vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-03-09 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: FL

Complaint narrative:
Experian refused to remove a collection and late statement made by XXXX after I submitted PROOF that XXXX did NOT provide the service as agreed. I was unable to get basic XXXX cellphone service in my HOME, despite numerous complaints to XXXX they were UNABLE to provide service. Experian is reporting FALSE information about my account with XXXX. Experian is taking the word of XXXX, despite the proof that I provided. I have NO problems in my home cellphone service with XXXX. Therefore, the information should be REMOVED from my Experian credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-09 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: LEXISNEXIS
State: MO

Complaint narrative:
I, XXXX XXXX XXXX XXXX sent LEXISNEXIS certified mail receipt on XX/XX/2021 concerning the incorrect/ inaccurate information that is/was being reporting on my consumer report. I have received a letter dated XXXX XXXX from LEXISNEXIS concerning this matter with information that has remained on my report after my dispute. LEXISNEXIS has violated my privacy and reputation pursuant to FCRA ( 15 USC 1681 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have been working with Loancare on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. 

I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.

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 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
Dates : approx ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Names : First Bank Puerto Rico, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone numbers : XXXX, XXXX, XXXX Account Type : XXXX XXXX ( Trust Accounts ) Complaint : There has been a long period of time taken by the bank to set up and secure the Trust account of XXXX XXXX XXXX, grant access, obtain account information and obtain account type fees and benefits. It is taking too much time to transition the account and obtain documents requested. The process has been rife with inaccuracies. I have had to file a tax extension with the IRS and will not be able to file the account taxes in a timely manner. The time it took following up to get this resolved was a drain on my time and resources. Much of the time I was unable to reach the necessary parties for extended periods of time. Many inquiries and contact request to a long time to receive a response. To date I still do not have access to my account. 

What happened is the previous trustee resigned and I, the new trustee and beneficiary, took responsibility of managing the trust. 

The company that this complaint is about is First Bank Puerto Rico and XXXX XXXX XXXX XXXX routing number, FDIC Cert # XXXX. 

The people involved are FirstBank of Puerto Rico, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
I received a bill from ERC about an account not paid with XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX XXXX and this is not my debt. I have had no prior notices from XXXX XXXX XXXX XXXX and this is " out of the blue ''. I also read online that this same thing has happened to other people also billing from XXXX XXXX XXXX XXXX that is not their bill from this same company and that they have many consumer complaints. I assume this is a scam. I do not want to reply to the company to encourage them to continue. 
I am XXXX years old. I should not have to deal with this fraud. 
This is the information from ERC : Account number XXXX ; Reference number XXXX the amount of XXXX due to XXXX XXXX XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX XXXX and I have never had an account with XXXX XXXX XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: MicroBilt / PRBC (formerly CL Verify)
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Certegy Holdings, LLC
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX 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 2021-03-09 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: SC

Complaint narrative:
A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Transunion credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the 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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Fidelity National Financial, Inc
State: CO

Complaint narrative:
We recently bid on a foreclosed property on XXXX and won the auction. Upon completion we received information from XXXX to wire the earnest money to Service Link Title company. We did so on XX/XX/2021. A few days later we received notification the the title company handling the closing had changed to XXXX. This company sent us a different Title company ( vender ) to wire the earnest money to. XXXX sent an email stating that Service Link would be rejecting our wire transfer over a week and a half ago. I contacted Service Link on Thursday XX/XX/XXXX and they stated the funds were sent and would take a couple of days to process. They have been in possession of our funds for a month and have made no attempt to return them. We are past due for sending the earnest money to the corrected title company and Service Link is holding up the closing process for our new home. XXXX has all of the details regarding this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
APPLE CARD ISSUED BY GOLDMAN SACHS BANK USA IS NOT IN COMPLIANCE BY LAW IN APPROVING AN APPLICATION FOR THE TRUE CARDHOLDER. IVE BEEN TRYING TO GET APPROVED FOR THE APPLE CARD FOR A WHOLE YEAR AND EVERYTIME I APPLY I GET DENIED EMAIL SAYING I WAS DENIED BECAUSE THEY CANT VERIFY MY IDENTITY. 
WHICH IS NOT TRUE DURING THE PROCESS THEY ASK TO UPLOAD MY DRIVER LICENSE WHICH SAY SUBMITTED SUCESSFUL. THAN 10 MINUTES LATER I RECIEVED AN TEXT ON MY PHONE ASKED DID I APPLY FOR THE APPLE CARD I TEXTED BACK YES THAN SAY APPLICATION IS PENDING. 
NEXT DAY I RECIEVED AN UPDATE ON APPLICATION THAT IT WAS DENIED SOLEY THEY CANT VERIFY MY IDENTITY WHEN I ALREADY SUBMITTED VALID DRIVER LICENSE WITH SAME ADDRESS ON DRIVER LICENSE ALSO THEY PULLED A SOFT XXXX  PULL WHICH HAS SAME INFO I HAVE GOOD CREDIT AND THERES NO REASON FOR AN DENIAL WHEN I AM THE TRUE APPLICANT APPLYING. THERES AN ERROR SOMEONE WHERE IN THEIR SYSTEM THAT KEEPS DENYING MY APPLICATION FOR CREDIT WHICH IS UNFAIR I SHOULD HAVE SAME RIGHTS TO APPLY FOR CREDIT AS ANYONE ELSE WHO GET APPROVED. 

