vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 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: TN

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX ) & XXXX ( XXXX XXXX ) Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2020-09-07 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: TN

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2020-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. I HAVE LISTED THE ACCOUNTS BELOW. PLEASE ASSIST ME IN HAVING THESE ACCOUNTS REPORTED AS FRAUD AND HAVE THEM REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXX ACCT # XXXX 3. XXXX XXXX ACCT # 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 2020-09-07 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 {$140000.00}. 
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. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -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 2020-09-07 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 {$140000.00}.

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. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}.

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. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -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 2020-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF HAWAII CORPORATION
State: OR

Complaint narrative:
I applied for a bank of hawaii personal account on XX/XX/2020. In the next two days, I was fully operating normally and was about to transfer money to the account. I just entered the wrong password once, and found that bank of hawaii closed my account without giving it. specific reason. I am very angry. I have not violated the user agreement and other rules and regulations that you made, so I am preparing to complain. Their behavior makes me angry too. 

my userid : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I opened an account with coinbase.com. I transferred money into this account from my XXXX XXXX  savings account. I made 5 transfers from my XXXX account to coinbase on the following dates. XX/XX/XXXX, transaction 1 - {$9900.00}, transaction2 - {$150000.00}, XX/XX/XXXX, transaction3- {$17000.00}, XX/XX/XXXX transaction4 - {$9000.00} and finally XX/XX/2020 for {$25000.00}. Afterward their wait time, I transferred money to an offline account as I do not trust the security of online companies like this to hold my money. I completed all of coinbase 's verification steps to validate my identity with my Florida drivers license, an updated self photo and setup 2 factor authentication on my account. On XX/XX/XXXX, while attempting to transfer bitcoin to an offline wallet, I received an indication that my account is restricted. I filed a complaint with their support department, but the only response they  have given is that my account is not eligible for review until XX/XX/2020 and also stated that they can not elaborate on this decision. I have emailed them back and informed them this is unacceptable and to call me at the telephone number listed in my account but communication from coinbase has ceased and I have not received any other communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This whole thing started in XX/XX/XXXX when we had a hurricane ( hurricane was actually in XXXX ). The bank was supposed to move 3 mortgage payment to the end of the loan. At first it seemed they did that but the all of a sudden in XXXX of XXXX even though I was paying the current payments they started to say I was behind 3 mortgage payments. So at some point I got a letter I can't remember exactly when but I got a letter saying I had to pay all 3 payment in full  by XX/XX/XXXX or they would be able to start to a foreclosure process. I sent the payment in and they credited the account on XX/XX/XXXX. So at this point I was paid up there was a {$0.00} balance past due. Then on XX/XX/XXXX they took out of my escrow {$1700.00} for foreclosure fees for an Attorney. I didn't find out about this until XXXX of XXXX when I got the end of year statement. At that point I called them and asked about this and they said that yes the fees should not have been taken out and they would be put back in. Well they never did that and they sold my mortgage to another bank in XX/XX/XXXX. So when I started to receive new statements I see in very small print this {$1700.00} in fees. I inquired about it with the new mortgage company and they took three months to tell me it was a fee from my old bank Santander. So I inquired at Santander and I finally heard back after another two months. They said it was Attorneys fees for foreclosure and so they weren't giving  me the money back but they didn't even address that I was paid up a {$0.00} past due balance when they took the money. I have written to them again and asked them to address why they would take the money when I was paid up with a {$0.00} past due balance but they haven't responded. I will include an attachment of the account statement where u can see the payment was received on XX/XX/XXXX and they took the money out XX/XX/XXXX. Clearly I would think it is illegal to take money out of a escrow for Attorney foreclosure fee when the past due balance is {$0.00}.

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 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
As of XX/XX/2020 Mortgage account with Flagstar Mortgage is not reporting account or payment history. Information is missing. This missing information is damaging to my credit report lowering my FICO score by over 21 points. Attempted to fix this problem with the company last month via phone call. Information is still missing, 30 days later.

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 2020-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Signature Bank (NY)

Complaint narrative:
On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX company named XXXX XXXXXXXX XXXX. Money was transferred from my account to the Signature Bank via wire transfer for a total amount of XXXX XXXX USD. Signature Bank TOTALLY IGNORE their responsibility. They never reply back to me, nor did they provide me with a final written response. It is obvious Signature Bank is an ACCOMPLICE to the crime and a person assisting a thief is a THIEF THEMSELVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2020 they received and acknowledged my dispute to XXXX, Transunion, & XXXX  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}

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 2020-09-07 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: CA

Complaint narrative:
XX/XX/2020 they received and acknowledged my dispute to XXXX   XXXX & Equifax  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX XXXX  {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX XXXX {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX XXXX  I want my payment history updated to paid on time for XXXX XXXX {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I purchased 2 items from XXXX shopping totaling XXXX on XX/XX/2020 One of the 2 items arrived. The other did not. I reached out to XXXX shopping and let them know and thats when the lies started rolling in from them. 
They supposedly refunded my debit card for XXXX after i told them not to because i have a different bank now and that card was closed. I sent multiple emails and had multiple chats with there " support " people. There entire customer service is a joke they dont listen to a XXXX thing, they constantly tell you the same scripted XXXX and in all reality there just not helping there customers. After i was told by XXXX that my shopping account was frozen because there was suspicious fraudulent actives and i am un able to make more purchases ... i get a email about my refund cuz i filed a despute with them on it ... i get a email saying they denied my dispute cuz they couldnt find any fraudulent activity ... ..ummmm hello why is my account frozen then.???? XXXX cant tell its lies from there XXXX and im not the one to be taken for. Just because they have billions doesnt give them any right to brush off my money ... XXXX would be nothing with out people like me who gave them money with the expectation of a service or a product delivered. There entire stance on this entire nightmare has been cold unhelpful and unethical. I want answers and i want my money plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MO

Complaint narrative:
I have been waiting for my card for 5 weeks it isnt in mail yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 they received and acknowledged my dispute to Experian, XXXX, & XXXX and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}

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 non-monetary relief
Consumer complaint received 2020-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Opened a checking and savings account as part of a mailed promotion flyer. Terms were met and {$400.00} was earned for checking. Terms were met for the savings promotion ( open account and deposit {$10000.00} through XXXX XXXX ), but {$200.00} promotion never provided by bank. Multiple calls to bank branch and spoke with manager. Branch first stated that my savings account was closed when I transferred out the money and that is why they couldn't award the {$200.00}. Branch said that on their end, they saw the account was closed. However, my savings account is in good standing and open and I was able to transfer money to it. Manager agreed and was following up with the district manager/marketing department, but have not received any call back for over a week.

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 2020-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Auto Finance Co
State: AZ

Complaint narrative:
Though I didn't receive right to dispute notice they have also just recently started " flagging '' my account for charged off as bad debt! 

This has been a right off for nearly 2 yrs. And as soon as my scores started to climb they " flag '' it, when it's already been disclosed as a charge/write off now it's affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: AR

Complaint narrative:
RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT EQUIFAX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.

Company response to consumer: Closed with explanation