vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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 {$4700.00}, {$0.00}, {$5700.00}, {$0.00}, {$4100.00}, {$0.00}, {$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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. 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 non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I called Carrington Mortgage Services Home Retention Department and spoke with Griselda. She told me my modification had been approved, she explained the offer, and told me to sign and send it back. I received the offer by USPS First Class Mail on XX/XX/2020. It is dated XX/XX/2020 and postmarked XX/XX/2020. 
The due date given me to accept and return it with my signed decision is XX/XX/2020. My past due balance will be added to the balance due on my 30-year mortgage and my payments reduced by {$31.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.

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 2020-04-01 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've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has false advertisement going on at their location. They have consistently invited me to come down to see if I qualify for a vehicle, and advertising that they are able to work with any circumstances. This is not the truth they are practicing false advertisement. The person that the company has making these false advertisement phone calls goes by the name XXXX XXXX. The manager is XXXX who is completely aware of these false advertisement phone calls. I came to the dealership and began to feel pressured to let them run my credit. After finally agreeing for them to run my credit one time under XXXX XXXX   they took the initiative to run my credit three or four times without my consent. I have worked extremely hard to get my credit in good standing. I would not like to play around with my credit to try somethings just to see. Either I meet the qualifications or I don't. I was approved for a {$28000.00} Loan and still did not leave with a brand new car. I spent almost 5 hours at the dealership for nothing. Time I could of spent working instead of being lied to. This company needs to stop false advertising to get people to come into their branch just to play around with people 's credit information. The issue came about when they advertised that they would give a very high percentage over the XXXX XXXX XXXX value. Had they honored their advertisement then I could of had a new car once they took my trade-in, processed the loan, and type the contract. However, they did not honor their advertisement so I just walked out like I came in. Actually it was a couple of more people there and no one drove off in a new car, because they are false advertising to get customers to screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: WV

Complaint narrative:
On XX/XX/2020 a new inquiry was placed on my report I'm not looking at getting a new home so I know it's not me I have tried for days to reach someone but I haven't been able to talk to anyone plus there is numerous issues on my report I just wan na get this resolved

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 2020-04-01 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: MS

Complaint narrative:
I have Contacted these companies multiple times about placing a security freeze on my file but to no Avail did it work, so now i come to you for results. I have the picture of proof that these files have been frozen but everytime i download my report each month it doesnt say such i need these bureaus to show proof they have placed a security freeze on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
My name is XXXX XXXX! My complaint is in regards to a collections account on my credit from AMERICOLLECT. The collection is in the amount of {$640.00} and claims to be from a medical bill. The collection was opened XX/XX/2016. I have attempted to dispute this collection and request information from the Collection agency as I have no knowledge of this claim. I have had XXXX insurance most of my life and all of my medical expenses are covered. When I attempted to request Information and proof of validity the collection agency refused to give me any information other than the amount thats owed. I have no recollection of owing a medical bill and do not believe this claim to be accurate. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am being charged late fees for a negative balance on top of the {$110.00} negative balance fee which is more than I was originally negative, they wont work with me and I am at a lost for wages due to covid-19 and with the additional fees added it really put me in a bind. 5/3 bank will not remove the fees I asked to remove so I could resolve my issue and are now adding more fees. I believe they are doing this to get more money out of someone who is struggling to make ends meet. I also believe the fees they are adding are coming at a perfect time due to the stimulus package going into effect. My thing is why not help your customers why are you robbing the poor, I obviously dont have the money, I had the same issue on XXXX Day were I was charged a negative fee, They are the true definition of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: SC

Complaint narrative:
I have reached out to this company about placing a security freeze on my report 2 times I have yet to receive a response, i have attached pdf files of me asking these companies for security freezes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Apple Law Group, Inc.
State: CA

Complaint narrative:
I signed a contract with Apple Law Group ( XXXX XXXX XXXX # XXXX XXXX XXXX CA ) in XX/XX/2015 to settle my debt from XXXX XXXX XXXX and XXXX XXXX. After paying them about 3k nothing was done and I ended up getting sued from XXXX XXXX XXXX and ended up settling the XXXX XXXX myself. Apple law will try to say I " breached : my contract and stopped making monthly payments but apple law told me my dent would be resolved within 6 months so why should I continue giving them money when they are not doing anything. After being threatened to be sued by XXXXk XXXX XXXX apple law finally " attempted '' to settle my debt in which I had to pay more than half of my debt still instead of paying 1/3 of what I owed which was what was advertised by Apple Law. Apple law refuse to also credit me XXXX which was my remaining balance that they did not use ( I sent them a lump payment of around 1200 in which they used around 700 to make the first payment to XXXX XXXX XXXX ) I also had to settle my XXXX XXXX debt myself because the employee there couldnt get me an offer lower than XXXX whereas I got myself an offer to settle for XXXX. Apple law group is out of business now and I dont how how to my money back for false services and my credit of XXXX that I paid in excess.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-01 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: SC

Complaint narrative:
I have reached out to this company about placing a security freeze on my report 2 times I have yet to receive a response, i have attached pdf files of me asking these companies for security freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hi my problem is about PayPal and their misleading ways. 

I started my online business about 7 months ago and everything was going smoothly. I decided to integrate PayPal to my website as my online processor because I felt PayPal could protect both me and the customers from any fraudulent activities. So After processing over {$1200.00} through PayPal, Paypal decided to permanently limit my account and hold all of my funds for 180 Days with no reason stated. My account has never had a charge back or dispute from customers but PayPal just decided to permanently limit my account and hold all of my hard earned money. I called PayPal to try and solve the issue. I asked them for the reason why they limited my account but they haven't provided an answer to the question. They've refused to get back to me. I even requested for a re-appeal but I was denied. They were so rude! They kept me on hold, they didn't answer my questions and they even hung up. I'm yet to know the reason why my account got limited. I'm so disappointed in PayPal for this unethical and misleading ways of theirs. Before my account got banned, I was asked to provide some information like customers tracking numbers, receipt of purchase from my suppliers. And I provided everything immediately but I was still limited. I even uploaded all tracking numbers!. This is so wrong and disappointing. Paypal will ruin thousands of businesses with these behaviors. I'll attach proof of my transaction below. I uploaded my invoice of purchase from my supplier. And also, proof that I uploaded all the documents I was asked to do ( as you can see, it was in review )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or around XXXX XXXX I began receiving text messages about my card accounts from XXXX XXXX by XXXX I had a dispute with card XXXX and that card was replaced by current card XXXX. Apparently money off of card XXXX in the amount of {$1300.00} was left on this account that was allegedly closed out. I made numerous attempts to resolve this issue, but each time was given a dissatisfied answer. They kept telling me that the account was closed XXXX XXXX ) and no information could be retrieved pertaining to account.XXXX  XXXX the text alerts that used to inform me every morning has halted informing of account XXXX the supervisor was so rude as to get in touch with my employer to get answer about the funds when its XXXX who is in charge of rejecting or accepting monetary dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: MS

Complaint narrative:
I have Contacted these companies multiple times about placing a security freeze on my file but to no Avail did it work, so now i come to you for results. I have the picture of proof that these files have been frozen but everytime i download my report each month it doesnt say such i need these bureaus to show proof they have placed a security freeze on my credit file

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 2020-04-01 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: FL

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-04-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MS SERVICES LLC
State: NC

Complaint narrative:
My bank, XXXX XXXX XXXX XXXX, allegedly submitted a collection to MS Services in the amount of {$150.00}, but I do not owe the bank any money. The bank denies submitting the claim to the collection 's agency and my final statement clearly shows a zero balance and that I do not owe anything. Especially given the times, I am unable to open a bank account or get a credit card and need this matter fixed immediately. I sent the collections agency a letter, as they were extremely rude and would not work out the oversight over the phone on XX/XX/2020 and I would really appreciate some assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This loan was paid back in full to the original lender XXXX XXXX. XXXX   has acknowledged such and has released all its claims. Yet the debt still shows being owed to the SBA on my credit report.

Additionally this debt was over 7 years old and should not be on 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 explanation