vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate 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
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Completed 3 modification trial payments XXXX XXXX, XXXX, XXXX XXXX, 2021 and XXXX, XXXX all 3 trial payment in the amount of {$1600.00}. Received final modification documents for my mortgage it is a balloon mortgage. My previous mortgage was a fixed term FHA mortgage and to accept the balloon note is setting me up to lose my home. Resubmitted mortgage assistance request. Fixed term again for the 3rd time received a denial letter for 1st request to have a fixed term mortgage. I have resubmitted my request again I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or Paypal I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.

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 2021-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX we signed up for XXXX using one of the consulting firms who set up the account. As a result at no point, anyone offered us any kind of terms of conditions, or policies. After unsuccessfully trying to implement their product, it never worked right, so we decided to cancel the subscription. It took me several days to research how to cancel it since XXXX  makes it very hard to cancel. 

Finally, on or around XX/XX/2021 I was able to submit a cancelation request. But XXXX employee told me that according to their policy the cancelation request should be made 10 days before the renewal date. 

The problem was - no one told me about the existence of such a policy, which I mentioned to the XXXX employee. She ignored and responded with the same answer. 

On XX/XX/2021 Keap/InfusionSoft charged {$210.00} on my card again. I filed a chargeback request with Capital One - case number XXXX. Capital One requested documentation and the merchant provided a printout of what I think is one of the many pages on their website that mentioned 10 days cancelation requirement. That document the merchant provided did not have my signature or any indication that I was made aware such a document exists. 

On XX/XX/2021 I received a letter from Capital One saying that the merchant provided satisfactory proof and asked me to send them the policy I received when subscribing to the service, in case my copy does not have 10 days requirement. On XX/XX/2021 I responded to them that I never received such a policy in the first place, yet Capital One denied the chargeback. I reached out to several people in Capital One and each of them said " I personally understand you very well, and this is wrong, but we need a policy you received ... '' despite me telling them I never received one in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX the XXXX at XXXX XXXX XXXX had an appointment at PNC bank to try to refinance his house at XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX They told him ( us ) we had to pay {$31.00} for them to run a credit check on Mr XXXX ... We paid {$31.00} for the credit check, ,After being on the phone with XXXX XXXX of PNC loan officer.. He told Mr XXXX XXXX he had to pay {$500.00} for an appraiser to come out and appraise the property ..All we want to know if that is right or is it by law ... Mr XXXX do not have the money to pay that {$500.00} ... XXXX XXXX mortgage loan officer said to the daughter let your daddy borrow the money from you, or get it from your stimulus check ... .And I told him I have not got mine yet he said it is coming ... .... All we want to know is all of this legal and right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

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 2021-03-26 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: LEXISNEXIS
State: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Due to the pandemic my income took a large decrease and I was not able to make a payment ontime for an account : COMENITYCAPITALBANK/ZALE # XXXX in the month of XXXX 2020 and now I have a 30 day past due for XX/XX/2020 and is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal close my account for no reason at all. I had done nothing wrong and had used their account as I was supposed to yet they suspended my account and put a hold on my money that is in the account for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate 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
Consumer complaint received 2021-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
They have contacted me over the phone a few times trying to get me to settle and I disputed the {$400.00} XX/XX/XXXX. Back in XXXX one representative said the whole account was in correct and tried to fix it but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, Synchrony show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with Synchrony and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.

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 2021-03-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, XXXX show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with XXXX and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: E*TRADE BANK
State: NJ

Complaint narrative:
I received 3 checkbooks from E-Trade and I never opened an account with E-trade. I recently opened an account with a different company ( XXXX XXXX savings ) but have never opened an E-trade account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, 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 2021-03-26 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: MN

Complaint narrative:
The following credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Actually, numerous issues, but I'll combine them into this one complaint for now. Signed up for the Citibank XXXX XXXX XXXX credit card on XX/XX/2021 after several days seeing adds for {$50.00} reward plus {$5.00} per {$100.00} spent with new card enrollment, and made a purchase that day. The {$50.00} special award disappeared, no sign of it anywhere, and whenever I was able to get a live person, I just got a confused response as if they'd never heard of this {$50.00} bonus offer. 

Have been unsuccessful on numerous occasions getting anyone by phone or any true responses via secure email. IF their site recognizes your credentials, about 50 % rate, your secure emails requesting only general information on the whether the {$5.00} reward per {$100.00} spent was legit, and how it worked are met with refusal to put anything in writing and insistence to call them, at XXXX. This puts you into an automated system that keeps going around in circles getting your account credentials and social security number in spoken or touchtone, but never passing you to a person. 

I've requested they close the account since they obviously DO NOT honor either the {$50.00} special award, or {$5.00} per {$100.00} spent. I will NOT use Citibank nor XXXX XXXX XXXX again, and think they need to be stopped! Anyone thinking of doing business with either XXXX XXXX XXXX or Citibank needs to know they are fraudsters who DO NOT HONOR REWARDS OFFERS, and don't put terms in writing.

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 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
ERC is trying to collect on behalf of XXXX mobility. I am being billed for a good I never received. Two XXXX, XXXX never mailed has no history of mailing me anything, never activated the never received phone. This has been going on again since XX/XX/XXXX. They all send me to different sections XXXX customer service, billing and collections. Then, collections tells me to contact ERC and they will call and XXXX agent can advice the Bill should be removed. My credit has been negatively impacted. I signed up for XXXX at XXXX, they did not have phones they would be mailed. This was XX/XX/2019. I cant believe they tried to tell me to pay XXXX of the XXXX. I told her not a XXXX for something I did not ever receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I started getting bills from XXXX XXXX. I have no idea who XXXX XXXX is. I wrote and spoke to them advising them I have not ordered anything from them. They have made a derogatory entry on my credit report however they do state I am disputing this charge, that it was identity theft and I have not received any product from them.

Company response to consumer: Closed with explanation