vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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:
XXXX  and Experian have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-02 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: FL

Complaint narrative:
There are some accounts in my credit that are not mine. I filed an identity theft claim attached.

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 2020-09-02 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:
Trans union and XXXX  are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # 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 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IL

Complaint narrative:
I received an email for a debit that has nothing to do with me to my email. False claim and a scam.

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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
A Mortgage held with Mr. Cooper includes escrow for property taxes and homeowner 's insurance. A check for {$3000.00} was sent on XX/XX/XXXX by Mr. Cooper via their tax service, XXXX, to XXXX XXXX XXXX to pay taxes. I followed up to make sure the payment was received. XXXX XXXX XXXX informed me on XX/XX/XXXX that they did not receive this payment. I called Mr. Cooper XX/XX/XXXX @ XXXXXXXX XXXX   and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ) who informed me that she would check with the escrow dept. and I should call back in24 hours for an update. I called Mr. Coopper back XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ). XXXX informed me that Mr. Cooper has requested a copy of the cleared check from XXXX and I should call back in 3 business days. I called back XX/XX/XXXX @ XXXX XXXX and spoke to XXXX XXXX, who when asked for an employee ID #, told me that she didn't have one. She told me that the request would take 7-10 days. I explained that was unacceptable and asked to speak to someone that could escalate this request. After a lengthy hold and 3 attempts to get me off the line, I was finally greeted by XXXX XXXX in the Escalation Dept. XXXX told me she would escalate this request and would have an answer for me in 2 days at the maximum. She left me her direct # of ( XXXX XXXX XXXX. Two days later I received a message on my voice mail from XXXX in the escalation dept. she stated that XXXX XXXX did receive a payment for the taxes and that the issue was resolved. I then returned her call and told her the payment that was received by XXXX XXXX XXXX was the payment the title company sent, not the check Mr. Cooper sent, and asked her to continue the investigation and we would still need proof of payment. I called back and left messages every day for 3 days with no reply from XXXX. On XX/XX/XXXX I left her a message that if I didn't receive a reply then I would be filing a complaint with the CFPB. I still have yet to hear from XXXX. 

The reason this is so urgent is that the consumer is waiting on these funds to be applied so that we can refund the funds held in escrow to pay the taxes. The amount is {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: GA

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 response was sent on XX/XX/2020 and my 30 day 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 2020-09-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
When Equifax had a security breach in XXXX, I requested a security freeze and was issued a 10-digit PIN to use if I wanted to release the freeze. I recently tried to suspend the freeze & found that the 10-digit PIN had been abandoned. So, I followed the instructions on their web site to temporarily remove the freeze and spent about 45 minutes going around in circles. So I called Equifax and was told to send in a copy of my driver 's license and Social Security card, which I did and included a ( XXXX  ) certified letter with all my relevant information ( Full Name, SSN, DOB, address ). I just received a letter from Equifax telling me " We were unable to locate a credit file in our database with the identification you provided ''. Really? Now they want me to send in " Category 1 ) IDENTIFICATION *Valid Social Security Card '' and " Category 2 ) CURRENT ADDRESS * Driver 's License ''. I'm sending in a really XXXX  letter with the requested information. Why should I have to put up with their incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
XXXX XXXX and Experian are fraudulent on my accounts : XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # 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 2020-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I didnt realize it was going to be this bad. My bank wants to set me up with a new account to avoid this but Im afraid theyll come after me at my job. I cant lose my job due to harassment. Im very scared. I was struggling but I didnt realize how much Id have to pay back. The bank says they keep taking and taking and taking and the fees are crippling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some accounts in my credit that are not mine. I filed an identity theft claim attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
There are some accounts in my credit that are not mine. I filed an identity theft claim attached.

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 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My current loan servicing company Freedom Mortgage Corporation approach me about a streamline refinance to lower my interest rate. At the very beginning and during the entire process my main concern was regarding my current escrow balance of {$1700.00}. I asked on numerous occasion and even at closing was this balance going to be transferred to my new loan. I was assured that was going to happen. Once my new loan was booked, that did not take place my new escrow account only has {$560.00}. The entire streamline process was not a win for me as a consumer for the following reasons : 1. Principle balance increase 2. Additional 1 month to mortgage 3. Payment will remain the same or higher like original payment once new property tax bill generate.

