vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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 {$22000.00}, {$20000.00}. 
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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -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 2020-05-27 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 {$22000.00}, {$20000.00}. 
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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Problem Company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Midwest Recovery Systems
State: TX

Complaint narrative:
My name is XXXX XXXX, Im only XXXX years old I started building my credit at XXXX but I stupidly had lots of credit cards at the age of XXXX but when I turned XXXX I paid most. And when I checked my credit score a couple days ago I see this one I never ever seen before it just upsets me seeing companys trying find any money. I have no idea what the XXXX it is : / just upsets me because in a couple days Im turning XXXX and it just sucks knowing someone took your identity and did this. If yall can please just help me I dont want to have this on my report for the next 6 years please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
There is a lady and her mother plus my assigned fake grandma and they all three took advantage of me. One of them has tooken so much money from the emerald card thing and I don't think its fair I'm homeless and broke. I am always borrowing money for soda and bumming cigarettes and I just colombined and so I'm XXXX weeks old, so they should all deffinatly stop now. I know what I was forgotten about and I'd like nothing to do with those three dependants please. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Plus the hookup with method she gets, ud like it for myself instead. Thanks, they're not related to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
as previously notified I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before hte date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''

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 2020-05-27 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: CA

Complaint narrative:
On XX/XX/XXXX I sent in an inquiry dispute to XXXX  for 13 inquires and Equifax for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from XXXX   stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX Experian was sent a Method of Verification letter via certified mail on a Bankruptcy reporting on my credit report. I filed a complaint with the CFPB ( XXXX ) because Experian didn't respond within the 15 days required. A copy of my DL and power bill was sent in this original letter and they came back and asked for it again. 

Experian responded that they didn't think I directly made the claim, but they still never responded. I didn't make a claim, I simply asked for a method of verification. 

Experian did respond to my disputed student loans but never addressed any concerns about my identity in that letter and they received them at the same time. The neglected to address the hard inquiries on that letter as well. 

I'm asking Experian to delete the Bankruptcy because the failed to respond within the 15 days required by federal law nor did they deny that they received the method of verification letter. And I'm asking them to delete all hard inquiries that are not connected to a account that I'm responsible for on my credit report because they didn't investigate my dispute on the inquiries. Some are listed several times on the report. 

The problem I have with this whole is when a company reports to the credit bureau, they have no problem destroying your credit without proper identification, but as soon as a person decides to fix a negative account needs to prove who they are! Please delete the bankruptcy and the hard inquiries that you decided not to investigate.

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Problem Company : SPECIALIZED LOAN SERVICING problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Problem company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the companyis stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. '' I tried calling the company to get this corrected. They never corrected the problem. 
I tried writing the company to get this corrected. They never corrected the problem. 
Instead, they said they corrected the problem - which they did not - and they said they were sending me a " confirming letter '' confirming that the problem was corrected. Instead, they sent me another borrower 's information - and they never corrected the problems with my accounts.

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 2020-05-27 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: Block, Inc.
State: WA

Complaint narrative:
For the past two weeks, I have been trying to contact CashApp because they have froze my account for my protection. I emailed them and I get a automated response stating they will handle my case. Later in the week I tried to cash out my money and now my funds are frozen. I contacted them on XXXX  and theyll on give me automated messages and tell me to wait 48 hours. Its been two weeks and I need access to my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 am a victim of identity theft, please see attached documents

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 2020-05-27 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: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Portfolio Recovery Associates is using a wrong postal address as my personal address in XXXX Va. They responded to my complaint disputing their claim that I owe a debt to XXXX XXXX, which they purchased. They stated the debt bought from XXXX XXXX was a delinquent credit card. I never had a credit card account with XXXX XXXX  or XXXX XXXX. Moreover, Portfolio is reporting the debt to XXXX  as originating with XXXX. I did not have any credit card account with XXXX either. XXXX and XXXX are not the same bank. In Portfolio 's response the last 4 digits ( XXXX ) of a credit card were presented as proof of the existence of an account. I want the full account number, the dates of the charges, and to whom, and the last payments made on the account and the beginning and ending balances at the time. Portfolio claims a charge was due of {$190.00} on or about XX/XX/2019. If Portfolio has the original records they would have exact dates and amounts of the original charges and the dates of the charges, as well as to whom the charges were made. Without more definitive information the charges are baseless and must be removed. The information given by them is an amalgam of disparate information that does not verify the existence of a bona fide account attributed to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never worked at XXXX I have VA XXXX I have never lived on XXXX XXXX. 
I worked at XXXX for four months in XXXX XXXX. 
Im paying on all my collections and have been for almost a year. 
I started working at XXXX  XXXX XXXX in XX/XX/XXXX. On the 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 non-monetary relief
Consumer complaint received 2020-05-27 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: DISCOVER BANK
State: CA

Complaint narrative:
Around XX/XX/XXXX or XXXX my teenager son son wanted to buy used XXXX headphones he saw advertised on app called XXXX & started talking to XXXX XXXX the seller. The seller was telling my son to use XXXX to pay him & when I asked my son why cant you pay him through XXXX he said seller cant accept payment from that up. I got a bad feeling about this whole transaction but I agreed because my son was very excited about getting these headphones & he has XXXX so I help him with purchases. Now I had messages on messenger with the seller & he got paid through XXXX & he said he would send the tracking but never happened & he ignored messages. Now I disputed the transaction with XXXX and now XXXX rejected because theyre saying we violated the XXXX policy by paying a vendor through friends and family so theyre blaming us & rejecting the claim. The crook got paid & we are out of & {$100.00}. Our credit card company Discover is not protecting us and XXXX is taking sides with the crook who swindled us & we broke the policy. First able when we made the payment through XXXX we didnt know XXXX was involved and XXXX didnt show the details of the transaction. Now both Discover & XXXX is rejecting this online scam as treating it as its our fault & we are liable for the payment. XXXX also didnt help by saying its friends & family transaction. I asked them to investigate this guy and report him to authorities & I doubt they did anything. I dont want to be resposible for this charge & I want it taken off my account. This is an online scam & he is praying on people like my son who has XXXX. Plus not everyone out there knows these apps like XXXX or sending money on XXXX is like cash where there is no tracking it or crooks like this use it to their advantage. XXXX and Discover dont offer any consumer protection when scams like this are going on. Im sure we are not the only ones. Plus XXXX & XXXX charged around {$4.00} in fees which Im sure there is insurance that protects them during fraud cases. Im out right now {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: IA

Complaint narrative:
I have filed a dispute with equifax for incorrect collections on my name. I can not seen to get a answer for my results. I have had no luck contacting them on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: MO

Complaint narrative:
So during a national pandemic and stay at home orders at the state level during COVID19! Western shamrock Loans and Attorney XXXX XXXX firm frivolously did a hard pull on my credit without contacting me although they have my number and affected my credit score no where in judgement does it state they have authority to do so as it supersedes the contract in my opinion they are blatantly frivolous in doing so during a national pandemic and they need investigated as they obviously only care about money and have NO care for any Missourian  or citizen of this state with regard to COVID19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This car loan was closed in 2018 in my chapter XXXX bankruptcy it Needs to be removed from my XXXX  credit report

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 2020-05-27 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: NC

Complaint narrative:
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 

XXXX XXXX XXXX Past Due Amount : {$1300.00} Dispute XXXX XXXX XXXX Past Due Amount : {$190.00} Dispute XXXX 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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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