vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: TN

Complaint narrative:
I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$8800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$8800.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date OpenedXXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$82.00} written off. {$81.00} past due as of XX/XX/XXXX. 
Account TypeUtility Balance {$81.00} Date OpenedXXXX Dispute XXXX XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$1900.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT SPRING, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY GEORGIA XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
In response to CFPB compliant # XXXX and the company 's response to my complaint. NCS ( National Credit Systems ) did not provide the supporting documents as requested via to my e-mail or by certified mail within 30 days under federal law. NCS claimed to have mailed on XX/XX/2020 the documents to the address given in my e-mail and it came back as returned?? Provide to me the evidence.. It's very simple, prove to me that the documents were send to me within 30 days as you state. NCS can't because there is no supporting documents and the debt is invalid and they know it. NCS has violated federal law on every level and I hereby demand the debt be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase bank account in XX/XX/2020, that they gladly open fully online. I decided since I wanted to have a relationship with this bank to send my unemployment there which to my delight was the same week NY Unemployment sent me all the back unemployment they owed me since XXXX which totals of more than {$23000.00}. Unemployment funds are taxed funds and XXXX decided to froze my account. I told them I couldn't go to the branch because i am XXXX. I can't walk and I can't see from XXXX XXXX. My health is very fragile with my XXXX  XXXX and my XXXX XXXX XXXX that has caused me to lose an eye and both my legs. I am not going to pay for unemployment funds that XXXX wants to keep for their own personal use. They think is fraudulent I don't know this bank seems to do a lot of illegal practices, I do not care at this point if they want to bank with me or not. I need them to send those funds back to NY Labor because thats their funds. They have no right to keep those funds that i will get taxed on while I never touched those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
This company is reporting on one of my credit reports that I owe a collection with XXXX, I never had an account with XXXX  before they have not provided me with any verification that this account is indeed mine. They are currently affecting my credit report with this debt that have failed to provide proof that I actually owed, no signed contracts, no paper work with my information on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I took a loan with one main financial a couple years ago and 1 condition of getting the loan was being required to purchase an insurance policy to pay the loan in the event of loosing income. In XX/XX/2020 I was affected by covid and lost my income of over XXXX dollars a year. I imidiantly went to one main and filed a claim which was rejected three times before being excepted. ( I HAD TO.KEEP MAKING PAYMENTS DURING THIS PROCESS ) They paid three months only and quickly began billing me again I paid every month even without having a job. Now I am back at work making XXXX a year and still having difficulty making my bills. I have a payment due for XXXX and have been receiving 5+ calls a day numerous texts. Emails and voicemails regarding this payment which should not be based on my original contract. Terms did not state monthly recertification or limited payment but clearly stated loan payoff if loss of income. At this point I am iritated to say the least as I was forced to purchase this insurance and it is not being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage servicer ( SHELLPOINT MORTGAGE ) since the inception of the cares act has been putting my mortgage in forbearance and upon my request has deferred the forbearance to the end of my mortgage until recently they are now telling me I'm no longer eligible for a deferment and are looking to make payment arrangements with me while I'm still in XXXX   due to covid. 

It is to my knowledge according to the Cares Act that I can request a deferment for the first 180 days and if need be can request another 180 days if still in hardship with no questions asked of my current financial situation due to covid. 

I have not been able to speak with my representative XXXX XXXX of Shellpoint Mortgage. He claims he has called me but never leaves a message regarding contacting me. He did email me saying he called me and I emailed him back and have not received a response to my question about defering my mortgage and how I understand that I have 360 days where I can defer my mortgage and other representatives I am getting on the phone are telling me I'm ineligible for deferment? 

Also I have concerns about my escrow as to who should be paying my taxes and home owners insurance? I understand that the servicer ( BANK or SHELLPOINT should also be paying that as well???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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:
I am a victim of identity theft. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et  seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TN

Complaint narrative:
I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Complete Credit Solutions, Inc.
State: IL

Complaint narrative:
COM CREDIT SOLUTIONS HAS ENTERED A COLLECTION AS OF XX/XX/19, ON BEHALF OF XXXX XXXX IN THE AMOUNT OF {$1700.00}. 

THIS DEBT IS NOT MINE. IT IS FRAUDULENT. I AM NOT ABLE TO VALIDATE THIS DEBT. I WOULD LIKE IT TO BE REMOVED FROM MY CREDIT REPORTS ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NJ

Complaint narrative:
I disputed these accounts on my experian account several times and they just keep coming back verified or meeting the requirements of the fcra which seems like a automated response being that no investigation took place. When I request for proof of verification they never send me none, also they are the only bureau still reporting this inaccurate information about me. For instance theres a collection in my account right now from convergent outsourcing, no proof or documentation that I actually owe this debt has been sent no proof of signed documents saying that I owe this debt and yet it still remains on my report, then when you try to call and speak with someone its hard to reach someone, then when you finally do they hang up in your face, theyre very rude, no helpful at all. Also I pay for the membership and its saying for my other bureaus the accounts are gone once I provide card information to on then I go to annual credit report and the accounts are still there. They need to fix this error because its very misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TN

Complaint narrative:
I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: FL

Complaint narrative:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS MADE BY ME. PLEASE RE-INVESTIGATE THE ACCOUT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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:
I am a victim of identity theft. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TN

Complaint narrative:
I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law the bureaus had thirty ( 30 ) days to complete their re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Sincerely yours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bank with Regions in XXXX, Georgia. I contacted my bank because I have fraudulent activity. I was told I have to wait for the purchases to go all the way through to make a claim. 
this all happened XX/XX/2020. My bank has made no action to get my money back. Here are the charges : XXXX XXXX XXXX  : {$1.00} XXXX XXXX  XXXX  : {$1.00} XXXX : {$23.00} XXXX  : {$39.00} XXXX XXXX : {$80.00} XXXX* XXXX : {$5.00} XXXX : {$5.00} XXXX XXXX  D : {$1.00} XXXX XXXX XXXX {$16.00} XXXX  : {$10.00} XXXX   : {$25.00}

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