vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
Remove incorrect reporting of 30 day delinquent on XXXX XXXX account. XXXX in the credit department at XXXX XXXX assured me this would 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 explanation
Consumer complaint received 2021-05-03 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I have had trouble with Mr. Cooper in the past. I made my payment on the XXXX of last month and and when I got my bank statement they had took my payment out four times, they did redeposit but it cost me check charges n just messed my account up I am on a fixed income so do not have any extra money to play with. Last time it was paying my taxes then saying they would be three times as high next years and raised my payment from XXXX to over a XXXX it took six month to get that fixed now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/2021, a mortgage company by the name of XXXX XXXX XXXX ran my credit without my consent and authorization. 

I called the company and they stated they had assumed I had already given consent, which I hadn't. 

I requested they rectify this issue as my credit took a hit due to this inquiry. 
I work very hard on keeping my credit score up and this is simply unlawful.

I have yet to be contacted back.

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 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lakeside Recovery Solutions
State: NC

Complaint narrative:
Lakeside Recovery Solutions are calling my daughter 's phone stating I owe a debt. The issue is I'm not the person they are claiming that owe the debt. They claimed my number is associated with that person so they gave me all of the person 's info. They gave me all of the information about the " case '' even though I'm not that person. I tried calling back to speak to a manager so they can take my daughter 's number off of the calling list but instead the person decided to tell me that I knew the person and was doing them a disservice by not giving them the info. I keep repeating that I don't know the person and they are calling my daughter 's phone, one of my business lines and to cease calling this number. The person got hostile with me and threaten the person the debt belong to. This is a big problem. They told me all the details of the account, the person 's private information including their address and phone number. This is a direct violation of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: AL

Complaint narrative:
This happen in XX/XX/XXXX I notice in XXXX theres was inaccurate accounts on my credit report. So I spoke with a representative at equifax it was a supervisor I spoke with they told me to get a police report or a ftc report about the fraudulent accounts that was showing on m credit report. So I provided equifax with a ftc report sent it by mail they received it they told me the ftc was invalid that they couldnt process it because I didnt have the fraudulent account number on the report. Equifax have been sending me on a goose chase I call them they lie like one representative told me she was gne have the fraudulent accounts removed and I feel like I been a victim of fraud for three years and it seem to me I provided Equifax proof of a Ftc report which is what the head person of Equifax told me to do and they still not helping me with this matter okay so since they want me to provide a valid ftc report which the representative told me to do if I want to get those fraudulent accounts thats on my credit report removed I have print out a ftc report with the account number of the fraudulent accounts and Im attached a copy of my photo Id lets see what the problem is now I will like those fraudulent accounts to be removed from my credit report immediately a supervisor from Equifax said provided them with a valid Ftc report and make sure I add the account numbers from the fraudulent accounts that are showing on my credit report and once I do that they will removed them so please remove those accounts from my credit report and I also fax in this Ftc report on XX/XX/XXXX and this time its valid with the account number so yall shouldnt have any problems getting these removed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
The loan servicer failed to make timely property taxes payment for me, I am facing late fees and potential tax lien on the property.

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 2021-05-03 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:
I have reached out to Transunion LLC

about two credit cards that does not belong to me. I have filed a complaint with the banks at for these credit cards and they verified that it does not belong to me, which I stated to Transunion. I requested them to investigate. I also requested a credit report during this wait. I investigated this matter with the credit card company where they helped me narrowed down that these info belongs to my brother who lives in the household as me. The bank was able to verify that this instantly. The bank sent this dispute to Transunion. Weeks later. However, the " investigation '' from Transunion came back where the " RESULTS - VERIFIED AS ACCURATE AND UPDATED. '' No information was provided on how this was true. The credit report also came. Information on there shows my name plus **obviously** another name. Did Transunion really do any investigation? There were not just credit card info but numerous other things that does not belong to me.

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 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Saturday XX/XX/XXXX my mortgage company Mr. Cooper-Nationstar sent an email to all customers stating there was a processing issue. I had a payment schedule for XX/XX/XXXX. Well I woke up Monday XX/XX/XXXX to my bank account being in the negative over {$700.00}. I then scrolled to see that Nationstar had taken 4 payments out, then reversing two and retrying one more ( not sure what that means yet XXXX. I then called them immediately getting a recording stating they are aware of the processing issue and they are responsible for all unauthorized charges and bank fees incurred and the issue would be resolved no later than Tuesday XX/XX/XXXX ... ..My husband and I called daily to find out the status of our refund and all they could say was by the end of the day ... By Friday XX/XX/XXXX the woman stated they were now told 3-5 day processing time from Monday the XXXX. Well here we are Monday XX/XX/XXXX and we have still not received the refunded of the two payments owed to us in the bank. I also submitted for a refund on the mr. cooper website for the bank fees of {$210.00} incurred so far. They say they will send in the form of a check! 
I have not had access to my funds or any money for a week now this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Mtg Inquiry fromXX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I should have balance money on my prepaid creditcard from unemployment benefits from NJ. My unemployment claim was approved and I claim benefits itssucesssfully every week but I dont see it reflected in my Bank Of America account prepaid creditcard. What is the problem with it. I will like have some pront and diligent solution from your part. Thank you in advance.

