vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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 {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$210.00} -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 2020-10-16 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 {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
In XX/XX/2018 I was in a car accident and the vehicle was pronounced total loss. I had GAP insurance which paid off the remaining balance owed but could not pay off 2 deferred payments or 3 my monthly payment was {$290.00} which should of equal to {$600.00} or {$900.00}. My accident was a no fault and I was driving with my family including my XXXX son which he was XXXX old at that time. So long story short I looked at my credit report and noticed that the amount changed significantly to over XXXX. I was financially destroyed and overwhelmed that I had to get a vehicle so that I was able to continue to work so that I can keep providing food and shelter for my son! I reached out to company work out a settlement but it didnt take out as they demanded the full debt. Im questioning why the balance is so high??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Through numerous phone calls to GM Financial, I am unable to get a copy of the contract or anything in writing from them. 
My car was totaled and my last 10 payments add up to XXXX. I owe from XX/XX/XXXX to XX/XX/XXXX. 
Upon attempting to pay off the car GM is trying to get {$4400.00} from my insurance company. With no explanation other than it's interest.

GM also refuses to account for over 2 years of payments in which every month I paid {$350.00} instead of {$340.00}.

Usually when you pay a car off early it's cheaper, not more expensive. Can someone please help me as GM is obviously trying to take advantage of it's consumers and refuses to communicate via email. GM will only communicate via phone and I get a different answer every time I speak with someone at GM. This time I am trying to deal with the " total loss department ''. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Back in XX/XX/2018 & XX/XX/2018 I was having financial hardships and unable to pay my bills due to being out of work ; therefore, causing my late payments. The job I was working at the time was seasonal. 

My card was activated in XXXX of 2018, and since that time I have had 28 on-time payments. I've also maintained a more permeant job position.

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 2020-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, I noticed a series of fraudulent and abnormal charges on my debit card for what appears to be cryptocurrency exchanges that I did not authorize. Some of these charges were blocked and two separate charges were cleared and, since this is my debit card, the funds immediately withdraw from my checking account. The two charges are {$3000.00} and {$1000.00}.

Upon noticing, I immediately contacted Bank of America 's fraud team to report the fraudulent activity, review my account and filed a claim. I shut down the card and they are issuing me a new one. It is a very stressful and taxing process to try to get ahold of anyone at Bank of America over the phone. After waiting for more than 20 minutes to speak to someone, the rep basically told me that had I been monitoring my online banking daily, I could have called and notified them before these transactions were able to be processed which, while I will certainly do going forward, is unacceptable.

The rep I spoke with at Bank of America said that the transactions received approval via text automation which I did not do. I have no idea how someone could have stolen my identity in order to do this so I have also contacted my wireless carrier, put a freeze with the credit bureaus, and am in the process of filing a police report. I am doing a lot of research on resources to effectively handle this and am shocked at the level of technological sophistication scammers operate today. 

I am a recent college graduate with significant student debt, rent expense, am saving for graduate school and am also assisting to support my family financially. With COVID, my income has been severely impacted and as a result of this, I can not pay my next month 's rent or even cover basic living expenses.

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 2020-10-16 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 {$16000.00}, {$0.00}. 
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, S

ection 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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-10-16 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 {$16000.00}, {$0.00}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-10-16 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 {$16000.00}, {$0.00}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX  credit card balance was paid off on XX/XX/2020. TransUnion continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either TransUnion  or XXXX XXXX XXXX  is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.

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 2020-10-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Disputed discharged accounts under chapter XXXX. Account showing open on a closed account. XXXX will not remove

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 2020-10-16 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 — Problem with personal statement of dispute
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX credit card balance was paid off on XX/XX/2020. XXXX  continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either XXXX  or First Hawaiian Bank is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce bank once again is charging me XXXX dallors per failed /bounced transaction and most creditors try twice and I have a hard time understanding why when I get paid they can't wait until that day to bill me I been out of work for almost 2 weeks bc of an injury I've paid 10 fees of XXXX dallors a total of XXXX dallors since XX/XX/XXXX and they return XXXX before that so that's another 3 a grand total of 13 {$480.00} dallors in fees in just a little over a month I could have paid my electric bill thats XXXX dallors im in tears right now and don't know what to do again please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Hi my name is XXXX XXXX making a complaint about American Express Express Serve card its a prepaid card and the company is about them closing my account their it was a balance of {$13000.00} in it roughly and before that the deposit came to the US Department of Treasury sent over from SS Social Security I am XXXX and they wanted me to have add my rep payee on it but she was already on it as a sub account they told me I write a letter to the corporate which I did and submitted documentation to where it was a legal document from Social Security saying that we XXXX XXXX and XXXX XXXX was on the document help me regarding please help me dispute this because I need my money back since I have a XXXX XXXX and I I'm XXXX  trying to look for place my email is XXXX or can call me at XXXX at your earliest convenience because it is urgent matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I contacted a debt collector because a debt from a hospital I visited in XXXX is on my credit report and my state insurance should have paid it. They refuse to contact the XXXX XXXX  Oregon XXXX XXXX and get payment from them. This is not my fault. I gave the hospital my insurance info and I have the debt collector my insurance info. I want this collections of my report if possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was called by Wells Fargo and offered a plan during COVID 19 hard ship to have the money owe on my mortgage applied to the end of the loan during the forbrsbance now they want the entire balance at once. After the forbarence and I was told it would be put on the end of the mortgage now Im get bill they want it all at once. Wells Fargo called and offered me the program I ask the question will this be due all at once they said No it will go on the end of the loan now they are wanting it all at once they called me and offered the program Wells Fargo have set people up to loose their homes

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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Vehicle was returned 2 months early and odometer was XXXX miles. XXXX charged me for excess miles based on an erroneous odometer record of XXXX miles. The XXXX  dealership where I turned the car in resubmitted the paper work, but this collection company told me that they submitted the correct odometer reading to XXXX, but I kept getting bill for the wrong amount. Every time I called the collection firm said that they are waiting for 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 non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
To whom it may concern, According to the respond of Capital One on XXXX, Ive contacted XXXX XXXX XXXX XXXX and the answer they gave me is that they still waiting for my fund and dont know what happened with the transfer process. I asked Capital One on XXXX 2020 to send me the evidences about who gave the instruction of returning my money and based on what reasons that made such instruction, which I must use to start a lawsuit against the related party. But Capital One still ignores my request and didnt send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

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 2020-10-16 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: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

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