vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 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: IL

Complaint narrative:
Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is reporting a Chapter XXXX on my credit file from XX/XX/2013. My daughter and I share the same name. I have advised Transunion this is not my Bankruptcy. Please verify this information correctly. And advise how it was verified. This Chapter XXXX was filed in XXXX XXXX Nevada in XX/XX/2013. I have resided in XXXX, Al all my life. This is not my BK. For 6 years Transunion has ruined my credit I'm going to hire a Attorney for damages if this isn't removed ASAP

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 2019-12-29 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: IL

Complaint narrative:
Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed this account multiple times with TransUnion and each time I submitted a disputed they verified the account as accurate. However, when I reached out to the credit union, they stated they only report to XXXX and sent me a letter in writing stating the same thing, which I have attached below. 

TransUnion is claiming to have done a proper investigation in accordance with the FCRA which they couldn't have done because the credit union has no proof or record of TransUnion reaching out to them to verify this account. So why is TransUnion verifying false inaccurate information and who are they verifying with since the original creditor, XXXX XXXX, has no record of them contacting them regarding this account. 

I recently had a name change, but prior to my name change I disputed this account multiple times under the name stated on the attached letter from the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. I mailed a certified letter via XXXX to Midland Credit Management on XX/XX/2019 and it was received on XX/XX/2019. I asked them specifically to provide proof that this alleged debt is mine by providing documentation that bears my signature and also a copy of the agreement that authorizes them to collect this alleged debt. They have yet to respond or remove this from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have tried to communicate with the company several times and failed. I am losing any hope for this to be resolved. 

I have asked for them to send me documentation that will verify this account but has never received any response from them. I feel like they are violating my rights by not sending me proper documentation that is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: PA

Complaint narrative:
There is an unauthorized charge on my credit card XX/XX/2019 of {$55.00} from XXXX XXXX XXXX XXXX XXXX PA This merchant did not provide any service, a dispute was open in XX/XX/2019 and a credit was applied on my credit card a letter was issued by Citi bank. The amount was then debited again on XX/XX/2019. On XX/XX/2019 a representative from the dispute department stated that they did not understand the nature of the first dispute and there was no documnetation on file from the merchant and did not offer to credit my account back. 

As I mention we did not receive any goods or services including any card holders or family members from the above merchant, Prior to XX/XX/XXXX I was informed by Citi that the dispute was resolved in my favor.

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 2019-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: CA

Complaint narrative:
I encountered a fraud w.r.t. HVAC installation using Discover credit card to pay {$2300.00} on XXXX, but Discover determined it's a valid transaction and didn't give me a refund. 

I paid the merchant XXXX XXXX XXXX XX/XX/2020, for the installation on XX/XX/2020, and I contacted Discover to reverse the transaction on XX/XX/2020 as soon as I realized it's a fraud. 

The installation team on XXXX claimed that they didn't receive any payment from the merchant, and threatened me that they would pause the installation and leave all the parts in my house if I couldn't pay them on the spot. I had no choice but paid a separate check to them. The merchant told me he had an emergency and didn't reply until I asked Discover to withhold the transaction.

I submitted a dispute with Discover afterwards ( case number : XXXX ), but after a few months, Discover said my payment was a valid transaction because both the merchant and I have signed the contract for the payment, which means I authorized the payment. However, they didn't care whether it's a fraud or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: DE

Complaint narrative:
Lendmark financial keeps harassing me daily with phone calls and voicemails in regards to a loan for a repair that was never made. They even filed court action against me but didnt show up to court and non judgement suit was ruled in my favor. Yet even on weekends and holidays they are calling me still. They are a scammer company. Reviews from XXXX  XXXX  XXXX have informed me of other cases just like mine. I want them to leave me alone. Since XX/XX/XXXXthey will not stop calling me and its extremely disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RE : Foreclosure State Case XXXX Civil XXXX XXXX, Florida Property : XXXX XXXX XXXX XXXX. XXXX Fl. XXXX Mortgage Loan Acct : Mr. Cooper Case Number : XXXX PART 1 Since as early as XXXX/2015  Mr. Cooper [ thru ] employees XXXX XXXX, XXXX, and others known and unknown employees [ with ] their legal representative XXXX  XXXX  XXXX ( by and through ) associates XXXX XXXX ; XXXX XXXX and others known and unknown associates are knowing conspiring to either " facilitate '' and/or " in aiding " abetting in furtherance of the conspiracy ++over-acts++ of [ false statements and deceptive information ] to ( willfully purposely ) delay the confirmation of the successor interest for it will triggers successor becomes the borrower having private rights to assume the mortgage and file private action for violation of federal laws Cooper selling the property and getting away with it for it. 
XXXX PART 2 This federal agency CFPB own regulation as given them a way to get away with it by them just delaying making successor the borrower. 
Was that intentionally sinc eit seems to me the drafters of the regulation are attorneys cheating the public deceptively implementing a rule that looks good to help consumer but in fact leaving it open so the creditors can still cheat the consumer anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
My credit card was stolen on or about XX/XX/XXXX ; upon learning of this situation I immediately contacted TD Card Services and reported my XXXX XXXX Client Rewards Visa credit card stolen on the same day of XX/XX/XXXX. TD Bank Services assigned this as case # XXXX. TD Card Services closed my account immediately to prevent further unauthorized charges and mailed me a new card ending in XXXX. TD Card Services said I would not be liable for any unauthorized charges which is pursuant to their terms and agreement. During the call, TD Card Services identified two unauthorized transactions of {$230.00} and {$230.00} made on XX/XX/XXXX, the same day my wallet was reported stolen to them. These two transactions were the only two identified as unauthorized and the bank assured me this is protected by their zero fraud liability protection since I had reported my wallet stolen promptly. 

I received a letter dated, XX/XX/XXXX stating that no billing error occurred and that I was responsible for the charges. I did not receive any type of proof documentation by TD Card Services supporting the reason for their decision. I immediately called TD Card Services ( XXXX ) and was told that " since no more attempt to charge the card was made after XX/XX/XXXX ; they therefore assume the charges as valid '', this is the most absurd reason I have ever heard. The reason TD Card Services has given me to support their validity of the charges does not make sense and lacks any type of credibility and logic. I know for a fact that the bank is in violation of its terms and agreements and also in violation of federal law for re-posting these charges which are clearly fraudulent as a result of my wallet being stolen. The bank has not presented any paperwork evidence to support their position which is unacceptable on all levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has closed all three of my personal accounts ( 2 checking and 1 savings ) because they said that I had mishandled a previous prepaid checking account/debit account with them about 2 years ago. When they closed my accounts ( I had a total of 4 accounts with them at the time ) they stated that the reason for the closure was due to a check that had been deposited into my prepaid account that did not clear, and so they closed my account due to that reason. I tried to explain to them that it was not due to the check not clearing but rather it was due to me going through a Chapter XXXX   Bankruptcy at the time which is what had caused the issue to begin with. Nobody wanted to hear me when I tried to explain to them that this is why the issue happened and not because of a returned deposit item. I have been a long standing customer with Wells for many many years, since 2001, actually, and if this is how they want to treat a long standing good customer like myself who has stood with them through the ups and downs, then I think that is wrong and I hope that they can reconsider keeping my current accounts open with them because I have never tried to mishandle any of my accounts with them since 2001. In fact, because of the bankruptcy, I believe that I should be given a second chance with the bank and not treated like a criminal because of this issue.

Also, what transpired recently was that the Bank gave me a final date as to when they were going to close all three of my new accounts with you, however, only 2 accounts had been closed on that date while the third account was left open without my knowledge or any communication regarding this from the bank. So essentially, I had an open account this whole time without even knowing it. Now, I have come to find out that it was just closed due to a {$67.00} overdraft that had been left unpaid for 60 days because I never even had a clue that this account was still open and that there was any kind of a negative balance that remained unpaid. I will go down to a branch and pay that {$67.00} happily now that I know, however, the issue is that now this mystery account has been closed, and I would like for it to be reopened due to the fact that I was never informed that it was going to remain open after the deadline date that had been originally given to me to begin with. Thank you.

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 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

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 XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -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