vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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}, {$3000.00}. 
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 XXXX 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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -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 2021-01-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union was sent a letter back on XX/XX/2020 regarding unauthorized accounts being reported on my credit report. It has now been 67 days and there has been no communication to me regarding the removal of these inaccurate accounts. According to 15 USC 1692 D this is harassment and extremely harmful to my reputation, 15 USC 1692 E, false and misleading to continue to report these unauthorized accounts against my credit report, 15 USC 1692 F demonstrating unfair practices towards me, a clear violation of my consumer privacy rights ( 15 USC 1681 A ( 4 ) ). Also, pursuant to 15 USC 1681 A ( 2 ) ( iii ) As a consumer I have the right to deny anything being reported and I did not provide written consent to place these unauthorized accounts in it, this is also a clear violation of 15 USC 1681 B ( 2 ) ( A ) as I am a victim of identity theft ( 15 USC 1681 C 2 ).

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I received a bill on XX/XX/2020 never received anything prior to this the creditor is XXXX I never had XXXX before I've had XXXX  for the last 12 years and they are trying to collect amount of debt of {$350.00} my email address is XXXX I need someone to get back to me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
I have recently Disputed this matter withXX/XX/XXXX, andXX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXXXXXX XXXXXXXX PayPal indicated that my accounts were " permanently suspended '' for " violation of the Acceptable Use Policy. '' PayPal declined to indicate which provision of the Acceptable Use Policy was allegedly breached or what activity led to the closure. Upon review of the acceptable use policy ( reproduced below ), there are no sections that I have violated. As such, this closure is in error, and my accounts should be reopened. My wife 's accounts were similarly limited without explanation. 


Acceptable use policy as of XX/XX/XXXX : Acceptable Use Policy Last Update : XX/XX/XXXX print You are independently responsible for complying with all applicable laws in all of your actions related to your use of PayPal 's services, regardless of the purpose of the use. In addition, you must adhere to the terms of this Acceptable Use Policy. 
Prohibited Activities You may not use the PayPal service for activities that : violate any law, statute, ordinance or regulation. 
relate to transactions involving ( a ) XXXX, XXXX, certain controlled substances or other products that present a risk to consumer safety, ( b ) XXXX XXXX, ( c ) XXXX, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain XXXX oriented materials or services, ( j ) ammunition, XXXX, or certain XXXX parts or accessories, or ( k ) certain weapons or XXXX regulated under applicable law. 
relate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other " get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( h ) involve currency exchanges or check cashing businesses, ( i ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( k ) involve offering or receiving payments for the purpose of bribery or corruption. 
involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Apply for a refinance on the XXXX of XX/XX/2020, the opening document was put together on the same day of the XXXX of XXXX after that day I received a email of the opening refinance documents, as many as two and three email from others agent from pennymac, the first reordered telephone call was from a reference agent, I told her that I wanted to do a reference with XXXX and XXXX, with no mortgage payments until XXXX, I told her if I could not get XXXX and XXXX off with no mortgage payments I did not want to do a refinance, she never told me to hold or save XXXX payment, but she did tell me not to pay XXXX and XXXX mortgage payments until XXXX, so iam two months behind of my mortgage because of this mistake if the agent,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 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: MI

Complaint narrative:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion

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 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
I have recently Disputed this matter with XX/XX/XXXX and XX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I have recently Disputed this matter with XXXX XXXX, and XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In connection with my application to refinance an existing mortgage, Quicken Loans required my wife and I to complete an outdated and superseded version of IRS Form 4506-T, Request for Transcript of Tax Return. The version we were required to E-Sign on Quicken 's website, or download from the website, complete and return, is dated XX/XX/XXXX. That version of the Form includes in line 5a the name and address of a third party to which the tax return is to be mailed, XXXX, an agent of Quicken Loans. 

The current version of Form 4506-T is dated XX/XX/XXXX. It does not include line 5a or any line for entry of the name and address of a third party recipient. By way of explanation, the current Form includes the following note : " Effective XX/XX/XXXX, the IRS will mail tax transcript requests only to your [ i.e., the requesting taxpayer 's ] address of record. '' This change is further explained in the following note on page 2 of the Form : " What's New. As part of its ongoing efforts to protect taxpayer data, the Internal Revenue Service announced that in XX/XX/XXXX, it will stop all third-party mailings of requested transcripts. After this date masked Tax Transcripts will only be mailed to the taxpayer 's address of record. '' I asked Quicken in writing several times why it continues to use a superseded form. I finally received an answer by email on XX/XX/XXXX. The answer states in pertinent part that the outdated version of Form 4506-T " ... is the form we normally send to the IRS to request tax transcripts. We have not received any push back from them. If there are any issues with the form the IRS would certainly not provide the requested information. '' Quicken Loans should not be permitted to use a superseded IRS Form 4506-T in an attempt to circumvent IRS policy, which expressly prohibits the mailing of consumer tax returns to third parties. Moreover, if it does so, the IRS should not violate or ignore its own stated policies by mailing consumer tax returns to Quicken Loans or its agents. 

To be clear, I have no objection supplying Quicken Loans with a copy of my tax returns. Indeed, I have done so. My objection strictly pertains to Quicken Loans ' use of a superseded form to circumvent IRS rules and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
The first notice I recall receiving from XXXX XXXX XXXX dated XX/XX/XXXX. It notified me that Capital One retained them to collect a debt. Capital One did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. XXXX XXXX XXXX had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. Capital One never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to Capital One. They never attempted to locate my new address or call.. I had no idea I was behind on payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I tried to cancel an American Express card through their chat service. They requested me to call their services, in order to cancel the card, while I was outside the country and unable too. This action could have been easily done through the chat. The 30 day renovation was going to end the day after, on XX/XX/XXXX. Today in XX/XX/XXXX I called again and after being transferred to several service members and managers I was able to cancel the card. I asked for a refund on the annual fee and they were unable to help me with that as well. They continued to tell me that the only way to get the refund was during the 30 day renovation that had already passed, and I was unable to meet their deadline due to their chat inconvenience. Even after I informed them that it had been their mistake that I had not done this process during the 30 day renovation, they continued denying me the refund. I ended up wasting more than an hour, talking to the manager and got absolutely nowhere. I demand the annual fee to be refunded, because I attempted to cancel within the 30 days through an official channel provided by American Express and the same channel through which I cancelled it today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX  CMRE Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2020, I settled my credit card with TD Bank. I received a letter confirming my settlement and the amount of settlement was {$3100.00} to be paid in 3 equal payments of {$1000.00} with first payment due by XX/XX/XXXX, 2nd payment due by XX/XX/XXXX and 3rd payment due by XX/XX/XXXX. All three payments were made as agreed by the due date. As per office of admin recovery call I received today, TD decided to go ahead and sell the remaining balance to a collector and charge it off. Attached are the settlement letter and proof of 3 timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MI

Complaint narrative:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/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 explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MO

Complaint narrative:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief