vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2021-01-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2021-01-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
On XXXX  XXXX XXXX has an account listed that was opened in XX/XX/2014 this account is also listed on transition as well as a collection account from H & R accounts this account was opened by me however they had the wrong social security number when I called them and corrected the number they immediately closed the account and turned it over to H & R accounts a collection agency I paid off the account and have requested they remove the account information immediately they have refused, I feel that since this is paid and the error was theirs it should be removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
I would like file an official complaint about the delays I experienced while working with GaranteedRate.com whe ; attempting to refinance/consolidation of my 2 mortgages loans with XXXX  XXXX XXXX & XXXX XXXX. I started the refinance process in mid XXXX of 2020 with GuaranteedRate.com and didnt close until mid XX/XX/2020. I provided Guranteedrate.com with all the required documentation such as paystub, W2s and bank statements on the very same day that Guaranteedrate.com asked for them on XXXX XXXX. I specifically want to file a complaint about lack responses from XXXX XXXX and XXXX XXXX. Their lack of follow up and limited knowledge of their own business led to me pay interest to 2 mortgages XXXX XXXX XXXX XXXX XXXX  XXXX for a longer period of time that what I should have. This money should have been applied to my new refinanced loan. XXXX failed to respond to emails and weeks went by in XXXX & XXXX of 2020 without me hearing from XXXX at all. Out of the blue, XXXX XXXX contacted me in early XXXX, she asked for paystubs, W2s and bank statements which I had already provided to guaranteed rate on XXXX XXXX. XXXX was clueless to the fact that I had already been working w XXXX for the previous 6-8 weeks. With a lack of progression on my refinance, I finally had to elevated to VP XXXX XXXX in mid XXXX. When XXXX contacted me, he apologized and offered no explanation other than he accepted responsibility than his team dropped the Ball on my refinance. I expressed to XXXX that these delays would cost me extra interest on my loans and I would never be able to recovered by me. XXXX completely agreed with me and he understood why I was upset. XXXX had XXXX XXXX assigned my refinance and she was very helpful and on top of it as she communicated with me regularly. XXXX XXXX who worked with me from the start to finish on this refinance, was an absolute professional and a pleasure to work with. 

For these reasons stated above, I would like to be reimbursed directly for extra interest I had to pay to XXXX  XXXX XXXX and XXXX XXXX  in the month of XXXX & XXXX as this should been avoided & paid to my new mortgage and not the 2 mortgages that I was getting rid of. XXXX  & XXXX XXXX  calculated the interest listed below. Please contact me with a resolution ASAP. -XXXX  XXXX XXXX XXXX  XXXX XXXX {$280.00} XXXX XXXX - {$82.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX-XX/XX/XXXX2020 - {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. 




Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander is currently under legal litigation. Santander is required to forgive the remaining balance on loans. Santander will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, Santander knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. Santander needs to remove their collection from my XXXX  and XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I used a PayPal feature called 'Pay in 4 ' to purchase boots from an online merchant. This Pay in 4 feature is similar to other online installment loan providers such as XXXX, XXXX, and XXXX, where the the full amount of a purchase is paid by the provider, upfront to the merchant, and the customer pays the provider in four interest-free bi-weekly installments until the amount is paid off. In this instance, the merchant is referenced in PayPal correspondence as SICAP SRL. 

The total amount for the transaction was {$510.00}, which was agreed to be paid in 4 installments of {$120.00}, due every two weeks. I made the initial payment of {$120.00} at the time of purchase on XX/XX/XXXX and a subsequent payment, as agreed, on XX/XX/XXXX. I returned the boots to the merchant on XX/XX/XXXX and they issued a refund of {$510.00} to PayPal on XX/XX/XXXX, which should have cancelled out any future payments on this transaction and allocated a refund of the funds already paid to PayPal. On XX/XX/XXXX, PayPal refunded the two payments totaling {$250.00} to my PayPal balance, as opposed to the credit card originally used to deduct the funds, but locked my account access to my PayPal balance so that I am unable to get my money back unless I upload a copy of my Government ID. As a side note, this lock was apparently placed on my account due to a suspicion of fraudulent activity, however PayPal has continued to deduct funds from my checking account, debit card and credit cards without concerns or mentions of fraud. This has been as recent as XX/XX/XXXX. Since the refund, Paypal has continued to bill the monthly installments to my credit card, as well as late fees, totaling {$270.00} despite receiving a full refund from the merchant several weeks ago. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this issue with no resolve. It was supposed to be escalated to management on XX/XX/XXXX - this also has yielded no results. The Case ID for the escalation is XXXX. I have not received any help on the phone, instead I am bounced between representatives who are unable to answer my questions let alone assist and PayPal has made it so that I am unable to seek resolution using their online resolution/dispute feature on their website. 

Not only has this matter been handled poorly, PayPal is fraudulently deducting funds from my account as well as holding my refunds XXXX under false pretenses. I have filed a dispute with my credit card company and I am further examining PayPal 's actions towards my account to determine if additional complaints with the FTC and SEC are appropriate. I've enclosed documentation that illustrate the transaction history between PayPal and myself in reference to this particular transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a XXXX XXXX I came home after 6weeks of being on an assignment. I was going through my mail and I had letters from XXXX XXXX, XXXX XXXX, Bank of America all advising me of my status in attempts to open new accounts. I have NOT at anytime attempted to open accounts with ANY of these banks. XXXX XXXX  declined the attempt, XXXX XXXX bank required in person Identity due to the " Patriots act '' and Bank Of America opened the account and even sent a bank ATM card to my address with instructions for activation. There was a balance established in the amount of {$600.00} on the Bank of America account. It also sounded like paper checks were issued but that did not come to my mailbox like the ATM card did. I tried to contact them but they would not even talk to me unless I gave them my social security number. I am terrified that my credit is going to be damaged or impacted in a bad way. Someone is trying to steal my identity. My personal bank is XXXX XXXX XXXXXXXX XXXX. And I have contacted them. They told me about the federal trade commission. Please help me. I work too hard and have struggled to much to have some evil person rip it all out from under me with fraud and Identify theft. I attempted to upload documents but your site would not let me upload my documents. Thank you very much, 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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a checking account with Chase Bank. Over the past 3-6 months, I am receiving text messages that incorrectly describe withdrawals, deposits and XXXX activities. For example, I receive text messages indicating that I owe money using XXXX or incorrectly made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: GA

Complaint narrative:
XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my XXXX  and Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my Experian and XXXX  credit report.

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