vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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: CBC Companies, Inc.
State: IN

Complaint narrative:
XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX XX/XX/XXXX is not an employer. 

Factual data XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CITIBANK, N.A.
State: MI

Complaint narrative:
My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.

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 2020-11-13 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: AES/PHEAA
State: MD

Complaint narrative:
The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX, XXXX XXXX US XXXX XXXX XXXX. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NC

Complaint narrative:
**THIS ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly asked for evidence to support Experian 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and Experian have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
The company is a collection agency but I informed them that this was a debt from a XXXX worker who didnt turn my equipment in. Instead had cable at my address in there name. I reported to there fraud department I thought this was taken care of because I have XXXX still they had to create me another account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Lending Club Corp
State: MI

Complaint narrative:
My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX on XXXX I spoke with a XXXX XXXX and was going to purchase a XXXX he seemed extremely sincere genuine legitimate. I was gon na pay through XXXX and he refunded that as there wouldve been a hold and then XXXX XXXX there was a limit and XXXX XXXX but I didnt know how to use that so we went through XXXX which I never used before and I thought it was safe and through my bank but its not and I lost XXXX I asked my bank to dispute lastnight PNC before it went through the said they couldnt stop it that I would have to call back to get my dispute and money returned and today they said there wasnt anything they could dispute and said it was my fault basically and to file a police report but I havent been able to reach anyone but left several Voicemails Ive tried contacting XXXX they cant help Ive contacted or attempted to contact XXXX XXXX as well as the seller on every avenue I could email, phone, text, social media. He stole my money that I paid Im good faith thinking I was protected by XXXX and my bank how can this be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX  XX/XX/XXXX is not an employer. 

XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed 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 non-monetary relief
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
On XX/XX/XXXX, CAPITAL ONE add a hard inquiries on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
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 America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Taxes and XXXX Insurance are held in escrow by Santander Bank. I had questions about the tax disbursements, specifically item XXXX for Mobile Homes and Utilities. I live in a condominium. Instead of answering the questions about the taxes, the Bank simply omitted payment of homeowner 's insurance.

The Declaration Renewal was sent to the bank as usual on XX/XX/2020. I assumed the delay in payment was because of the Pandemic. XXXX XXXX XXXX began informing me in XX/XX/2020 that payment was due in the amount of {$600.00} and suggested I pay a small portion in order to keep coverage. I did not agree and continued to call, email and write to Santander Bank with no resolution.

Is it possible that Santander can simply not pay the insurance without written notice to me or the insurance company?

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Card received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 informing Discover Financial that all of my debt with Discover has been discharged in bankruptcy court under Chapter XXXX. Discover Card is in complete violation of The Equal Credit Opportunity Act ( ECOA ) under federal law for credit discrimination by denying my application for approval for a Discover Secured Credit Card on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has refused to correct my information from my name to date of birth and even address. I don't use any address but a XXXX XXXX for many years and they added several without getting the information from me. They got the information from a creditor that I have never done business with and refuse to fix it. They have many names that are not mine and my date of birth is wrong and continue to refuse to fix. I have made several calls to them about this and still refuse. You can't verify personal information from a creditor that I have not done business with.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I had opened a financial Account through TD Bank , N.A . Months ago for a purchase with XXXX and had never activated or used the account. I called months ago to close the account and it is somehow still open. I am also still receiving letters in the mail regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX emailed me about updating my account info. I don't have captialone account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Unfortunately, I was not aware of the medical debts until I inquired about refinancing my mortgage. I have not been contacted by the physician or a debt collector. My understanding is my insurance took care of the amounts due at the time of service. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the medical providers and have this debt removed to correct my credit score.

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 2020-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reported that I still carried a {$100000.00} balance on my home credit line through XXXX  XXXX XXXX, when it in fact had been paid off in full!

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Applying for a re-fi of mortgage. Tried to temporarily lift credit freeze so loan company could verify credit. Equifax was unable to " match '' my personal identifying information either via their automated telephone service or their online system, so I was disconnected. On XX/XX/2020 I finally reached a live person at Equifax who indeed verified that all information did match, but was unsure why their system could not verify. She temporarily lifted the freeze for 5 days as requested and sent me a copy of my credit report. She suggested I send a letter with copies of my SS #, Drivers License and a utility bill to them so that the proper department could investigate to resolve the problem. On XX/XX/XXXX I mailed the letter with all information requested. Today, I called Equifax again to try once again to get the credit freeze lifted temporarily, and again ran into the same problem. Once again I spoke to a live person and was told that the letter I sent 5 weeks ago was never received! I faxed the letter and all backup requested again to them today ( XX/XX/2020 ). As my mortgage company now needs to verify my credit one last time, I asked if they could once again lift the freeze temporarily. He refused, I asked him to speak with his supervisor to see if it could be done again as it had been done before back on XX/XX/XXXX. He asked me to hold so he could check, and then the line was cut off. I had been on the phone for more than one and a half hours at that point. Equifax has been a nightmare to deal with. The call tree hangs up on me, their people are uncooperative and it's obviously their mistake somewhere and they can't seem to get the situation resolved. Meanwhile, I am unable to refinance my mortgage which I need desperately to do. Please help!

Company response to consumer: Closed with explanation