vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$2500.00}, {$0.00}, {$5100.00}, {$4000.00}, {$2100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been fully denied all my rights as a person that had been a homeowner that had been divorced then fell to default all while the loan with wells fargo in my exhusbands name with us both as the lien holder to upon divorve decree order tried to assume and modify the loan. It was all fully backed with XXXX XXXX with specific rights that allow a divorce decree to then allow the remaining spoce not on loan to automatically assume loan as rights pertain upon the mortgage regulations stated thst Wells Fargo denied to have any type of this to have been allowed then they foreclosed upon also habing wrongfully denied my lian modification ans assumption request that also was never needed upon diborce as I had right to allow myself with divorce decree stating sole home cost as my responsibility thrn also sent Wells Fargo this decree thrn requested multiple reviews to assume or even just get forbarance in written request all denied upon my asking. This is all documented and wells fargo still dienes all of theese issues or any type of wrongdoing as they are concerned.bi have more then enough to prove this all was sone and my home foreclosed reguardles nof monthly request to assume and modify and also to pay currently due total before it was sold anyway but also denied my rights to my home to remain in my name that XXXX. XXXX specifically must have loans per divorce when spouse to take home loan can assume per court order to allow the home to be thiers. I dilled many complaints to make this right then the wells fargo bank never was able to show they ever really did any type of wrongdoing to a wrongfully foreclosing to have been deemed as having happened. This all is also based due to the issue the bank denied all required written and spoken requested assumption and dual modifications as i had a request and the bamk denied my full modification application they had been able to show they somehow dis not recieve due to missing documents they also had to now somehow get away as they denied the trueth that i have those missing documents to prove as wrll was all wrong and negligence was being the main issue as wells fargo had to allow basic XXXX XXXX loans a right to assume as the riggt of ownership thrn allows me to have been the sole person to allow automatic assumptions of loans per divorce when they also denied this multiple times as i requested. This must get correctly fixed to my loan rights have now been fully wrongly denied as they never took any responsible action to ever fix as the mortgage had my rights all in written dorm spelled out that i mever had to be a person required to thrn be applicable as they have no tight to deny this to me per XXXX XXXX rights the loan stated must be asserted.

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 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This goes out to Synchrony Bank ( Belk Rewards MasterCard ). Since XX/XX/XXXX, I have experienced fraudulent activity. Not once, not twice, but I had 6-7 different cards sent to me. ( I was a victim of identity theft ). Here it is XX/XX/XXXX, 9 months later, I have a {$3300.00} credit limit and somehow a {$6100.00} balance. This has ruined my credit and stripped me of my financing power and Synchrony Bank, Belks fraud investigation team, could give a XXXX less! I have turned in numerous fraud claims, at this point in time, they waste 30 days at a time of my time, and tell me it will be handled, just for me to receive letter after letter in the mail, saying that I authorized this purchase or allowed someone to use my card which is the absolute furthest thing from the truth as they continue to come up with excuse after excuse and do anything in there power NOT to fix my issue. I highly suggest you stay away from this company, they are a bunch of frauds!!!

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 2021-04-21 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: MS

Complaint narrative:
I sent Transunion a dispute on inaccurate items on my credit report on XX/XX/2021. I'm sure that it takes 7-10 days for them to obtain it and investigate the inaccuracies that are listed on this account ; however it has now been 56 days and I've have yet to hear from them. I don't feel like i'm being heard about the issues that are at the top of my concening issues. I '' ve already sent out a Notice of dispute letter to Transunion requesting that these account be removed ; since it has not been addressed. I'm not sure what to do at this point then to get a third-party involved in our transactions.

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 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Lost card and someone used it to withdrawal XXXX dollars. Bank wont honor my fraud claim

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I Have received information on debt that Jefferson Capital is attempting to collect a debt that verified as identity theft. XXXX XXXX completed the full with the provided information of the police report that I provided to them, this debt is not mine and should not be attempted or reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2020, $ XXXX has been transferred from my paypal balance to PAYPAL without my authorization. At the first stage, paypal says there is a problem with my paypal account and they didn't tell me what happened but closed my account without a reason, then they told me I can withdraw the balance after 180days, because the money will be on hold for 180days first. However, when I checked my account on XX/XX/XXXX, I found NONE balance on my account, so I checked the recent activity and found the balance was transferred to PAYPAL. I tried to get help but it seems very useless. I thought I can get help from CFPB. The email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted several letters in dispute of inaccurate information in my credit profile. The company has not provided me any proof or documentation as requested. I submitted 5 different letters. 1st dated back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which I receive a credit report with no solution to what I have been disputing this entire time ; and most recent one which was on XX/XX/XXXX that I resent asking for those accounts to be reinvestigated. However, my request continues to get ignored. They are not incompliance with their policy. It is taking them more than 45 days to respond. Once they respond, it is just a credit report with no evidence or documentations. The creditors that said I owe this allege debt, has not contact me. These accounts has been placed with a collection agency and I am unaware of.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
THIS IS NOT MY DEBT AND HAVE ASKED TO THE COMPANY TO VALIDATE, DEBT IT NOT MINE. THIS COLLECTION IS TRYING TO COLLECT ON DEBT THAT I DO NOT KNOW OF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: 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 {$10000.00}, {$4000.00}, {$2200.00}, {$2300.00}, {$5200.00}, {$2900.00}, {$4400.00}, {$0.00}, {$2700.00}, {$12000.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- CLOSED ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 9. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Was not notified of investigation status or results
Company: Avant Holding Company, Inc.
State: RI

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
this company is attempting to collect on a debt that is not mine and they are reporting to credit bureau an inaccurate reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.

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 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: NV

Complaint narrative:
I received an offer for a XXXX XXXX XXXX membership from Discover on XX/XX/2020. It stated that I would receive a {$45.00} cash back bonus on the purchase of a new membership and that it needed to be used before XX/XX/2020. I activated the offer and purchased the membership on XX/XX/2020 ( double checking that the offer was activated before purchasing ). I have the receipt for the purchase as well as the offer email. 

The bonus cashback never showed up on my account I contacted support on XX/XX/XXXX asking about the missing cashback, I received a response to wait until my XXXX billing cycle ended. I waited until my XXXX billing cycle ended to contact them about the matter further. 

I received canned responses, along with a generic " Upon further review on this promotion I can see that the rewards for this promotion has already been applied to all applicable accounts. '' An then " This means that the purchase did not meet one or more of requirements to earn the {$45.00} credit. While I am not able to see what requirement was unfulfilled .... '' I see no reason as to why I was " disqualified '' for the offer. I never held any membership with XXXX 'XXXX XXXX I activated the offer from the email, I used my Discover card, and I did not combine it with any other offer. 

The only reason why I signed up for a XXXX XXXX XXXX membership was because the sign-up bonus made the membership free. To date, I haven't even used the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have submitted invoices to Citibank and filed complaint with XXXX to which the vendor claims they will not work with me. Citibank will not talk to me when I call which makes filing disputes incredibly difficult. I have paid over {$12000.00} to a merchant that has not fixed my diesel truck. It will not crank again after running less than 5 minutes. On the day I picked it up after driving it 70 miles it had to sit an hour before it would crank back up. This is after the mechanic had the truck for over a week. Citibank is not properly following through on documentation being sent to them. As a result, instead of working to resolve my dispute in my favor they are doing very little despite the annual fee of {$490.00} that I pay 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