vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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:
On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to XXXX, XXXX and Trans Union paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that XXXX received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that Trans Union received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.

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 2019-04-10 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:
On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to XXXX, Equifax and XXXX XXXX paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that Equifax received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that XXXX received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that XXXX XXXX received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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:
one XXXX account is reporting fraudulently on my equifax credit file. this in is not my account, i have disputed this account for many months XXXX and XXXX have already removed this account with the best customer service, but equifax is very much ignoring my request, please help, i have XXXX and found out that is site would be helpful to consumers. you are my last hope. please have this inaccuracy removed from my credit file, i will be attaching the FTC report to this site please help me with this matter thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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:
On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2019, I submitted via certified mail, notarized FTC reports, notarized police reports and notarized personal statements that highlighted fraudulant/inaccurate personal information and inquiries on my credit report with Transunion. Per my request and FCRA rules the bureaus had 3 days to remove incorrect information from my profile, however they only removed/updated some items. I have given the bureau ample time past the allowed time given via the law to remove all fraudulence personal information and associated inquiries yet they are refusing. I have disputed such items and the bureaus has refused to properly verify the validity of such personal information and inquiries. 

*Please see attached documents titled Id Theft6 and Id Theft2 underneath address and Inquiries

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 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This has been a rather arduous experience having to deal with a fraudulent payment for goods never received by an individual. This payment was remitted using US Bank 's transfer method of sending money via XXXX XXXX. Payment was sent on XX/XX/2019 in the amount of {$400.00} for auto parts which were to be mailed once the funds were successfully submitted. This is an individual whom I've never had dealings with aside from a few text messages specific to the part and costs. After successfully sending this payment, I never heard back from the receiver. It is now XX/XX/2019, two months later. Since then I've contacted US Bank and spoken to numerous staff members with the fraud and claims department. This first claim filed ( # XXXX ) was denied as it was improperly taken in as per my later findings. Subsequently, I contacted my local branch manager, XXXX at the XXXX XXXX XXXX, CA branch of US Bank. She then assisted in putting together a new claim for the same issue ( ref # XXXX ) on XX/XX/XXXX. As of my follow up call today to US Bank I am being told that this claim was once again denied. I called and spoke to the branch manager as well, and in short, this was her response to the matter as well. This is activity is fraud and the method of payment was fully followed based on the US Bank 's directions to send such payments. Subsequently, the bank has failed in honoring and doing the right thing by their customer largely due to lack of oversight within the process, in my opinion. I kindly request this amount paid by means as such be refunded back to my account accordingly. Thank you for listening. Loyal customer.

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 2019-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
For the past several months, I have been trying to open a checking account at chase.com I enter my information, hit submit, then I see a message stating that Chase could not open the account because the product wasnt available in my region. This seems a bit odd since there is a Chase branch not too far from my home. 
Since I had previously held an account with Chase, I tried the application again, this time, I indicated that I was a Chase customer. I used my Chase login credentials, however, I received the same error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
XXXX XXXX XX/XX/18 One Main XX/XX/18 One Main XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet exeter is trying to collect {$XXXX} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My home loan was transferred from XXXX to this new servicing company, Loan Care XXXX # XXXX. They were behind and delayed in sending communications about the transfer of the servicing and apparently my direct autopay was removed, even though they have it on file. I made the payment on XX/XX/2019 online since the new servicing Company stated over the phone, upon speaking with me that my autopay was not transferred and I needed to establish that again. I received this information also in writing. Today, XX/XX/XXXX, I realized that the new servicing Company ( Loan Care ) took the initiative to take another payment without my consent. I called them today immediately to request refund but they told me will not be able until XX/XX/XXXX. I told the specialist as well as his supervisor that's unacceptable because I have another auto draft mortgage payment that is scheduled for this Friday and my money {$880.00} needs to be back into my checking account this week, by XX/XX/XXXX, ASAP to avoid incurring in late fees or credit impact. 

I am reaching to this regulatory agency for help since they are not taking seriously my concerns. What they did is a violation of bank regulations, taking additional payment without customers consent even when the account shows current. That's crazy!

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, Capital One Bank sent me credit card sign up information in mail saying that, I am already approved. However, when I did follow the instructions, I was declined card after making a hard inquiry to my credit report. This has happened twice and thus actually influenced my credit report in a negative manner twice. I would like at the least these hard inquiries to be taken away off my credit report. 

These inquiries were made on XX/XX/18 and XX/XX/2018. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet XXXX  is trying to collect {$32000.00} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong

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 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I have made multiple attempts to speak with this company and have disputed the information related to this collection. It is not correct. I have never owed " XXXX '' any money.

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 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this. 

The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 

The last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact. 

I have attached the letter for verifcation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a XXXX-year-old retired XXXX XXXX that has been fighting a serious XXXX XXXX diagnosis and serious XXXX medical issues like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I just can XXXX XXXX, these medical conditions left me financially ruined. My income is less than {$2000.00} including my {$1100.00} pension, {$140.00} social security and {$450.00} in TSA that will ends at the end of 2019. 

I have been attempting to communicate with all my creditors including CHASE to advise them of my situation, even I called Chase mortgage assistance and ask for any financial hardship programs that they may be able to offer me to help me keep a roof over my head. After losing my husband, I have no immediate family and live alone. I have tried to reach out to CHASE for assistance, but they were not able to offer any type of assistance, and I just received a notice advising me of their intention to foreclose and leave me homeless. This is astonishing to me ; I am fighting for my life and now Chase is trying to take my home from underneath me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
RDC ( Remote Deposit Capture ) - banking institution Umpqua Bank received digital information from deposit documets captured by affiliate institutions/other banks : XXXX XXXX, Mobile RDC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. These institution are regulated by FDIC, Federal Financial Institutions Council - and Federal branches. 
The bank position : " go to file a claim with your insurance company ''

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 2019-04-10 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:
there are two accounts fraudulently reporting on my XXXX experian credit bureaus, these accounts are inaccurate and fraud, but these are reporting under my name, these account were removed from my credit file, but for some reason laced back again, on experian and XXXX. i researched and found out that you are able to help me as a consumer in this matter. 
please have this matter corrected, it is screwing my life and everything that i want to do i just had a baby and with in all these is an issue on top of all the life problems. 
thank you

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 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: MN

Complaint narrative:
I found an item in my credit report I dont what is this. I NEVER RECEIVED ANY NOTIFICATION FROM THE COLLECTIONS AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: TX

Complaint narrative:
I cancelled my XXXX XXXX service. I returned all equipment as requested by XXXX XXXX. I never received a final bill from XXXX XXXX. I moved about a year after cancelling the account. XXXX XXXX turned the outstanding final bill that I was never notified of. It was given to Allied Interstate LLC who never contacted me in reference to the bill. I found out about the bill after Allied Interstate put it on my redit report causing my score to decrease greatly. I am filing this complaint due to neither company contacting me about my unpaid final payment that I thought had been paid due to no contact or final bill from XXXX XXXX nor any contact from Allied Interstate

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 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I was still a minor in high school, and was taken in to doctors by parents and this charge should had been ran through my parents insurance and if there was still a charge then on their credit report, and not mine. I got out of college and my credit report is showing that, XX/XX/2016, I owed a balance of XXXX $ and it was sent to collections and affecting my credit score now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
When I went in to this dentist office they told me it wouldnt be any out of pocket expense. If they would have told me I wouldnt have gotten anything done. I only originally went to get a tooth pull they offer all the extra stuff that they are trying to make me pay for. Can I get documentation where i agreed to pay them or please remove from credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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