vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: NE

Complaint narrative:
I have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported information.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-08-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial is responsible for the following : 1. ) Westlake Financial failed to disclose that the note is treated the same as cash and is a valuable instrument. 

2. ) Westlake FinancialDid not confirm that I was accessing my own credit, that actually derives from me. Westlake Financial is just keeping a record of it. 

3. ) Westlake Financialdid not state that they would keep the note when I re-pay the loan. 

4. ) Westlake Financialdid not state that they were going to sale the note 5. ) Westlake Financialdid not state that once they sold the note, that they were going to apply the funds to the loan and that they were going to keep the funds themselves, thereby enjoying unjust enrichment. 

6. ) Westlake Financialdid not state that they were going to insure the note, thereby creating a conflict of interest whereupon it is in their interests that I do not pay 7. ) Westlake Financialdid not state by depositing the note that I was providing them with an implied Power of Attorney and doing things on my behalf with my signature 8. ) Westlake Financialdid not disclose that they would benefit from using my property for profit and gain. 

9. ) Photocopies are being used for an alleged obligation or a liability, Westlake Financialdid not disclose the number of photocopies on hand. 

Westlake Financialis a Fraud 1. ) Misrepresentation 2. ) Inducement 3. ) Concealment 4. ) Theft 5. ) Extortion/ Menaces/Duress 6. ) Racketeering 7. ) Money laundering

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I visited XXXX Colorado and I went to a branch and did a withdrawal. Two days later I received a alert that my account overdraft. I checked my account online and found that I had another atm withdrawal at a random place. I immediately called my bank to report the problem. I was denied twice in the same day. They said they couldn't help me. So I'm reaching out to get this resolved.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/XXXX Received a package from Amazon that I did not order. Had a gift message from my husband- He did not order and did not send anything as a gift. Received email from Amazon confirming the order and delivery. 
Look online at Amazon account and saw the order was placed with a credit card I do not have and did not apply for- Visa ending in XXXX expiring on XX/XX/XXXX. 
Contacted Amazon to report the delivery. They put a 24 hour freeze on our account and assigned the case to be investigated. The only thing they were able to tell me is the Visa card was added to my account XXXX the same day the order was placed. 
Contacted Visa at XXXX and could not get any information about the card issuer. Was only given instruction on how to protect your identity- file police report, contact credit reporting agencies, ask for fraud alerts. 

I did not apply for a Visa card and believe it was fraudualantly opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Its hard to explain what is happening because the issue at its core is that the company is not organized, has sent misleading letters and cant process changes or payments on their website among so many other confusing business practices. 

One thing, for example : Every time you log in a window pops, asking you if " this '' is your email. The same box. Every time. Yes. My email hasnt changed. Its absurd. There should be standards that loan companies need to adhere to and I am very worried about the validity of this company. The website is glitchy and very confusing. How can a company this terribly run be handling a loan of this magnitude? 

Another problem I am facing is that for some reason my auto draft has been temporarily suspended and now It is saying that the next date of draft is XX/XX/20? I never suspended my auto draft and it shouldve drafted this month. They suspended my payment and then are saying I owe late fees as well as a " {$10.00} payment fee '' I cant get a solid answer on the website of what I owe. I really really dont trust this 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 2020-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am in the process of getting a HELOC from HSBC and am getting ignored by the bank for the past 3 weeks after they had sent me a letter of conditional approval. The customer service provided is by far abysmal. 
XX/XX/XXXX - I received an email from XXXX ( mortgage processor ) on the conditional approval and a note that she will reach out within 5 business days for next steps. " I will contact you within 5 business days to address any questions you may have and review outstanding documentation. 
XXXX - 5 business days have passed and NO ONE from HSBC reached out. I sent a note to XXXX and CC'ed XXXX ( mortgage consultant ) as a follow up. And to my surprise XXXX is out of the office and XXXX XXXX ( mortgage processor ) would be the back up contact. 
XXXX - XXXX XXXX for help on the next steps. No response. XXXX only provided an email and no phone number. So was only able to email and cant even call. 
XXXX - Reach out to XXXX again for support. No response. Even called him multiple times. No one answers the phone with the answering machine saying to email. 
XX/XX/XXXX - Tried calling XXXX again to no response. Why bother having a phone number when no one answers? 
XX/XX/XXXX - Called customer service and they advised would reach out to the Manager to check on status. 
XX/XX/XXXX - NO RESPONSE FROM manager either and its been 6 days. Seems like a pattern here of just ignoring customers. Reached out again to customer service for update and was told someone was looking into it. 
XX/XX/XXXX - Called customer service again as this is just getting ridiculous. Finally got someone on the phone who seemed to actually care and will follow up with the Manager again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a escrow account for taxes and insurance. The mortgage company is failing to pay insurance. In XXXX they didnt pay my hazard, causing a end in my insurance caused many problems to get reinstated. They did not pay in XXXX, I had to pay out of my own pocket, now they want me to get there insurance at a higher rate ( just like in XXXX ) they will not reimburse me or verify my hazard insurance with XXXX XXXX XXXX XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
I have a loan with XXXX, ACIMA CREDIT XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.

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 2020-08-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I am disputing the amount paid to XXXX  that receivables performance is reporting on as paid on my credit line. Fcra is in violation on their refusal to withdrawal their Improper collection reporting to all agencies

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 2020-08-19 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: Receivables Management Corporation
State: SC

Complaint narrative:
I have a loan with REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ), RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ), and REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ),  RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ), and REC MGT CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation