vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-07 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 {$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. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, 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 2020-06-07 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 {$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. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 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 2020-06-07 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: HI

Complaint narrative:
I have made two separate complaints to XXXX  and Equifax about information being reported twice from the XXXX XXXX  since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with XXXX, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted XXXX XXXX  and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My account can not connect to XXXX XXXX, XXXX, XXXX XXXX. Why are these restrictions on my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-07 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: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Please note I have closed my credit card XXXX XXXX XXXX MASTER CARD back on XX/XX/2020 by calling customer service then called again on XX/XX/2020 and also sent an online contact us feedback form to have it closed. There was an annual fee of {$99.00} charged on XX/XX/2020. You are given 60 days within the fee being accessed to close the card and have the fee refunded. When I called they confirmed account closure as well as fee of {$99.00} reimbursement. To this day i still havent received my refund as promissed and the amount got deducted feom my bank account. 

The comoany committed a fraud. 
Please help me resolve this issue with the XXXX XXXX XXXX Master Card. 

Thank you very much, XXXX XXXX XXXX. XXXX  XXXX XXXX, ME 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 monetary relief
Consumer complaint received 2020-06-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-07 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: FL

Complaint narrative:
Experian, XXXX  and XXXX  have been persistently displaying mischievous and malicious information on my credit profile for a long time hence damaging my credit worthiness. I do not have a serious delinquency record and this is persistently being reported to both soft and hard inquiry lenders. This is truly damaging my credit status and reliability as a good credit customer. I am faithfully paying all my bills and not behind but these three agencies are frivolously reporting malicious delinquency data to prospective lenders thus providing a very negative reflection of my credit worthiness. I strongly recommend to order these agencies to remove frivolous and incorrect information data from their data for the love of Fair Credit Reporting and restore my rights under constitution.

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 2020-06-07 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: FL

Complaint narrative:
I sent a document to Experian showing that negative items XXXX  on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report. 
This is my 2nd report to CFPB. The last one is now closed by CFPB complaint # XXXX and is not resolved. Experian stated back in XXXX that this was removed from my credit report but it has not. In my feedback, I stated it still was not removed and as of XX/XX/2020 this still remains.

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 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MI

Complaint narrative:
I have a cash app account with Square inc and my account has been blocked or frozen I cant remove my cash or transfer it. I Have emailed the company several times with no response. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am trying to link my account and it is not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I dispute and request investigation with late payment reported by Barclay. On the billing cyle for XX/XX/2020, I called Barclay on XX/XX/2020 and requested a payment deferment due to the Covid19 pandemic. Barclay agreed to defer my monthly payment with no late fees or late payment reporting. In the process of home, refinancing my lender notified me of the late payment reporting. I request from Barclay. 
I want Barclay to honor their payment deferment, and to remove from my credit report the late payment reporting. I can be reached at XXXX. Please feel free to call me with any questions.

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 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a grill on XX/XX/2020 from XXXX, when I purchased it, the return policy stated that I have 30 days to return. The grill is broken and can not be used and I tried to return it within the 30 days and they said they are not accepting returns. I disputed the charge Witt suntrust because that is false advertising and misleading and lying to people so they buy stuff. Suntrust said there was no errors in that transaction and that it is valid. How did they come to that conclusion? Was my original dispute with them even read? Suntrust failed to investigate my claim.

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 2020-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldridge PIte Haan, LLP
State: AL

Complaint narrative:
This account is not my account or a debt that I owe. It doesnt show up with other credit bureaus only XXXX. Ive settled one debt with them already which they threatened to sue me and tried to serve me papers if I didnt set up a payment plan with them. They have never mentioned this other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
National Credit Adjusters ( NCA ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX  XXXX XXXX/Collections for an original debt with a vendor named XXXX XXXX. 
Back about 3 months ago, the XXXX XXXX/XXXX XXXX collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the XXXX XXXX issue was resolved with its collections removal. 
For NCA now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: KY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX XXXX XXXX/Collections for an original debt with a vendor named Speedy Cash. 
Back about 3 months ago, the XXXX XXXX/Speedy Cash collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the Speedy Cash issue was resolved with its collections removal. 
For XXXX now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I never missed a payment

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 2020-06-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to Transunion on XX/XX/2020. I did not receive a response until XX/XX/2020.

