vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 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 {$1000.00}. 
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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3500.00}. 
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. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC has been contacted several times about a jewelry scam from XXXX   XXXX for XXXX the jewelry is fake and was sold to us under false presence also a damaged fake item. I sent several emails to merchants and told him i was going to take to jeweler here and he was begging me not to which is very suspicious and made it seem clear his jewelry was fake. I asked for this to be taken off the charge as we tried reasonably and diligently to have this taken off, XXXX  XXXX  is not a reputable place to due business with and we have made several attempts with HSBC also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2020-02-23 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: GA

Complaint narrative:
EXPERIAN ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELOW IS TH THE INFORMATION OF THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX   XXXX XXXX : XXXX No : XXXX Date opened : XX/XX/2014 Balance : {$4300.00}

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 2020-02-23 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Following a totalled vehicle ( XXXX XXXX XXXX  ) claim paid by XXXX   XXXX  on XX/XX/XXXX, gap insurance company failed to complete processing of the remaining balance ( {$3700.00} ) with auto loan company ( Ally Financial Acct # XXXX ). While attempting to secure a mortgage in XX/XX/XXXX I discovered that the account had not been resolved resulting in two slow pays in XXXX ( a 30 and a 60 day ). This was after no contact or attempts to collect the remaining balance of the loan to my knowledge, including no additional monthly payments, from XX/XX/XXXX. I contacted them in XX/XX/XXXX and was able to complete follow up and secure payment from GAP insurance claim ( policy number XXXX ) even though original company ( XXXX XXXX ) had turned the claim over to XXXX. When the funds ( {$2700.00} ), from gap ) were received by Ally in XXXX ( XXXX ) of XXXX, Ally refused to removed slow pays from account basically saying it was not their problem so they would not work with me even after additional review. In addition there were several confusing financial adjustments ( attached in Ally account summary ) on the day that payment was processed from 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 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 I applied for a credit limit increase online, to which I was marketed for. On XX/XX/2020 that same credit limit increase request was denied. Letter states that Capital One attempted to contact me to resolve a consumer alert on my credit report on XX/XX/2020. Of which no actual attempt was made. No voice mails, letters, or email 's to show that capital one was attempting to contact me. Which is concerning as a consumer that someone might have access to my account and no one is actually verifying this request if it was in fact myself that made the request for the credit limit increase. I re apply for the same credit limit increase on XX/XX/2020 to find out that I am now denied due to " Low account usage '' I've had the same usage as the previous months, and I was marketed for this credit limit increase. I feel mislead and unprotected as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: NC

Complaint narrative:
Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my XXXX XXXX XXXX  account was never late not even the 1 time both companies show. XXXX  and TransUnion. Nor was it closed as a negative as Transunion shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from TransUnion and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by TransUnion was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you TransUnion is unable to receive disputes online. I also have sent numerous letters will all required information with no response from 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 2020-02-23 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: Presto Loan Center, LLC
State: NC

Complaint narrative:
Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my Presto Auto Loans account was never late not even the 1 time both companies show. XXXX and XXXX. Nor was it closed as a negative as XXXX  shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from XXXX  and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by XXXX  was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you XXXX is unable to receive disputes online. I also have sent numerous letters will all required information with no response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2020 XXXX XXXX, I was scammed and transfered XXXXUSD via Chase quickpay to someone with an email adress XXXX. I was exchanging XXXX currency with this person online who was supposed to transfer XXXX currency online to me after I quickpay him/her the money. However, he/she never replied to my message after I transfered the money. 
I contacted the Bank of Chase and they refused to reverse the fund. The transaction is under pending but they also said the money is already transferred to the other person. The bank has authority to access the transaction and they are allowed to reverse that with this type of scam. However, they refuse to. 

Here 's the police case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a fraud alert active with an old phone number, I'm having problems getting a car loan because I have a new phone number. I'm having problems confirming identity, I want the alert removed or the phone number updated. My old number was XXXX which is no longer my number, My new number is XXXX Experian makes it so hard for me to get my credit back in good standing. 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 non-monetary relief
Consumer complaint received 2020-02-23 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: TX

Complaint narrative:
ftc violations XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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 2020-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violations XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX AXXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Conn's, Inc.
State: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute CONN APPLIANCES INCUnder Dispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Clarity Services
State: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute BMW FINANCIAL SERVICES/CREDITUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: FL

Complaint narrative:
I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files

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 2020-02-23 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: FL

Complaint narrative:
I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: FL

Complaint narrative:
I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
First of all, I am not a US citizen, I am from XXXX and living right now in the US, feel like I am being treated like a XXXX for this fact, which I can not change obviously. 
I don't know where I can complaint for inconvenience and inappropriate customer service that happened to be from two clothing brands but I will tackle one now for the credit card application. 
I have American eagle multiple branches in XXXX and I have purchaced multiple times from them whether in my country or here during my stay, during a purchase I was told I can apply for credit card as long as I have American Eagle in my country with my passport ID, so I missed the application on that day, on XX/XX/2020. I went for another branch and I was told it's ok to bring my passport and use it for the application to get 20 % off my prchase. I went homeback in the US to grab my ID and when I finally arrived after 180 minutes almost, guess what??? I was told sorry you need a social security number for this otherwise, application is denied. OH!! really??!! why I wasn't told this ealier instead of wasting time and effort and money for this XXXX. I am really disappointed for the attitude and rules of being a international customer with no rights or rewards because I don't have a social security number, I called the customer service the next day to speak about this, no one helped me actually and I was kept on hold for half an hour then finally someone answered saying sorry who are you calling then ended the call. I really wish I could have spent my money which is like above 500 dollars during the last month for a better customer service.I am attatching my last purchase receipts. Hope I am getting a reply. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In XX/XX/XXXX I signed a mortgage modification Subordinate Note and Security Instrument with Bank of America. In XX/XX/XXXX XXXX  XXXX XXXX foreclosed on me. Bank of America presented documents that were not the original documents I signed. To bring your loan current, the FHA will advance funds ( Partial Claim Amount ) on your behalf to the owner of your first mortgage. In return, so the FHA can eventually recover that amount, you must sign a zero-interest subordinate promissory note and subordinate mortgage ( Partial Claim Mortgage ) by which you promise to pay the Partial Claim Amount to the Secretary of Housing and Urban Development ( HUD ). In the court Bank of America presented a document that claimed they were the ones I owed through a promissory note that I never signed. I told HUD about the promissory note and they said they did not have a record of it. I emailed copies of the promissory note and HUD had Bank of America remove them from the note and I never signed a different one like Bank of America presented in court.

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