vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 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 {$0.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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 {$0.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: MI

Complaint narrative:
IN XXXX MY IDENTITY WAS USED TO OPEN FRAUDULENT CREDIT ACCOUNTS IN MY NAME, A POLICE REPORT AND A FEDERAL IDENTITY THEFT AFFIDAVIT WAS FILED AND A INVESTIGATION WAS OPENED, AS OF TODAY MY IDENTITY HAS BEEN RECOVERED, AND THE INVESTIGATION INTO THE FRAUD IS NOW CLOSED, I HAVE RECOVERED FROM THIS IDENTITY THEFT, BUT WHEN MY IDENTITY WAS STOLEN THE THIEFS AP ; PLIED FOR NUMEROUS CREDIT, LOANS, AND CAR APPLICATIONS IN MY NAME, AND THOSE INQUIRES ARE STILL REFLECTING ON MY TRANSUNION CREDIT REPORT, I MAILED TRANSUNION A DETAILED LETTER OF THE ACTIONS THAT TOOK PLACE AND INFORMED THEM OF THESE FRAUDULENT ACTIVITIES THAT HAD TOOK PLACE, I ALSO MAILED A COPY OF MY POLICE REPORT ALONG WITH MY FEDERAL IDENTITY THEFT REPORT TO SUPPORT MY CLAIMS, 0N XXXX XXXX, TODAY I RECIEVED A LETTER FROM TRANSUNION STATING THAT THEY COULD NOT HELP ME FOR TWO REASONS THE FIRST REASON WAS THEY SAID THAT THE INQUIRES IN QUESTION ( XXXX XXXX, XXXX XXXX, XXXX, ) WERE NOT REPORTING ON MY CREDIT REPORT, THEN IN THE SAME LETTER SAYS THEY CANT HELP ME BECAUSE THEY DETERMINED THAT MY REQUEST WAS MADE IN ERROR,, A MISREPRESENTATION OF MATERIAL FACT, OR I HAVE OBTAINED POSSESSION OF GOODS, AS A RESULT OF THE TRANSACTION AT ISSUE, THESE ALLIGATIONS ARE FALSE AND WAS DETERMINED BY TRANSUNION WITHOUT DOING ANY DUE DILLIGENCE ON THE INFORMATION THAT WAS PROVIDED TO THEM, IT HAS BEEN MADE VERY CLEAR THAT TRANSUNION HAS NEGLECTED TO DO THIER DUTIES AS A CONSUMER REPORTING AGENCY, AND HAVE BROKEN THE LAWS OF THE FCRA, BY DENYING ME THE RIGHTS TO HAVE THESE FRAUDULENT ITEMS INVESTIGATED AND REMOVED FROM 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 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin collections is not license to collect debt in XXXX tx {$1000.00} this was not my debt the company will not move this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: HI

Complaint narrative:
According to XXXX an attempt to collect a balance of {$260.00} was issued and XXXX and XX/XX/XXXX by Southwest Credit for XXXX. I did not receive a written statement from SouthwestCredit in XX/XX/XXXX. As of XXXX XX/XX/XXXX, I received a written notice for the aforementioned amount. Although, the written notice does not indicate or have the verbiage that states that I can file a dispute. As of early XXXX ( date unknown ) I have since moved carrier and have not held an account with XXXX. Additionally, I am currently disputing a phone number ( XXXX ) XXXX in XXXX that is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in South Carolina. I have never been to South Carolina or attended services in that church.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I applied for a mortgage to refinance my home. The process started on XX/XX/2020 when the loan official at Popular XXXX XXXX XXXX first check my credit after I signed an authorization. After an ardous process which included sending all required documentation the loan was denied on XXXX XX/XX/2020, based on information that I provided the Bank on XX/XX/2020. The information had to do with a payment moratorium provided by Popular XXXX based on the CARES ACT. However, the mortgage I was seeking to refinance is not in forebearance. The payments are up to date. The moratorium is on another property that is under-contract and about to close. Popular XXXX assured me in writing that following the CARES ACT they were not going to affect my credit nor report the moratorium to any credit agency. Nonetheless, the letter entitled " Disclosure of Specific Reasons Regarding Denial of Credit Application '' received on XXXX XX/XX/2020 states that the reason for the denial is " Mortgage account in forbearance-Not allowed by XXXX ''. This must mean that Popular XXXX reported to a credit agency ( XXXX XXXX ) the moratorium thus affecting my credit. My credit score is over 800 and my income to debt ratio is solid. After months of sending the same documents over and over ; it's not just for Popular XXXX to deny me credit based on an information that was not supposed to affect my credit according to the CARES ACT. Moreover, the only way this information could have ended on a credit agency is if Popular XXXX divulge it, since they are the loan owners and they were the ones that offered the moratorium as well as the extension. Popular XXXX knew I had another loan on moratorium ( not the one I was seeking to refinance ), not only because they offered it, but also because they asked for evidence about it and I sent it 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 2020-11-01 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: KS