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 2020-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Trying to use XXXX and it says I can not link my PNC account to pay someone. I've used this a hundred times and now not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX After getting XXXX  lost my debit card and I called Bluebird express to report card lost and get replacement card they said to expect card by XX/XX/XXXX then when I called back they my account was restricted? On XX/XX/XXXX My Va XXXX someone use all of it up I call back and They wasn't accept called check my balance XXXX XXXX gone XX/XX/XXXX same things.I write them and ask they closed my account? They did not I send a cancel Direct Deposit Va it just got process XX/XX/XXXX money was send XX/XX/XXXX I lost 3 Checks XXXX my only source of income.Bluebird is a company of America Express Pre Pay Card ripped me off of 3 checks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: TN

Complaint narrative:
Back in XX/XX/XXXX, I started to pay for a XXXX trip with XXXX. I finished paying for it in XXXX. Unfortunately in XXXX XXXX stopped operations and cancelled all trips without refunds. They told people to contact their banks for refund. XX/XX/XXXX I contacted my bank XXXX and was told it wouldnt be a problem to do the dispute at first and later was transferred to someone else and told it can not be done. I cant contact the merchant at all. I have trusted XXXX to help me but they refused numerous times. I dont believe they have done all they could for me because i know if it was them or a family member who lost their money with a company they would fight to get it back. I still dont understand why im not protected from this transaction when i cant reach the merchant and have lost {$1000.00} when I have no product or services. I feel like that transaction was FRAUD. I have seen numerous people get their money back from XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I tried to get quotes for refinance with Quicken on XX/XX/XXXX from a person names XXXX XXXX. 
I had asked if they would provide an improved pricing for bringing in a few mortgages. He reassured me, on a recorded line, that they would absolutely provide additional discounts for bringing in a few mortgages, and I only need to start the application and he needs to run a credit check. 
After providing all the information I discovered that I was lied to and in fact there was no discount on the mortgage rate and there was never an intention to provide an additional discount for refinancing multiple mortgages. 
I tried to resolve this with Quicken leadership however they failed to acknowledge what was done. They refused to provide me with a recording of the calls even though they acknowledged that they were recorded. 
They are clearly covering up for this fraudulent act and are refusing to take responsibility for this. 
Especially since XXXX lenders need to be honest and upfront with their customers and not lie just to " hook them '' to get mortgages from them. 
What happened with this guy XXXX was clear fraud just to get me to apply with quicken so he can get his commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
TO WHOM IT MAY CONCERN PLEASE DISPUTE MY CREDITOR NAME OF CREDIT ACCEPTANCE CROP. AUTO BROKER AND XXXX XXXX FORCED ME SIGEN FOR PURCHASED. I NOT WANT TO SIGN. THERE MESSY NOW. XXXX XXXX RIP OFF MY CREDIT. HE TOOK VEHCILE AND MOVING IN MINNESOTA. HE PLAY ALLMY MIND BECAUSE OF IM XXXX XXXX XXXX. HE JUST USED MY CREDIT THEN TOOK VEHCILE. HE MAKE MY CREDIT BAD. I WANT REMOVE OFF MY NAME. SO HE HAVE TO REFIANCE LOAN AUTO BY HIMSELF. HE DONT HAVE A JOB. HE COULDNT PAYMENT NOTE VEHICLE. ACCOUNT NUMBER # XXXX AT CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, MI 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 2020-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation
State: VA

Complaint narrative:
To whom it may concern : This account was charged under my bankruptcy. Attached below shows the original debt under my bankruptcy.

Company response to consumer: Closed with explanation