vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by

my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. Likewise, these COLLECTION ACCO
UNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have a Macya credit card ; it is issued by Department Stores National Bank pursuant to a license from American Express. 

I cant find the interest that I am being charged on the online statement or anywhere on their website. 

I only get an online statement. I called them and was unable to speak to a customer service person.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting bankruptcy on my credit file. Both XXXX  and TransUnion as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both XXXX  and TransUnion proceeded to send out a letter stating Bankruptcy verified or updated letter.

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 2020-05-01 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

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 2020-05-01 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I discovered a fraudulent transaction on my bank account. It was completed electronically through my bank without my knowledge. The company is XXXX XXXX XXXX XXXX. When I called their toll free number ( XXXX ), a  service answers that does not identify the company but placed me on an extended hold. 
I researched the toll free number and found this site https : XXXXXXXX XXXX At the time I looked, there were 21 reports of fraud by this company in the span of 13 days with at least three different banking institutions. It appears that they may have hacked or otherwise found a way to access accounts from M & T, XXXX, and XXXX XXXX XXXX  at a minimum. The individuals who said they were able to speak to a person from the toll free number stated that that person could not identify the companies that charged the funds but that it was for random internet sites. All of the complaints had similar small amounts of funds taken without their knowledge. 
NOTE : Step 4 of this process required that I name the company the complaint is about. This is not possible since the company is a FRAUD and is not listed in your system. Unfortunately, I had to enter the name of my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
2 weeks ago Sunday, my wife XXXX XXXX XXXX Help Desk and got a number from the internet. The person picked up and answered " XXXX Help Desk ''. He spoke to her about her problem, then asked for her XXXX Login ID to verify something. The conversation quickly morphed into a conversation that someone in Georgia was trying to hack her account and he needed to verify her account information. She complied, worried that someone would hack her XXXX account. The " Help Desk '' rep then led her through a wild series of exercises eventually convincing her to add a XXXX recipient to her online banking and send him a " test payment '' of {$440.00}. Reg Flag right? My wife had never used XXXX and was told it was a test payment and she'd get it back right away. There was no message that popped up telling her that {$440.00} was going out the door, did she know this recipient, and that she could never get it back. 

The moment the new recipient was established at Wells Fargo, I got a pop up warning on my phone. I went downstairs and questioned my wife and she told me what was going on. By that time the money was out the door. 

I immediately called Wells Fargo, but had to spend 1 hour waiting on the phone. We explained the situation and the Wells Fargo rep said they'd open a case. Two weeks later Wells Fargo sent us a paper mail making no reference to Fraud and saying that since XXXX " authorized '' the payment, there was nothing they could do. XXXX never " authorized '' a payment. She was tricked into sending money though social engineering. 

