vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: AL

Complaint narrative:
Creditors not able to pull my credit report from Equifax. There is no freeze nor lock on my account and Equifax wont investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
When I inquired about a first mortgage rate for my mobile home refinance, I understood the interest rates were higher for mobile home lending vs a regular site built home. I don't think that is right and would like the CFPB to investigate this, please. No need to get back to me. I know you'll look into this concern. 

The bank is TD Bank. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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:
I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXXXXXX/XXXX XXXX XXXX The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My Ally Home mortgage was paid off at escrow by the buyer 's mortgage company and should not have reported 30 days late. This derogatory mark that is reporting in error is the only negative mark on my credit reports and is dropping my scores by at least 30 points.

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 2021-02-25 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: TN

Complaint narrative:
Please comply with my request to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Last year I sent a verification letter to collector asking for more information about 5 account in collection ( medical debt ). They did not send any proof. The collection agency only updated the accounts in collection with the following remark : ACCOUNT INFORMATION DISPUTED BY CONSUMER. 
Account Numbers : 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 2021-02-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX, and XXXX XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TN

Complaint narrative:
CRA 's refuse to remove fraudulent information from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and DSNB/Macys, XXXX XXXX XXXXXXXX XXXX, and XXXX. The Account Opened is DSNB/Macys  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed there has been fraudulent inquires on my report that I did not authorize. I have contacted Tranusnion, sent the proper letters and they have failed to respond.

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 2021-02-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, XXXX XXXX, and Comenity Bank/Victoria 's Secret. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is Comenity Bank/Victoria 's Secret Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Citicards CBNA, and XXXX XXXX XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Continental FIN CO, XXXX XXXX, and XXXX XXXX. The Account Opened is Continental Fin CO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card, XXXX XXXX XXXX, and SYNCB/JC Penney. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is SYNCB/JC Penney Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, MB Financial Services, and XXXX  XXXX. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is MB Financial Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Payments to bank in XXXX and XXXX of 2020 were put into the wrong account. 
Was told it would be corrected in 24 to 48 hours and I would receive a phone call confirming. No phone call and no correction. I was also told a letter would be sent to credit bureau to correct my credit history. I was also told they knew it was the banks fault and my account would not be charged any late fees. I have repeatedly called to find out why the account had not been corrected yet and each person I spoke with assured me it would be. I asked for a 2020 transaction report and it showed several months of activity were missing and the interest rates were too high. That is the only way I knew I had received late payment charges when I called again to speak with a claims agent. I can't get my statement mailed out on time to make a payment, so I just have to send a check in with the account number written on it. This last payment never posted to my bank so I called and they said they had not received it so I made a payment on the phone and according to the transaction report, the payment went to straight interest and no principal. 
I have spoken with at least 20 different people that say they are sorry and they will get this fixed. It takes over 2 hours or more to even get done with the call from start to finish. My XXXX I need for taxes in incorrect. Of course because my account is still not fixed.

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 2021-02-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX, and DSNB Bloomingdales. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is DSNB/Bloomingdales Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  Discover Financial, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
When I checked my credit report last fall, I noticed a derogatory mark on my report : a {$980.00} collection from Transworld Systems Inc/XXXX opened XX/XX/2020. I have never had any interaction with either Transworld Systems or the original creditor. I also have never received any sort of information from them ( mail, email, etc. ) stating that I had an outstanding debt owed to them. It is completely unfair that they are allowed to place a derogatory mark on my credit report, negatively impacting my score, without at least attempting to contact me or giving me the chance to address the validity of this debt. It is wrong and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
rvest Central Mortage is overcharging for closing documents. They give you an estimate prior to closing they call it a Release Fee, If you request a receipt they instruct you to perform the labor to go to the county and get it yourself. In my case the actual cost of said fee from the county was lower than the estimate, and they never returned the money even after I sent certified mail requesting the difference. This is fraud.

Arvest Central Mortgage has fraudulently charged fax fees. Arvest Central Mortgage has not provided any specific written documentation within loan documents nor recordings from Arvest Central Mortgage automated system as repeatedly requested since XX/XX/2020. As such the ( 2 ) {$15.00} fax fees are being viewed as fraudulent charges. If a refund of {$30.00} is not received within 30 days this charge will be viewed as fraud and legal action will be taken immediately. 

Arvest Central Mortgage has caused me to perform labor and mailing cost in which they refuse to reimburse in which is in violation of the Constitution as I owe no one involuntary servitude. Arvest was made fully aware of labor fee cost.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion has INTENTIONALLY damaged my reputation and committed WILLFUL neglect/negligence by not removing inquires. I will continue to dispute this issue until it is resolved.

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