Complaint narrative:
In XX/XX/XXXX, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.

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 2020-11-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-11-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-11-01 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: NJ

Complaint narrative:
I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.

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 2020-11-01 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: NJ

Complaint narrative:
I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.

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 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX sent me to this collection agency. I have sent numerous letters and bankruptcy documents to this company that this account was included in my Chapter XXXX Bankruptcy. If this matter is not resolved within 30 days I will notify the bankruptcy court of Wyoming that I.C Systems is illegally trying to collect a debt that was included in the Chapter XXXX bankruptcy I will also file a law suite in the small claims court of XXXX County against both company 's. If this is not resolved by XX/XX/2020 a court case will be filed

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from Citi. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

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 2020-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
on XXXX sent letter to company stating the balance of {$630.00} its not my account its was open without my consent or knowledge the account was established by identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$2800.00} XXXX XXXX transfer XX/XX/20 Cancel XX/XX/20 called bank XX/XX/20 XX/XX/20 Call bank 20 times Reason mom gave me the cash for the XXXX I didn't know she was coming to do that ... please help Try to Pick up can't because it was a refund and ID was stolen and I have it now ... please give it back I have no grocery and I'm homeless ... I just lost my house to day I cancelled the money transfer because no ID ..at the time I been emailing corporate and call for 3 weeks. I will submit pictures of the email also 5 different times I been waiting to talk to someone I just get hang up on im very confused the bank is treating me like XXXX. Also some girl was laughing when I said I will be home less Bank of America

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau. 

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

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 2020-11-01 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: CA

Complaint narrative:
OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )

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 2020-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I never paid this credit card late. There are dates that the credit said Ive paid late which is inaccurate. This is an error and I want this fixed.

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 2020-11-01 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MN

Complaint narrative:
I paid {$220.00} to XXXX XXXX/AmeriNat for a subordination agreement for a forgivable loan ( as long as I stay in my home ) which they have refused to grant.. I need to refinance my first mortgage with cash out to consolidate {$25000.00} in credit card debt.. 
So I need to payoff my first mortgage of {$8800.00} with a refinance and {$25000.00} to consolidate but my problem is thaXXXX XXXX XXXX/AmeriNat will only allow me to refinance the {$8800.00} which does not allow any cash out for me to consolidate my debt of which I wasn't aware of at the time in XXXX 
My Income  from Social Security XXXX is only {$15000.00} per year, my home has over {$80000.00} in equity as of an XXXX appraisal, a credit score in the 700 's with 0 late payments ever and 0 derogatory remarks .. XXXX XXXX was going to loan me the cash to consolidate it all into a single payment but after waiting 4 months for a XXXX XXXX  closing date, XXXX XXXX/AmeriNat destroyed any chance for me to survive.. Banks choose not to be in 3rd position and I don't have {$8800.00} to pay off the First Mortgage with XXXX XXXX.. My days are numbered when It shouldn't have to be.. 
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