vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: NV

Complaint narrative:
After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.

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 2020-09-14 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 {$9100.00}, {$4700.00}.

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.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -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 2020-09-14 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 {$9100.00}, {$4700.00}.

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.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2019 I learned I was a victim of fraud and identity theft, I am permanently XXXX and suffer with XXXX XXXX XXXX XXXX ... I was fighting banks until I got Covid on XX/XX/XXXX, prior to this I was never late with a payment. 

I am still dealing with multiple medical issues, all of a sudden I got a letter one day from one of my charge cards with XXXX balance that was paid off that had been opened in XX/XX/XXXX-XX/XX/XXXX, they said closed because of credit report. 

The following day I received another 2-4 letters on other accounts saying the same thing, then a few days later even more letters, one account was involved in identity theft and fraud and I was disputing as my XXXX and stress levels allowed me to, it was Paypal. 

They closed accounts that I had used and paid off for YEARS with XXXX balances ruining my credit, XXXX to XXXX my score now, because I am ill and can not fight as hard right now. 

They closed my Care Credit Card I used for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my cat that had XXXX XXXX last year, paid it off within 6 months.. never late since account was opened with my mom before her death in XXXX. 

Closed my XXXX account that I used for emergency car repairs and tires which is vital being permanently XXXX. Had XXXX balance always paid on time never late. 

Closed my Ashley Furniture card XXXX balance I finished paying off {$2800.00} not long ago, never late always paid in time. 

Closed my Gas card, closed another few cards I do not even remember the others, I had no idea so many were with Synchrony.. totally destroyed my credit for no reason.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For my Wells Fargo credit card, payments were to be split with my domestic partner at the time. I was mislead to think that payments were being made on their behalf, but they were not.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Looks like two different time TU interactive let credit runs on my credit without my consent. Transunion didnt do anything to help

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 2020-09-14 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: OH

Complaint narrative:
I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio 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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
Porsche Financial on XX/XX/XXXX inaccurately reported that I was 30 days late. 
I made contact with customer care and established that according to their mobile app which I always use this was not so As per the app on XX/XX/XXXX my next payment of {$2300.00} was due on XX/XX/XXXX. This balance included a 1 day past due balance of {$1000.00} which was scheduled to be paid on XX/XX/XXXX. I paid {$1100.00} on XX/XX/XXXX. The remaining {$1300.00} automatically generated bill for the month was according to the app due on XX/XX/XXXX. 

I spoke to customer care and on a recorded line was also told that there were issues with the system for the past few months and similar complaints have been had. I provided screen shots ; all date and time stamped to show the inaccuracy of their reporting. This was reviewed by a supervisor who saw it fit to have the documentation sent to the credit bureau department to have the reporting corrected. 

To further add insult to injury ; After this mistake had caused my credit to plummet by 90 points, Porsche financial Services after receiving {$92.00} in excess of the due amount of {$1000.00} further reported inaccurately that I had owed a past due balance of {$57.00}. Which additionally dropped my credit by 60 points. 

To date these corrections have not been made even in light of evidence provided.. As a result my pristine credit has plummeted by 150 points not because of my negligence but due to a fundamental flaw in the system of Porsche financial services.. I have had a clean record with Porsche, have made it my duty to pay on time and on many occasions have paid more than the required amount ; Even in light of Covid-19. I  just need them to do the right thing. As a consumer who is striving to maintain my reputation with this institution I am not having a sense of an enhanced experience. It is too early in our relationship to experience such negativity ; Covid-19 has brought enough our way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I asked for and received a Covid-19 deferment. I was under the understanding that the deference wouldn't effect my credit report. Which the loan company has reported and effected my credit rating. I also asked for a refinance, an IRRRL, which was denied since I was in a deference status according to PennyMac Home Loan Servicing representative ...

I recall a letter being sent out by the CFPB to certain lenders to comply with the CARES Act. PennyMac was on the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NV

Complaint narrative:
After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.

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 2020-09-14 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: NV

Complaint narrative:
After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
This is not an duplicate complaint. In order for me to fill out the Identity Theft Report the Higher Education Act of 1965 included Addendums to the Note like the 3 days before distribution of the loan can the borrower cancel? 

