vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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:
Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Local Management, LLC
State: SC

Complaint narrative:
The branch manager left me a very mean voicemail message which said " XXXX, this is XXXX. You lied to me. '' ... I was stuck at work and not able to leave. I am distraught by this. 
I have a copy of this very mean voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried to get inquiries that I do not recognize off of my report from Equifax. I have repeatedly called and filed disputes to no avail. They have told me that it is factual data. Factual data or not I didnt make these inquiries. I have been the victim of 19 data breaches that I can verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: PA

Complaint narrative:
I XXXX XXXX notice that Equifax and XXXX   continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX XXXX {$560.00} ) continues to report to Equifax and XXXX ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against EQUIFAX and XXXX. 

( XXXX XXXX XXXX XXXX {$560.00} ) EQUIFAX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : Equifax, XXXX XXXX and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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:
Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29 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 XXXX XXXX notice that XXXX and XXXX  continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} ) continues to report to XXXX and Experian ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against XXXX and EXPERIAN. 

( XXXX XXXX XXXX/XXXX XXXX {$560.00} ) XXXX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, XXXX XXXX and Experian. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
In late fall of XXXX tried to log in to my account and was told they couldnt verify my information. Called and reset account, which used the same user name and password as before, even though I couldnt log in with those same creditials before calling and resetting. Tried logging in again in late XXXX of XXXX, wouldnt let me in. Called in XX/XX/XXXX. Customer service rep told me she couldnt verify my security based on the information I provided but couldnt tell me what I provided that was insufficient due to security reasons. The only information I provided was my account number. As I began to provide my online log in for security verification purposes, I was told that they couldnt verify my identity and that I would need to go in to a local branch. They couldnt tell me what else they needed to know to verify my identity, also for security reasons. But they didnt ask for anything. I live abroad and cant walk in to a branch. Moreover, in the past, any time Ive gone to a local branch looking for online banking help, Ive been directed to their phone customer service. Now Im locked out of account that might be hit with inactivity fee at any time because there is no set amount of time of inactivity that could suddenly trigger an inactivity fee. This is due to the banks own negligence, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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:
My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. 

I also have inquiries still reporting that should have been removed along with fraudulent inquiries reporting in my file. 

I am requesting your assistance in this matter as I have already emailed the CEO of Experian as well as several additional senior executives to get this issue resolved as well as submitted a complaint with teh XXXX. The fraudulent account to be deleted and blocked is XXXX. Also, since the XXXX payment history is inaccurate, it is ti be deleted as well.I have been battling with this issue for some time and have submitted complaints to the CFPB and XXXX  and also the CEO of Experian in hopes of getting this egregious wrong righted. 

Please see attached for the police report and supporting documentation.

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 2019-04-29 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: OK

Complaint narrative:
I had broken a lease in 2016 due to someone breaking into my apartment. That person lived in the same complex. I notified the police and they came out and didnt an investigation. I shortly after moved out. I am now having this apartment company put collection info on me. In Oklahoma all you need to do to break a lease is have your livelihood jeopardized or in danger. They ( XXXX  ) are reporting that I accrued this {$1500.00} in damages and other fees which is a fictitious lie. They are actually trying to get the three months rent. I have disputed this 3 times with Experian to no avail.

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 2019-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
on the XXXX of XX/XX/XXXX I made a wire a transfer of {$25000.00} to a merchant called XXXX. 
It turns out that the details ( wire details ) transferred the money to a XXXX Bank account called XXXX XXXX XXXX - this account obviously had no connection to the merchant I had ( tried ) to transfer the money to. 
In the end of XXXX I realised that this transfer was probably a money laundering or wire fraud attempt and I asked my bank ( Chase ) to recall the transfer. 
They came back to me saying that there was no more money in the beneficiary account and that they could not recall the money. 
The Recall Case Id : XXXX I feel that Chase should have shown due diligence and should have " flagged '' this highly suspicious amount and warned me not to transfer it to the suspicious beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
On XXXX XXXX 19 I made a payment to NewRez ( aka XXXX XXXX aka Shellpoint Mortgage Servicing ) in order to make up an escrow shortage of {$540.00}. This was supposed to lower my monthly payment to {$1600.00} per month. I noted, on the check, this payment was for escrow. NewRez received my payment on XXXX XXXX 19.  Although NewRez received the funds they did not apply it to correct the escrow shortage, resulting in a higher overall monthly payment. NewRez misapplied my payment as a partial payment. I have called at least three times since XX/XX/XXXX to resolve this. Each time I have been promised the error would be corrected. As of XXXX XXXX 19 this issue is not resolved. The mortgage was recently sold to XXXX XXXX ( aka NewRez ) and I am in the allotted grace period for punitive actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
To whom it may concern, I am very distressed having to write this letter but I see no other way to resolve this issue. On XX/XX/XXXX I decided to get a loan to pay off my credit cards. My Barclay card was to be paid off at XXXX dollars. The bank distributed the checks to the various creditors ; I provide the statement payment stubs with the corresponding envelopes. Somehow the Barclay payment never made it were it was going. All payments were made with official bank checks. When I received my XX/XX/XXXX bill from Barclay I noticed the {$3100.00} payment was not there. I just figured it had not posted yet. When I got my XX/XX/XXXX bill and it still hadn't posted I contacted my bank they retrieved the canceled check and called Barclay. The bank has faxed and emailed the canceled check to Barclay several times. Barclay finally came up with the answer that the check had gone to the wrong bank, were some of their accounts had been sold too. The bank and I have been calling Barclay Almost every week to no avail. I was told in XX/XX/XXXX when the investigation started I would not be charged late fees or interest until the matter was solved. I on XX/XX/XXXX and XX/XX/XXXXBarclay called 5 to 6 times I returned their called assuming they were going to tell me the problem was solved, they informed me I owed them a XXXX past due payment .I informed them as far as I was concerned they were paid off I have a canceled check made out to Barclay . We have been dealing with this since XX/XX/XXXX every time you call them you get someone different to speak too, the last supervisor I spoke to tried to get a specialist to speak to me, he was told none were available. I really need help resolving this matter ; it is putting a strain on my mental health and my marriage Thank you for your time, 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 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has been calling my phone number since I got the phone number, before I actually plugged a phone in. They call at all hours of the day numerous times. I have repeatedly informed them that they have a wrong number and they refuse to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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:
Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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:
Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Today I received a follow up call to the complaint : XXXX The person identified herself as XXXX, employee # XXXX from the executive office. She stated that the purchase dispute was initiated however she wouldn't provide me with any case number or standard statement that the purchase will be put on hold pending investigation. When confronted by this message she informed me that I will be contacted by dispute dept in writing within unspecified period of time. When I confronted her that this way of dispute handling means that the dispute actually was not initiated she acknowledged that it is not her dept to start the process and as result I request to be put in touch with dispute dept immediately. Subsequently I was again put on the over 20 min hold without any dispute dept coming online.

Analysis : It is obvious that Capital One is refusing to make the dispute purchase process available to the card members despite two phone calls and over 45 min spent in doing just that. The CSR XXXX acknowledged the issue stating that it is beyond Capital One 's control. No it isn't as Capital One is a multi-billion corporations with enough resources to address it in both technology and manpower. It is a deliberate effort by Capital One to deny or at least delay the process thus the suggestion that the dispute to take place by letter and not on the phone. 
I expect CFPB to put sanctions on the bank as this deceptive way of doing business is simply unacceptable and defrauds consumers.

One question can be posed : how much time and how many attempts at purchase dispute are considered appropriate so the company fulfills its responsibility under the card members ' T & Cs?

Company response to consumer: Closed with explanation