vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: GA

Complaint narrative:
I have made several attempts to dispute fraudulent items with Equifax Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
DR XXXX XXXX sold my medical information and violated my HIPPA rights to the company XXXX XXXX XXXX. 

Also Experian is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.

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 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My complaint is that I am a victim of XXXX XXXX 's Great Foreclosure Fraud with Specialized Loan Servicing LLC to foreclosure on my property. Plaintiff A copy of the Order to Docket suit is attached to this complaint. I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Specialized Loan Servicing LLC, Loan Servicing Companies, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.

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 2020-02-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collection on my credit report with no contact information how am I supposed to resolve this matter? 

The bureaus are in violation of section 609 of the FCRA This information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: OH

Complaint narrative:
In trying to build a credit history through a credit repair comp ( XXXX XXXX ) I decided to apply for a credit card. In reading the information about the card they offered a Secured credit card and it read I need to pay {$99.00} in order to open a account. I'm a little cynical about so I read on the Internet but it offered that I could initially pay the processing fee and in 30 days pay the {$99.00} by the XX/XX/XXXX or 30 days. I paid it at the beginning of the month and I decided to check if they received the money because it was the first time using online bill pay through the bank. Well they tell yes they received it and when I pay an additional {$99.00} then I can activate the card. I tried to explain that was not what I read. And if it requires {$200.00} then didn't it asked that in the beginning. I feared it could be a scam but it seems like it might be legit. Regardless I requested my money back and they told me of some long process by which they will mail me a check. I thought when we went electronic we eliminated the lengthy process of mailing a letter. So to me they are sitting on my money to draw the interest then after they make money off of people who are on the lowest rung of the financial ladder. It's already ridiculous the interest rates themselves is gouging unnecessarily. The woman who I spoke to basically hung up on me as if to say ..Deal with it!! And they refuse to return the processing fee. Is this the personality of our Financial Institutions??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2019, I filed a dispute with Transunion regarding several items that were being reported incorrectly. On or about XX/XX/XXXX ( nearly 2 months later ) I received a letter stating that the investigation was now complete. As you can see from the attached, the letter was dated XX/XX/XXXX. Thus, seemingly they were in compliance with FCRA. However, per the attached, the stamp on the envelope is dated XX/XX/XXXX!!! Thus, clearly, they were not in compliance and in fact seemed to have purposefully done this. 

Pursuant to FCRA, they are required to respond within 30 days. Failure to do so requires them to remove the disputed items. Please make sure they do so as they have caused me great hard and should be reprimanded for the seemingly obvious abuse. 

The items that were disputed and that need to be removed are : USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX XXXX/XXXX  XXXX XXXX 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 2020-02-06 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: CO

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am locked out of my online credit card account with Capial One. Without access to my online account, I can not review and verify the charges, make a payment and, most important, close this account. 

For, " security '', they now require the consumer provide a cell phone number registered iin the USA and in the card owner 's name. After entering in username and password the phone receives a numerical code to be entered to complete the login. That is now a problem for me as I am a XXXX that travels internationally 10 months a year and do not possess such a cell phone. However, in the past I was allowed to receive this code at a USA-based relative 's landline. The relative would then forward the code, I would enter it and obtain access. 
On approximately XX/XX/2020 I was locked out while in Hawaii. I called them and after a one hour conversation they agreed that once again they would send the code to the above described landline and that the problem was permanently resolved. They were wrong. 

On XX/XX/2020, i was locked out while in the XXXX. Their, " toll-free, collect international number '' is not valid from the XXXX! 
I then spent {$20.00} to buy minutes to call on a local cell phone. They would not send the code, as they have in the past, to my relative 's landline. The representative unlocked my account but it would still not accept my password. The screen directed me was to call yet another telephone number which like their other number, was not accessible from the XXXX. 

I need accces so that I can verify the charges and also to cancel this card with the idiotic, " security '' features which I no longer use. The absurdity of their system is although I am locked out and can not review the charges, the card can still be used. This means if unauthorized use has taken place I can not know this. 
If I can not access my account I will not make any payments until XX/XX/2020 when I return to the USA from XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Choice Money Transfer, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I gave XXXX {$1500.00} dollars to be sent to XXXX to a bank. The money has not reach my bank account. I spoke with XXXX several times during the month of XXXX and the only answers I go from her was : There was a delay with the transmit ion, please check with your bank. I kept going to the the agency to inquire about my {$1500.00} dollars until late XXXX when the agency closed down. I also contacted the manager 's office and I was told to go back to a place that was closed down. I filed a police report ( attached ) Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
Not sure how to describe this because I have issues on 2 fronts : 1 ) I was XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time I had student loans that were deferred because of my XXXX XXXX status. But the companies would constantly sell my loans to other companies and I wouldn't even know about it until I was in collections and started getting letters. My credit was destroyed for 10 years because these companies would sell my loans, I would end up in collections ( even though XXXX XXXX has deferred status ) and I would have to resubmit all my military orders again. But the years of collection dings still show, even though I was payment deferred due to XXXX XXXX status during that time. 

2 ) I was dealing with PENN collections on a {$130.00} bill that I didn't even know about. When I spoke with the guy on the phone 2 weeks ago my impression was that paying it would remove it from my credit report. It did not and they won't help. They simply marked is " paid '' so my credit score is still damaged. 

I'm trying to refinance my VA loan, and these things are preventing it. I've never missed a bill I've known about and all my student loans are now paid ( I paid them off because I was so tired of having them sold and then ending up in collections because I couldn't even find where they were sold to ). I just need my credit report to reflect my 100 % payment history and figure out how to remove all these blemishes that are either wrong or dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XX/XX/2020 Bad check accepted by Capitol One for Vacation Rental scam for {$3400.00} for XXXX XXXX. Security team stated they can not credit the amount of {$2000.00} sent through XXXX through Capitol One Bank. 
C.One stated they will file 2 claims with XXXX and their bank. Security team stated it is unlikely they and XXXX will credit any amount sent through XXXX. 
No action has been taken to credit any amount of the bad check. They also stated they will shut down the account once the {$2000.00} is paid or credited. The original check was for {$3400.00}. I am returning {$1400.00} to the account that was supposed to be for the vacation rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 {$3200.00}, {$3000.00}, {$8000.00}. 
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 {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

XXXX. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -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 2020-02-06 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: CA

Complaint narrative:
XXXX is reporting inaccurate debt, they have no contract validating this debt they are also reporting a collection. Transunion is also reporting this inaccurate information.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE REMOVE FRAUD ALERT FROM MY CREDIT REPORT.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE REMOVE FRAUD ALERT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE REMOVE FRAUD ALERT FROM MY CREDIT REPORT.

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 2020-02-06 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: Innovis
State: UT

Complaint narrative:
Innovis requested a valid police report. In my most recent dispute I have provided the police report REPORT NUMBER : XXXX. Additionally, the accounts were deleted from the other credit bureaus but then re-inserted back onto my credit profile. Innovis receives data from the other three credit bureaus that is reporting inaccurate information from these XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have a Florida Unemployment Debit Card where funds were deposited during my XXXX   period which ended on XX/XX/XXXX. I have a balance of over {$3000.00}. on the account. The company managing the card is www.eppicard.com. 
The card is good through XX/XX/XXXX. It has not expired. 

As of XX/XX/XXXX I am no longer able to use the card for ATM withdrawal, food purchases at XXXX, or any purchases online. I can no longer access my card balance and information online. I receive an error code telling me there is a Fraud Alert on the card. The company cant fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 {$3200.00}, {$3000.00}, {$8000.00}. 
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 {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -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