vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 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: Colony Brands, Inc.
State: SC

Complaint narrative:
I called XXXX XXXX after reviewing my credit report realizing that they reported a XXXX charge off under my SS number. I explained I never had an account with them but did recently open an account with their sister company XXXX XXXX. I advised them to remove it and they told me that it USED TO BE in my name. I asked them what USED TO BE IN MY NAME MENT. They said the name on the account was changed but my SS # stood and if I wanted it changed I had to get this person to write a statement excepting responsibility IF NOT the charge off would stand in my name ... I told them the bottem line this acct had nothing to do with me, was never signed by me, never requested by me ... My question is if I really had a charge off with XXXX XXXX, would their Sister Company recently open a brand new account with XXXX XXXX ... Absolutely not ... I beg XXXX XXXX to correct my Credit Report and perminately remove this account from my Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
XX/XX/XXXX applied for cash out refi. Was informed by mortgage loan originator to skip XXXX  mortgage as we were to close the week of XX/XX/XXXX. This fell through and was latter scheduled to close XX/XX/XXXX before XXXX that fell through I had in turn to pay XXXX mortgage pmt in which I incurred a late fee. I was then informed to skip XXXX pmt. following there directions I complied and incurred another late fee. I was informed that after 100 days two late mortgage pmt and a late car note we closed on the XXXX of XXXX with a 3 day right to refuse and the refi was to fund onXXXX XXXX today is the XXXX XXXX they paid off primary mortgage but did not fund my cash out proceeds into my checking account I guess maybe it will eventually fund after XXXX. 
I wish to file a formal complaint against Home Point financial they are the most unprofessional, incompetent, unorganized institution I have ever encountered. 
They went home on XXXX leaving this refi loan in total limbo and still is at this time partially funded. 
I only wish to help all veterans to steer clear of this institution which is a total fiasco!! 
They have proved time after time they are not customer friendly but are highly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was the mortgage holder for the commercial property owned by XXXX XXXX, a company I held the majority share in. We sold the property and BoA had released the lien and escrow had been closed. Then on XX/XX/2020, BoA charged XXXX XXXX termination penalty fee of {$95000.00} without my consent. Additionally, on XX/XX/2020, BoA locked me out of access to both my XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX accounts per a minority shareholders request without any official approval from the companies meeting minutes, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I contacted American Express early in the pandemic because I had lost my job and asked if they had relief programs to assist me with my payments. I was told there were no Covid programs available several times. I later found out that wasnt true, and I called several times to file complaints for the misinformation. No one ever called me back or followed up on my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I had an auto account with Santander from XXXX, which became delinquent. The car was repossessed and sold to satisfy the debt. Since that time, Santander has provided inaccurate information about this account to the credit reporting agencies. In particular, the date of first delinquency and they have listed 25 charge offs for 1 account. This has significantly impacted my credit score. I have disputed with Santander on multiple occasions. In addition, I have disputed with the credit bureaus and Santander has verified this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX XXXX which is closed. I did try to dispute and fix with XXXX, XXXX, and EXPERIAN refuses to add the affected by natural disaster or Pandemic to this reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with XXXX, Transunion, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with Equifax, XXXX, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone created a XXXX account using my credit card information. I told Chase about it because I didn't do this. They issued me a new card and gave a me credit for {$48.00} switch was the amount taken from me on XX/XX/XXXX. Chase urged me to reach out to XXXX and tell them what happened because they were going to look into it. XXXX did return the {$48.00} after they determined someone did indeed stole my credit card information. Now, XX/XX/XXXX Chase did a claim reversal for the XX/XX/2020 {$48.00} they gave me. This sounds wrong to me it's like they're calling me a liar even though XXXX comebacked me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company , LLC, ( ERC ) stated on XX/XX/2020 by mail that authorization was granted to report this fraudulent derogatory vague account to the national credit bureaus. In my opinion ERC and the original creditor are practicing professional malpractice and perhaps power by discrimination, by exploiting and targeting seniors by using public and third-party information to intimidate me to pay a debt that clearly does not belong to me. This convoluted situation is extremely stressful for me as I believe I may be a victim of Identity theft by ERC, and the original creditor that ERC is representing ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I sold items on XXXX platform and buyers has received the items and the normal procedure is to release funds once the carrier confirms receipt of the delivered item by a online tracking system which connects to XXXX, paypal, and the carrier site. Since my prior complaint against paypal my account funds are being held although it is not common practice to do so. I am unable to remedy a solution by contacting paypal or XXXX. The funds are being held and I am being told they are not being held although I have not received any funds and the funds appear in my account with a unnecessary hold placed on these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: CO

Complaint narrative:
XXXX  HAS TOLD ME THAT THEY WERE GON NA REMOVE THE FRAUD INQUIRES ON MY CREDIT REPORT ABOUT 6 MONTHS THROUGH PREVIOUS COMPLAINTS AND I TOLD THEM I DONT WANT A FRAUD ALERT ON MY FILE DUE TO PROBLEMS IVE HAD IN THE PAST AND I CANT EVEN CONTROL THE LOCK AND ALERT FEATURE MY CREDIT MONITORING HAVE. WHY IS THAT. I HAVE OVER 100 INQUIRES ON MY MY XXXX  CREDIT REPORT DUE TO NOT BEING ABLE TO LOCK MY REPORT ON THE APP. I CAN WITH XXXX  AND EQUIFAX. THAT IS WHY I DONT HAVE MANY INQUIRES WITH THEM BECAUSE OF THAT FEATURE AND I CANT EVEN GET MY ANNUAL FREE XXXX  REPORT FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX I contacted Citi to close my Citi Premier Card due to the annual fee. Given that everything has changed due to covid, I thought I should save that {$95.00} rather than pay the bank. While speaking via phone, the representative offered me a deal/offer : If I spend $ XXXX/month, for three months in a row, Citi will refund the charged annual fee. Given that I like the card, chose to accept the offer, I even thanked the rep For offering me that. Offer was active from XX/XX/XXXX to XX/XX/XXXX. I did spend the required amounts, yet the annual has not been refunded. I have contacted Citi a few times via phone and via Chat ( message us tool at citi mobile app ). Via phone I have spoken to : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and the Last time I spoke via phone was on XX/XX/XXXX, first with a rep called XXXX, then with a supervisor named XXXX. -XXXX  confirmed that I have completed the required spending, therefore I will get the fee refunded at the end of the cycle XX/XX/XXXX. It did not happen. The chat reps were absolutely incompetent ( last conversation tonight XX/XX/XXXX XXXX with XXXX  ). 

Today, 6 months after Citi promised and offered the deal, ( I paid the {$95.00} annual fee in XX/XX/XXXX ) I am writing to you due to their irresponsible behavior. They should have let me close the account, not lie to me with an offer or promise they did not intend to fulfill!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-25 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 {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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 {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$6900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried to contact Equifax XXXX  and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with XXXX XXXX. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: NCP Holdings, L.P.
State: TX

Complaint narrative:
I have disputed a collection for the amount of {$1900.00}. This has been added to my credit report from NCP Finance. I dispute this collection because the account has been settled. I would like for NCP to provide me with a copy of the original contract between myself and and the original creditor with my signature. I would also like a full detailed accounting history on the account and the calculations on how they reached the amount due. I also would like proof of the date of the last payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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