vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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 {$900.00}. 
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 {$900.00} -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 2020-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.

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 2020-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments. 
The method of reporting continues to compromise credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.

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 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Amount : {$14000.00} XX/XX/2015 The signature was obtained by false pretences with the intent to cheat and defraud. 
I was lead to believe that I was just a reference to help the primary buyer. 

The dealership conducted the transaction in a manner that created a likelihood of confusion and misunderstanding. The contracts were signed separately. 
The primary buyer drove to my house to obtain my signature. I didn't have any form of communication with a representative from the dealership. I was never physically present at the dealership. The dealership and I never correspond nor did we communicate via phone or any other type of digital/non-digital form of communication. This process was initiated and finalized without my involvement. by the dealership, Ally Financial, and primary buyer. 

The legitimacy of the loan documents can not be validated by any witness. most importantly, it is impossible for any of the parties involved to produce said document with a notary seal and signature. 

The dealership fostered an intense sense of urgency ; significant enough to motivate the primary buyer to produce a cosigner. They had a reckless disregard for the truth. The result was intentional misrepresentations and Fraud. In addition, the lender, ( Ally financial ) did not perform their due diligence and enable the dealership to comfortably engage in fraudulent business practices.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have two accounts from XXXX XXXX XXXX. They do not have any delinquency on them. I filed Chapter XXXX bankruptcy in XXXX and it was converted to Chapter XXXX bankruptcy on XX/XX/XXXX. Prior to converting, these 2 accounts were Reaffirmed and closed. My credit report shows that the accounts are included in Bankruptcy. These two accounts are not included in bankruptcy as they were closed and combined into another account. The status should be changed to Pay As Agreed and there should be no bankruptcy remarks on these two accounts. The accounts numbers were closed and all. They are NOT included in Bankruptcy

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 2020-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Stilt Inc
State: GA

Complaint narrative:
As per advise from the lender more tan 50 % loan repaied. 
Requested the Lender in question to remove deliquent notice and allow partial payment as I do not have any income since XX/XX/2020 as I have been furloughed and I am at my wits end. Still then I managed some payment till XX/XX/2020. 
The lender STILT is sending threatening notice. 
They are threatening with legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NY

Complaint narrative:
I purchased a guitar amplifier on XX/XX/2020. When I received the item it was damaged and missing a part to be able to use the item. I have filed a dispute with the credit card company twice and both times they sided with the merchant. I did everything they asked. I produced all documentation and photos. I contacted the merchant to schedule the item to be returned. He never answered. The purchase price was {$5500.00}. The credit card company is citi card. This has been going on for four months and all I want to do is return a damaged unusable item for a refund

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
XXXX XXXX : NMLS license : XXXX Has been holding the loan hostage to show me she has the control. She has been dragging the loan process out tell they had to re-pull my credit report. XX/XX/XXXX I spoke with XXXX about my loan and he said over the phone they are waiting on the down-payment. I provided the proof of the down payment to the lender and proof where the money came from. XXXX came back in the picture and demolish what XXXX did. It has been 36 working days and she lied and said it was 60 working days. Each time I spoke with her she would be rude and talk to me with her mouth full of food or gum. On XX/XX/XXXX she reverse everything that was agreed on that morning. XXXX would talk over me like a nagging nat while I was explaining to her I sent in the required documents. The Dealer had also sent in the requested documents and she would claim we never sent them in to 21st Mortgage. She would purposely not update the documents that the dealer and I provided. XXXX knows I am active military and XXXX. I since the way she is treating me the disrespect is that she doesn't like XXXX military men. That is why I believe she is purposely dragging the loan out. After I spoke with her she wanted another {$3000.00} dollars for a downpayment totaling {$7000.00}. I complained and it was dropped back to {$4000.00}. I had to reach out to a nonprofit organization for an additional downpayment and she had a bad attitude about me receiving downpayment assistance. 
My income is XXXX  ( XXXX ), XXXX XXXX, plus my wife 's income. We prequalified with them. 
The other thing is 21st Mortgage will not place the correct escrow amount on the documents. ( They claim federal law mandates them to do so. ) Their estimate for me is about 7 years of taxes of what I pay which is school tax. I am tax exempt and they claim they have to charge me the taxes as if I was not tax exempt. Before they told me it was federal law, I was told I had to obtain a document stating how much my taxes were. Then it was that I faked the document. One employee there actually stated that I could fake all my documents and thats why they are not excepting them. That was the other thing that was preventing me from obtaining the loan. I believe XXXX should lose her NMLS license for prolonging my loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 {$6800.00}. 
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 {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 {$6800.00}. 
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 {$6800.00} -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 2020-06-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my XX/XX/XXXX Equifax credit report as closed, with a {$0.00} balance, and paid as agreed. However it is negatively reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If this account is closed, with a {$0.00} balance, and reports pays as agreed, it is contrary to report that I am late on 3 months of payments when the balance is {$0.00} and states " pays as agreed ''. This account is reporting as closed. So it can not be reopened as per FCRA regulations. It reports a {$0.00} balance so no money is due for that reason, and late payment reporting is untrue because the above is true as XXXX XXXX XXXX XXXX and Equifax have reported previously and as of the XX/XX/XXXX Equifax report. See attached Equifax credit report documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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:
XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & XXXX both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. Equifax XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA  2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See Equifax Confirmation XXXX Reported Disputed NOT FIXED. XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX & XXXX ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. Equifax is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? Equifax has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A.  Furthermore equifax has ( failed to provide method of verification as required under section 611 a 7 ).  Equifax please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. XXXX EQUIFAX DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER EQIFAX BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & EQUIFAX HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS EQUIFAX ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY EQUIFAX IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
On the report it says " Sentence : " jail 10 days/ suspended ; probation 12 months ''. I was not placed on probation for 12 months and I didn't serve 10 days in jail. I had to reimbursed the courts of {$200.00} in XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Originally tried to get equifax credit report online XX/XX/2020 Failed. Sent drivers license and social security card. After 2 MONTHS of waiting for them to acknowledge they actually got it, was able to login to myequifax.com. 
4 Months later, tried to login to myequifax.com. ran into same issue, they wanted me to send in another copy of drivers license and ss card. Explained I did that in XX/XX/2020. They refused to reset the myequifax account online. The questioned asked had nothing to do with me. The XXXX support desk accent was so bad, I could not understand any of the questions. They refused to admit that I had already sent them the paperwork, 6 months ago, they refused to admit that the myequifax account worked 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & USAA both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. XXXX  XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA 2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See XXXX Confirmation XXXX Reported Disputed NOT FIXED. XXXX  ACCOUNT XXXX USAA ACCOUNT XXXX & USAA   ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. XXXX  is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? XXXX  has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A. Furthermore XXXX  has ( failed to provide method of verification as required under section 611 a 7 ). XXXX  please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. ** XXXX  DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER XXXX  BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & XXXX  HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS XXXX   ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY XXXX  IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation