vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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}. 
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 XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 2020-04-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXX.I was under a approved forbearance agreement back in XX/XX/2016for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also Experian shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my  credit report has prevented me from getting hired for work.

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 2020-04-21 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}, {$10000.00}. 
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 onXX/XX/XXXX and the subsequent response received onXX/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 actio
n.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX. I was never late with XXXX.I was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX  .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also XXXX  shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.

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 2020-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXXI was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXXAlso XXXX shows me never late for XXXX  XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
On XXXX I applied for refinancing of my home, all documents summited and loan were approved and locked, ready to deliver the loan, and instead I received email on XXXX XXXX that says " despite of approval and locking the loan, I am not qualified for the loan. '' That horrible statement delivered to me after I complained to CEO about unprofessional and unethical behavior of some of the employees inside the company got involve with me.

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 2020-04-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Credit reporting Agencies are illegally using my former name on my credit report, they have been provided with my LEGAL NAME OF 3 YEARS THAT INCLUDES COURT DOCUMENTS. They are not complying with Law, which is Unlawful even for I to continue to use MY FORMER NAME XXXX XXXX my SOCIAL SECURITY NUMBER HAS NOT CHANGED and has been verified. They continue to have visible a social security number that does not belong to me and that is not a verified SSN assigned to me .MY LEGAL NAME IS XXXX XXXX XXXX D.O.B XX/XX/XXXX. I HAVE COMPLAINT NUMEROUS TIMES TO THESE 3 AGENCIES REGARDING THIS ISSUE. I WOULD LIKE THE NAME XXXX XXXX REMOVED FROM MY ACCOUNTS ON ALL 3 BUREAUS. THERE ARE NO OPEN ACCOUNTS UNDER THAT NAME .ONLY MY LEGAL NAME XXXX XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: NJ

Complaint narrative:
Experian included a fraudulent account ( and my nonpayment of its charges ) on my credit report. I identified the account as fraudulent, took the necessary steps for it to be investigated, and obtained confirmation from XXXX Fraud Management that the account ( XXXX ) was opened fraudulently and that they have cancelled the fraudulent account, removed their credit inquiry and ceased collections activity. Experian has this information but continues to show the fraudulent account in my credit report, refuses to recalculate my credit score, and provides no means of correcting the record. When one chooses Identity Theft in the website interface as a reason for dispute, the website process stops and the site visitor is directed to call XXXX to report the fraudulent charges, but the IVR at that number provides no relevant options for doing so, and no " Operator '' option to submit correction requests to a 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
Consumer complaint received 2020-04-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
File : XXXX : XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX, SC XXXX PH  : XXXX Date : XX/XX/XXXX XXXX  XXXX   XXXX  | Placed for Collections : XX/XX/XXXX XXXX XXXX XXXX | Responsiblity : Individual? 
XXXX IL XXXX | Placed for Collections XXXX {$130.00} XXXX XXXX | XXXX XXXX XXXXice Outpatient Paid XXXX | Paid On : XXXX XXXX XXXX Check # XXXX | ACCOUNT XXXX | Insurance : XXXX Attorney : ( Not retained yet XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The reason you have received this correspondence is in reference to the above stated matter.XXXXI had received a bill from XXXX XXXX and politely informed them that the matter was Occupational in nature and should be billed to the XXXX County Parks Department. In addition, I don ; t quite understand why this was billed as XXXX Office Outpatient New when I had been there before. That billing code does not seem to be consistent. 

The unpaid item was not my responsibility, it was a Employment Requirement- And you XXXX was told this on the day of service and afterwords via phone. 
None of my actual patient notes, visit records are available via XXXX ( XXXX  : XXXX ) so I can not contrast the billing verses the actual dates of service. 

The part that was not in dispute was paid in full : The Payment of {$97.00} was paid towards the visit XX/XX/XXXX with XXXX, XXXX XXXX at XXXX XXXX XXXX. That's paid in full. 

This is how you treat a XXXX  XXXX. 
To the best of my knowledge, I was required to have this test, as being a XXXX XXXX, and XXXX of first aid  in XXXX County Parks. As you may be aware the Parks   are currently closed so to further complicate the matter, being unemployed and seeking work, I now have this matter incorrectly being reported to my credit report. 

Defamation of Character : Your reporting this matter as if I am easy to let some obligation not be taken care of, multiple phone calls and letters were sent to XXXX. I have not received any letters from this collection agency. A matter of fact this matter is still showing as a bill on XXXX. 

I have screenshots of the patient account screens and from the way it looks to me, an average patient and customer, with average education, there is no reason for me to believe that the matter was not billed to third party. It clearly states that I owe no money to see this on my credit report, does upset me. ( SEE ATTACHED ) Using the current pandemic as an excuse for not picking up the phone is just pathetic, people are answering phones at home at some companies, I expect better from you. 

I further understand that when I called in the system states that I have 3 invoices for several hundred dollars, bills that I have never seen, bills that have never been mailed and bills that have not been placed on XXXX  Please mail bills to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Email to : XXXX or Fax to :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. They problem still planed to collect another {$1300.00} to get {$3300.00} for the {$1800.00} borrowed. Outrageous! 

OnXX/XX/XXXX I filed a CFPB complaint about the excessively high fees. 

CashNetUSA reaches out to me and a payment arrangement was proposed. At this time it is important to note that I had missed no payments. I was now to pay {$550.00} with my next payment not due until XXXX XXXX. 

The same day this arrangement was made CashNetUSA sent me an email filled with fraudulent information! It stated : * As a result of several missed payments ... LIE! I had missed ZERO payments! 

* the full outstanding balance of {$1400.00} is now due and payable ... LIE!!! I was to only owe {$550.00}. 

I immediately contacted the company to dispute the above. I was told Please ignore the email that was sent today XX/XX/2020. I was expected to simply ignore their attempts to scare me into paying {$1400.00} ... which you can see is MORE than the {$1300.00} I originally was told to pay and nearly TRIPLE the {$550.00}. 

Due to this FRAUD and harassment, I ask CashNetUSA to accept ONE FINAL payment of {$350.00}. CashNetUSA will then have received {$2300.00} for the {$1800.00} borrowed ... {$540.00} in fees which is a rate of 30 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Trailing interest or residual interest on clearly stated on terms and conditions. 
Capital One is taking advantage of me by posting erroneous finance charges to my account. I had a balance on my credit card that I paid in full. 
This was applied to my account on XX/XX/2020. I was then charged two different finance charges on XX/XX/2020, one for a cash advance ( which I have never requested since I had the card ) and another for purchases ( none were made ) totaling up to {$14.00}. 
I understand the concept of trailing interest or residual interest, however, this is not clearly stated in the terms and conditions of the contract that I entered into with Capital One. I could not even find it mentioned at all. 
I called the company and was told by two representatives that the charges will not be removed and I will have to pay it. The problem I have with this is the interest was calculated erroneously. How can I be charged interest on {$0.00} only because their system said I was supposed to pay on a later date than I did? The company retroactively charged me on a balance that no longer existed. I want them to remove fraudulent finance charges off my account. I did not make any purchase and I did not request a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TX

Complaint narrative:
My complaint is against Equifax Credit the month of XX/XX/2020 my credit score went down 71 points for reason. I contacted Equifax Credit and asked what was the reason my credit score went down 71 points and there wasn't any change in my credit. I had no late or missed payments from XXXX to XXXX of 2020 and Equifax Credit was unable to find any issues themselves with my credit but my credit score still went down 71 points. I done an investigation on my own and other people are complaining of the same thing and not getting any answers to their questions either. Could you please research my situation and give me an answers to this problem or just fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This bank IS offering " financial relief '' as published and listed on their own website, help in forms of " DEFERMENTS '' for customer loans that are including HELOC 's and this info IS as per the TD bank website and I read this in many other forums on the internet to support this. It is published information that TD bank itself IS offering COVID-19 help for those loan products and DEFERMENT is only LISTED on tdbank.com, COVID-19 updates, that info says updated as of XX/XX/2020. It does not even state forbearances listed but I do not want any forbearance when I've been asking for a 3 month deferment! 

HOW DOES A BANK NOT HONOR THEIR OWN COVID-19 ASSISTANCE OFFERING TO HELP THEIR CUSTOMERS DURING THIS CRISIS WITH DEFERMENTS on HELOC 's?? I AM MIND BOGGLED HOW THEY ARE ADVERTISING THIS but WHEN YOU CALL THEM TO ARRANGE IT, THEN ITS A WHOLE DIFFERENT STORY THAT DEFERMENTS ARE NOT OFFERED? ISN'T THAT ILLEGAL AND DECEPTIVE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance incorrectly and without notice charged off a total loss deficiency balance from an auto accident i hadf and that i was making payments on. I fully intend to pay this off and have another loan with them that is current. 

There were no notices given that this would charge off and it has destroyed my credit rating and caused other creditors to lower or eliminate credit lines which is causing extreme distress during this pandemic. This occurred in XX/XX/2020 and i Capital One has said they reported correctly but there were no terms established defining the payoff of this deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( acct.XXXX  ), XXXX XXXX XXXX ( acct. XXXX ), XXXX XXXX, XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding incorrect information to my credit profile for others to see. 

XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX XXXX ( XX/XX/XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), 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  XXXX XXXX ( XX/XX/XXXX ) reported to Transunion that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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