ALSO REVIEWING ONLINE REVIEWS FROM PAST CARDHOLDERS OF APPLE SAYS WHEN DOING THEIR APPLICATION ON PHONE THEY GOT AN INSTANT APPROVAL WITHOUT ASKING FOR AN ID AND MOST COMPLAINTS PEOPLE HAVING TROUBLE GETTING APPROVED FOR CREDIT AFTER UPLOADING ID SAYING CANT VERIFY IDENTITY. 

ENCLOSED IN ATTACHMENTS OF DRIVER LICENSE FRONT AND BACK, SOCIAL SECURITY NUMBER FRONT AND BACK, UTILITY BILL IS TO PROVE MY IDENTITY AND ASK THIS APPLICATION BE MANIUAL APPROVED. 

I WILL BE SEEKING AN ATTORNEY TO ASSIST ME IN SUEING APPLE FOR DENYING ME FOR CREDIT FOR AN WHO YEAR WHEN I PROVEN MY IDENTITY IN UPLOADING MY DRIVER LICENSE AS REQUESTED BY APPLE WILL SUE IF THIS COMPLAINT IS NOT RESOLVED IN MY FAVOR BY XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CrossCheck, Inc.
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently on a UI claim through CA EDD. On XX/XX/2021 I had {$1000.00} debited out of my Bank of America account at an ATM in XXXX, CA. The entire time I had my card with me and was at work. I immediately called Bank of America, filed a fraud claim, was told I would receive my {$1000.00} back within 10 days and have my claim resolved within 30-45 days. Meanwhile, I received a new EDD prepaid debit card and tried to activate it on Friday XX/XX/2021. My account was closed due to the fraud claim and I was not able to activate the card. I called EDD to see if something had happened to my claim- my claim was fine. I verified my ID and had the EDD send that verification to BofA on XX/XX/2021. During that time I was also calling BofA to see what I could do to open my account. I was getting various answers from the representatives and constantly being shuffled between EDD and BofA. My claim was officially closed a week after I reported the fraud and no money was ever returned to me. I requested paper checks from the EDD but have yet to receive my money via paper checks ( certified XX/XX/2021 and am still waiting ). On XX/XX/2021 Bank of America told me that my account info had been sent to their back office for review but they do not have an estimated time frame as to when my account would be reopened. I have spoken to numerous Tier 2 representatives who have all said the same thing, that " they do not know when my account will be opened. '' Without my account being opened, I am having a more than difficult time getting funds from the CA EDD and have not been able to open my fraud claim/ get my {$1000.00}. One BofA agent warned me against opening a fraud claim, saying " Be careful about opening another fraud claim because the EDD could freeze your account again. '' However, it is BofA that won't release the freeze on my account. I have reached out to my local representative in hopes that they help me get this resolved but they told me it might take 6-8 weeks or longer to hear a response ( XX/XX/2021 ). I also have gotten the number for Bank of America 's legal department and am considering getting a lawyer if this continues.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper claims {$85.00} in deferred late fees on my monthly mortgage statements. I have never been late in a single payment to Mr. Cooper since it took over my loan XX/XX/2017. Attempts to remove this charge have been futile.

Company response to consumer: Closed with explanation