vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: IL

Complaint narrative:
Company is reporting my account as a charge off and the account is open and was paid in full.

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 2020-01-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX BLACKMAILED ME TO BUY EXPENSIVE BUT WORTHLESS EQUIFAX CREDIT MONITORING BY EQUIFAX DELIBERATELY LEAKING MY DATA. EQUIFAX RETALIATES BY FALSELY CLAIMING I HAVE BEEN THE VICTIM OF FRAUD ALERT. I HAVE NEVER BEEN THE VICTIM OF A FRAUD. EQUIFAX CAN NOT PROVE I LIE. BUT EQUIFAX PERSISTS IN UNJUSTLY GIVING ME A FRAUD ALERT. I WANT ALL FRAUD ALERTS REMOVED BECAUSE THEY ARE FALSE AND INJURE MY CREDIT UNFAIRLY. I WANT TO GET BACK ON PROMOTIONS LIST. I WANT XXXX XXXX FREEZE NOT LEGISLATIVE SECURITY FREEZE. EQUIFAX DELIBERATELY FALSIFIES MY ADDRESS TO XXXX XXXX XXXX WHEN IT SHOULD BE XXXX XXXX XXXX XXXX IN ORDER FOR EQUIFAX TO EVADE GIVING ME VALID NYS SECURITY FREEZE. EQUIFAX DOES NOT ANSWER AND HARMS CONSUMERS AND ME. I AM A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I was blocked in my driveway by a man and his tow truck. I asked the man to remove himself from the property but the man refused and threatened me saying " if you do not give up the vehicle then I will call the police and have you arrested '' the man called another man to the block an end to blocking the entire XXXX XXXX  access to the front of the of my house when the second man arrived he walked up to me and demanded I give him the key to my car I argued and both tow truck drivers grabbed my car key from my hand and I wrestled with them both for a only a second or two they told me to remove my belongings from the car or they would be forced to remove it at some point then after I removed my belongings the second tow truck driver said to me Sia in court I contacted the lender only for them to request the full amount of the auto loan title loan I had obtained in XXXX plus interest which was approximately {$3200.00} I was not able to come up with all of the {$3200.00} I haven't heard from the lender since the repossession of my car according to contract and federal consumer law all right it is applicable and lawful to inform a client or consumer income in contract about the sale of property the lender has never informed me of any information regarding the whereabouts of my car or the planning of the sale of my car or the amount that they sold my car for I am asking that I be confiscated in the amount of the loan the original loan amount of {$2500.00} for the loss of my vehicle the loss of my employment the grief of being uninformed of the sale of my car and I requested the tow truck tow company compensate me for mishandling my private agreement with the lender in the amount of {$6400.00} that cost the original cost of my car at the time of purchase .XXXX  XXXX the lender company is Advance America in XXXX California and the tow company is a private third party that the lender used to repossess the vehicle from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Investigation took more than 30 days
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 {$95000.00}, {$9300.00}, {$31000.00}, {$16000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95000.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -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 2020-01-14 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: PR

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charged my card with a fraud that had already been deputy on XX/XX/XXXX, credited it to my credit card. Then they decided to take my credit and they charged my card. It is totally unfair this action they took without consulting me and it hurts my credit points. 

In the statement you can clearly see the adjustment that made {$400.00} dollars in the XXXX and then put it on XX/XX/2019 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 2020-01-14 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: PR

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged my card with a fraud that had already been deputy on XX/XX/XXXX, credited it to my credit card. Then they decided to take my credit and they charged my card. It is totally unfair this action they took without consulting me and it hurts my credit points. 

In the statement you can clearly see the adjustment that made {$400.00} dollars in the sheraton and then put it on XX/XX/2019 2019

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 2020-01-14 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 — Investigation took more than 30 days
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 {$95000.00}, {$9300.00}, {$31000.00}, {$16000.00}. 
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 CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95000.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -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 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Sir, Re : Incident on extortion of my school fund by XXXX XXXX XXXX XXXX and XXXX XXXX on my dead Cat. 

