vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: NC

Complaint narrative:
Equifax Credit Information Services , Inc. XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a THIRD request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. XXXX  XXXX XXXX XXXX CHARGE-OFF $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. its has been well over 30 days and haven't received any investigation results.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please help my account was closed without my permission and Capital One said they couldnt do anything. I have been paying payments every day and have tried to hold this account up so I can fix my credit. This account has been closed without my permission and without my knowledge. All of the sudden one day I just couldnt log into my account. I am trying to buy XXXX presents and this was the only card I had to use and it had available credit for me to use but now they say they cant do anything. Please help I need to buy XXXX presents! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
I would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THERE IS A FORMER NAME AND 2 PREVIOUS ADDRESSES THAT NEED TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
I would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.

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 2020-12-18 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: TX

Complaint narrative:
I would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: VA

Complaint narrative:
Today, XX/XX/XXXX, I reached out to IQ data collections. I first spoke with a representative whose name was XXXX. I asked him what options I had to settle the debt and if the amount that XXXX gave me of {$1300.00} on XX/XX/XXXX was still on the table. He was extremely disrespectful and told me that I need to just pay my full balance, something I should have done a year ago. Also, he threatened that he would make sure I didnt get another settlement and made it clear that he didnt care. I was extremely hurt, frustrated and embarrassed and asked to speak with his supervisor. He transferred me to another senior representative named XXXX who was even more disrespectful and was not a supervisor. When I asked him if he could listen to the call to address how rude the representative was he literally disregarded what I said and asked for my payment information. After insisting that I paid now, I asked again to speak to a supervisor in disbelief. Lastly, I was transferred to XXXX XXXX who says that he is a supervisor. He answered the phone immediately speaking over me stating that he understands why his representatives spoke to me disrespectfully and how its not their fault that Im in debt. He then disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ACCOUNT RESOLUTION SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2020-12-18 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: T.S. Holdings
State: FL

Complaint narrative:
On XXXX XXXX, 2020, IQ DATA INTERNATIONAL IN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.Q. DATA INTERNATIO has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
There are numerous automatic charges on my debit card with Santander Bank. I did not authorize these charges and do not want these charges. I wanted the money refunded back to me. The bank sent me a letter saying my claim had been rejected for {$160.00}.

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 2020-12-18 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: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2020, I received my credit card statement from period XX/XX/2020-XX/XX/2020, with charges from various retail stores that were charged on my credit card. The charges were from XXXX for {$840.00}, XXXX {$31.00}, XXXX # XXXX for three charges {$150.00}, {$37.00}, {$200.00}. The third charge was XXXX store for {$930.00}. 

At that same time I received text from my bank that there was a suspicious charge from XXXX  on XX/XX/2020 for {$640.00} which was removed by the fraud department after a urgent call from me. 

I called the fraud department and they notified me to go to my branch in XXXX XXXX, this was at the same time there was looting and the unrest going on in XXXX XXXX Area, which caused me to stay away from any retail stores and stay home for long periods of time due to Covid-19 outbreak due to high risk age group. 

After a few day I went to Bank of the West as per fraud department, filled out a dispute form and send it out to the Bank of The West fraud department. After five days I received a response that charges were in fact unauthorized and were removed. 

Furthermore, I checked my credit card and the charges were added back on my card. I called Bank of the West fraud department, the supervisor name XXXX, I asked her why the charges as back on my credit card. She said I was physically present when those charges were made and the dispute was not in my favor therefore the charges remain on the credit card. 

I was notified to file a police report on XX/XX/2020, but nothing has changed from the original decision from the bank. 

Currently, I continue to receive statements from Bank of the West with Fraudulent charges that we not mine. There is lack of communication from the bank when I tried to reach out to them. This has caused me a lot of distress, sleepless  nights and 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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FINANCIAL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NY

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.

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 2020-12-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear XXXX  XXXX This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 XXXX XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease, reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please UPDATE THE PAYMENT HISTORY of the following inaccurate item. XXXX XXXX XXXX  XXXX NEVER LATE. THE INFORMATION BEING REPORTED IS OUTDATED AND CONTAINS ERRORS I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339, ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/, 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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 right after recovering from XXXX I noticed a XXXX discrepancy in my bank account. The moment I saw that my account was being used without my consent, I contacted Chase bank and notified that I was being victimized by the fraud that generated the number # XXXX. He said it is quite clear that my ex-roommate had committed the fraud since although the purchases came from my debit card, the notes were in the name of my ex-roommate and I had never given him any information or permission to do so. make no purchase. Yet Chase bank dismissed my claim of fraud, making all purchases valid. Except for three transactions which, according to them, were the only ones considered fraud, which seemed strange to me. As only three were frauds and the others were not, since they were done on the same site and by the same person? 
I contacted the companies from which the purchases were made and they all informed me that the purchases came from the same person. I reported the fraud to the Federal Trade Commission and then I sent a follow-up letter to Chase Bank. But they said there was nothing more to be done, and that it would not be possible to reopen my case for a new check. 
I no longer have any contact with my ex-roommate, as you can imagine he disappeared, but I have people who knew him and can testify and confirm everything I'm going through. 
They claim that the reason my complaint was dismissed is due to the delivery being made to my address, but they did not take into account that the person responsible for the fraud was meuex-roommate, as he lived with me, so we had the same address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA they are a fraud they took a bunch of peoples Social Security income and threw us out they have held my daughters income that she gets {$400.00} for my husbands social XXXX of it is mine they have locked both our identities leaving me held XXXX homeless  on the streets. They call coding it out theyll take your money and pay people off in front of you these disgusting people actually take it and they wonder why you sit around and hate them as they freeze you out in XXXX  and XXXX  ATM XXXX we also had renters insurance and we had a lot of claims we were robbed completely XXXX XXXX XXXX, XXXX CA XXXX The whole neighborhood was harassed of course our counterparts our neighbors were XXXX so they all said it was gang members it was actually USAA thinking they could become the XXXX XXXX  they still have California locked up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX we paid our loan in full with a wire transfer. We received an escrow review from Loan Depot indicating we were owed {$6800.00} for combined overpayment and escrow balance. As of XX/XX/XXXX ( 21 business days and 31 calendar days after payoff ) we have not received the funds and have been told that we will need to wait a minimum of 45 days before anything can be done to address the escrow account balance. Further, we have been told that the monies can only be sent by check and that electronic transfer of the funds is not something they will do. I have called once per day on XX/XX/XXXX, XXXX, XXXX and XXXX. I have been told various dates that funds were mailed or that the funds were pending release, but couldn't say why there was a hold.

Company response to consumer: Closed with explanation