vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -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 2020-12-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Old Account under my name, I paid the amount of {$250.00} on XX/XX/2020 and I just need to remove that from collection from I C SYSTEM

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 2020-12-28 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: TX

Complaint narrative:
Hello I paid for a service on my vehicle at the XXXX XXXX XXXX, TX. I reached out to them because it's showing as a hard inquiry from XXXX XXXX, but it says XXXX. The check was for an amount of {$490.00}. I have tried to reach out to Check Plus using the information on XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX, but the line always says " All circuits are busy '' no matter the time of day. This is the same phone number the XXXX XXXX of XXXX gave me, and truthfully they were not much help. I googled that address and it seems like its not a legitimate business address. https : XXXX, +XXXX, XXXX, XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX Therefore, I have no one to speak with to dispute this hard inquiry. No one ever asked me if its ok to run my credit for a check for payment! I looked them up at the Better Business Bureau and it seems like I am not the only one who has had this problem. You can find that complaint here : https : XXXX I tried to submit a dispute with Transunion for the hard inquiry, but they said that it has to be reported to Consumer Finance, please help.

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 2020-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I recently had referred my friends to apply chase freedom unlimited card using the link I sent, and the person was approved 7 weeks ago. But I have not received the referral bonus confirmation email or any other information regarding this issue. I have contacted the chase before without solution. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Fraudulent charges on my Capital One Visa card, reported by phone to Capital One on XX/XX/2020 and followed up with them via US Mail as required ( copy attached ) on XX/XX/2020 : Fraudulent charges of {$100.00} & {$200.00}. Capital One issued new card and said they would handle the fraudulent charges. They did not. I contacted them in writing again on XX/XX/2020 and again on XX/XX/2020. They have not removed the charges and have not contacted me about me demands. They are completely ignoring me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I checked my credit report to find a late payment for my auto loan with Credit Acceptance. I called an spoke with one of there employee and informed them I have never been late on a payment. She stated you have been late and will not removed the negative mark off my credit. I also file a complaint with the credit bureau.

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XX/XX/XXXX - school taxes due from escrow account for discounted rate XX/XX/XXXX - school taxes due for the face value XX/XX/XXXX - statement received in mail from tax collector that school taxes were not paid and there would be {$280.00} late fee for not being paid by XX/XX/XXXX and must be paid by XX/XX/XXXX XX/XX/XXXX - contacted mortgage company, New Rez, - apologized for not paying school taxes and would talk to a supervisor to expedite the process to have them paid by their due date XX/XX/XXXX- filed a complaint with NewRez, have only received a letter in the mail saying that they have received a complaint and are working to " gather the requested information and will forward it to you as soon as possible. '' XX/XX/XXXX - contacted tax collector - school taxes still have not been paid XX/XX/XXXX - contacted mortgage company and they said that the taxes were mailed on XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One XX/XX/2020 stated in letter on XX/XX/2020 they ran credit with XXXX in which i did not request no credit increase nor call or sign any thing with Capital One Bank requesting a credit increase in which appears on my inquiry page of credit ran with out my permission. Capital one has done a very deceptive thing regarding me and saying i ask for credit increase. 
I'm also filing a complaint with the US Attorney office regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I was in the process of purchasing a home using FHA financing. The deal fell through due to me not being financially qualified. The appraisal that I paid for can be transferred and purchased from me by a new lender according to FHA guidelines. The lender that I used has sold the appraisal to a new buyer and refuses to refund me for the appraisal. They said because the deal did not close I am not entitled to a FHA refund appraisal. I know that this is not true since the FHA does transfer appraisal to new buyer and old buyer gets a refund from the lender. The people at PRMG mortgage refuse to send me a refund for the appraisal that they transferred to the new buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchase a ticket for my daughter to be with her sister on XXXX day. The bank Chase sent a fraud notice to my cell phone. I responded it was my purchase. They responded it was taken care of and no further actions needed. When I arrived at the airport with my daughter at XXXX on XXXX day, the teller told us Chase did not pay for her ticket. I had to speak to several supervisors at XXXX XXXX before anyone could help her. They did get her on a XXXX flight by opening up a seat. But this mistake by chase not paying for her ticket cost me {$210.00}. I call them and spoke to several supervisors in several departments to no avail. This is what I need to do to get any response from Chase. I spent over 2hours on the phone and 4 hours in the airport due to their lack of communication with me. No call no email no text.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized ATM withdrawals totaling a loss of {$20000.00}. These charges were not authorized and money was stolen. Created a case with Wells Fargo bank and with XXXX XXXX Police Department. 
I received a call from Wells Fargo bank stating they will not cover the losses of the money because it was done with a pin number. 
XXXX XXXX Police XXXX requested videos of the transactions with subpoena and was refused any videos and photographs of the ATM transactions. I was contacted by Wells Fargo Bank and they stated they reviewed the video of the transaction and it clearly showed it was not me making the withdrawals. Wells Fargo has admitted that it was not me who withdrew the money but they refuse to help law enforcement. Wells Fargo is unwilling to help with an ongoing police investigation by not providing videos. Wells Fargo is not providing insurance to cover the loss of stolen funds.

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 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Company stated that they are a 3rd party collection and that I needed to contact primary source but they wasn't able to give me the information on who I needed to contact. 
This seems very fraudulent to me. I asked how can they report on my credit and they don't even know if the account is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
Loan pal lost my payment! I have tried to resolve this problrm since XXXX. 
This is a new loan they were paid via my banks bill pay and cashed by loanpal. Loanpal miss applied my first 3 payments. The first 2 were finally found and applied to my account. The 3rd bill pay check has not been found but has been cashed by them. I have spoke with their collections department numerous times. Faxed in coppies of the canceled check that they cashed. My bank has faxed in coppies of the canceled check and I also emailed them to my loan officer XXXX XXXX. To this day The funds have not been returned to my bank I started paying via their online service in XXXX and have not had any problem since then. It is XXXX and I still receive weekly calls that they have not received payment and I am collecting late fees from this fiasco!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

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 2020-12-28 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: NJ

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT FILE

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 2020-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I bought 4 tickets from XXXX XXXX on XX/XX/2020 for 2 people. Two for {$100.00} and 2 for {$120.00}. I had to cancel because of Covid19. This was done well before the departure date of XXXX XXXX.The airline would not refund but said I could use the tickets at a later date. I eventually disputed this through my credit card co. Bank of America on XXXX XXXX. I was refunded {$100.00}. I recently called them twice and was told they are still working on it and needed more time. This was 6 mo.s after the initial notification. I believe they have a limit on the time allotted to settle a dispute and I also believe that cancellation of tickets because of the pandemic is allowed. the case numbers at Bank of Am. areXXXX, XXXX XXXX XXXX. 
The ticket no.s at XXXX, XXXX, XXXX, XXXX the record locator : XXXX I believe that XXXX needs to refund my credit card ( ending in XXXX ) for the remaining 3 tickets and BOA needs to enforce that. 
XXXX XXXX ( mobile XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : XXXX  is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, XXXX Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require XXXX to provide the following information to any consumer : How did XXXX verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
XXXX failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA ). I am requesting that the information being reported in my XXXX Credit report be Corrected. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: U.S. BANCORP
State: MO

Complaint narrative:
Beginig of XX/XX/XXXX I contacted my bank, US BANK about a fraudulent electronic withdrawal for {$470.00} presented as a reprinted check with no signature from me nor drawn from my account as I don't use checks. The instrument was obviously suspect and improper. However the bank honored it and transferred the funds to the unknown party. I immediately notified the fraud department and was told to lock the account but keep open for the return of the funds by credit within ten days as well as my several direct deposits. I opened a new account as advised and initiatived direct deposit changes which the Social Securityb Admin advised would not be effective instill XX/XX/XXXX. 
I called three times to check the status of the credit with the bank and was told twice that it was in process, the third time I was told that no credit would be given because this was a " check '' fraud. And th a after 45 days the investigation would then refund the money. We have gone far beyond 45 days with no resolution. However on XXXX XX/XX/XXXX I received a letter from the bank advising me that if I did not close the account in 30 days then I would forfeit the refund of my stolen money. 39 days is not sufficient time to transfer my deposits. The bank told me to keep it open. I have complied with their rules and requirements yet they have collided to steal my money and refuse to honor their obligation to defend depositors accounts. 
This is an outrage XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation