vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 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: CITIBANK, N.A.
State: WA

Complaint narrative:
A purchase was made at the Macy 's store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from Macy 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. Macy 's made no attempt to contact me about the account balance. Macy 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue Macy 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with Macy 's.

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 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I filed bankruptcy on XX/XX/2018. I also filed a reaffirmation agreement for the car loan. That was all received by Citizens. The have written off the entire amount of the loan. It no longer shows on my credit report. I have tried to make payments but there is no account to make payments to. They are claiming I still owe {$3900.00} but I have no way to pay. No address no account no nothing. This has been going on for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I notified Equifax for the past year that a company by the XXXX for the amount of {$1000.00} as a " revolving credit card '' has been reporting a credit card that I have never had. The account has been disputed for several months, I have submitted a police report and a FTC affadavit. The account was removed and then was placed back on a " revolving FHA Mortgage ''. I've researched this company they don't even handling mortgages at all! So now I don't have a credit card that doesn't belong to me but a mortgage that does not exist. Even the Equifax rep stated that they don't know why it was a able to change from a " credit card '' to a " mortgage '' yet still when the investigation was completed in less than 30days with  no documentation they stated that the account was verified and accurate. Equifax rep stated they do not get written documentation but simply an email. Meaning anybody can report anything and that their investigations are basically non-existent. My information was breeched during their XX/XX/XXXX breach. I also notified Equifax that I was having issues obtaining my credit file and many companies were pulling a different credit profile with similar identifying characters but with a different social security number. I was advised by an Equifax representative that the file containing a different social security number had been deleted but when I recently applied for a loan the file came up on the banks server and we had to try several different ways to pull my correct credit profile from Equifax. This company has not been helpful at all. I don't understand how they can continue to report accounts that don't belong to me and allow the credit to change the type of account as they please. The account was disputed 57 times between XX/XX/XXXX and XX/XX/XXXX as a " revolving credit card ''. After that it was removed and placed back on XX/XX/XXXX as a " revolving mortgage ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Has not investigated the items attached on a timely fashion ... 
I have list of errors attached. 


The credit bureau doesnt take time to check to make sure

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 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/19, I visited a branch to get help with my account which was being charged for multiple insurances fraudulently through insurance brokers. I worked with XXXX XXXX, who opened another checking account for me and moved my money from the compromised account. At the same branch visit ( XXXX 5/3 branch at XXXX XXXX XXXX XXXX, XXXX OH XXXX ), XXXX was supposed to be assisting me with adding my daughter as power of attorney for all of my accounts. We submitted the notarized documents and were assured that the info was added. However, almost a month later, my daughter is still not added and is unable to help me with my accounts without me there or on the phone. I am a XXXX year old retired XXXX XXXX veteran who is not at all tech savvy. I have been asking my daughter to help me because my account was repeatedly being overdrawn by these insurance companies who I couldn't reach to cancel my accounts because I don't have any of the policy info. Instead, we have been told that there is no fax number to submit the documents, but that I have to go in to the branch. I went to the branch twice today and was convinced to sign up for a loan rather than what I need help with. It has been brought to my attention that this is elder abuse. My daughter can not take off of work to go in to the branch with me everytime in order for my requests to be met. Also, it appears that even when she does, that this bank would rather continually tell me how they can't help me than actually even attempt to help me other than getting me to sign up for new products, which I'm sure is more in the bank 's interest than mine. I just want to be able to pay my bills and not be taken advantage of. Yes, I understand that we can go in to the branch or mail in the documents, but the situation has already not been rectified in almost a month. As a 2x XXXX XXXX survivor, what I really want to do is live out the rest of my life without this type of stress. I've been with this bank for several decades and I can now say that I would never ever recommend this bank to anyone. The person I spoke with this evening ( XXXX ), told me that he can not give his last name for privacy purposes and can only give his supervisor 's last name ( XXXX ) ... that is very interesting, considering that the branch employees give their full names. It sounds a fishy as the banking practices 5/3 uses and it also sounds like a convenient way for there to be no accountability. I'm trying to help myself, but obviously, I'm not important enough to receive help from a bank who has MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: CA

Complaint narrative:
XXXX  criminal background is inaccurate it stats I have a frankly but was dropped to a misdemeanor, due to this inaccuracies Ive been denied jobs as well as XXXX XXXX County housing. I request to have this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
this company is reporting negative, false, misleading wrong information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Bureau Name ACCOUNT RESOLUTION SERVI i paid them in full the are reporting on my credit bureau report that i still owe them and paid 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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A purchase was made at the XXXXXXXX XXXX  store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from XXXX 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. XXXX 's made no attempt to contact me about the account balance. XXXX 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue XXXX 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with 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 2019-10-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN 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 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying on this loan since XX/XX/2011 my loan went from XXXX to now XXXX they not applying any of my payments to the principal, I've had some late fee and deferments, but I have paid over XXXX on this loan and they find a way to add it to my principal, I talked to them about it and they told me something about capitalize interest, that I don't understand, I can pay XXXX a month for the next 10 yrs and still be @ the same balance I don't think it's right, my balance would be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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 a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.

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 2019-10-01 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 a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.

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 2019-10-01 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:
On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.

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 2019-10-01 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:
On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.

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 2019-10-01 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

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 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: WI

Complaint narrative:
My ex husband died at home in XXXX, Florida. He must have owed money to someone affiliated to Ascension Recovery Services whose phone number is XXXX. They called my sister 's landline here in Wisconsin looking for my adult son. None of us are responsible for his debt. None of us jointly own property with the deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
The entire loan process was great until my loan was handed off to a " customer service specialist '' who was extremely rude and deceitful throughout the entire process. My realtor went as far as to say he lied to him and the closing agent I was working with. The customer service specialist tried to delay my loan closing after saying for weeks that everything was in line and that all the documents needed were collected. I later found out he had lied about that and there were documents that needed to be signed that were overlooked on his part. He admitted blame to me on this and then went ahead and told my previous loan officer that it actually wasn't his fault even though it was. One lie after the next. After leaving work early to compensate for my loan officers mistake ( I had to e-sign documents and don't have access to internet where I work ) I manage to get all the documents my loan officer needed. I called and called my loan officers leaving unanswered voicemails and eventually got my officer to answer the phone. He told me my loan would be pushed back to the original date XX/XX/19. The next day I get calls and emails from my realtor and closing agent informing me that my lender did not change the documents to the correct date. Again, I try and try to call my lender and finally get them to sort the whole thing out. Of course I have to leave work to handle this but this is none of my lender 's concern. Customer service is not their strong suit. I asked for a small closing credit which was ignored for several days until I was told I waited too long to ask for a credit. They would have given we a closing credit to begin with but unfortunately it took them four days to get me set up with a realtor. Each day they told me it would be less than 24 hours. My entire experience has been nothing but ignored phone calls, lack of accountability, and poor customer service. I asked to speak to management but was ignored and kept being told I'm talking to the " top tier '' before they moved me up to their next " top tier ''. I have had few honest encounters with their staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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:
i had an a account with XXXX XXXX  i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show 2 repos which is not true

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