My may concern with my escrow balance was due to the fact I just build my home and living in a new sub division where my property tax was has not been accessed correctly. I wanted to have the surplus money in my escrow that when my property tax bill arrive i will not have an escrow shortage. Now once Freedom Mortgage receive the correct property tax bill from county my tax will be paid. At which point Freedom will either increase my overall mortgage payment or i will need to send in a lump sum payment for shortage. This is ever deceptive way of conduction business. I have requested for the company to go back and listen to all my calls since they are all recorded.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
In XX/XX/2020 I ask social security office to put XX/XX/2020 deposit onto my current card. When XXXX got here I didn't receive it. I was told by social security XXXX and XXXX if thecompany that received it dont send it back to them then I won't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX a Balance Transfer was Initiated from XXXX ( XXXX ) to American Express ( Everyday Account ). However the Transfer to Amex was applied to an incorrect Account Number ( 8th Digit was incorrect ). I had spoken to both Companies with no luck. 
- XXXX : Claims amex had processed the Check and provided a Copy of that Check which I had Uploaded to there Document Center ( XXXX ). 

Amex was Contacted Several Times Date Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX Amex Sent Notification I received via Email which was seen XXXX. 
A. Please be advised that your payment of {$4000.00} through check number was inadvertently applied to another card member 's account. 
B. we transferred the above-mentioned payment of {$4000.00} from the other card member 's account to your account. 
C. that the above-mentioned payment of {$4000.00} was returned on XX/XX/2020. In view of this, the debit of {$4000.00} appears on your XX/XX/2020 statement. 
D. However, if your records indicate otherwise, we request you to please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date. These copies will provide us with important endorsement information that we need in order to continue our research. We suggest you to that you return to your financial institution obtain a copy of front and back of the actual cancelled check ( s ) and forward a set of those copies to us. 


First, neither of these companies are willing to contact the other on the issue and instead are forcing myself to obtain information which I am have not seen or have privilege to such as each banks Accounting Ledger or in Amex Part D - " please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date ''. 

Amex did not send myself a Check and XXXX does not claim a check was received so it is impossible for me to obtain evidence of a Cancelled Check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MA

Complaint narrative:
My TCF saving account was repeatedly charged {$10.00} DORMANT FEE since XX/XX/XXXX, and recently it was charged a $ XXXX  MONTHLY MAINTENANCE FEE due to DORMANT FEE makes account balance below {$100.00}. I tried to contact TCF customer service three-times but always endless waiting time. Each time I waited over 50 minutes but still nobody answer the call. 

I opened my TCF account about 10 years ago and never heard or have DORMANT FEE in the past 9 years until XXXX. When I opened this account in XXXX, I'm pretty sure nobody notified such thing about DORMANT FEE. And since this year, TCF bank just silently charged {$10.00} DORMANT FEE every month without any notice about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: PA

Complaint narrative:
I have identified credit inquiries which should not exist on my credit report, because 1. ) I did not authorize them ; or 2. ) they were executed fraudulently. I have contacted TransUnion on numerous occasions to investigate and then remove. To date, such actions have not happened.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In late XXXX, a vendor ( XXXX XXXX XXXX ) returned a bill pay check to me without having deposited it ( I had accidentally paid them twice ; once with credit card so they returned the check ). I called Capital One on XX/XX/XXXX to ask how to get the funds re-deposited into my checking account. The call got dropped a few times and, in the interim, I sent XXXX messages to the bank ( see attached ) and was told to mail the check to the bank. I did that the same day. Ultimately, a phone representative told me the check would be cancelled and re-deposited. 

When the funds were not re-deposited in a few weeks, I called back a few times during the month of XXXX and was told I need to keep waiting for the re-deposit to be completed. I called several more times and each time I was promised a call back in a few days ; I never once got a call back. 

Finally today ( XX/XX/XXXX ) I was told that on XX/XX/XXXX the check was cleared by XXXX XXXX. I don't see how that's possible given ( 1 ) I was told on XX/XX/XXXX the check would be cancelled ( see attached ) and ( 2 ) I mailed the un-deposited check back to Capital One at the address provided on the same day ( see attached ). I also wasn't told about the check clearing on XX/XX/XXXX on all of the other calls between mid-XXXX  and today. The phone rep wouldn't even listen to my explanation above and basically said I was a liar. I have better things to do than defraud Capital One over {$140.00}. Indeed, I think I will use that time to look for a new bank that trusts and listens to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$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. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

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

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. 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 2020-09-02 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 {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$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. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

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

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. 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