vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, XXXX, XXXX, and Transunion stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-12-21 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: AL

Complaint narrative:
The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, XXXX, Equifax, and XXXX stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 {$0.00} -This is not my account. 

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 explanation
Consumer complaint received 2020-12-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was approved for unemployment back in XXXX with a claim start date of XX/XX/XXXX. And up until XXXX everything was fine. Then my card was frozen I contacted XXXX to find out I needed to verify my idendity. On XX/XX/XXXX over the phone rep uploaded the link to my profile and I submitted my California I'd and birth certificate. They told me initially that on XXXX everything would be cleared once identity was verified. XXXX I was told it would be 4-6 weeks. On XX/XX/XXXX I spoke to a lady who did idk what with my uploaded documents and had me re upload them asking for review of my case. On XX/XX/XXXX the documents I submitted on XX/XX/XXXX were denied and I was told to wait 4'6 more weeks. Then I was told that I had been disqualified and I had to appeal by this point I had managed to get verified through idme and still I couldnt get verified though XXXX even though that's how new claims are verified? I mailed copies of the same documents I uploaded and were rejected by XXXX to the I'd verification address in XXXX XXXX and XXXX appeal. On XXXX appeal was recieved by XXXX but the appeals office told me they still haven't received the file. I asked them if I could just make an appointment with the judge so they could verify my identity and was told I have to wait 4-6 more weeks. On XX/XX/XXXX my appeal was overturned and XXXX switched me over to checks but the balance on my debit card is still frozen by bank of america who claims they can not touch it and just refers me back to edd but bank of america has sent me 2 confirmation emails stating my account had been updated I dont know what else to do

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing inaccuracies on my report I have 2 charge offs reporting on my Equifax report that is reporting available balances and reporting late payments. I received about 6 letters from first premiere stating that they report correctly to the bureaus and if I believe that something is inaccurate to contact the bureaus and they don't do anything but update the date last active. I need these 2 accounts deleted immediately. 

XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: IL

Complaint narrative:
I reached out to transunion, XX/XX/20, to inform that I attempted to reach out directly to XXXX XXXX XXXX to inform that I have been a victim of identity and the given account was not mine however the given company informed that no evidence showed I was a victim of identity theft. I provided the identity theft report i provided to the company as well as a letter requesting the account be removed from my transunion report. transunion declined and informed that account was verified. The account is reporting as charged off which is hurting my credit score as well as other XXXX XXXX accounts are showing as well.

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Due to the coronavirus, I was quarantined home for 21 days during the month of XXXX, during this time I was not compensated in any way from my employment, as I adhered to the guidelines of the quarantine. Also in addition to that, the area that I live in was hit with multiple hurricanes and while recovering from that, then being quarantined, I fell behind in my finances in lieu of it and was late making my mortgage payment. The mortgage company reported a 30 day late payment notification to all credit bureaus and upon calling them told me that it was nothing that they could do about it. The late payment was in the amount of {$280.00} for the month of 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 non-monetary relief
Consumer complaint received 2020-12-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I am a victim of a financial crime by XXXX XXXX XXXX. 

I was an intern for XXXX XXXX XXXX and he manipulated me and scammed me into starting a business. After registering the business and opening a business account, he maxed out the business credit card and left me with the debt. 
His intention was never to be involved in the business but to defraud me and gain access to the credit card. The unauthorize transactions was not business related and was used for personal reason such as a diamond ring, using the credit card to cover for his other debts, and giving it to his family members to use. 
This incident occurred between XX/XX/XXXX to XX/XX/XXXX. 

By the time I found out, I later was informed that XXXX XXXX XXXX was arrested for financial crimes filed against him by other victims. I learned that I am one of the many victims that are filing a report against this criminal as well. 

I went to Chase Bank to address my concerns for the charges and a representative filed a claim on my behalf. 

A month later, I saw the charges were dropped from my business account. 
I called Chase Credit Card Services to confirm and spoke to two representatives that said that I had a negative balance and that my claim was approved. 
A month and a half later, I was rebilled around mid XX/XX/XXXX. 

