, Regions reported me as late even though the reason is Covid, and my credit score dropped significantly. Regions tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, Regions does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. Regions ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from Regions to be corrected.

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 2020-05-04 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-04 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX 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 2020-05-04 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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. Experian and XXXX refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as Experian, XXXX and XXXX continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..

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