vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
There are 11 accounts on my credit report that are showing up and these are definetly not my accounts I have tried resolving this wqith the bureaus as well as the furnishers in my credit report and they are not being much help. This is a result of identity theft and I need this taken care of ASAP it is affecting my personal life and it is stressing me out!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : SXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-06-01 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: MD

Complaint narrative:
My Chase Visa Card number was taken by an ex employee who was fired 15 months ago. She charged {$250.00} of stuff for her and three weeks later donor charged {$3900.00}. They used my Visa Chase card on their Amazon accounts. The only reason I know it was an ex employee is because Amazon thought she was my wife when I called to ask about the charges. She charged {$250.00} and I believe my ex employee gave the card to someone else. I cant prove that because Amazon wont tell who used my card. Visa/Chase was told but the phone by Amazon that two other accounts used my credit cards. Amazon wont supply the names to them for fraud research. Chase requested a report from Amazon that showed my normal purchases from Amazon. Amazon send me an email with a link to pull those reports. Its an XXXX document but the document doesnt have my name on it and Chase wont except it. I cant even give the police the name of the person or the address who stole from me. Chase is making me pay {$5000.00} for products that I didnt purchase. Im asking for your help. My family cant afford this with Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The account was with Care Credit. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had Care Credit ( Synchrony Bank ) since the early XXXX. My son was under XXXX years old when I had Care Credit. He is now XXXX years old. How much longer will I have to deal with this?

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 2021-06-01 00:00:00
Product: Mortgage — VA mortgage
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: AMERIS BANCORP
State: GA

Complaint narrative:
My Mortgage account with Ameris Bank has been reported negatively on our credit report for the last three months ( XXXX, XXXX, XXXX ) last report to Credit Bureau on XX/XX/XXXX showing missed payment. After speaking with the loss mitigation department with Ameris Bank I was directed to send this email, requesting for a correction on my Account and our Credit Report. This payment arrangement was due to a Unexpected Natural Disaster, and should not have been reported negatively on our Account or our Credit Report. We are in the process of purchasing a vehicle due to a total loss accident, and the missed payments showing on my credit report is impacting my Credit Score tremendously. This was a payment arrangement, which I have for filled my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX d/b/a XXXX Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but XXXX d/b/a XXXX Mortgage took cash. Since then, XXXX d/b/a XXXX Mortgage has sold the note to Roundpoint Mortgage Servicing Corporation and is now liable both criminally and civilly.

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 2021-06-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I'd like to request an appeal for claim # XXXX. 

The XXXX transfers in my Wells Fargo account are for my small business dividend payments. 

I own a lot of bank accounts and credit cards with other banks, so it's very hard for me to keep track of financial account activities. 

I would like to add some supporting documents for my claim so hopefully I will get my money back. The money I have lost is a lot for me and I can't afford to lose them. So I will do whatever it takes to get it back. Anyways, please see the attached files. 

As you can see, I have been targeted by some hackers/scammers online and they have been sending me unwanted suspicious messages and friend requests on XXXX since XXXX. I did click some links in the beginning thinking I won some giveaway event. However, it turned out to be a scam. It looks to me that somebody remotely got access to my phone or something when I clicked those links. I honestly don't know how he/she managed to do all that. Anyways, I learnt my lesson from it and today I got a new phone. It cost me a lot of money for that too. 

I've been under a lot of pressure because of XXXX and XXXX. So I'm having a lot of things going on in my life. It's very stressful and I even thought of suicide and I recently realized my money being stolen and now it's even more depressing. 

If you could help me get this money back, you are making a big difference in my life. Please help me. I beg of you. It's a lot of 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 2021-06-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report. I contacted Equifax last month about these fraudulent inquiries on my credit report and submitted the identity theft report and they did nothing. Its been XXXX  days already. They are violating my consumer rights at this point. I also completed a complaint last month. I don't want an investigation these fraud inquiries need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Klarna AB
State: MD

Complaint narrative:
Please see correspondence to Klarna below : I made a purchase at XXXX XXXX/XXXX  online for {$370.00} using a Klarna one-time card. Of this I paid {$65.00} up front. 

I returned this item ( green circled item on receipt ), along with 2 other items purchased at XXXX XXXX ( see the receipt attached ). XXXX XXXX returned the ENTIRE return to the one-time use Klarna card ending in XXXX ( see the red circled area on the receipt. ) even though the other 2 returned items were originally paid with my private debit card. 

Please advise what you all have done with the excess {$120.00} that was refunded to your one-time use card. XXXX XXXX is unable to produce any further transactions because the money has now been released to that Klarna card. 

Please note I have contacted Klarna twice previously ( via chat and phone ) and was advised to email this picture as proof that Klarna was the recipient of these excess funds. 

Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am on a COVID forbearance program with my Mortgage company ( XXXX XXXX ) since XXXX  2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( XXXX XXXX ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XXXX  2020. TransUnion is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program TransUnion should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
portfollio is still reporting on my credit spoke to portfollio today who sold it to another company and its hurting my credit bad and there still reporting it on my credit history even though the debt it not with them anymore, their violating my FCRA rights. 

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint in regards to a matter of interest fees that I am being charged after paying in full the balance of my " Capitol One credit cards ''. 

On XX/XX/2021 I made a payment of " {$3000.00}, and {$1300.00} to my Capitol One credit card accounts. These payments rendered my accounts " Paid in Full '', with no pending fees. I also contacted Capitol One on XX/XX/2021 and requested that my accounts be " Closed ''. 

After paying the accounts off ; I received an email from Capitol One informing me that I owed {$16.00} on one account, and {$36.00} on the other. I contacted the company and I was told by the Representative that the fees were interest that were applied from the XX/XX/XXXX billing cycle. I explained to the Representative that I had paid my accounts in full on XX/XX/XXXX, and that I had requested my accounts to be closed. The only response was a repeat of when the fees had occurred. 

I have since received another email informing me of these same charges, which have doubled, and have been applied to the account that I paid in full, and closed on XX/XX/2021. 

I implore your organization to assist me with rectifying these unethical, unjust actions. 

Sincerely ; XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
Rent Recovery Solutions is reporting an erroneous debt on my credit file. They are double reporting a debt on my credit file. They are reporting two collections for XXXX XXXX. For starters i never received a letter call or notice about this debt which is a violation of my 30 day right to dispute. Second double reporting a debt is against the FCRA guidelines. They need to remove this debt from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NC

Complaint narrative:
On XXXX I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The account was with XXXX XXXX. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had XXXX XXXX ( XXXX Bank ) since the early XXXX. My son was under XXXX years old when I had XXXX XXXX. He is now XXXX years old. How much longer will I have to deal with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TX

Complaint narrative:
Citi Bank - Shop Your Way Credit Card. 
I have the following card that I don't use frequently 3 months ago my wife used the card for a single transaction that was {$21.00}. unfortunately I was not aware of this and i missed paying the amount for 2 months. Citi bank charged me two late fees the first for {$21.00} and the second for {$39.00} plus interest. I called them to resolve the situation by offering to pay the original charged amount plus interest due. Unfortunately they did not accept my offer and insist that I owe them the full amount which is now {$86.00}. 

again the original charge was {$21.00} first late fee was {$21.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$23.00} second late fee was {$39.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$41.00} i am trying to resolve this but they insist on charging late fees and interest that exceeds that original amount.

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