vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: PA

Complaint narrative:
I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-10 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: FL

Complaint narrative:
On XX/XX/21 a letter was sent to credit reporting agency disputing accounts on my credit report. I demanded to see verifiable proof that these account belong to me. It has been well over 30 days and have not received a response or conclusion of the investigation

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 2021-08-10 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: CA

Complaint narrative:
Hello, My name is XXXX XXXX, Im reporting wrong information on my credit report. I never had a city card before but it's on my credit report. 
No other Credit bureau has it. Only Experian has wrong information on my credit report and it makes me hard to get a student loan this year. I already paid for my own. But I need to borrow lone for next year. 
I need a student loan from my school but the school can not qualify me for loans cause of the wrong information on Experian. Please look at it one more time and remove this, please. I can not finish my major if they can not qualify me also I can not go back cause no money. Please check one more time and remove this. I need help please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
current bANK has stolen {$4.00}, XXXX  from me i have proof attached is conversations between ; current bank and i as well as XXXX XXXX and i. i will be seeking a lawyer to prosecute all parties named will be held personally accountable for their role in this debacle of my livelyhood. THE MESSAGES MAKE IT VERY CLEAR THAT THEY HAVE TAKEN MY MONEY THIS IS A RECORD THAT WILL BE HELD AS PRIMA FACIE EVIDENCE IN COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was denied the credit for the Chase Business Ink card because they said I have a history of delinquency per XXXX  with XXXX  XXXX on XX/XX/2021 ( which I informed them, on XX/XX/XXXX, that this is entirely incorrect and not on my report ). I requested my XXXX  report after denial and it too reflects no delinquencies at all. Chase told me I would have to reapply for the card in order be reconsidered. This is something I will not be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report.

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit re

port. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX  Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was transferred to Shellpoint Servicing starting on XX/XX/2021. 
My Loan Number is XXXX First Problem : On XX/XX/XXXX they conducted a Escrow Analysis and there was a surplus of {$1400.00}. That amount was deducted from my escrow account on XX/XX/2021. The escrow analysis statement indicating the that there was a surplus is dated XX/XX/2021. I was told by two representatives that the check was mailed out same day. I don't believe that to be true as it is unlikely they would mail a check the same day as the escrow analysis. Today is XX/XX/2021 and as of yet I have not received the surplus check. Tomorrow is 29 days since the account was analyzed and the surplus amount was deducted from account. Included is the monthly statement.

Problem Number 2 : As of yet this account is not being reported to the credit bureaus. We are 70 days into this. I see this is an ongoing issue with Shellpoint.

Problem number 3 : Shellpoint seems to be slow at things that benefit the consumer aleast they are very fast at things that benefit them. Within 30 days of being transferred I received a letter stating they did not have the HOA required insurance for the common area and they would be force placing the insurance the HOA is required to have. This would mean I am buying insurance for my neighbors house as well as the common area. I have since submitted the required documentation and we are all squared away but how is this practice legal especially in California?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
On XX/XX/2021 Equifax received notification in accordance with the Fair Credit Reporting Act of Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) for which a block was requested pursuant to 15 USC 1681c-2 ( a ). I have not seen or been presented with documentation or evidence reflecting the block. 

I furthermore have not seen or been presented with documentation or evidence reflecting reasons for declining the block in accordanc

e with 15 USC 1681c-2 ( c ) ( 2 ). Equifax is in violation of 15 USC 1681c-2 ( a )
for failing to block the information identified as identity theft by I, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX  XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. 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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National credit systems-XXXX XXXX. account XXXX This is stolen identity. I have filled all of the necessary paperwork including a police report and reported it to the federal trade commission as well. The amount was for XXXX. This is not my debt. I have never even lived in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Cornerstone Holdings, Inc.
State: AK

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Misrepresentation of available credit balance. 

I paid partial balance and available credit was shown. Citi Cards closed my account with no prior notice and immediately. I was unable to access the stated available credit and this left me in a more difficult cash position. This may be construed as misrepresentation or an otherwise incorrect statement of available credit. 

I have no animosity towards Citi, but this is a dangerous precedent, not only for persons but for banking. This kind of stuff causes crashes.

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 2021-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, 15 US C 1681a ( 2 ) ( B ) right of exclusions and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
Equifax is publishing information on my consumer report that should be excluded pursuant to 15 USC 15 USC 1681a ( d ) ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wrong inquiries from Wells Fargo Without my permission! 
On XX/XX/2021, I received a reminder that theres a hard inquiry added onto my credit report from Wells Fargo, but they didnt get my permission or any application from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Freedom Mortgage Company
State: SC

Complaint narrative:
I filed a complaint regarding a credit report from our previous mortgage company over a month ago. Contact with you led to them calling me a few days later ( something we haven't been able to get them to do for over a year ). They had tried to put us in foreclosure last year, but I was XXXX XXXX military. What they did was illegal and it took XXXX points from our credit score. When I finally got home after XXXX, we were forced to quick sale our home and move into an apartment. Now our lease is up and we have nowhere to go, and can't even renew our lease where we are because of our credit score. When you contacted them last month and they called me back, they claimed all negative remarks would be removed from the account and our points would be returned. However, we only saw a XXXX point bump the day after that conversation and haven't seen a single point from them since then. It's been over a month, we are about to be homeless, and I want my credit fixed. I can't allow my child to be homeless because a mortgage company refuses to fix their illegal mistake.

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 2021-08-10 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-08-10 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report asap. 


1. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 


3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Left NY state for good as of XX/XX/2020. Contacted my cable provider numerous times about termination od service. Due to COVID shut down it was impossible to get in touch but after numerous emails and phone calls in XX/XX/2020 someone did contact me and confirmed service was terminated. I received attempts from other creditors and now convergent is the latest.

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 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: NV

Complaint narrative:
My mortgage company, Homebridege Financial Services , Inc. ( HFS ), claimed to pay my home insurance renewal fee to XXXX XXXX XXXX ( XXXX ) .The fee was {$830.00} and HFS claims to have paid the full amount of {$830.00} on XX/XX/2021. XXXX claims they received a payment from HFS of {$590.00} on XX/XX/2021. XXXX claims that there is a policy balance of {$230.00} and that I must pay for it since HFS did not. I have contacted both HFS and XXXX on several occasions to sort things out. Their accounts remain the same : HFS claims they paid {$830.00} ( the full amount ) to XXXX while XXXX claims that HFS only paid XXXX {$590.00} and that I owe the {$230.00} balance. Both companies have paperwork that backs up their respective claims.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation