vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 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:
I have fraudulent accounts on my credit report, see attachments

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 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a balance transfer using my XXXX XXXX XXXX Rewards credit card. The payment of {$510.00} went from XXXX to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX XXXX said they never received any payment. I contacted XXXX to inform them that XXXX/XXXX XXXX has not received the balance transfer payment. On XX/XX/XXXX I had a conference call with a rep from XXXX by the name of XXXX  and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so XXXX could resend funds. XXXX said there was no payment showing in any of their systems to give XXXX a notice of payment rejection. XXXX from XXXX XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. After the conference call I was under the impression that XXXX would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at XXXX with regards to my missing balance transfer payment. On XX/XX/XXXX, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to Chase instead of XXXX/XXXX XXXX. Chase is XXXX and XXXX XXXX parent company. XXXX has sent several messages to Chase asking them to resend my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
Experian does not offer a way to TEMPORARILY lift a credit freeze on the automated system. 

Previous complaint was filed on XX/XX/2020. A report from Experian was sent to me with a phone number to call or a web address to TEMPORARILY LIFT a security freeze for a period of time in order to apply for credit or for any transaction ... '' The telephone / automated system does not allow for a temporary lifting of the freeze only a permanent removal which is required in writing. 

Please add this TEMPORARY LIFTING of a credit freeze to the automated system.

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 2020-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriHome Mortgage Company, LLC
State: DE

Complaint narrative:
I have made every mortgage payment since opening. These people are inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Today I received an alert on my credit report that a company I have never heard of or done business with had pulled a hard copy of my credit report without my consent or knowledge. I called the company and received no response. 

I researched the company through the XXXX and discovered complaints against the company which is a debt collection agency. I have no debt and have excellent credit. They have threatened my credit by pulling this report and I also fear that they may have access to more of my information. The company has an F grade with XXXX. 

I would like to have this inquiry removed by them and an explanation of why they sought access to my credit since I did not authorized them to do so and have no idea why they did it. 

This is the alert I received : Credit Alert New Inquiry Reported By XXXX XXXX/XXXX   XXXX Reported On XX/XX/2020 The company is listed on my Experian report as : XXXX XXXXXXXX XXXX Bulk Purchase Finance Contact info XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I think that this company is doing harmful things to peoples credit and also trying to extort money from people by telling them they have outstanding debt that they don't have. They say that they are a debt collection agency. I suspect that they are operating in illegal ways. I hope you can stop them.

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 2020-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I presently wanted to enroll to a different college. After deciding to commit in their program I was automatically put in the student aid office process. There the loan advisor informed me of a Personal Loan obtain under my mother 's name when I enrolled at XXXX without my consent or her permission. No social security number was provided of hers and the only signature of hers provided was in fact in the copy of my birth certificate which I provided as US citizen proof. The issue is that a profile was generated for me and another for her on Nelnet loan Servicer website. Hers is titled as a Mortgage. Under FSA it's a PPL and the school no longer exist thus request I've submitted requesting signature loan application that I only sign have not been provided by Nelnet, which by the way manufactured the account illustrating Nelnet as the sole loan provider they claim she independently requested. That goes for account in my name. Get this : if I call to speak of the account in her name I'm denied since she has not notified that I'm allowed. So why didn't they notify her that they have an account in her name that has accrued subsequent amount in dept that legalized these businesses to profit margins stemming from causing debt I did attend XXXX did obtain aid. I need this corrected so that I pay it back. My two initial loans were XXXX. The program was XXXX. I worked for XXXX as a recruiter while studying the second half at XXXX XXXX N.campus. As incentive if ONE of my scheduled recruits were closed by a Licensed enrollment counselor my post graduate repayment obligations could reduce. ( 3 ) of my recruits committed. On the last day I was handed a bonus commission check for XXXX. Today according to Nelnet I owe XXXX. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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 RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Commenity Bank, sent notice that they were changing terms and interest rate. You had to either accept terms of service or close the account. My account is in good standing. NO late payments. I accepted terms because I can not pay the balance off in full. The country is in a financial crisis amidst a pandemic at this time. I'm fortunate enough to still be working at this time, but money is TIGHT! This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I was in the process of applying for a loan that I need when my credit score dropped. I was alerted that a collection account from Credence Resource Management placed a collection account on my credit for XXXX XXXX XXXX. I have had phone service with XXXX for the past 7 years and I use XXXX for the past 5- so I have no idea what the account is in regard to but I never received a notice from XXXX XXXX  XXXX or the collection agency before placing the debt on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a response to:XXXX Bank of America XXXX 

I have two credit cards with Bank of America. They told the CFPB that the bank did not know me. But then I was sent a large response about how they did nothing unlawful to begin charging my cards an annual fee. it is not a legal issue. 

The issue is it ethical to begin charging me {$50.00} each for two credit card just after Bank America just started paying a large  dividend XXXX XXXX. Is that ethical?

