vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through experian, and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with experian. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with experian. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$2700.00} XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$2400.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX # XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XX/XX/XXXX, I used my Chase credit card to make two purchases for stock and option trading services from XXXXXXXX XXXX XXXX in the amount of {$5900.00} ( two transactions of {$2900.00} ). Due to the company not providing the service ( s ) that I purchased, I disputed these transactions with Chase Card Services and faxed a formal signed letter to Chase Card Services per its request. An interim credit was issued while Chase allegedly conducted its investigation. However, some time later Chase informed me that it was siding with the merchant ( without explanation ) and re-billed me for those charges in XX/XX/XXXX. I filed a subsequent complaint with Chase because I still wasn't receiving the services that I had paid for but Chase indicated that there was nothing it could or would do. 

I continued to press the merchant, XXXX XXXX XXXX, for quite some time and eventually started receiving the services that I was expecting. In early XX/XX/XXXX, the service ( s ) stopped and calls and emails to it's Customer Support went unanswered. 

I subsequently learned that the Federal Trade Commission ( FTC ) was suing XXXX XXXX and XXXX for XXXXonsumer fraud and had filed its lawsuit on XX/XX/XXXX. I filed complaints with the FTC and XXXX XXXX XXXX. The FTC indicated on its website that I should contact my credit card company which I did. I called Chase Card  Services on XX/XX/XXXX and was told to submit my dispute in writing which I did. However, in spite of all the new information, Chase Card  Services representative, XXXX, a supervisor, has told me that there is nothing that it can or will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Several Weeks Ago I did an annual credit report pull and I noticed some fraudulent behavior, I was charged {$840.00} from I.C. Systems w Inc XXXX XXXX XXXX On my XXXX  Account. For an account Ive never personally seen before which brings me Slight Concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
A few days ago we went to Honda and tried to loan a lease that I already had, but since the beginning I told them not to do any inquiries on my credit, they said its was ok that they didnt have to because I was a client of Honda for many years and that I wasnt going to get any problems suddenly I see all this inquiries from their side I think they are about nine so I called them back to get out of the deal and they recognized That they shouldnt have done that The sales person told me that it was the broker and the broker said he didnt do it and that he is not responsible for it he recognized its wrong and he apologized so please help me. I been working really hard to get my credit up and this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/2020 I received letter from Transfinancial Companies , Inc. trying to collect {$120.00} they claimed I owed to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX, so I called and talked to the bookkeeper at XXXX XXXX XXXX. She said I did not owe this bill. I then called the billing company of XXXX XXXX XXXX. The agent said I did not owe this bill. 

I then called Transfinancial at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX on1XX/XX/XXXX. After 10 minutes on hold a message said to leave a message as all agents were busy and could not answer, so I left a message No one returned my call.. The next day, XX/XX/XXXX, I called again with the exact same results. Again, the next day, XX/XX/XXXX, I called again with the same exact results. 

I do not believe I owe this bill. I wrote and asked Transfinancial to send me the Date-of-Service, verification of the debt or a copy of such judgment or verification, and the name and address of the original creditor. 

My calls to Transfinancial were attempts to get some information ... especially the Date-of Service. However it they will not answer the phone or return phone calls, they are likely to deny they ever received my letter requesting the information listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 {$5100.00}, {$2200.00}, {$9600.00}, {$4100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Servicer did not pay property taxes for mortgage with escrow. Received a notice for {$5100.00} due including XXXX in penalties. 

Since I already funded the escrow, I do not also have an additional XXXX dollars to pay this a second time. 

It was not my mistake, they should pay the fee too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have reached out to credit company during the to let them know I was out my a job and if they could assist me. No one was able assist and I was charge with late payments and its also reported to credit bureau. In month of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC
State: GA

Complaint narrative:
XXXX - XXXX {$920.00} XXXX Apartments XXXX XXXX XXXX. XXXX Ga XXXX action was taken 5 years ago because of a break in and entry by some so called maintenance department, sheriff 's department was called. 

XXXX - XXXX XXXX XXXX team XXXX still charging me for rent after lease expired in XXXX to this very day. offices located in florida and here in XXXX georgia. 
sent to collection agency Mutual Management without asking for dispute information or contacting me about collection agency at that time. with out my permission. 

The XXXX apartments XXXX XXXX XXXX. XX/XX/XXXX Ga XXXX ( XXXX ) XXXX charged me {$150.00} to collection agency XXXXXX/XX/XXXXXXXX in XXXX Florida for a rental unit I never rented or left a deposit or filled out an application to move in?., FRAUD!!! 
year XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Georgia has over charged me for a room for carpet cleaning and repairs that were never there the room was not carpeted or damaged sent to another collection agency for rental history and i can prove my room did not need cleaning carpet and repairs at that time in XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
I closed /recorded on XX/XX/XXXX with Fairway Independent Mortgage Company . Once my documents were reviewed by XXXX XXXX XXXX XX/XX/XXXX the staff there reached out to the Builders of my home realtor and stated the fees were quite high compared to other loans. I submitted via email inquiring why these fees existed or were so high. The loan officer XXXX XXXX emailed me back stating she would prefer to verbally have this convo with me, which I am not comfortable having that conversation verbally. When I spoke to the loan officer earlier during the closing process and we spoke about income drop due to COVID, no additional fees were discussed or stated would be higher, and these fees appear to excessively high. I did not speak to her verbally, and no answer as to why fees were so high. 
In addition to this I paid off my debt obligations and checks were issued to those creditors which are useless and I requested to be refunded or re issue to myself, there were several emails between Fairway Mortgage and myself.The last email XX/XX/XXXX stating they are working on it ( underwriter ) and praying this can be worked out by the end of the week. 
The high fees are unsettling and I would at least like to be refunded the money I paid the creditor which the agency seems to be dragging the process out without no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
*I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number I have on file with them* Hello, I registered an account with Coinbase in XXXX of 2020. 

Email XXXX phone number ( XXXX ) XXXX XXXX enabled from XX/XX/XXXXdevice where phone number was assigned to Mid XXXX I deposited {$500.00} into a Bitcoin atm in XX/XX/XXXXMichigan to my Coinbase Bitcoin wallet address. 

In XXXX my girlfriend and I split up and she stole my device and hacked everything that I used to register with my account. 

I have no access to anything I created my Coinbase account with, nor the device itself. 



I made contact with support team in XXXX through a different email I no longer have access to. 

Coinbase wanted me to send a selfie video from the device 's IP address.I explained in XXXX the problem from a different email was that my device is stolen so I don't have the same devices IP address, only the phone number. I made the complaint about that and never herd anything back. 

I have made one last attempt to email them from ( XXXX ) in an attempt to gain access to my trust account. 

Please, please help resolve this issue for me. Please I really need my money right now more than anyone. 

Thank you, XXXX XXXX XXXX *I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number that I have on file with them*

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, this is the response for the previous complain ( Complain ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XXXX and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi Benefit. 

For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 

happy new year XXXX XXXX PS. I can be reached by email ( XXXX ) or mobile ( 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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
1. On XX/XX/XXXX I applied for credit with Brand Source furniture co. and was approved, charged a table and chairs, and paid it off in a year. 
2, On XX/XX/XXXX someone charged some bedroom furniture to my account ( the amount is {$1100.00} ) I have no idea how they got the account no. ( first account ). I called customer service and they said it was fraud, I said yes close this account, but they didn't they sent me a another card ( second account ). The Brand Source security operations investigated and they said I am responsible and should pay the above amount. 
I called and a person named XXXX told me the address the furniture was delivered to and it's not my address. So I called Brand Source Security and told them this, so they asked me to send them a copy of my driver 's license and I did. But they never called or write to let me know they received it. 
3.They hired a collection agency XXXX XXXX  to try to make me pay for something I did not purchase. And oh, the letter XXXX  sent me has a different account no,, that's 3 account nos. and they never sent me this new card, I don't have it. So, this is very frustrating

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