vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -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 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recieved a email from paypal asking that i submit a credit card to prove i am who i say i am. I followed the indtructios but now the paypal email takes me to another website i am really worries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXXXXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have requested both online and via usps mail that fraud alerts and freezes including the extended be removed from my credit report but have failed to be removed. Furthermore the initial fraud alert was done so fraudulently in an attempt to keep me from using my own credit and obtaining credit. I have include my DMV issued identification as I have also done previously to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
This company is reporting a payment on XXXX of 2017 as 30 days late. This information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delta Outsource Group, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX outsourced debt to a collection agency ( Delta Outsource Group ). I contacted the agency that they referred me to. The agent said they have not had the debt in over a year. I contacted XX/XX/XXXX XXXX XXXX again and they told me there is nothing that they can do because they don't own the debt. I would like to resolve this debt as quickly as possible. Emails and phone calls were made on XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Chime Financial Inc
State: IA

Complaint narrative:
I received a text message at XXXX XXXX. on XX/XX/20. I was working so I did not open it until XXXX XXXX. I see it says transfers completed. I immediately log into my chime app because I had not made any transfers! I go and see they drained my account through their transfer method they use pay my friends I have never ever used that and it was transferred to a XXXX XXXX The first one was {$240.00} and the other was {$50.00}. They left me with {$.00} I find it very odd they knew exactly how much was in my account and what to take out. I called them immediately and they basically told me they cant do anything. They took my money ... had it transferred through there app.. and they cant close this other person who banks with chimes account and get me MY money back. I am so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I made a transfer of XXXX dollop on or about XX/XX/2020 and PayPal did nothing to tell me where this money went or returning it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with Experian, XX/XX/XXXXand XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXXXXXX XXXX  ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them

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 2020-11-06 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:
The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXX and the Credit Bureau.

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 2020-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: FL

Complaint narrative:
I request your assistance to resolve a matter concerning an overpayment of our mortgage escrow account. There is a discrepancy between the mortgage loan amount that we have been paying to the actual amount being credited. As of today, neither the lender nor the loan service provider knows what happened to the $ XXXXmonth we have overpaid since XX/XX/XXXX. 

We noticed the discrepancy when we got a letter from XXXX XXXX  indicating that the it would no longer service the loan, which was held by ARC Home and to contact the new service provider XXXX XXXX. Exhibit 1 We contacted XXXX XXXX  to verify the change and were told the new payment was $ XX/XX/XXXXmonth. Exhibit 2 This came as a surprise since we have been paying XXXX XXXX  $ XX/XX/XXXX/month. Exhibit 3 We called XXXX XXXX  to discuss this matter, because XXXX XXXX  indicated that there was nothing they could do. XXXX XXXX  in turn told us to call ARC Home, because they were responsible for servicing the loan. 

We call ARC Home to inform them that their statement dated XX/XX/XXXX, which indicated Amount Due {$3000.00}, ( Exhibit 3 ) did not match the one shown in XXXX XXXX statement. Exhibit 4 Since XX/XX/XXXX, we have made numerous calls to ARC Home and got nothing but promises that the matter was under review. On XX/XX/XXXX, we were told by XXXX that he will discuss the matter with his supervisor and definitely would get back to us with a response. The case number he gave us is XXXX. 

We explained to XXXX that this money should have been going into our escrow account to cover XXXX property taxes due in XXXX. As of XX/XX/XXXX, there is an escrow balance of {$4200.00} when it should be {$8400.00} ( XXXX ). Exhibit 5 Today we called ARC Home again because we have not heard from XXXX, as he had promised. This time a XXXX told us that the matter was still under review and for us to wait a few more days for a response. We told her that ARC Home has had four weeks to resolve the matter, and meanwhile we have to come up with an additional {$4000.00} to pay for property taxes due at the end of XXXX. Therefore, we were going to report this matter to the Consumer Financial Protection Bureau and take legal action against ARC Home. 


