vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Lakeside Title Company
State: WI

Complaint narrative:
I received a cheque of apps. XXXX USD and I was asked to pay XXXX USD to a 3rd Party in a contract against my XXXX XXXX. 
1 week later the cheque was withdrawn and account got overdraft by XXXX USD. 
All the relevant details has been attached in pdf.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: OH

Complaint narrative:
Transunion, XXXX  and XXXX  has reported my account by XXXX as 30 days late for XXXX of 2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: AES/PHEAA
State: PA

Complaint narrative:
I received one notice about a late payment from AES/PHEAA. My student loan had been in deferment, plus I was under the impression that government student loans were to be automatically deferment until XX/XX/2020. I checked online and AES showed a payment owed of {$50.00} was past due and there was interest and fees. I paid them {$500.00} on XX/XX/2020, well over what they were asking for. Their account statements showed they removed my deferment from XXXX (? ). I called them and was able to speak with someone on XX/XX/2020 at XXXX. The representative stated that they removed the deferment because even though this loan was service by the ( a state government agency ) that it was owned by a private lender ( a bank ) and that it does not count towards the federal CARES Act. I asked about credit reporting and COVID-19 options with this student loan and the representative explicitly told me that no negative reporting was done for this student loan and that the account was showing current and paid, with no payments being due for a few months. I was very specific with her about the credit reporting and that I didn't believe this was right with not being treated like all other government loans under the CARES Act. She assured me again that everything was showing paid and current, and there would be no negative credit reporting. Today I have viewed my credit reports because my score has dropped 70 points, and it is because AES has reported negative information to my credit for a missed/late payment. I have filed dispute with each of the credit bureaus seeking that this information be removed per what the representative told me. I believe AES is using very deceptive practices here, especially during a time where the CARES Act was specifically put in place to help those with government student loans. My other government loans have are owned by banks/serviced through other entities other than the Department of Education, but they are still GOVERNMENT LOANS. They don't just get disregarding because a lender is servicing them. I want this negative reporting showing for the month of XX/XX/2020 removed from my credit report. This is not the first time in my history with this company where they have done this. In the past, they have also " lost '' payments I've made, or incorrectly applied my funds then have tried doing the same or disqualifying me for interest rate reductions, etc. Because I want nothing else to do with this company, today I requested my loan payoff amount, which is {$1600.00}, and I paid this amount in full to AES today XXXX. I am requesting that AES/PHEAA remove their negative reported information from all three credit bureaus immediately. 

Thank you, XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$4600.00} Balance Updated - Original Balance {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I signed up for my annual free credit report. It wanted to run my card for a XXXX  to verify I am who I say I am. They were upfront about that part. Maybe a week or too later I got a notification from my bank from a declined transaction for XXXX from my credit report. I also got a text message from my bank asking if I made it. I said no. My account was negative so it didnt go through. I called my bank and put a block on the company. I got another notification today XX/XX/2020 from both my bank app and a text saying they tried to run my card again. I never signed up for my credit report. I never authorized a payment of that amount. Upon doing research XXXX  also owns my annual credit report and they are fraudulently charging customers under the guise of free credit report for a different website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This was a secured account they had a deposit on the account for XXXX I stopped paying because the interest was crazy the balance was much lower than the XXXX originally put to secure account they kept the balance I should be considered even

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
The debt collection agency will not update the amount owed/adjust my credit report and remove from collections. 

The service was in XX/XX/XXXX and it was finally resolved by my insurance XX/XX/XXXX. 

There were issues with me having multiple insurances and they wouldnt initially pay until I provided proof of only having one medical insurance. Once that was taken care of they paid out. 

My insurance covered the debt ( XXXX ) an I provided the supporting documentation to the hospital, the agency, and XXXX multiple times as proof. 

Ive called them and the are not responsive other than I must wait for them for review the documents Ive submitted. 

