vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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 am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection 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 2020-03-18 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 am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection 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 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX In XXXX, we received a letter ( dated XX/XX/20 ) from a collection company demanding payment- referencing a disputed debt to XXXX  XXXX XXXX XXXX We then reconciled this company name with numerous missed calls on our phones from this same entity. On one such call, a muffled message was left that failed to identify the caller as a collection company. In addition, the broken English used was incomprehensible. At the time, we were deeply concerned that scammers had obtained personal information and were attempting to access accounts. Needless to say, this created a significant amount of XXXX  and XXXX  on our part that led to needless XXXX  and XXXX. FDCPA section 805 ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. We have also received numerous contacts early in the XXXX that are also likely violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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: GA

Complaint narrative:
A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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:
A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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:
A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
Never received letter notifying of placement of debt with their office. 
beginning in XXXX : Received repeated phone ccalls from Miss XXXX. 
was told the only way to dipute was foor me to mail in letter. 

XX/XX/XXXX mailed dipute, with attached emails ( 10 pages ) and photos ( 5 ) and copies of adds ( 5 pages ). Included state statute that would make this an illegal debt. 

XX/XX/XXXX : Miss XXXX advised she would reporting me and co debtor ( XXXX XXXX ) to the credit bureau regardless of the dispute. 

XX/XX/XXXX : she advised that she did not care if there was not a judgment or writ, she was turning us in anyway. 

XXXX : letter from company saying dispute was not valid. 

XXXX XXXX calls from Miss XXXX ( called back twice ) XX/XX/XXXX call from miss XXXX XX/XX/XXXX : notified I would not pay, this was not a judgmen, she advised they were reporting to the credit cureau unless and until I pay the balance in full. She sais I would need to sue THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: MS

Complaint narrative:
My compliant is that XXXX XXXX XXXX and Perfect Collection is trying to collect on the same debt at the same time. The two companies have the same address as well which makes me believe these two companies or the same company. I never received all the documentation I requested from XXXX XXXX XXXX. I received copy of a sign contract that was not signed by me! That is not my signature. They are in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. XXXX XXXX XXXX fraudulent account is reporting on XXXX   credit files as Perfection Collection. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. Perfection Collection is also required to notify me within five days of re-inserting previously deleted item immediately. I do NOT have a contract with Perfect Collection nor XXXX XXXX XXXX. I have also sent several notices stating that their offer to contract is denied as well as ask for documentation showing that account # XXXX is my account. I have yet to receive any documentation from, XXXX XXXX XXXX. Upon searching my records account # XXXX was first place with Perfection Collection the account was disputed and deleted off my credit report. I did not receive a letter of reinsertion of the account to my credit file nor did I receive a dunning letter from Perfection Collection. The account was then purchased by, XXXX XXXX XXXX on XX/XX/2018. After carefully researching I noticed that XXXX XXXX XXXX has the same address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) as Perfection Collection had. And I also found out through research that they are reporting this account as Perfection Collection as well as XXXX XXXX XXXX. You can not do this under two different agencies. I have attached documentation of this reporting. I also see from the so-called contract that they sent out, they are attempting to collect, on an expired debt based on Mississippi statute of limitation laws. Perfection Collection has been known to be fraudulent and since XXXX XXXX XXXX is also known as Perfection Collection, they are fraudulent as well!! I think I have provided enough evidence to show you that they have committed many violations of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: IL

Complaint narrative:
I submitted a dispute letter to Transunion regarding unverified accounts listed on my report there response was they could not find either of the two listed as unverified I they are XXXX and XXXX XXXX XXXX  there the same company listed twice only report I am submitted t them both f go there TransUnion for deletion. They claimed they investigated but wrote me back stating they did not hAve t them listed with them I know this is incorrect information by them please review the following. 
I appreciate your help and this dept for there attempt in a resolution Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: NY

Complaint narrative:
Not my information 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 explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Previously I got behind with my mortgage due to me being out of work due to me having XXXX. I was behind on my mortgage from about XX/XX/XXXX to XX/XX/XXXX. I paid all of my mortgage in full by XX/XX/XXXX. By XXXX I was current on all missed payments as well as paid all late and escrow fees. The company is still stating I am delinquent as well as reporting it to the credit bureau as me being delinquent which is falsely negatively impacting my credit. All documentation stating payments have been made have been sent in including documentation from my bank to the customer via email. I previously had an issue with Freedom Mortgage stating my checks were not being received and I did stopped payments ( XX/XX/XXXX and XX/XX/XXXX ). Soon as I paid them by phone the next day they attempted to cash both checks which were sent 7-10 days  apart from each other. Payments were made in XXXX and there were several payments made in XXXX. Then to bring me current I made the below payments : XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$260.00} ( Late Fees ) XX/XX/XXXX {$16.00} ( Escrow ) XX/XX/XXXX {$760.00} Payments were sent via email via my bank statement. I called today XX/XX/XXXX and was transferred back and forth between representatives acting like they cant tell me anything or know anything. This has become very frustrating especially when a pay history was sent via the mortgage company and all payments were reflecting but the ones prior to the statement being sent. 

