vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 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:
My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!

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 2020-04-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I DID NOT CHARGE ON MY CREDIT CARD.I 'M DISPUTING THE WHOLE BALANCE {$3100.00}

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 2020-04-19 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: AES/PHEAA
State: NC

Complaint narrative:
I am disputing the XXXX, XXXX and XX/XX/2019 derogatory credit reporting. I was under forbearance at that time and should not have been reported delinquent. The representative I spoke with afterward was supposed to correct the credit the reporting, and that never happened. She did setup a new payment due date and monthly payment amount, but never fixed the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Netspend Corporation
State: MO

Complaint narrative:
Hello, My name I have been with brinks prepaid all access account for years now. Within just this year my card has been breached twice this time when they sent a text they said someone called in with a XXXX area card trying to gain access to my account. They said they could not give me any information on who it was. I have been trying to reach someone for 3 days to transfer money to a net spend card like they told me I could until I get my new card and I've got hung up on by fraud department after they said they were transferring transferred back in the que for hours and after holding dead air. At this point this is the worse experience ever and I just want some of my own XXXX money to feed my kids.theu charged me {$25.00} for a new card but it was not my fault someone was trying to access my account that was not me why do I have to pay? On top of that I want have any money to feed my kids for 7 to 10 days. I'm beyond frustrated. I work in customer service at very well known company and would be fired if it got to this point.

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 2020-04-19 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: FL

Complaint narrative:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB XXXX SS 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 non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
LAEVIEW LOAN SERVICING is collecting {$5.00} dollars in my account because I did my payment in XX/XX/2020 and my dispute is because They do not explain me nothing about this charge the only explain was that is their rule. 
My payment is on time is not past due.

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 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Friday, XX/XX/XXXX Phone call XXXX, TransUnion, Supervisor Current File File Number : XXXX Filed Dispute on 2 XXXX XXXX  Accounts Filed XX/XX/2020 Saturday, XX/XX/2020 *By Law 30 days without response from the creditor, I am protected by your organization and it needs to be removed. I spoke to XXXX and she agreed that 30 days was XXXX  on Friday night. I checked my report and no report. 

LAW No response at all. If it's been 30 days after you've sent in your dispute, the credit bureau is in hot water. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. This is good news for you, for you can pressure the credit bureau to remove the listing immediately.

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 2020-04-19 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: CORELOGIC INC
State: OH

Complaint narrative:
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX, XXXX, CoreLogic, XXXX XXXX. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with CACH LLC/RESURGENT CAP Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with CACH LLC/RESURGENT CAP, XXXX XXXX and its successors. CACH LLC/RESURGENT CAP and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with CACH LLC/RESURGENT CAP and XXXX XXXX or owe a debt to CACH LLC/RESURGENT CAP and XXXX XXXX is attempting to collect a debt on the basis of fraud. CACH LLC/RESURGENT CAP and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXX which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately.I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete CACH LLC/RESURGENT CAP and XXXX XXXX, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AR

Complaint narrative:
I have a Us bank reliacard for my child support and I received a payment from child support and paid my rent that was XXXX and I had got XXXX out of the ATM on XX/XX/2020 and right after that they locked my card. So when I call to try to correct the issue I get no response I just get put on hold for like 2 hrs then I get hung up on and this will happen 2 or 3 times a day can somebody please help me fix this issue

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 2020-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a mortgage line of credit with Bank of America. I became 3 months behind XXXX.BOA had me apply for a modification. It took until XX/XX/XXXX to get it approved, probably because they wanted to add on over 2500 in fees. The agreement was that I would make 3 payments of XXXX per month. I made all 3 of those payments. The XXXX payment did not go through because the representative entered the wrong routing and accounting number. 

I received a phone call today XX/XX/XXXX saying I was denied a modification. My payment is XXXX which means I technically owe XXXX. I paid the trial payments of XXXX. Technically I can go into foreclosure for XXXX? This is not right or ethical. I have been trying to work with BOA for close to one year now. I need your help. In fact, this is the second complaint I have sent to you about BOA.

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 2020-04-19 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: LEXISNEXIS
State: OH

Complaint narrative:
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL Lexis Lexis, XXXX, XXXX, XXXX XXXX. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL XXXX XXXX XXXX, XXXX, Sage Stream. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: GA

Complaint narrative:
Alliance Collections has not provided me proof of validation for the accounts listed below : Account # XXXX for {$680.00} Account # XXXX for {$250.00} Account # XXXX for {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: CO

Complaint narrative:
I have a collection on my credit report for a {$XXXX} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX group. I came to a settlement agreement with XXXX to pay {$XXXX} of the {$XXXX} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$XXXX} balance. Experian responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX XXXX XXXX Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The XXXX XXXX Department informed me that there is no contract. During my phone call with XXXX XXXX I found out that that XXXXt did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$XXXX} of the original debt was to be credited to me as a balance of {$XXXX} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$XXXX}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.

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 2020-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have an Auto Loan with chase, however in XXXX, when making the XXXX payment, the payment went to the principal due to an error in the system. I never wanted to pay the principal, I was just making my monthly payment normally. I can't speak to Chase on the phone. I ask that the payment made in XXXX be reversed and applied to the payment due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I have a mortgage FHA loan With first Bank Puerto Rico.The bank automatically solds me a property insurance policy emited with XXXX XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX the island suffer a earthquake 6.5. 
My property have serious damage after earthquake, call the bank and given the insurance company number. 
In XX/XX/XXXX notify about my home damage. 
About 2 weeks later and ingeneer inspected my property and tells me a final decision about 2 weeks later. 
At this time, never been received a decision and the bank send me a letter to renew this policy with the same insurance company. 
I'm very anxious to resolve my home damages, like roof leaks, wall cracked, and home fix to ground damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I have made large payments of XXXX on XXXX and XXXX on XXXX plus all my payments of XXXX a month since XX/XX/XXXX on original loan balance of XXXX but on the loanpal web site and credit reports the balance is still XXXX and they show last apyment was XX/XX/XXXX? i have call several times and filed 2 disputes with XXXX  but nothing yet? i have all the payment confirmation numbers too if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Collection Bureau of Fort Walton Beach, Inc
State: GA

Complaint narrative:
I have submitted several disputes to the credit bureau XXXX  XXXX  and XXXX  to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
I have submitted several disputes to the credit bureau XXXX  XXXX  and XXXX to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: TX

Complaint narrative:
ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that XXXX  The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.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