We'd like our money back and are seeking your help. XXXX knows exactly where the money went and to which account. Wells Fargo needs to help and they are offering none. If a refund is not possible, I am asking you to introduce legislation to require that banks are required to have a huge pop up window before sending money from XXXX informing customers that 1 ) Are they aware that they are sending money out the door? 2 ) Are they aware that XXXX payments are non-refundable and gone forever? I blame Wells Fargo for allowing this to happen without sufficient warning. We notified them immediately of the situation, and they sent us a form letter back telling us sorry for our loss. This is just wrong. We'd like out money back Thanks, XXXX XXXX XXXX XXXX  XXXX XXXX, CT 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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX  are reporting bankruptcy on my credit file. Both Experian and XXXX  as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both Experian and XXXX  proceeded to send out a letter stating Bankruptcy verified or updated letter.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
As of XX/XX/2019, I moved my business out of XXXX XXXX and to XXXX. I notified the city and I was told they updated in the system. Without a previous bill, I just received this collection notice. - It was sent to my XXXX XXXX location so I didnt even receive it until just recently. Even if this Information did not properly get updated in the system like the city assured me it was, I also should have received some kind of bill before a bill from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX my house was finance with XXXX XXXX company. XXXX insure me with XXXX XXXX XXXX XXXX of Florida. At this time I already had outside insurance on my home. Insured with XXXX XXXX co XXXX XXXX SC XXXX XXXX XXXX XXXX My house payment increase do to the insurance that was put on my home from XXXX. On XX/XX/XXXX I got switch over to Shell Point XXXX. XXXX XXXX XXXX company of Florida sent me a letter stating that this insurance have been cancel due to me having outside insurance. Cancellation date XX/XX/XXXX at XXXX am the day that the insurance was brought from XXXX. XXXX returned was {$910.00} back to XXXX. This document was faxed to Shell point along with proof of insurance on XX/XX/XXXX. My payment for XXXX is {$570.00} which it should be {$440.00}. I have called Shell Point several times and they fell to fix this. Have spoke with Supervisor of Shell Point and supervisor states, " I can't fix it until XXXX send us the money. '' Attempt to call XXXX and they are not accepting any calls. An analysis was done for XXXX brought payment down to {$450.00} due to escrow from insurance. My agreement that was sign when I purchase this house had no escrow account. Until this matter is taken care of and I receive my overpayment I refuse to pay. My agreement with this finance company is XXXX x 30 years. The number to my insurance company XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
AMEX is reporting a 30 day on XX/XX/19 & XX/XX/19 on my credit report. I was never late. I have had an account with them for a very long time and I don't recall getting a statement the months that they are claiming I was late. I have paid the same way every time over the phone. The representative kept saying a PIN was required and then stated that my payment went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was XXXX XXXX and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.

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 2020-05-01 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: U.S. BANCORP
State: TX

Complaint narrative:
My texas unemployment card has not been received and from the correspondence box on XXXX  website it shows my information wad sent to an old address. We do not have and/or received a payment card and can not access our unemployment benefits. WE CAN NOT GET THROUGH TO ANYONE VIA TELEPHONE AT EITHER XXXX AND/OR RELIACARD.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
Debt was charged off by the company 12 Continental Financial in XX/XX/XXXX. Without my knowledge debt was re-opened by XXXX XXXX XXXX  in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, XXXX reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with XXXX XXXX XXXX that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: OR

Complaint narrative:
ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} 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 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: IL

Complaint narrative:
When I looked at my online account balance on XXXX, it stated it was - {$200.00} ( meaning I over paid and was due a refund ). However, when I called to inquire about my overpayments, they told me I still owed {$150.00} on the loan. They claim to have no record of what I saw on my end, I sent the company a screenshot and explained that it was fraudulent behavior to have differing account balances due, they said I was looking at the wrong balance and should have been looking at another page. From my understating the account balance should accurately report the balance a consumer owes consistently on all pages, formats etc. There should not be differing balances due, that is in direct violation of the fair credit reporting act. 
Desired Resolution : Refund Desired Outcome : Account settled and reported as paid in full as agreed and a refund of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I am contacting you regarding mortgage forebearance under the Cares Act. It is my understanding that the intention is for lenders to provide  mortgage forebearance in the form of adding the 90-day deferment to the end of the loan life. It is not the intention that lenders require the deferment in a lump sum payment at the end of the deferral period, plus then the current month due. This is not what LoanDepot is doing. I attempted to call to inquire about forebearance and was directed to website citing extremely long wait times. On the website, is clearly posted their policy to require a lump sum arrears payment plus current month due payment. This is obviously no help at all. It does add a clause saying you can argue the lump sum payment later but these are the terms that must be agreed to now. Well, I am smart enough to know that if I agree to it, I am beholden to it. I can't risk losing the agrument later and being in a even worse financial crisis. 

I am contacting you in order to alert your organization to this potential violation of the Cares Act. And in hopes of helping other LoanDepot mortgage holders. Company contact info : LoanDepot, XXXX. XXXX XXXX, XXXX NJ XXXX ; loandepot.loanadministration.com ; XXXX.

Company response to consumer: Closed with explanation