vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
It appears that there has been a fraudulent charge to my acct. in the amount of {$180.00}. 
also, a payment in the amount of {$28.00} of XX/XX/2020, was not received by this payee from my bank., even though I have proof of an electronic payment being made. 
In addition, I was assed interest charges and a late fee of XXXX because they never received the payment I sent.

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
Consumer complaint received 2020-01-21 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio America Asset Management, LLC
State: IN

Complaint narrative:
They have been send a certified letter not to call and they repeated call against my stating so! They are suppose to communicate by letter to which they have not. I ask them to verify my debt to which they have not done to date.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-21 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: NY

Complaint narrative:
I just recently disputed two XXXX XXXX XXXX, XXXX accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what XXXX XXXX XXXX. did with my paperwork but Experian contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. Experian does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages. 
I just sent copies of the letters I sent to XXXX XXXX XXXX along with my dispute to Experian to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of XXXX XXXX XXXX sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. Experian seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write XXXX words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to 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 non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/2019. The escrow was paid out by AmeriHome Mortgage on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. 

This problem is causing undue hardship toward myself and is unnecessary and unreasonable. 

AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My new address hasn't shown up on report. I've sent proper documentation to XXXX and Equifax to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have an auto loan with ally auto and since updating the app which I used to pay and view my account no longer shows my truck but still shows the other loan I have for car. I repeatedly asked for a statement in mail which they have not sent or fixed issue with app. I'm also almost done paying for truck, and I have also sent more then which was owed monthly and it was not applied properly I believe. I think they apply it towards interest instead of principal balance. Also after reviewing my original contract it states it's a simple interest loan. Also when I first purchased the truck in 2015 I've just noticed that when I cancelled the extra things the dealership sold me service contract etc. those funds weren't applied properly and also the amounts are incorrect I believe. I dont believe they ever had me sign an accurate contract with the correct payments and the cancelled extras they sold me which I cancelled within a day or so of purchase, although I have proof of all the cancellations I had and were supposed to be deducted off what I was financing.I have called ally auto several times over the last 3 weeks or so and they tell me the same thing and also couldn't even tell that it was the fourth time I called. They also said no payment was do this month cause of my over payments which they just deduct off next payment instead of applying toward principal. I've asked for a statement and they tell me it was sent and cant generate another. I cant access my account online to cancel online therefore their system hasn't been sending statements since they told me its automatic and they cant access it. The reps you call are scripted and of no help.

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 2020-01-21 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:
Equifax has yet to explain complaint # XXXX response to a fraud application that shows on XX/XX/18 XXXX XXXX XXXX in which on the application is not my date of birth as social security number as not my drivers lic number. There is clear fraud committed by XXXX XXXX XXXX XXXX> I'm also filing with the US Attorney office with the document by XXXX XXXX XXXX XXXX fraud commited as well as to Equifax not removing the information and have inform my attorney to file a law suit regarding the fraud committed by XXXX XXXX XXXX in regards to the application not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-01-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: MO

Complaint narrative:
Over the past year to no avail I have filed several complaints about the FACTS on my credit report.Under the " fair debt collection act '' I am entitled to proof that I owe the monies stated inaccurately on my TRANSUNION credit profile. It states that collectors must document a claim and Evidence that proves this claim. 
UNFAIR PRACTICES OF REPORTING AND ACCEPTING THIS INFORMATION IS REFLECTED WHEN THE INFORMATION THAT IS PROVIDED ON MY TRANSUNION REPORT IS INCOMPLETE, DOES NOT PROVIDE A COMPLETE HISTORY OF PAYMENTS. 
35 % OF MY CREDIT WORTHYNESS IS DEPENDENT UPON THIS HISTORY AND THE ACCURACY IN WHICH IT IS REPORTED, THAT IS, THE SOURCES THAT PROVIDE CREDIT INFORMATION ALSO PROVE THIS INFORMATION WITH PROPER DOCUMENTATION STATED IN '' THE FAIR CREDIT BILLING ACT ''. 
So, under the FAIR REPORTING ACT all information in my credit report, I ask this info be proven, with evidence or removed from my report to show a more complete history of the Facts of my standings.

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 2020-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC
State: MO

Complaint narrative:
I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were XXXX, XXXX  XXXX  XXXX  and were a mediation company and not the debt collector. The debt collector was actually UHG Llc. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-21 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: MN

Complaint narrative:
Not my accounts reporting

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.

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 2020-01-21 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: DISCOVER BANK
State: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY DISCOVER FINANCIAL SERVICES. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I use to rent from XXXX XXXX XXXX their address XXXX XXXX XXXX XXXX, GA XXXX United States. When I moved out I called them to schedule a walk through but no one returned my calls. So I moved out and left the key with the receptionist at the front desk. Year go by I dont hear anything from them. Two years ago I was applying for another apartment and Im told Im in collections with National Credit System their contact number is XXXX. I called them and they said they are a law firm handling the debt I have with XXXX XXXX. I asked them what debt the read this long list. I told them theres no way Im being charged for normal ware and requested a receipt for all of the damages they were claiming as well as pictures because I left that apartment in perfect condition. I received nothing from them.

Company response to consumer: Closed with explanation