vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The credit bureaus have yet to provide me with any results to the disputes I have sent to them multiple times! I've been keeping an eye out on the mail for any responses and have yet to receive any correspondence or results!! I don't understand how they can just ignore disputes and report inaccurate items. I understand with the pandemic there is a delay but it can't possibly be over 4 months long. Under the law they are supposed to be providing results. They need to remove the inaccurate items off my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I need to lift a freeze, but I can't login or reset my password via their website even though I have a valid email address and password. It simply keeps saying temporarily unable to complete this request. I have tried calling the phone number listed, but I just get a busy signal. I have tried to use the phone number to lift the freeze to no avail. I have spent four hours of my time trying to call or logon to this company 's website. Equifax has already lost half of America 's citizens personal information including mine due to their continued incompetence. All of my options of trying to contact this company have been spent. I hope congress acts to strip these credit agencies of their monopoly and punish them on behalf of consumers. I simply would like my credit freeze lifted and be able to either logon to the website or call to restore my account. This company has wasted my time, money, and has been careless with my social security number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : Transunion, XXXX & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
AS OF OTDAY XX/XX/2020 CHIME CLOSED MY ACCOUNT WITHUT ANY NOTICE OR REASON AS TO WHY. I HAVE OVER XXXX IN MY SAVIGS ACCOUNT AND I WAS SUPPOSED TO ALSO RECIEVE MY DIRECT DEPOSIT TODAY WHEN I LOG IN AND CALL IT STATES MY ACCOUNT WA CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Wells Fargo business account was closed in XXXX by the bank. They said that they will send me a check to my mailing address but I still have not received it. I tried to call them but the call just got transferred in between various departments without resolving it.

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 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My ex-boy friend purchased furniture at Ashely 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at XXXX XXXX XXXX on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.

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 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services
State: MD

Complaint narrative:
This account has been reappearing on my account for some years now. I have made several attempts to resolve this issue and this issue still has not been resolved. I have also contacted each credit bureau and this issue still has not been resolved. 

Under the credit reporting laws this is to be removed from my credit report. I have sent 609 Letters a total of 6 times. 

This is a old resolved and closed account, If the collection agency does not have a reason to report this to the credit bureaus it should be removed. If they do see that it is an accurate credit reporting, I have been asking for all supporting documents be sent to XXXX. 

Lendmark Financial Account # : XXXX Date Opened : XXXX Account Status : Closed 1st Letter : XXXX 2nd Attempt via dispute online : XX/XX/XXXX 3rd Letter Follow Up : XX/XX/XXXX Final Attempt : Called all Bureaus and Company and I received no help with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: The Bureaus, Inc.
State: FL

Complaint narrative:
I have contacted all three credit bureaus requesting dates, services & validation from this company that's reporting on credit report & the bureaus has not responded back & credit bureaus refused to complete a proper investigation. I have sent a letter via certified mail & usps return the letter deemed as undeliverable. I tried phone calls, letters & no avail. 
XX/XX/2020 Amount Claimed Owe {$820.00} Company Bureaus XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My issue is with the " Origination Charges '' simply stated I was charged a fee of {$3300.00} but my origination charges should have been {$440.00} ( A difference of {$2900.00} ) Its been a month now and below email is the last correspondence received from Penfed. I received a partial refund but still owed {$350.00} On Fri, XX/XX/2020, XXXX XXXX XXXX, XXXX XXXX wrote : Mr. XXXX, Ive done the research this morning and I can see that you are in fact missing funds. Based on the amount that was approved for the concession of {$2900.00} and the amount that was deposited into your PenFed share account of {$2500.00}, we still owe you {$350.00}. 

I have emailed XXXX my findings and will reach out to you once I hear back from

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 2020-11-25 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 {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-11-25 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 {$0.00}. 
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 XXXX 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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Ally 's customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from Ally to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, Ally reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of Ally!!!! I am totally disgusted. The reps are not helpful at all.

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 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
You, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with FIRST FEDERAL CREDIT CONTROL # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is a fraud loan application process online, without any document verification. The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. Please see page 5 signed by my e name and time zone is CDT. which is a fraud, I am living in XXXX, SC, EST. I am a student employee at the XXXX  XXXX XXXX XXXX. Please check page 6 my employer is XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. How WF verify my income and asset? 

Please see the attached pdf. The second page, two loan applications in XXXX, was not me! I don't know who did that face to face in the branch. And WF never said face to face before. 

I applied for a loan with my signature, Only in XXXX, it's being denied, true, then I borrowed family money. It's still the scam.

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 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
During a credit pull by our bank for a mortgage loan, we noticed a negative hit from First Financial Asset MG ( FFAM ), after further research, we were sent a bill for {$290.00} for XXXX XXXX XXXX. I called and explained that the bill looks to be for the full billed charges and does not show the correct payment and balance owed after medical insurance had been applied. I provided information on payments and insurance adjustments from 2018 and was told that they would research and call me back. I did not receive contact back. 

I then disputed the charges through the 3 credit credit bureaus. One was over turned and removed and the other two upheld stating they received verification of the debt from FFAM. 

I am now seeking help from a CFPB to review and help settle this incorrect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been scammed by this girl named XXXX XXXX i ask for investment i was told if I gave XXXX dollars I would get $ XXXX back but it didnt happen. I have been waiting for days even though I was told that the money would come back in 20- 30minutes which was obviously a lie. They also told me that I have to pay for state fee which XXXX dollars, that inwhich I also paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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