vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft and I have been asking Capital One and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized Capital One and XXXX XXXX to open an account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft and I have been asking XXXX XXXX and Citi Cardsto update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized XXXX XXXX and Citi Cards to open an account under my name.

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 2019-11-10 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 and I have been asking XXXX XXXX and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with Experian credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized XXXX XXXX and XXXX XXXX to open an account under my name.

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 2019-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I was in forbearance and recently it has been changed by Great Lakes with out notifications. The name on the loan does not belong to me and I asked several times to verify and validate the loan that it belongs to me. Great Lakes has false information and continue to change things including the name of the school and location. I am confused and do not understand why they are doing this to people and they are very rude when trying to handle this issue. Can you please assist? 
Great Lakes XXXX XXXX XXXX XXXX, WI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX, I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX, TRANSUNION, XXXX, THE DEPARTMENT OF EDUCATION AND FEDERAL STUDENT AID DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA/SEE UCC CERTIFICATE NUMBER XXXX ORDER NUMBER 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 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX, I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX, XXXX, EXPERIAN, THE DEPARTMENT OF EDUCATION AND FEDERAL STUDENT AID DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA/SEE UCC CERTIFICATE NUMBER XXXX ORDER NUMBER 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 2019-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
While my payments were being deducted from my bank account the first of every month SLS doubled my contractual payment to correct errors of SLS. 
I have not missed any payments but SLS took my XX/XX/XXXX payment and did not give me credit for it causing my account to remain delinquent for over a year ruining my credit. Why to cover illegal inaccurate spreads of escrow shortage of funds in their possession. SLS ' failed to file insurance claims to correct their errors which and refused to honor my request that a Stay be placed on any/all account activity until SLS corrected said errors in handle my escrow. Said failure has resulted in one and a half years both financial and emotional abuse due to errors of SLS and failure refusal to correct them in a timely manner, which must end now, in XXXX of XXXX. 

SLS doubled my monthly payment to correct errors of miss calculating my escrow, refunding excess escrow, reducing my monthly payment {$660.00} for 10 months, everyone knows 10 x {$660.00} is {$66000.00}, but SLS insisted I had a {$19000.00} escrow shortage and refused to produce escrow bills paid to demonstrate said claimed shortage. To prevent my home from going to foreclosure due to said increase/unaffordable payment I suggested the funds be taken from my principal account instead. For the next 100 days SLS slowed removed over {$9000.00} from my principal account to reduce said shortage down to over {$10000.00}. SLS changed my payment in XXXX, XXXX, XXXX and XXXX of XXXX for said illegal changes in payments and took my XXXX payment without me missing a payment causing my account to be one month delinquent for over a year ruining my credit. 
Since SLS discovered said errors in XXXX of XXXX they have been destroying our lives both financially and emotionally and it must end now,

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 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with Barclays Bank Delaware resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.

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 2019-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Good Night, I purchased furniture at XXXX XXXX XXXX, they offer me a Credit Card from Comenity Capital Bank, they offer me 12 month financial without 0 % interest, they only said that then will be charge 29.74 %, I finish paying but somehow I get behind on the last payment which I complete few weeks later, they are charging me extra money and they didn't stop, they said I have to pay the interest of the full loan even that I have done the old payment which are like XXXX form the original XXXX because that's on the contract, I spoke to them and I explain that I never receive that information, for me is unfair, I signed into digital screen and didn't receive any verbal no written information about this, only they said that It will be 29 %, they said that there is nothing that they can do and in order to stop doing more charges I have to pay the full amount. they usa a sister to remind you when to pay but actually they remind you when you are already past due. I need to first get in to a fair solution and then close the account with this bank I have never had problem before with any kind of credit. I also going to send the only documentation that I receive when I open the credit card. Thanks a lot Have a good night