I have called Freedom Mortgage so many times I have lost count. I have been trying to sort this issue out since XX/XX/XXXX. 

This has become extremely stressful  and frustrating especially when I made every attempt to become current because Freedom Mortgage would not offer any assistance when I was out of work due to me not having any income coming in.

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 2020-03-18 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: GA

Complaint narrative:
A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reviewed my credit report and have noticed " XXXX/XXXX - XXXX '' has inaccuracies for Experian. Such as on " XXXX XXXX '' it states I owe " XXXX '', that is an inaccuracy the documents provided show a balance owed of " XXXX ''. " Payment Amount '' is inaccurate as well, it is reporting a payment of " XXXX ''. In the uploaded documents there are payment amounts of " XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: AR

Complaint narrative:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX   XXXX {$62000.00} XXXX/XXXX XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX  XXXX {$900.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX  XXXX {$500.00} XXXX XXXX XXXX {$360.00} XXXX/XXXX   XXXX {$1700.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I am writing you to inform you that Bridgecrest was unwilling to defer a payment, with the coronavirus   and a state of emergency here in Kentucky and across the nation. I would like to warn other consumers that good payment history does not allow you to defer a payment with Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020, I called Capital One to review options regarding Covid-19. I am directly affected, and have two open credit cards with Capital One. I am current on both. 
After a 15 minute wait, I was connected to a foreign call center who was woefully unprepared for such questions. I kept asking what my options were, and the young lady on the other end in heavily accented English kept replying " do you want minimum payment? '' I kept saying repeatedly ( and calmly ) that I do not understand, and to please explain what my options are. 
Eventually, I asked to be connected to a supervisor or someone who understood the recent impact of the pandemic. 
I was connected with XXXX, who was extremely pleasant and noted that we had birthdays one day apart. 
She informed me that the previous agent had made changes to my account and " I should have been told all of this in the disclaimer '' before she went and did it- which I was not. No disclaimer was mentioned or recited, and I still don't understand what was done, but I'm told my due dates would change within the next few business days- At this point the call disconnected. I've been trying to call back, and the wait times are now over 40 minutes. 
Capital One has no email address, no published plans to deal with Covid-19, and their staff have no communication skills to convey options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, a flight was purchased using my debit card for {$260.00} and immediately an hour later, call was made to XXXX to cancel the purchased. It was cancelled and my account was not charged at that time. However, a day later ( XX/XX/2020 ), charge of {$2200.00} was posted to my account from a merchant that I did not recognize the name and I immediately, I called Suntrust to stop the payment that it was a fraudulent charges. Suntrust opened a case to investigate. Nonetheless, upon completion of an investigation from Suntrust, they decided that the charges were justified and I'm responsible for the charges and the overdraft fees that was incurred during the investigation. In other word, Suntrust denied my claim stating it was denied because I had interaction with the merchant. I have called the supposed merchant several times with no success. I thought this was a fraud since I did not purchase anything for {$2200.00}. I want Suntrust to refund my money in the amount of {$2200.00} plus {$72.00} for overdraft fees since I called them less that 24 hours that it was a fraudulent activity. Suntrust has the power to stop any payment that I want them to stop. They are supposed to protect my money and they failed to do so. They blocked my card several times for small amount and did not think they should blocked this large amount before authorizing it. Why I'm banking with them if that can not protect my hard earned money from thieves?

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 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX, i filed a dispute with my american express serve card for a tv purchased from XXXX for XXXX that was supposed to be delivered on XX/XX/2020. It was not and was delivered on XX/XX/XXXX while ibwas offshore. An 65 inche tv was left on my porch and stolen and i called XXXX and notifird them. They were supposed to give me my money bavk since ny item was more than likely stolen and never received by me. I filled out the dispute form and it has been 50 days since i have heard from american express and inhave just been laid off and need my money back.

Company response to consumer: Closed with explanation