Exhibits : 1. XXXX XXXX  Notice of Servicing Transfer 2. XXXX XXXX Next Payment Amount Due Statement 3. XXXX XXXX  Escrow Account Statement 4. ARC Home Mortgage Statement 5. ACR Home Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXXand the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called equifax to obtain a copy of my credit report, I was told because I couldnt answer the question thats on my credit report that I have to fax a copy of my ID and social security card, against my better judgment, I faxed it but I havent received a copy of my report. The purpose of contacting the credit bureau is to see what is on your account. Because the question that was asked either had nothing t I do with me or the questions are so old I dont remember. I want my credit report because I feel the data thats listed is incorrect, and I have been denied credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
To Who It May Concern, To briefly explain the issue, I am financing a car through a company named United Consumer Finance in XXXX,XX/XX/XXXX. For the last couple months both my daughter and I have been constantly harassed by alleged " investigators '' calling in regards to the cars whereabouts and that payments need to be made on it. But when I would ask them how much is owed no one had an answer to give me. My daughter has nothing to do with anything that has to do with the car ( paperwork wise ) but she does help me with the payments. We don't even live in the same state for XXXX sake. 

My daughter was personally harassed on Saturday XX/XX/31 at around XXXX through XXXX by alleged bank workers with bogus badges consistently called her phone and ringing her doorbell in order to get the keys to the car. She has proof of over 10 missed calls from these alleged repo men and they continuously kept ringing her intercom but she wouldnt let them in because she wasn't expecting anyone at that time. Who has any idea who could be at the door at XXXX? My concern is why would they go to her house to get the keys to the car? it is clear that is what they went to do. Isn't that invasion of privacy? One alleged investigator said to me that the title was being resold to someone else. Who does that? How do you renegotiate a title of a car someone else has and is almost paying it off? These repo men did not identify themselves once and then just took the car without giving my daughter notice of where it would be or how much is even owed. There's proof that the car has been being paid, why go through all of this? We're in the middle of a pandemic where some places are offering financial reliefs and here they are repossessing a car that's more than half paid off. Needless to say, a tow truck never came and the guy just took the car keys away from my daughter and drove off no information only thing he said to her was to get legal advice because something seemed strange about it all. I believe he mentioned that because she said she felt harassed. 

I have all the money order stubs of the payments that's been made on that car, not much is owed on it. My concern is not only if this repossession was lawful but on what grounds can they show up to my daughter 's house who lives in a completely different state and has nothing to do with the car without identifying themselves. I thought repo men just take the car and keep it moving thats it. I know the people that called would say they were investigators but was she being stalked? By a bank? That really worries me. 

I would greatly appreciate your help in anyway you can. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery {$590.00}, XX/XX/2017. The collection has been reported and appears on my credit report as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, XX/XX/XXXX and Transunion multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXX XXXX XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them

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 2020-11-06 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: TX

Complaint narrative:
I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, Equifax and XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} ) XXXX XXXX XXXX {$3500.00} ) XX/XX/XXXXXXXX XX/XX/XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing this complaint about amazon on online shopping and returned policy.

I bought a cell phone and a teapot for {$740.00} which I return by ups with a label that was sent to me by amazon. They item was received on the XXXX XXXX in their warehouse which was verified by XXXX and amazon customer service also several supervisor from the amazon department. Every time i called the said the item was received and waiting to credit my card within 3 - 5 days but there has been no credit on my card and also the bank is going to charge me finance charge in the amount of {$740.00}. i know that i am not the only person facing this problem with amazon there are a lot of people who said amazon is ripping them off. Whenever you made a purchase from them the take the funds out in a second and when to give back the funds we have to wait several weeks. I would like to open an investigation on them and they should be penalized for ripping innocent people off, I also have all evidence to show that item was send and received .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 monetary relief
Consumer complaint received 2020-11-06 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: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft

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 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne put a restriction on my account claiming they can't verify my identy which they requested me to send in my government issued ID which I did XXXX XX/XX/2020 XXXX. Not only did they not update my information on my account, they refused to remove the restriction, hold my promised reward and closed my account. I sent to them my ID for verification the second time ( XX/XX/2020 ) and never got any notification from them working on my case. I demand that they re-activate my account and gave me my deserving reward of more than {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I checked my credit report today and noticed a collection from National Credit Adjusters claiming that I owe {$480.00} to some company named XXXX XXXX. I have never done business with a XXXX XXXX nor have I ever heard of them. This ridiculous collection has caused my credit score to drop.

Company response to consumer: Closed with explanation