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 2020-03-22 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: CA

Complaint narrative:
My issue concerns a collection account held by Portfolio Recovery Associates and one which I have previously disputed in order to get documentation as to it's authenticity as outlined in the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 
All previous disputes have gone unanswered. All disputes have been stamped meets FCRA requirements with no actual diligence in meeting said requirements. 
To date, I have received no documentation nor have my disputes been meet with transparency. 
It is my hope that this agency can step in to help mediate this matter and force the collection debt buyer to comply with my request as outlined in the above stated laws. 
I have no knowledge of the account as reported and wish for a thorough investigation so that this unknown item no longer appears on my consumer credit files as it does now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My employment status change to XXXX and I dont know who the company is please 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 2020-03-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received 2 gift cards from Macys for items that were returned. Both cards had the amount of {$170.00}. The cards were issued in XX/XX/20 at XXXX. I tried using the cards and the cards had a XXXX   balance. I contacted customer service and they tell me that I used the cards already. This 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
Consumer complaint received 2020-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had many fraudulent charges on my PayPal account. Someone had used my card fraudulently and I had contacted PayPal about this. I got a new card and they opened cases but all of my cases were denied. This is unfair because its money I world hard for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
on XX/XX/2020 and XX/XX/2020 and XX/XX/2020 and XX/XX/2020 I had multiple attempts by someone to open a credit card through Capital One ... .XXXX  emailed me they had ; I locked my acct and put fraud alert ... .called Capital One and they said it was closed and denied ... .I need an account because someone keeps trying to attack and steal my credit and identity and open up accounts/credit cards The credit card company said it was denied but I want written proof I will not be held liable if anything happens about my credit thx XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
I've had a similar problem with this company before. They recently added two new medical debts to my credit report 1 with balance of XXXX and another with a balance of XXXX I've never received anything about either of these accounts from them. This company believes they can do whatever they want without consequence. The are violating my rights and its not the first time. 

accounts show as XXXX XXXX both are reporting with dates they I had no medical work done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My name is XXXX XXXX I have a BANK OF AMERICA account I filed a claim XX/XX/2020 Claim amount total {$7600.00} Due to the fact that unauthorized purchases and were taken out of my account I followed the steps the banks asked me too and they denied my claim with no reason or explanation They re opened my claim again I waited only for them to deny it again Claim # is XXXX I am very unsatisfied with there services and u please look into it for me I need my money I am victim of fraud all my information was lost

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 2020-03-22 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 recently was trying to obtain an account and checked my full credit report. At that time I saw debts that do not belong to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account numbers XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I have several inquires I never applied for account with the following companies : 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 2020-03-22 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 RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

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 2020-03-22 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:
I RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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:
FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG 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 explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My loan was sold to Shellpoint Mortgage Servicing on XX/XX/XXXX. 
1. I disputed " fees '' and my Escrow Balance on my loan by direct email to two different departments of Shellpoint Mortgage Servicing.

2. I submitted an initial letter in writing on both XX/XX/XXXX and XX/XX/XXXX. 
3. On XX/XX/XXXX I received- by USPS- a letter dated XX/XX/XXXX from Shellpoint Mortgage ; with incomplete, wrong, and no detailed explanation of the " fees '' on my account. There was zero response of the explanation of my escrow account balance. 
4. I then resent my original complaint along with a new dispute letter on XX/XX/XXXX, for my 2nd request for detailed explanation of both my " fees '' and escrow account balance. 
5. It was not until XX/XX/XXXX that I received the written notice they have acknowledged my dispute ( which is beyond the requirement of the Mortgage Servicing Rules. 
6. They have violated this by not responding within the 5 days.

7. They should of originally responded correctly after my first request ( XX/XX/XXXX ) for dispute of notice of error and to also comment- I did not receive a notice of acknowledgement from Shellpoint on the first request for dispute on XX/XX/XXXX. 
8. I did receive a notice from USPS on XX/XX/XXXX from Shellpoint dated XX/XX/XXXX ( which is 43 days after my second request to complete my dispute from the first time I requested notice of error- which has been going on since XX/XX/XXXX ) stating that Shellpoint was " investigating '' my request. 
9. Within the Mortgage Servicing Rules, RESPA, and Regulation X - Shellpoint Mortgage Servicing should meet the requirements for responding to written request and complaints of Errors within the 30-45 days that are outlined and required.

10. Within this time frame of 30-45 days they are to provide me with either : correct the error and also provide me with written notice of correction OR conduct investigation including providing me with written notification of wither or not error occurred.

11. This also falls under the Consumer Protection Statue. Shellpoint Mortgage Servicing is required to provide me with an accurate disclosure of cost to maintain compliance with these statues/laws. 
12. After many request, I am now filing formal complaint for violation of my rights under the RESPA, Regulation X, Mortgage Servicing Rules, and/or the Consumer Protection Statue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation