vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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:
There is an account listed on my credit report that I have no knowledge of. This was a result of theft or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Mortgage Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX UT, XXXX Earlier this year, we asked for forbearance. The terms of the forbearance were not explained well, but we accepted the help and delayed payment of our mortgage by TWO MORTGAGE PAYMENTS ONLY. We decided that we could then resume payments with the unemployment insurance money. 

Our mortgage payment went up by about XXXX XXXX dollars per month. 

My husband still does not have full time employment. Our account is still in good standing. One month ago, my husband applied for forbearance again. Legally, this is allowed under the CARES act, but my husband has been asked for extraordinary amounts of information and has spoken to several people at the servicer. 

They have notified my husband that my credit ( I am not listed on the mortgage ) may be adversely affected by asking for help from them. 

Each time my husband calls, he speaks to someone who has no idea what is happening with our account, and tells him that there ARE NO NOTATIONS OF applying for forbearance on the account. Twice, two representatives have told him to remit payment, and then when he calls back, different representatives say that he should not pay. We received a notice that the information on our application was incomplete, but an additional representative directed my husband to ignore the notice. 

Two weeks ago, we were told that information on our application, notices and important messages would be communicated to us through our online portal, but we have received ZERO messages there, even though we have received phone calls from them. 

Last week ( today is XX/XX/XXXX ) have even been told on the phone by a representative that we " can not trust the emails that we receive from them '' and that it is our responsibility to keep contacting them to make sure the process is going forward. 

Immediately after that, we called back and a representative named XXXX said that person was completely wrong, we should wait to pay and everything is proceeding as it should. 

We got a phone call today XX/XX/XXXX from them. We do not know what it was about. They did not leave a message. When we called back, they said that they did not know what the phone call was about -- they did not have a record of the call. 

We restructured our mortgage in XXXX through the HARP program and have never had a late payment ( we were in good standing when we restructured as well ), but we have since been informed that our mortgage is NO LONGER a federally backed mortgage. I'm not sure how this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 {$380.00}. 
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 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 LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting erroneous late 's on my credit file. They are reporting late 's for XX/XX/19 and XX/XX/19, my payments are set up to be auto drafted. They failed to draft the payments for these months and also failed to notify me until a couple months later. When I called to see why my account was delinquent they noticed it was an error on their end and refunded me the late fee 's and interest charges. I was not late on my account, Capital One should of drafted my payments and they awknodlge this error. I'm not sure why they refuse to remove the erroneous late 's but I really need them off of my credit file as I was never late and have never been late on my Capital One accounts. I will attach the statement 's where you can see the late fee 's and interest were refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XX/XX/2020 I sent letters to Equifax, XXXX and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy Court and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I tried to do a debit card withdrawal at XXXX XXXX XXXX XXXX XXXX ATM machine. It printed a ticket to present to cashier for the {$500.00} requested plus {$26.00} fee for a total of {$520.00}. 
When I went to the Casino cashier to obtain the {$500.00} I was told that they don't process this type of transaction after XXXX XXXX. I asked how about that ticket that the ATM machine printed I was told it will void in a couple of hours and not to worry no charges will be processed. 
The next day I saw the charge submitted to my bank account with Citibank as pending. 
I thought it would clear. It did not clear and the next day it was charged to my account ending in XXXX. I called Citibank customer service to explain that I also could not reach anyone at the Casino. The Citibank agent offered to credit my account of the {$520.00} pending an investigation of the charge. A reference number XXXX was assigned to the case. 
I tried again to call the Casino to no avail, several messages were left with no one calling. 
I submitted an email inquiry on their website with no response. 
Yesterday I received a letter from Citibank service center /Client Research dated XX/XX/2020 ( I received on XX/XX/2020 ) essentially stating I need to submits the receipts of the transaction by XX/XX/2020 or they will charge my account for the {$520.00} previously credited. 
They don't seem to understand that no transaction took place as far as payment therefore no receipt. XXXX XXXX needs to prove the transaction with my signature to document if they ever paid it. That was no investigation from Citibank as far as I am concerned they just want the charge to stand. In this case I think what has started as an erroneous transaction is turning into an extortion and possible Bank Fraud. 
Both XXXX XXXX and Citibank need to thoroughly review their procedures to avoid this type of occurrence. Also I need to be made whole as far as any charges that don't legally belong against 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 monetary relief
Consumer complaint received 2020-12-16 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 {$380.00}.

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 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 LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They never resolved previous issue. Payments are still on a 29 day hold becuase I am 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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: AZ

Complaint narrative:
3 separate phone calls and documents sent to company explination below. 
Letter I wrote First Progressive : XXXX  XXXX XXXX XXXX XXXX, TN XXXX I am writing to request a review of a dispute filed XX/XX/XXXX. Case No XXXX was for a dispute in the amount of [ {$340.00} ] dated XX/XX/XXXX on my account. The amount was found to be accurate because letter dated XX/XX/XXXX, ( No billing error occurred ) and I am responsible for the disputed fraudulent charges. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
A credit was issued and then re-charged on my account. Even after I had called to reopen the disputed charges. Under the FCBA I can only be charged XXXX. I am in no way okay with saying due to a family relationship it is okay to call these valid charges. If in-fact you want to arbitrate this matter I am absolutely willing to do this. I have also filed a complaint with the federal Trade Commission as I informed the Dispute department I was going to since the ruling was not favorable for the theft on my account. 
Enclosed is a copy of the police report filed which had also been faxed to XXXX on XX/XX/XXXX as requested on XX/XX/XXXX when I called to ask the file be reopened. I spoke with a XXXX in Fraud/disputes who could not give me an employee ID number or any other information on her position. 
Today when I waited 1hour and 30 minutes for the dispute department to pick up I finally hung up and called back to customer service and got a supervisor XXXX who was able to connect me to disputes right away. XXXX in Disputes was told all of this and then came back on the line and said due to the perpetrator being related I am responsible. I believe it was my daughter who is XXXX years old who committed this act. I do not believe the credit act allows for people to be charged solely because of relationship. 
Copies of my original signed disputed transaction form signed XX/XX/XXXX, for total amount listed above to supporting my position. I also included some of the other proofs of theft on my other bank cards for your review. Please investigate this matter and correct the error as soon as possible. 
Police report # XXXX XXXX XXXX XXXX XXXX  disputed forms-amounts and case No. XXXX and XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BYL Collection Services
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
In XXXX of 2020, I had three fraudulent charges appear on my Chase United Visa. As soon as it appeared on my statement in XXXX, I contacted the company and reported the fraud, and asked them to replace my card with one with a new number. They replaced my card, and then took the charges off my card, and launched a fraud investigation. However, in XXXX, they put the charges back on my account, and claimed that these were legitimate charges. The merchant in question, who is apparently in XXXX XXXX, claimed to have a copy of the credit card in question, and proof of a signature from my son matching the signature on the back of the card. However, ( 1 ) my son ( who is XXXX ) has never been to XXXX XXXX, so could not have made these charges and produced his credit card ; ( 2 ) the signature on the charge slip is not my son 's signature ; and ( 3 ) all of our credit cards have " Request Photo Identification '' inscribed on the back of the card in place of a signature precisely to prevent fraud. Clearly, someone has spoofed the card and the signature in order to perpetuate this fraud, but despite my repeated explanations to Chase, they refuse to remove these fraudulent charges from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue

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 2020-12-16 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: CA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX  loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue

Company response to consumer: Closed with explanation