vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Received one letter about results of a dispute in XX/XX/2018 and another for a review of my identification information in XX/XX/2018. This is my THIRD written  request for proof. I am getting notarized right now and cerified mailed today. In the results of their so called re-investigation letter, they stated info was verified and that these items belong to me. Yet they can't even get my name correct so how am I to know WHO they verified? They refuse to send my any proof of what they have. I've sent a copy of my Drivers License and my Social Security Card where my actual legal name is CLEARLY spelled out. Not my sister or any other names.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX account continues to be reported as a charge/off when account was not a charge off. Account was paid in full and not charged office. Letter has been sent to credit agency who continues to report wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
A felony is on my record that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received a XXXX XXXX alert at the beginning of XXXX notifying me of a medical debt collection from Commonwealth Financial. First, I never received any notification of a debt owed - not a call, email, or mail from the alleged original creditor nor Commonwealth Financial ; this is a clear violation of FCRA. Secondly, I researched the claim and found the name of the original creditor - one I had never heard of - alongside a date that backed to 2014. I made all attempts to try to contact the original creditor, but they do not seem to exist. Most phone lines were out of order, and one that worked went to a hospital - not the company listed. No one could find records of this supposed owed debt. This fraudulent action dropped my credit score drastically in the middle of the home buying process ; in addition, other lenders closed their accounts with me as a result. XXXX has removed this fraudulent claim from my credit report, but damage has already been done. I intend to seek legal action ; it appears there are already lawsuits against this company, whats another one? My fear is that others are paying fraudulent debts to make it go away thinking that theres a chance it may be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Waypoint resource group failed to validate debt. And refused to remove it from my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX account continues to be reported as a charge/off when account was not a charge off. Account was paid in full and not charged office. Letter has been sent to credit agency who continues to report wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX account continues to be reported as a charge/off when account was not a charge off. Account was paid in full and not charged office. Letter has been sent to credit agency who continues to report wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass Bank always hold my transactions over the weekend and do not post my payments until Tuesday or Wednesday of the following week ... when they do that it cause my account to be negative and they charge me {$38.00} for each amount that they post to my account ... however the money was already paid out but they are holding my transactions ... they are trying to say they are paying these charges for me and they have to charge me all those fees ... this is not true because not any of the payments were returned NSF ... its a scam they do this on all my direct deposit of my payroll ... this has been happening bi-weekly since I opened this account in XX/XX/2018 2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 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 mailed a certified signature request letter to Experian on XXXX XXXX. 
The never responded its been past 30 days. 
I mailed another letter XX/XX/2018 certified signature request requesting verification.

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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have confronted Experian with the facts that the accounts included in this complaint are past the statute of limitations to appear on my credit report, and that they should be removed immediately, but they fail to comply with my demands, as they are tied to an out of date, old, not correct address that I used to have more then 10 years ago, which is XXXX XXXX XXXX XXXX, XXXX, XXXX , ND XXXX. I have sent them proof of my current and correct address currently but they fail to comply with removing old addresses from my file, and any old, out of date, closed, paid accounts that are associated with it. I intend to file legal action against Experian for violating my FCRA rights.

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 2018-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have contacted the company via mail certified on numerous occasions regarding this fraudulent auto loan. They keep verifying illegally a fraudulent account opened in my name and ssn to the credit bureaus. They also are refusing to respond to my mail asking for information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I have reached out to you before regarding my never ending problems with Rushmore Mortgage. You told them to return {$8000.00}. They credited it and then increased my amounts again. The reinstatement amounts and the acceleration amounts are skyrocketing. I will attach proof. They are still REFUSING to accept my mortgage payments, and putting my house in foreclosure. This can not be legal, can it?!? Who can put an end to this? I am running out of options and time. 

They also broke into my house and winterized it and locked it. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY 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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
So Ive been waiting for two days to get my direct deposit and when I call the corporate office they just keep on saying that they dont have a estimated time on how long and it ridiculous because I have a life I have to tend to and I need my hard earned money its my grandmas birthday and I cant even get a gift for her like something has to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The date is XX/XX/2018 thr time is XXXX I sit here making a complaint against The American Express Blurbird Card I usually get my Direct Deposit the day or 2 before everybody else I have been waiting patiently for this Direct Deposit only to find out this morning at around XXXX XXXX   that Bluebird is down for scheduled maintenance that was 7 hours ago I tried to call Bluebird and to see how long its going to be down and I keep getting disconnected the phone rings once then disconnects I have not heard of any updates nor have I gotten my Direct deposit that should of been here today I am so beyond upset with Bluebird and will no longer be a customer of theirs please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX  XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED

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 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: LA

Complaint narrative:
I have a first mortgage with SunTrust Bank. My homeowners insurance is due for renewal on XX/XX/XXXX. The renewal premium is {$2900.00}. I logged onto my account today and notiiced this amount was paid to the insurance company on XX/XX/XXXX. However, I scrolled to the previous payment dated XX/XX/XXXX and noticed a duplicate payment of {$2900.00} to the same insurance company. 

My escrow balance is now {$2900.00} short to pay for my taxes which are due in XX/XX/XXXX! 

I have called SunTrust Bank and all I was told is that, " our systems are down and we can't help you now. '' I explained the situation and was told that, " I have to wait until the insurance company returns the money to me, and then I have to re-deposit this refund in my escrow account. '' This is not an acceptable answer to me. What controls are in place within SunTrust to prevent two payments for same invoice being processed within a week? Additionally, a similar incident with SunTrust happened two years ago related to my property tax payment! This loan is only three years old.

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