I need more documents the Police told me. I need the Addendum to the Fake Document The Recession form, Truth In Lending form, Approval form, Credit Check form, SLM Corp address, phone number, location, account number listed on the Schedule Disclosure # XXXX who does that account belong to and where is it located in XXXX. Where did the Web Note come from. Since your FFLEP Application Consolidation and Promissory Note is non electronically what is the process of typing in it to link to the SLM Corp Website to produce a print signature. Under the HEA in which the Note is govern what software was used to get the print signature example XXXX, XXXX XXXX. The Consent form for electronic documents to be sent to me. Payment Options form, Was the WEB form approved by the government OMB? On the addendum to the Note Schedule you approved a consolidate Perkins Loan as an unsubsidized Loan so we need the approval letter from the school the loan was paid. The Loan Verification Check form. I sent Navient two letters that stated loan money was returned to the lender XXXX XXXX since SallieMae was  the servicer in XXXX did they lose the records? The Consent form that I approved the loan. The contract Promissory Consolidation FFLEP between me and the SLM Corp signed example the Application FFLEP Consolidation and Promissory Note list the Web as the owner of the Note. Then the Addendum to the Note the Disclosure and Schedule of Payment form that was typed up a month after the loan was approved the Schedule of payments XX/XX/XXXX state SLM Corp as the lender the Addendum to the Note is not a contract under the HEA. The HEA state the Application and Promissory Note must be sign by the lender and borrower in the lender website? The HEA state electronic signature must be done in the lender website. So why did SLM Corp approve a Promissory Note not filled out in the SLM Corp Website? Since SLM Corp was established in XXXX how could they approve a Application FFLEP Consolidation and Promissory Note In XXXX? What was SLM Corp credit eligible-ability in XXXX? 
I need the additional documents and questions answered the police detective told me when I showed him your fake Note so they can write up there report and give there opinion for the Identity Theft Report. I need the documents and questions answered as soon as possible because under the FCRA Navient is reporting wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
I have sent XXXX $ using my credit card to my XXXX account on XX/XX/2020 and money has not reached my XXXX account as promised by XX/XX/2020. I tried to contact Skrill on the same week until XX/XX/2020, skrill always trying to wash their hands saying money is sent and its processed like that. by XX/XX/2020 i filed a chargeback on my credit card which didnt go well on my side. so credit card company came back and said dispute is not right. 

by this time skrill suspended my account and i have noticed skrill   got XXXX $ back in their account ( which i think it never processed to my XXXX account ). Above transaction happened on XX/XX/2020. i contacted skrill to make this XXXX $ available to my by XX/XX/2020 and they wanted my CC statement and letter from me for chargeback. i did provided on same week. even after multiple follow ups happened between XX/XX/2020 and today XX/XX/2020, skrill never tried to resolve my complaint. they keep saying they have escalated the case but never made my money available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 am distressed about the information that has been reported to credit profile. They have failed to maintain the reasonable procedures in company operations to assure. The maximum accuracy in the credit reports. Because of identity fraud.

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 2020-09-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi Officier, From XX/XX/XXXX, I've canceled my credit card and I am going to close my CD then get refund back to my checking account. Bank of America confirmed that they will refund in 10 days. 
2 weeks passed, I was checking with specialist via service phone call at XXXX about why my CD is not closed. I made several calls in two weeks to figure out the reason but their specialist can not get any response. In the end, I went to BOA physically and asked their clerk to assist. Even their clerk can not get the answer from their BOA internally. According to her information, she reached with CD but CD depart thinks it should be taken care by Credit card Depart. When we were transfered, Credit card depart said it's not their business and asked us back to CD. Then we tried over 2 hours between both departments. It doesn't make sense to me why I can not close my account because of their internal issues.

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 2020-09-14 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: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Experian for XXXX XXXX  XXXX account in the amount of {$560.00}. The reason for my dispute was because the last payment date/activity on this account was XX/XX/XXXX. This date was reported to XXXX  and XXXX  as well. Both of those bureaus have deleted this account from my reports as a result of the 7 year reporting period for closed accounts reporting negative activity. Experian has refused to abide by this law and remove the account on numerous occasions. I also submitted a dispute with them for the very same reason on XX/XX/XXXX. The only thing they have done is report the same information and update the balance date to reflect the same date I submitted the dispute. It is clear to me that they have not even attempted to contact the creditor for clarification, which Im not  understanding they should need if the correct information and dates were being reported to XXXX  and XXXX  why should they have anything different. Please remove this account from my report immediately.

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 2020-09-14 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: Carter-Young, Inc.
State: SC

Complaint narrative:
On XX/XX/2016 Carter-Young Inc added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Carter-Young Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NY

Complaint narrative:
I am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I ask for my money back he was fake person and he played me right off the back they don't answer the phone I want my money back

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