They will not respond to my emails ( they provided me the email address ) Ive disputed this 4 times already with XXXX. 
It is wrong to expect me to pay a bill that was paid through insurance always. I am only responsible for the deductible of XXXX. 
I wonder if others are experiencing the same issue with this agency. It is worth looking into it, as it is a fraudulent practice. 

I dont know what else to do! 

Thank you kindly in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has transitioned most of their banking to machines limiting access to a in person customer assistance in their lobby. This has cause customer to contact their main banking services phone number. The waiting to speak to an agent could take 30-45 minutes. At times during the transfer to the right department the calls get dropped. My main concern is that I have a mortgage account that I wish to pay extra towards the principal but with doing this on line or at the automatic machine the system only accepts the monthly payment and any Extra is held for the next month payment. I waited in line for 30 minutes to enter a lobby but the service Dept. Insisting that I need to speak to a mortgage department and they dont have any in their branches. I can only call the main number provided by the bank to speak to a mortgage agent. 
I have visited 2 locations and the results were the same no one has attempted to resolve my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have federal loans serviced through Navient. 4 of the loans are XXXX  subsidized loans from my XXXX at Ohio XXXX and 1 is a XXXX PLUS loan from the XXXX XXXX XXXX. They have not delayed payments and have been charging interest all year. I messaged them about this and they first stated that it was due to loans being amortized on a schedule and that I wasn't being charged interest. I followed up later due to a different reason and they stated that the CARES act rules did not apply to my loans because they are not held by the department of education. They were still federal loans that were serviced by Navient so I'm not sure why this would not apply. My main issue is that they have been charging interest since XXXX which adds up to a significant sum and they did charge me 1 late fee which would not be present if CARES Act rules were applied.

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

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This was a secured account they had a deposit on the account for XXXX I stopped paying because the interest was crazy the balance was much lower than the XXXX originally put to secure account they kept the balance I should be considered even

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: CA

Complaint narrative:
My wife and I purchased an item via my Capital One credit card from XXXX on XXXX for {$1200.00}. The item, a XXXX XXXX, was broken when I got it. I sent it back two separate times to the XXXX and it was returned to me two times, which took months. I sent it back a third time, which Ipersonally paid {$400.00} out-of-pocket to do via XXXX. The item was finally recived by XXXX on XXXX. XXXX sent me an email stating this on XXXX. I have sent Capital One photos of the broken faucet, proof I paid for it, proof I sent the faucet back ( 3 times ), proof XXXX got the faucet and still Capital One refuses to credit my {$1200.00} plus any interest it has accrued. I have called Capital One a dozen times, spent countles hours explainingthe situation to various Customer Service people, numerous Managers, etc. the past year to get this resolved -- butthey refuse to do so. My last call was with a person named " XXXX '' on XXXX and he actually hung upon me. Capital One are either thieves or incompetent as this is beyond ridiculous. My wife and I have 4 credit cards with Capital One, spend thousands per year and our credit scores are well over 800. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AK

Complaint narrative:
I tried to refinance my house with Amerisave. I have a high income, high credit score, debt free, this should have been an easy loan. Month after month after month they kept asking me to submit information that I had already submitted and they had confirmed received. So I would have to call and remind them about how they already have it and we even talked about it after they received it, and they they would remember, again. It was a trail of incompetence that I would need a book to detail. But after 4 months I finally just asked if they they refund my {$500.00} application fee and allow me to go somewhere else. They agreed. But that was XXXX, it is now XXXX and no refund. They say they are sending it, just wait. But it never comes. It did not take me months to pay the fee, they should be required to refund it in the same year they took it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc.
State: MI

Complaint narrative:
I was XXXX and charge for a crime that was eventually closed out do to my XXXX  being completed in XXXX. My conviction record was supposed to be sealed because of completion. The only thing that companies keep finding is my arrest record. Im not sure Why XXXX denied me when my case was closed amd threw out? Haven't been in trouble before or since that incident. If you need documents to verify my XXXX  terms and release thats find. Just tell me what exact information you need so i can send it end. I want my XXXX up by the beginning of 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