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with XXXX XXXX XXXX  resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with JPMCB- Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Why didnt the hospital send me a bill on this amount of XXXX I never received and bill or a past due notice about a XXXX bill if I had it would have been paid but due to their negligence I never received a bill nothing at all about this so they send it to collections totally wrong on their part ruining my credit for again their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with XXXX Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, 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 Equifax 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 Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Reviewing today XX/XX/XXXX my XXXX XXXX account, I found a collection from Capio Partners claiming {$120.00} from original creditors of XXXX XXXX Hospital. Also, I received a letter from this company Capio Partners dated XX/XX/XXXX about the same claim for a service at the XXXX XXXX Hospital from XX/XX/XXXX. 
I have never been or received any treatment on this Hospital at all. 
Please help to eliminate this collection that is affecting my credit score! 
Thank you very much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit score online, and found that a hard inquiry had been made on my credit that I do not recognize. It shows no contact information on who made the inquiry, and I have never applied for a loan, mortgage, or credit card. Since I don't know where the hard inquiry came from, I have no way to contact the company who made the inquiry, and therefore am worried about attempted fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: LoanCare, LLC
State: NV

Complaint narrative:
For LoanCare, the Late Payments are not correct.

My payments were less than 30 days Late. By Federal law, a late payment can not be reported to thecredit reporting bureausuntil it is at least 30 days past due. I sent them copies of enclosed proof of bank Checks, Bank Statements, and online Bill Pay. 

Payments Cleared : XX/XX/XXXX {$1100.00} LoanCare Online ; XX/XX/XXXX {$1100.00} CK # XXXX ; XX/XX/XXXX {$1100.00} Conf # XXXX ; XX/XX/XXXX {$1100.00} CK # XXXX ; XX/XX/XXXX {$1100.00} Conf # XXXX ; XX/XX/XXXX {$720.00} Conf # XXXX ; XX/XX/XXXX {$400.00} LoanCare Online ; XX/XX/XXXX {$1100.00} Conf # 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 2019-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: TrueAccord Corp.
State: ID

Complaint narrative:
I was turned over to a collection company for the debt I incurred with XXXX  XXXX, the collections service was XXXX XXXX XXXX. On XX/XX/2019 I took a settlement amount to pay off my debt and paid the first payment of XXXX. There were to be made two additional payments of the same amount on the first of XXXX and then first of XXXX and with drawn automatically. A week after I made the payment, I began receiving emails for the full balance even though I already took the settlement and made a payment, they were not even acknowledging the payment I made and demanding full balance. I called and spoke with someone and they said it was fixed however it was not. I continued to get demand payment emails and they would not fix the problem. I waited to see of the payments would come out and they did not, only the first payment drafted and then nothing. They will not post the payment I made or honor the debt settlement. They lied to get a payment out of me and then they are not even crediting my account for the payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I brought my car to XXXX XXXX XXXX for a repair and they instead traded my car for a new car. 
After a horrible sales experience we signed the paperwork. 
Sales problem was they refused to disclose the cost of extended warranties claming it was variable based on the loan. 
They also claim the warranties are good at any XXXX. However my experience with my previous car proves that not to be true. Yet they insist it is. 
They said several times I should trust them. 
Then after I agreed to the terms. 
I was 1/2 done moving car seats and such from the old car to the new and they came to me with a {$960.00} bill for the repair on the car I just traded. 
What was I supposed to do? 
Nevermind that the repair estimate was {$750.00} So I argued about the price but they insisted with 3 large salesman that I had to pay. Claiming I defrauded themby not telling them the car was in their repair shop. 
This was not true but again what to do? 
So I paid with Credit card. 
Is this what is referred to as a shake down. I had to think of the safety of my family at this point. 
Wrong just wrong and Im out the money. 

Guess I should have listened to my gut and never considered buying from this place. However I need a car to get to work. 
What has happened to our country and honesty?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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:
Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago

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 2019-11-10 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:
Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago

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 2019-11-10 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:
Self Lender / XXXX XXXX XXXX  has ruined my credit from their own derived fraudulent methods and stolen the small amount of money Ive put in thus dropping my credit by more than 137 points. All three credit companies since the Equifax fallout and my info being spread all over the dark Webb and fraudulent inquiries and accounts. 

Become qll three credit companies have difficulty verifying who I am I can not submit fraud reports directly to the CRA and am unable to start a proper investigation unless I pay for all three and their monthly fee. 

I cant afford that cost.

Company response to consumer: Closed with explanation