I wish to notify you that I am still deeply in pain regarding the huge sum of money that was meant for my school fees and books which was extorted from my bank account by the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX who vividly knew that my cat I brought to them is already dead without advising me, but took a total sum of {$1100.00} from my account on two different occasions. Below are the case numbers on two different occasions my money was deducted from them : ( a ) Case # : XXXX ( {$350.00} ) ( b ) Case #  XXXX ( {$830.00} ) Total : ( {$1100.00} ). 
However, I felt devastated about this trick of taking this money from my account knowing I am a student trying to survive and finish my school, because It's the only money I had to pay for my rent, Bills and books for my final year exam, as I have nobody to assist me in my academic pursuits. As it stands now, my account is zero and I am resuming school on XX/XX/XXXX to continue my education and I would appreciate if my fund is restored back from this animal hospital back to my checking accounts because I felt being trick and they extorted my money as they knew that my cat will die within twelve hours the moment I brought it to enable me pay for my books and fees in school. Furthermore, I expected the doctor to convey to me that my cat will die within 12 hours I brought it after He checked on my cat to enable make a decision, but rather trick me and eventually my cat died and He extorted my school fund from my account that left me to zero.Thank you for your maximum co-operation and I am anticipating a positive response from you. XXXX bless. 

Sincerely, Student 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 2020-01-14 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: EOS Holdings, Inc.
State: WY

Complaint narrative:
I have tried numerous times to get a debt off my Credit report for the last 5 years! First and foremost, I am sure I paid it in full, then the company turned around and proceeded to send me to a collection. I paid the collection company, as you will see on the attachment, and they still after 5 years do not remove. 
I get in my mail in XX/XX/2014 that the Company has turned me over for Collection. I call and try to talk to this company which only collects a debt! So, if the debt is paid before a certain date the amount to be paid is lowered. I could not and would not spend another ounce of my energy on this so I paid it. Did the Credit Reporting or the Company take off my credit report. NO, they did not. Is this fair, it is not to me, and specially after 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/1920 - I apply for and receive a {$1000.00} loan from XXXX XXXX who state my credit score is XXXX. A week earlier, WELLS FARGO BANK refused to refinance my home, stating my credit score is XXXX and below the XXXX credit score they require. I asked WELLS FARGO BANK to reconsider their decision, but they refused to. At WELLS FARGO BANK in XXXX XXXX, WA, I applied to refinance my home and was shown the terms of that refinance.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank, N.A XXXX XXXX  XXXX, XXXX, DE XXXX Dear Chase Bank, Credit Card ending XXXX I am Chase Private Customer ( XXXX ) and Investment Brokerage ( XXXX   ) account holder. 
I have a low credit line on my credit card.I requested credit line and got denied due to low income. 
My credit score XXXX XXXX  - XXXX  XXXX - XXXX   XXXX as at XXXX Please reconsider my credit limit increase request Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$1000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -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 2020-01-14 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 {$2200.00}, {$1000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -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 2020-01-14 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 {$2200.00}, {$1000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: MN

Complaint narrative:
I placed a freeze on my credit report with Experian in fall of 2019 but I changed my mind a few weeks later and attempted removing the freeze without success. I tried calling multiple times but the process will not accept the requested information and there is no option to speak with a life representative. I have written Experian a few weeks ago requesting them to unfreeze my credit report and still no response from them. I am not able to access my Experian credit report nor can any other entity because it is frozen. 

I am more than frustrated and considering legal action if that is the only way to get Experian to unfreeze my account. 

Any assistance is greatly appreciated.

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 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The company was deceitful in making me pay this already discharged Bankruptcy debt by making me believe that I still actually owed them for this debt that dated back to the year of XXXX. Besides the age of the debt, this debt was completely discharged by the United States Federal Bankruptcy court on XX/XX/XXXX and therefor I legally have no further owed obligation to repay a discharged debt as a result of my recent chapter XXXX bankruptcy filing done on XX/XX/XXXX at the XXXX, CA Federal Bankruptcy Court. Speedy Cash made it seem as if I paid this debt that they still are illegally claiming that I owed to them despite the fact that I had filed for bankruptcy, that they would give me a new loan once it was paid. They deceitfully lured me into making this payment to them thinking that I would be approved for a new loan from them for a much higher dollar amount, but instead, after I had made the payment to them, they conveniently denied my request for a new loan, and in fact, also told me that now I had to wait 60 more days before I could even re-apply at all. They not only lured me into paying off an old discharged bk debt, but they deceitfully did it and lied to me about being able to get a new loan from them afterwards if I had re-paid this discharged debt. Now they also not only deny this loan, but make it so I cant even re-apply for 60 days. Also, when they denied me I was not given any reason for the denial after I was told that this loan would be approved. Instead I get an email the next day that states that I was denied due to information they received not from a credit reporting company but a different unnamed source that has nothing to do with credit reporting bureaus etc This company was deceitful, dishonest, and preyed on my vulnerability. The next step is to file a complaint at my local court, and possibly at the Federal Bankruptcy Court for my region as well, if this not resolved at this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
There are 4 XXXX XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.

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