vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 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 {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

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 XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -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 non-monetary relief
Consumer complaint received 2020-02-09 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: MN

Complaint narrative:
The following accounts listed on my Experian credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$3400.00}, XXXX XXXX  XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX  XXXX XXXX, {$1800.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020

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 2020-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020, ,Continued Issues, ,Yes I received ( 2 ) One on XX/XX/XXXX, XXXX, The Second on XX/XX/2020,, Both Of The Letters Are Pretty Much Are Saying Same Thing, Among All The Other 15 to 20 Letters I Already Received And Still Haven't Did Anything At All, This So UnAcceptable,,!!! This Company Should Have Already Taken Care Of ( ALL ) My Issues, Instead Of Lying About This And Keep Sending Me The Same Letters With No New Information, ,So UnProfessional Business

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 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: NC

Complaint narrative:
I sent a letter to CoreLogic, requesting a security freeze be placed on my file but this company said they don't place security freezes.

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 2020-02-09 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 {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

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 XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -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 2020-02-09 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 {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

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 XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: MO

Complaint narrative:
My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}

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 2020-02-09 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: MO

Complaint narrative:
My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: MO

Complaint narrative:
My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}

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 non-monetary relief
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX Office of The President at CitiBank Visa Subject : CitiBank Visa mobile app cost card holder Our CitiBank Visa credit card account was closed by CitiBank in XX/XX/XXXX due to an issue stemming from the use of the Citibank mobile application. I downloaded Citis mobile app on my smartphone to make payments when not on my home computer. Previously my payments were made through my bank account online bill pay. The Citibank app required that I use a login and password for the account to make payments and the savings and checking are both on the same login and password. Unknowingly, I had made a payment and this payment was rejected for NSF, but I had the funds in my checking. However, I was told I did not have draft protection on the savings but on the checking only. The first time this NSF incident happened I was out of the country without sufficient Wifi to catch the error. I incurred penalty charges from my bank and Citibank, but the payment was still made on time. 
After speaking with my bank, I got a new account number to input in the application but wasnt sure how to input it. I now realized that the app has an area to input the corrected or a different account number. Before I put the correct number in the app, I made a payment that went through before I corrected it. The payment was still on time. This realization happened after the last incident and I called and explained this to Citibank and the charges were debit to my accounts. 
We are asking City Bank to re-open our Visa credit card account because this was an honest mistake in using the mobile application. We obtained our cards through Costco who partnered with Citibank after they dropped XXXX XXXX. My husband and I have been customers in excellent standing with both companies for more than 12 years. We feel it is unfair to hold back our rewards earned for the XXXX billing cycle. We are requesting that you consider reinstating the XXXX billing statement with the full amount of our rewards we earned for XXXX. We look forward to hopefully doing business with you once again. 
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 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I received notification of the debt at the end of XX/XX/XXXX. I emailed the attorneys as the notification demanded on XX/XX/XXXX requesting the explanation of the charges with documentation supporting the claim. I never received a response. The lawfirm sent another bill with claim codes blacked out. 
XX/XX/XXXX, I emailed again requesting the information for the bill and supporting documentation. I also called the law firm. I communicated in the email, I wished to settle the matter, but the charges did not add up and I needed the documentation. 
NO RESPONSE I emailed again on XX/XX/XXXX, requested the explanation of the charges. NO RESPONSE On XX/XX/XXXX, I received a motion for default judgement with the statement I have never contacted the lawfirm, even though I have the electronic proof. 
I called the office to have them explain. They stated they would send the required information to me. 
XX/XX/XXXX Motion for default judgement filed anyway, despite reporting complete lies.

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 2020-02-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX , XXXX   XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I found a Chase credit card with an unfamiliar name on the ground near my front door last week. I immediately called the number on the back to report it, and was told a hold would be placed on the account, and that I should destroy the card, which I did. The rep took all of my contact information, including my name, address, and work and cell phone numbers. When I questioned the need for this, she assured me the information would not be given to the card holder. Nevertheless, on Saturday morning, XX/XX/XXXX, I received a message on my work number from the card holder, asking me to return the card to her. When I questioned Chase, both by phone and via XXXX, about how this could have happened, both reps insisted Chase could not have disclosed the information. 
When I finally spoke to the card holder this morning ( XX/XX/XXXX ), she said she had been given my full name, work phone, and at least my partial address by Chase 's fraud department, which suggested she call me to retrieve the card ( which the first rep had told me to destroy ). I am appalled by this breach of my privacy. Chase says only that they have shared " your recent experience and your feedback for review '' and that there will be no further follow up. There was no explanation and no apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card charges a foreign transaction fee on transactions consummated in US dollars. BAC alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but is silent on charging on US dollar transactions to foreign companies. 

For example, purchasing an airline ticket on a website in US dollars will be charged the transaction fee dependent on how BAC feels ; e.g., tickets on XXXX XXXX in in USD will not be charged, but XXXX tickets ordered and paid for in US dollars are charged. If one orders spare parts from XXXX in US dollars, one is not charged even though XXXX is a foreign company and reports its results in XXXX Yen. 

BAC Customer service could not find either the rationale that made sense or a place in the cardholder agreement that delineates the fee. It appears to be added at random when BAC thinks they can get away with it. 

I was charged {$53.00} in Foreign Transaction Fees on a airline ticket purchase of {$1700.00} ( 3 % ) ; a transaction entirely conducted in US dollars.

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 2020-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Midwest Acceptance is a predatory lending that has poor communication skills. I have tried to contact them on several occasions regarding my purchase. They are rude and disrespectful. I have filed a previous complaint the attorney general in XX/XX/XXXX. Since this has been done, they have made no effort to make an agreement with me to settle the balance. I have made payments that are not reflected on my credit report, and they have retailed against me by adding to my credit report that they are unable to locate me and sending to collections despite the voicemails that I left in an effort to an agreement. This account was written off 33 months ago and I have been patiently and desperately trying to get a response from the company. No agreement was ever offered to me. I was based and talked to poorly by the manager of this company. He stated " It is not my fault that you can't pay your bill, We have not pity for you '' before disconnecting the call in XX/XX/XXXX. Please investigate this company as they are not working within their rights. They refused to allow me to make any payments, and they are purposely trying to destroy my credit. I have been battling with this company for almost four years and yet to receive any results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
i have contact nmac Nissan motor Acceptance on several time to fix my credit report I was told by a representative that if i made payments it would wipe out the late makers on my credit report now because of it my scores and my co signer score has dropped badly to where i can't refinance my auto loan which i look at fdca they cant mislead you in fact which they did they have basically lock me in as they customer instead of fixing the mistake i would like it to have fix as payment on time they have also not have the right payment amount posted on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX hired RentDebt Automated Collections a year after I moved out of my apartment and is trying to say that I owe them approximately {$1600.00}. I gave proper notice to vacate, turned in my keys and forwarding address and never heard from XXXX XXXX XXXX until XX/XX/2019. I never missed my rent payment nor was I ever late paying my rent. And all i've received is a notice demanding money with no explanation whatsoever as to what I owe or why. This is negatively impacting my credit score due to the substancial amount and is preventing me from being able to obtain housing or anything regarding my credit report. 

I absolutely DO NOT owe this apartment complex money. I moved out early due to uninhabitable living conditions that caused major medical problems, resulting in over {$500000.00} in medical bills and ongoing health problems, but I continued to pay my rent up until my lease ended.

Company response to consumer: Closed with explanation