vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$3400.00}, {$1000.00}, {$0.00}, {$54.00}. 
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.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

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


-- COLLECTION ACCOUNT 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My debit cards had been hacked multiple times and used on online apps such as XXXX XXXX and XXXX XXXX. The XXXX XXXX   transactions have since been refunded, more recently is when the XXXX XXXX charges were made to my account and I notified the bank on each occasion and received a new debit card, also disputed the charges. Ive never used or even opened a XXXX XXXX or authorized any transactions at any point on that app. I went through the dispute process as previously mentioned and the bank notified me that my disputes have been declined. I asked them why and they responded by saying the reason was because Ive had too many disputes and have had 8 new cards this year. I then asked if they could identify where the stolen funds ended up at, such as what bank account or destination that my funds were transacted to. They could not give me an answer. I feel like they did not do their due diligence investigating these charges and investigated me more than the charges themselves. Please let me know if there is any way to help as this has been an on going issue and the amount that is bring denied a refund is upwards of {$3500.00}.

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 2020-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the process of refinancing my secondary mortgage, I needed to close out a Bank of America ( BofA ) Home Equity Loan of Credit ( HELOC ). On XX/XX/2020, I called BofAs HELOC department to discuss the charges associated with this step. The agent on the line, who presented himself as XXXX, said the closing cost of {$940.00} ( {$960.00} total fee less {$18.00} in county fees ) would be waived. He referenced my preferred customer status and good standing with BofA for many years as the reason behind the refund. He noted that after escrow closes, a refund will be sent my way. He also gave me confirmation numbers for the call ( XXXX ) and the refund ( XXXX ). 
On XX/XX/2020 the refinancing closed. On XX/XX/2020, I went to my local BofA branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to check on the refund status. I spoke with Assistant Manager XXXX XXXX who told me he did not see anything in BofAs system regarding a refund. He proceeded on opening a claim ( ID XXXX ) in regard to this matter with BofAs mortgage department. I followed up with him several times and did not hear a response. When I caught him on the phone last week, he informed me that he is taking a leave of absence and I should take my matter up with the BofA district manager. 
BofA is not honoring their verbal commitment in this matter to refund the HELOC net closing cost of {$940.00}. I have included the reference numbers for the original conversation, refund claim and follow up claim. BofA representatives portrayed one policy and are not abiding this policy. BofA is also claiming no record of the initial conversation I had with them.

I am writing this letter to you to inform you of these misleading policies as I am likely only one of many who has been guided toward a refund in order to pay a closing charge. 
I thank you for your consideration of this matter. I appreciate any assistance you may offer me in achieving my original refund claim. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX IL filed petition through Mandarich Law Group in Missouri Court ( XXXX ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to XXXX XXXX XXXX. so now XXXX is suing me for the money i didn't owed. 
XXXX now porting to XXXX a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I bought the car when I lived in the state of virginia it was financed by citizenone loan number XXXX and the title is found on the website XXXX the dmv of the state of florida has requested and this server the transfer of the title to the state of florida and my title support does nothing, I have confirmation number XXXX, and the last 4 are, XXXX and nothing to do the transfer, I am No tag, I can't use that car and I have to pay for it. 

my title support says to contact me by email and they don't have it on their website. 

The bank does nothing as long as you visit the mytitlesupport website. 


That is my complaint. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was offered a special bonus. I was offered {$450.00} bonus if I deposited XXXX or more before XX/XX/2020 in my account ending in XXXX. The bonus was too be credited if I maintained the balance till XX/XX/2020. I fulfilled the requirements and the bank is not giving me my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Account XXXX is showing as closed. Account is not closed. Account is active. Previously addressed with Transunion on XX/XX/XXXX and XX/XX/XXXX. Previous CFPB Complaint XXXX dated XX/XX/XXXX did not resolve issue. Information is still incorrect. I have attached copy of XXXX statement dated XX/XX/XXXX. showing account is open. I have included copy of credit report dated XX/XX/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 non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have been cashing my checks like normal and for some reason, no place can cash one of my checks.

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 2020-09-28 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been filing complaints with the credit bureau for 5 years and I have still problems with the credit bureau doing there job. Please give me a call at XXXX or via email 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 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that Capital One was going to be taking over my credit card, and everything went down from there. 
Since Capital One took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, Capital One has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

Capital One states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

Capital One is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

Capital One is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both Capital One, and the collection company XXXX XXXX XXXX listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to Capital One, so my credit is being dinged twice by both Capital One, and XXXX XXXX XXXX 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and Capital One charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a XXXX XXXX XXXX, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been filing complaints with the credit bureau for 5 years and I have still problems with the credit bureau doing there job. Please give me a call at XXXX or via email 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 2020-09-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been filing complaints with the credit bureau for 5 years and I have still problems with the credit bureau doing there job. Please give me a call at XXXX or via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that XXXX XXXX was going to be taking over my credit card, and everything went down from there. 
Since XXXX XXXX took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, XXXX XXXX has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

XXXX XXXX states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

XXXX XXXX is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

XXXX XXXX is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a Bureaus Investment GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both XXXX XXXX, and the collection company Bureaus Investment Group listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to XXXX XXXX, so my credit is being dinged twice by both XXXX XXXX, and Bureaus Investment Group. 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and XXXX XXXX charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a Bureaus Investment Group, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 2. 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