vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 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: PA

Complaint narrative:
There are two accts on my credit report, see attached that have no info, dont know whos owed, XXXX  and Equifax wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to XXXX and Equifax, still pending after all this time wont remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Well I really didnt want it to come back to this I thought the issue was getting fixed but I guess this is how dealing with Huntington bank is gon na be. I was on here before because Huntington messed up my home insurance and wanted to charge me for forced place insurance but we have gotten past that I was reimbursed and they found that they were at fault and I was not so with that said my roof was paid for so Im very happy they stepped up and admitted to their faults but my ceilings are still messed up from the same incident and some how no one from Huntington knows how to straighten the issue out Obviously if the roof was damaged then the inside ceilings were damaged from the storm but whoever Huntington sent out took pictures of the ceilings and then it was like they were lost and after finally getting ahold of XXXX XXXX ( sorry if incorrect spelling ) enough times she found that the ceilings was denied I cant remember the exact reason but if I remember correctly they tried to say it wasnt from the roof being damaged Which is complete nonsense and just plain XXXX I am not a carpenter or ceiling person but I know what damage is and it also looks horriable I have called XXXX many times and just like before I never get a call back and when she directs me to call Huntington insurance they just dont know what the XXXX is going on or dont know how to do their job no matter who I talk to they send me to this person or this part of the company then they send me back and forth just to waste my time and not get anything delt with Ive called XXXX 3 times in the last 3 weeks and I will be caking Monday to And if shes is not able to get back to me then she needs to get me someone who will and also knows what all has happened This is not the first time I had horrible trouble getting ahold of someone or at least a call back my first complaint was the same I want my ceiling fixed Im tired of this cat and mouse game Their next excuse is probably gon na be its been to long well Thats not gon na fly the time it has taken to get even this far is because of Huntington I want a call from someone whos actually gon na solve the whole issue and is gon na actually call me back with their 24hr call back policy I was told about that no one there follows

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: LA

Complaint narrative:
Upon checking my report I found inaccurate information. The information is incorrect and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

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 2020-10-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
My PA unemployment Reliacard was issued by U.S Bank. 
On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. 
I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. 
Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I have no access to my card or money. There are {$3100.00} were used in OHIO. But I live in PA and have never been to another state. 
I called the customer service and they keep hanging up my call while transferring my call to their fraud department. 
After attempting for a few hours they finally filed my fraud claim.

However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. 
Please help me with my unemployment money.

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 2020-10-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

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 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Moneylion keeps reaging my charged off debt and changes the balance owed. My report shows a charge off but the acct keeps reaging and the original date of delinquency updates. Recently this caused a 60 point drop after almost 2 years and they keep updating remarks from Charged off to Moneyloin and then they go back a few months later and edit it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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:
I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: CA

Complaint narrative:
I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.

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 2020-10-04 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:
I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.

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 2020-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My new lender ask for the payoff on my mortgage. They inflated the payoff by XXXX Their calculations were inflated. My payoff without interest was XXXX after interest they charged me for 2 months interest instead of 1 they added XXXX to my payoff on my loan.my monthly interest was XXXX last month. The final Payoff was XXXX The Loan was paid off on XX/XX/2020

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 2020-10-04 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 — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The report shows I currently owe money to your company Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation