vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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 {$0.00}, {$4000.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -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 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, some people sent me a cashier check for {$290000.00} from XXXX XXXX XXXX and asked me to transfer that money to two accounts as a favor to paid them for web sites and graphic designs stuffs. I did it because they told me that they will hire me to do a web site for their restaurant. I believed them. 
Later that day, my bank account was in negative because the check was void. 
I called Bank of America to stop all the transactions and they told me that I should ask them for the money instead. Obviously they sent me another check with a larger amount but I went to the police and called the bank again to proceed with a claim. A month later the bank told me once again that they cant approve the claim and that I should talk to the people that rob me. Its ridiculous how they just believe that this people will give me my money back.

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 2020-12-05 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: GUARANTEED RATE INC.
State: CT

Complaint narrative:
For the last few months I have been searching for a home. I am XXXX & on a fixed income. I know how important my credit score is. I was on CHFA site looking through their 70 + approved lenders as Ive done many times. On the XX/XX/XXXX XXXX XXXX pulled my credit report. No name showed up for well over a week. When it did it had no information who they were. I had to research and find them. When I did, XXXX XXXX said that Guaranteed Rate had them pull my report. XXXX from XXXX XXXX said to remove it I had to get permission in writing from Guaranteed Rate. XXXX gave me their number. When I spoke to Guaranteed Rate they said their policy is I have to get it in writing from XXXX XXXX. I said that makes no sense. You ordered it. Theyre the 3rd party. Youre both saying the same thing thats ridiculous. He just kept saying thats his policy. He also said I probably clicked on one of the boxes that has really tiny writing next to it that gives them permission to run my credit ( anyone see whats wrong w/that but me? ). I said even after you all ran my credit no one from your company reached out to me as if you were providing me a service. I got no mortgage rates, no follow through, nothing. Why would I want to lower my credit score & waste my time that makes no sense for someone working to build up and buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to support To whom it may concern, I have never ordered anything from your website. I have informed my bank that the XXXX charged to my account is fraudulent. Please return XXXX to my cre. 

XXXX XXXX Customer Support XXXX via XXXX XXXX XXXX, 2020, XXXX XXXX  to me Thank you for contacting Customer Support. 

Your account with us is closed, you may consider this message as confirmation of cancellation. 

Additionally, you disputed the charges with your bank, and therefore they will provide any refunds, if necessary. 

For further inquiries or to make changes to an existing order, please call ( XXXX XXXX XXXX to speak with a live customer service representative. 

Our courteous and efficient staff is available twenty-four hours a day, seven days a week including all Federal holidays ; please understand that hold times may vary depending on call volume during peak hours. We can assure you that all of your questions and/or concerns will be resolved, and you will be completely satisfied with our outstanding service. 

Thank you, Support

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 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: AL

Complaint narrative:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$310.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$910.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Santander reported my closed charge off account as open. Prior to that date it was being reported as a charge off closed account w/15 charge offs and is now reporting as open with 15 late payments. I believe this was done as retaliation for me filing a dispute with the CFPB regarding their business practices. This lowers my score because it is perceived as an open account with late payments. It also increases my debt to income ratio because the balance is added to my open current accounts. There has been no payment activity on this account since XX/XX/XXXX so what caused the account to be reported as open or reopened? Also, was this account reported as a closed account/profit loss to the IRS per Santander? Or was it reported as an open active account seeking collection? A XXXX  rep informed me on XX/XX/XXXX that the way Santander reported this account was unusual due to the remarks stating closed, write off, charge off, bad debt but yet the status is open. I spoke with a Santander supervisor named XXXX on XXXX XXXX who stated the status will not be changed he also assured me that this was normal reporting. He even persuaded me to settle as he reinforced the idea that the account status was accurate and was indeed opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-05 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: FL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: FL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2020-12-05 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've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2020-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For full details, please refer to my XX/XX/2020 letter to EQUIFAX with supporting attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
An account was opened in XX/XX/XXXX, with Financial Recoveries in XXXX. XXXX, NJ for the sum of {$940.00}. This was included in a bankruptcy, case # XXXX, filed XX/XX/XXXX. Nobody from Financial Recoveries showed up for the 341 meeting of creditors to dispute and the debt was subsequently discharged in accordance with bankruptcy law on or about XX/XX/XXXX. 

Since that time, I have REPEATEDLY contacted Financial Recoveries to have the debt removed from my credit report as it still shows that it is in collections. They initially requested proof of the debt being included in bankruptcy. Verification had been sent repeatedly after repeated claims that the email never came through. I have repeatedly called to try and address this issue only to be given some XXXX  run around with no real answer. They have since stopped answering the phone. I have repeatedly disputed the collections account only to have it kicked back saying its valid. 

At this point I am contacting a lawyer to address this, and am filing a formal complaint. This agency is XXXX  and needs to be dismantled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MA

Complaint narrative:
The company has failed to validated information to collect a debt. Request the company to remove the debt from all three credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: DISCOVER BANK
State: IL

Complaint narrative:
I was set to travel with XXXX XXXX XXXX in late XXXX of this year. It was business class seats for two for XXXX dollars each. The first time in my life that I bought business class seats. My flight was canceled by COVID protocols. I understand these are not normal times but I do wish my tickets refunded as the flight was canceled nearly 6 months ago. 
I asked via XXXX website back on XX/XX/XXXX about the transaction but the automatic response did not help at all and I was forced to call. I was told I would get a refund shortly. Months passed and I used Discover  's dispute option as I did not fly with XXXX XXXX, get my money back, or even received a credit. 
The first dispute went in favor of XXXX XXXX and I called Discover back to escalate the situation in XXXX. The representative said they should escalate it because I did not get the goods or services I purchased. 
By XXXX I was told that they had still sided with XXXX XXXX because XXXX XXXX claimed it was XXXX 's fault and they need to issue the refund. 
I called XXXX back after the ruling and said they would look into it and I should get a refund by 8 weeks. 
I then called again on XX/XX/XXXX and they now state that they did not follow up on the issue after the first call for a chargeback in XXXX. 
However, they state it is XXXX XXXX who is supposed to pay. I once again tried to discuss this with Discover and they still ruled in favor of XXXX XXXX. 
I am running out of legal recourse other than calling a lawyer at this point. I have three companies fighting and no one who is not helping the consumer. I have tried to contact XXXX XXXX but the process will take 21 days to get to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On or about XX/XX/2020 at XXXX UTC an unauthorized transaction occurred using a Cash App account that I have. I reached out to customer service and indicated that this was unauthorized, and they simply told me that it isn't their problem, that I have to take it up with the recipient of my money. I tried calling this phone number in vain, such that it does not receive calls, and my bank sent me the response to the chargeback. It has a terse statement using few modifiers, and abbreviations describing me as CH or cardholder. I did not use my device at that time, and can confirm that I was asleep at that hour, XXXX approximately MST. I am now getting my provisional credit taken back by the bank in spite of providing a written statement indicating that I did not authorize the payment. 
Writing a terse statement that says at a certain IP address, and phone number a transaction came out. of, authorization does not make. To add insult to injury, they closed my account as a result of the chargeback and cited that this was against the terms and conditions I agreed to. I signed no thing stating such, and neither did I sign a sales slip like you put on your dispute response. Liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Someone used my card and made purchases. This first happened in XXXX Now again 2 times in a row on XX/XX/XXXX. The refused to look into it saying it was pending except it wasn't Cause the money came off my card. Obviously the security they say they have is a joke. And their unwillingness to help me or protect my money is not a way a business that i trust my pay going to should work. They promised a supervisor would email me and that didn't happen. Still hasn't..and they still have not fixed anything from XXXX. This company doesn't train the employees about fraud or much anything really. Now my bills are past due my money is gone my daughters bday was today and cant even get her XXXX .Venmo doesn't even care!! Their security has to be better then this..so upset

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 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: TX

Complaint narrative:
For full details, please refer to the XX/XX/2020 letter to EXPERIAN with supporting attached documents only to be reviewed by EXPERIAN.

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