I am now dealing with the Bank regarding all of XXXX XXXX XXXX charges and they are not able to help me even though I followed all instructions given to provide additional documents regarding XXXX XXXX XXXX case as well as the detectives contact information to verify the documents and information. 

Although I have followed all instructions, my case was denied. 

A detective on his case reached out to Chase recently in XX/XX/XXXX via email but have not heard anything since then. 

Attached are articles of his case and the reports of all of the charges with dates under XXXX XXXX XXXX along with a photo of the Credit Card that he used. 
XXXX XXXX XXXX unauthorized fraudulent charges are in the sum amount of {$41000.00} ( Attach are his unauthorized charges and you will also see a " XXXX '' charged demonstrating he is pretending to be a " escrow '' company scamming other people with that email. 

His booking number is also attached to this report as he was held custody for Security Fraud and Fraudulent activities. 

I have filed a claim with Chase bank, and they have denied my claim each time this year from XX/XX/XXXX until now XX/XX/XXXX. 

Please help with this case as I am under severe financial stress as XXXX XXXX XXXX has left a huge debt under my company credit card and have not faced any consequences regarding his actions Thank you for your time and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 {$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. 
-- AUTO ACCOUNT -- 1. XXXX AUTO 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 explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I submitted an online application via Navy Federal Credit Union website for a checking and savings account on XX/XX/2020. I was approved and given account information online after submitting application and a deposit of XXXX into checking account via debit transaction. On XX/XX/2020 I received NFCU debit card via mail. Once trying to activate via telephone I was advised to speak with a representative. A representative stated I needed to speak with someone in Fraud dept. After waiting for approx 35 minute to speak with someone in that department a representative stated that " I committed fraud on the account ''. I stated what was the problem she stated it had something to do with consumer credit report. After asking several questions about trying to resolve and if I could submit any additional information to get this resolved she stated '' NO '' and I could never open an account with NFCU. Also asked if I would get a letter stating reasoning for this decision also stated " NO ''. Refund of monies deposited into checking account have to be disputed by the bank I submitted debit transaction per representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 {$14000.00}. 
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 Laending 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 with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -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 2020-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a TJX credit card that was lost/stolen in my area and someone used it but I only had a credit line of about {$1200.00} and this person was able to spend {$3000.00} on my card and not once did I get a call from credit card asking if I had been making the charges nor was I aware that they raised my credit line to about {$3200.00} without my permission or knowledge. I have disputed it multiple times and the last time they told me to file a police report which I did and sent to them and then I get a letter stating I am liable still even after filing the report. I did not benefit from this and I want it to be removed from balance and I have felt obligated to make payments so they dont ruin my credit but in no way am I admitting fault by making these payments and I want a refund of the overpayment when this is reversed in my favor because they claim I have a 0 % liability but they are not doing anything.

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 2020-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: OR

Complaint narrative:
While on the lendingtree.com web page i was seeking an installment loan, I was re-directed to XXXX, who presented itsself as a genuine loan company. I followed the procedure,, then XXXX wanted my bank rt # and acct # to proceed, i supplied them with the information, believing they were the financial co that would be processing my loan, only to find out that i will need to supply them with my credit score from a credit resource they are affiliated with, for absolutely no cost, When i get to the XXXX  XXXX XXXX XXXX i find out i can not proceed with my loan request untill i submit my credit card info and pay {$1.00} for the credit report, i submit the required {$1.00}, I see the report an then am put into a forced agreement telling me that i have now purchased a {$39.00} per mo credit XXXX product and the only way out is to phone them within 7 days to cancel. I immediately stay on the site and search for the telephone # to cancel. after A WHILE ii find it and cancel. so now i have no credit report, my banking information was fraudlentuly required by XXXX. and u don't have a clue why they require it, a waste of multiple hours, leaving myself open to identity theft. and I want Lending Tree to change their policy 's concerning, where customers are directed to when they think they are dealing with a reputable company represented by Lending Tree. Thank You

Company response to consumer: Closed with explanation