vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$25000.00} 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 ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$25000.00} -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 2019-01-24 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: AZ

Complaint narrative:
The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXXXXXX XXXX, {$1500.00} and XXXX XXXX, XX/XX/2019.

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 2019-01-24 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:
I am writing to dispute a fraudulent charge on my account of {$25000.00} 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 ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$25000.00} -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 2019-01-24 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:
I am writing to dispute a fraudulent charge on my account of {$25000.00} 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 ) 1. XXXX XXXX with ACCT # XXXX  opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income and pay rate being reduced. I completed the modification packet provided by Freedom Mortgage and faxed all requested documents in as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX & XX/XX/XXXX. I followed up on XX/XX/XXXX and resent the modification packet again. On XX/XX/XXXX I received a letter from Freedom Mortgage advising that neither of the three modification packets that had been faxed and/or emailed was not received and all information had to be resubmitted. I resubmitted the documents again on XX/XX/XXXX. I then contacted Freedom Mortgage on XX/XX/XXXX due to receiving a letter from them advising again that all information that had been resubmitted, was not received!. The agent on the phone then submitted a request for loss mitigation to go back thru the previous documents received to retrieve all the documents needed. I called back on XX/XX/XXXX to confirm receipt of documents, and check status of modification, I was then advised that I needed to send in documents to confirm my spouse 's income information and my pay stubs which I had already sent in the initial request, along with a Hardship letter. On XX/XX/XXXX I called to confirm receipt of documents was advised that all documents were received but the wrong XXXX document was sent. I call again on XX/XX/XXXX, to check status of modification. Freedom Mortgage rep then advised me to send in again my pay stubs received from my last employer and a letter of hardship. I emailed these documents over on XX/XX/XXXX. I have asked and asked them to decision my Modification, but I keep getting the run around. They'll say I haven't sent a document in or didn't complete it right. I need help to keep my home.

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 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
Receivables Performance Management is attempting to collect a debt that I do not owe. 
they claim that I owe {$520.00} and this was opened on XX/XX/2018. I have already sent them substantiating documents showing that this was a result of identity theft but they have not been willing to cooperate with me and continue to report this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: MO

Complaint narrative:
I recently disputed the following accounts and the credit agencies, XXXX, Experian, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX  ( XX/XX/2016 )

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 2019-01-24 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: MO

Complaint narrative:
I recently disputed the following accounts and the credit agencies, Transunion, XXXX, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX ( XX/XX/2016 )

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 2019-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 )  XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/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 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX 3 times of {$34.00} overdraft Fee by Chase bank XX/XX/XXXX 4 times of {$34.00} overdraft fees by Chase bank Contacted the Bank many times and they refuse to waive these fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 ) XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/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 2019-01-24 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: MO

Complaint narrative:
I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX XXXX XXXX, {$3300.00}, XXXX XXXX,  {$140.00}, {$19.00}

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 2019-01-24 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: MO

Complaint narrative:
I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: MO

Complaint narrative:
I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}

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 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase block & lock my Chase Ink Business Cash Credit Card with absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA

Complaint narrative:
Hi my name XXXX XXXX XXXX XXXX i was XXXX  on the years XXXX until XXXX. Someone use my inf to get a loan in a new car dealership n or a mortgage to get a house? Which everytime a do my credit check online they always ask me about those two big loans that someone did under my name while i was in XXXX. I do have proof of my XXXX  time. Thank u

Company response to consumer: Untimely response
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is regarding closed XXXX XXXX account XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.

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 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I signed up for the XXXX XXXX XXXX Mastercard offered by Barclay Bank on XX/XX/XXXX. This card comes up with an annual fee of {$89.00} for each year of membership, which I paid during the first month when I signed up. When my one year came around, I decided that I no longer want to keep the card open and on XX/XX/XXXX, contacted Barclay requesting to close my account. At this time, they had charged the annual fee of {$89.00} ( for the upcoming year ). I was told by the customer service representative that since I am cancelling and not renewing my membership, the fee would be reversed and the balance XXXX  out. This was not done and I was charged a late fee of {$19.00} on XX/XX/XXXX. I called and spoke to another representative named XXXX, ID # XXXX, on XX/XX/XXXX regarding this matter. He stated that the last representative did not do what she told me she would. He apologized and stated that he would make sure the annual fee and the late fees would be reversed. I confirmed with him multiple times that this would be done as I do not owe these fees since my card was closed. He understood and stated that he documented the file. On XX/XX/XXXX, I was charged another late fee of {$19.00} ; none of the charges ever reversed. Once again, I was lied to by Barclay 's representative.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I submitted the following complaint last year. I never show an email that stated that there was a need for my response. 

I submitted an application for XXXX  Loan Forgiveness to Navient in XX/XX/2018. They sent a letter to me stating that because I did not put my social security number on top of each page that the application could not be processed. I resubmitted the application with my social security number on the top of each page of the application in or around XX/XX/2018. I called on XX/XX/XXXX and now they are claiming that they are not in receipt of my application! This is ridiculous! They need to be held accountable and process my application. 

Regarding Navients response, I did send the form to them with the required information on top of each page. What should I do to protect myself from Navients failure to acknowledge the receipt of my form that DID include my social security number on the top of each page?

Company response to consumer: Closed with explanation