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are several inquiries on my credit only recently that I did not authorize or consent to as I have been trying to repair my credit! I have contacted some of the inquiries as they have been difficult to connect with! Please help resolve this. 

Thank you!

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 2021-05-03 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: NJ

Complaint narrative:
some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX  XXXX  rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from 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 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: NY

Complaint narrative:
I received an unsolicited debit card in the mail XX/XX/2021 from " XXXX by XXXX '' and there is no way to reach a person from any of their customer service numbers to cancel the card. All options seem to just lead to activating the card, which I do not want '' This is the address on the Letter Head for the card : XXXX  by XXXX XXXX XXXX XXXX XXXX, TX customer service phone : 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 2021-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've tried to get access to my account on my.equifax.com several times today and each time they only get me to reset the password and I am unable to ever login into my account. 

I've contacted the company representatives three times today XXXX and on the first two times, the reps said they would transfer me to the tech support, but we never reach the tech support department. 

On the third try, the rep tried to get us to reset the password and also got the same result being unable to login into my account. 

We keep getting the message, " We are temporarily unable to complete this request. '' I asked the rep to see if there was anything that was incorrect on our account or profile, but each time, we get this message. We try on different browsers too and still get the same message. XXXX XXXX, XXXX XXXX, XXXX XXXX. 

We tried this a couple of times around a month ago too with same exact result. No one is able to provide a solution to determine the reason or cause for being unable to login into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a continuation of CFPB claim number XXXX Because of that claim, which was immediately sent to Bank of America on Monday XX/XX/2021, on Friday XX/XX/2021 at XXXX I received an email from XXXX XXXX ( XXXX ) ( included a copy in this claim ) which said XXXX XXXX is now my point of contact for this claim. And he must speak to me on the telephone FIRST before he can review this claim to ensure my identity. His hours of work are XXXX Pacific time Monday through Friday. 
So he sent this email to me after he was already not available by phone on Friday. 
So I wait the entire weekend, and start calling the number in the email at XXXX and everytime I called ( 23 times between XXXX PDT ), and each time got a numbered voice mail box ( XXXX ). I left a message 3 or 4 times. 

I finally sent a reply to him in the email how frustrating this is to wait all weekend to speak to him and he never answers the phone. 

This is a completely fraudulent way of setting this " resolution '' system. 
1. this is a debt collector 2. they set the terms that I must speak to him via telephone before he can review the claim, yet he never answers the phone. 
3. I am supposed to wait indefinately for a callback or just keep calling a number that is never answered. 
4. he put a deadline for this telephone conversation at XX/XX/XXXX. 
I have absolutely no control in making that happen because they do not answer the only phone number and extension they gave me. 

This is a system set up to fail the customer. This should be illegal. 

I contacted my Senator, XXXX XXXX 's office today and they said their casework group would contact me. 

Bank of America should be shut down for failure to treat clients fairly. And if laws don't already exist to prevent this kind of shell game and one-way street, there should be some enacted NOW!

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 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/2017, I received a letter from XXXX XXXX, XXXX, Fl XXXX saying that they sold an XXXX XXXX XXXX XXXX account to Portfolio Recovery Associates, LLC. This is the first time I learned to have an account with them. I live in XXXX  XXXX, XXXX and I never heard of a XXXX XXXX  before. 

On XX/XX/2017, I received a letter from Portfolio Recovery Associates, LLC. They want to help me resolve the issue. 

On XX/XX/2017, I wrote a letter to Portfolio Recovery Associates, LLC, explaining my concerns about the credit card issuer. 

On XX/XX/2017, the PRA Disputes Dept. said a review of documents related to the account in question was made. It said the documents were enclosed but I did not receive such documentation. 

Then, threatening phone calls followed. The collector 's agents used foul language to persuade me to pay. I was even told that they could damage my credit record if not pay as soon as possible. 

Because of my previous encounters with the collection agency, I ignored the issue and avoided their calls. 

On XX/XX/2017, I finally decided to submit a complaint to Federal Trade Commission, consumersentinel.gov with reference no. XXXX. 

To this date, that complaint remains unresolved. I am submitting this second complaint because Portfolio Recovery Associates, LLC has submitted another adverse issue to my credit report and has doubled the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX . This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.

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 2021-05-03 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: NJ

Complaint narrative:
some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX XXXX rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX  XXXX XXXX/XXXX

Company response to consumer: Closed with explanation