vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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. 

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

2. 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 2020-07-04 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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. 

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

2. 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 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I.Q. Data International reported unpaid debt to credit reporting agencies and also allowed public record of debt to occur. The unpaid debt is reported in the XXXX XXXX County Courts of XXXX with an eviction record with the amount of the unpaid debt. The court record was not removed by I.Q. International when the unpaid debt was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Nordstrom account was settled and paid in full in XXXX of 2020. Today I recieved a charge off on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: OR

Complaint narrative:
Through most of XXXX my XXXX  ( XXXX XXXX XXXX, registered in Delaware ) had a checking and savings account with Axos bank. The account was closed at the end of XXXX or beginning of XXXX and now I can no longer access the records online. 

I have been trying to get my XXXX, XXXX, and XXXX bank statements from Axos bank for a few months now and they wont send them. I need them for an impending financial audit which is critical to my business. 

On XXXX XXXX, I first called their customer service line ( XXXX ) and requested they send me my account statements in digital form for all of XXXX, XXXX, and XXXX for by business savings and checking accounts associated with XXXX XXXX XXXX. I was assured by their staff that it would be sent within a few business days in electronic form. I called again on XX/XX/XXXX and XXXX and both times was assured they would be sent electronically. Since then, I have also sent repeated messages via the secure message portal associated with the account. In each case I received a message assuring me the statements were on the way. In one case, someone said they had sent paper version but as I am not home and requested digital, these is of no help. 

I also sent the attached letter, which received no reply. 

To this date I have not received my statements and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: GreenSky, LLC
State: WI

Complaint narrative:
Filed a complaint with CFPB on XXXX complaint number XXXX. 
Complaint was for fraud wire transfer by a company. 

Company responded with its final answer exactly on the 60th day. 

The answer said they contacted me, they never did They also said they contacted the merchant when they could not have since the state of Wisconsin put them out of business for their part in this scheme. 

Then the second part of the response states that their fraud department is still working to resolve this matter. How can this matter be considered closed by.the CFPB? I have been going in circles with these people and they respond to the CFPB with this sort of answer and you just close the investigation? 
This matter is not resolved when the company clearly states it is still investigating the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Hi, This is in regards to my mortgage with Home Point Financial Corporation. They are misapplying payments and making me at fault that I'm behind on payments. This has been going on since XX/XX/2017 and still not resolved. I have reached out to the company and spoke to multiple agents, managers and in house collections and in house foreclosure but still not sure what the issue is. Per my knowledge, we should be current on the loan and I'm not missing any payments. I have all the back up documents that I can share as the proof. I will appreciate it if someone can please reach out to me in regards to this matter and help me resolve the issue. 
I can be reached at XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Soo my PayPal account has been permanently limited and it has funds on it. The funds that PayPal limit was gon na be used for bills due to COVID-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I worked for a company called XXXX XXXX , XXXX The company filed bankruptcy in XXXX and the bankruptcy was settled in XXXX. Attached is a copy of the filing. While I was an XXXX of the company, I did not make any personal guarantees on behalf of the company which was a public company with hundreds of shareholders, so I don't know why AMEX or their collection agency can assert that I should be responsible for this debt. It was the company 's debt, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was trying pay my uncle from a mobile app called XXXX, but mistakenly I wrote the wrong number and send it to somebody else. As soon I found out of my mistake, I called bank of America to tell them to cancel the transaction but they said it has to be processed first in order to cancel it. I waited 2 days and called back and filled the claim, and I also called the person and she said its not her fault there still XXXX people out there and that she needed the money anyways.

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 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I discovered Receivables Performance had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

It was deleted from my credit report XX/XX/2020 the collection company nor did XXXX  notify me to validate the debt nor did they notify within 5 days after the reinsertion I still havent received notification to this date. 

XXXX  just mailed me out a updated credit report and doesnt mention Receivables Performance 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 2020-07-04 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 {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -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 2020-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC
State: NV

Complaint narrative:
Lendup is in violation of FDIC XXXX UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY Reporting an installment loan, closed-end, unsecured loan as open following 120 days pst due. Per policy, Charge-off should have occurred on our about XX/XX/2016. Instead, 12 month installment note has been left open with 4 years of late payments ( 48 ). 

Attempts to dispute have gone without change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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 {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -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 2020-07-04 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 {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
trouble ticket # : XXXX Acct number : XXXX Card ending in XXXX XXXX XXXX XXXX On XX/XX/2020, I contacted MyVanilla customer service and reported several unathorized charges from a merchant called " XXXX XXXX XXXX. '' I MEVER got a notification that these charges were being made using my card, not one fraud alert, nothing. 
I was told that I needed to fill put a dispute form, which they did email me and I sent it back to them both via email and fax the very next day. A few days later I received a letter in the mail stating that my claim had been denied. 
HOWEVER, 2 days ago onXX/XX/XXXX the dispute team JUST NOW emailed me saying that they had now received my completed dispute form and that it would be reviewed by the dispute team. 

It had been more than 10 days and nonprovisoonal credit was issued and on top of that the information which they requested and I returned promptly, was not even reviewed. 
I contacted the merchant XXXX XXXX XXXX, myself and told them about the unauthorized charges, etc. And requested that they reduce some sort of identification, which I knew that they could NOT produce because I was not the one making the purchases on their gambling site. 
I have screenshots to prove everything that I am stating to be completely factual and accurate. 
Incomm/ myvanilla violated regulation E. Clearly. 

I have been the victim of fraud. 
I should be entitled to my funds that were stolen. 

During this pandemic, the worst time for this to happen, and it happened. 

Now the card issue refuses to rightfully return my money to me and I cant speak with anyone via customer service that can help me out by doing anything useful for my situation. 
I am SO stressed about this .... 
Please help me get my money back asap. 
I did not make these purchases. 
My card information was stolen, the merchant can not produce ANY proof that I made these lurchaes myself, the card issuer should have issued provisional credit, and XXXX should have actually read my completed dispute form which I sent to them promptly. I gave an explanation as to how I believe this happened, merchant communications, nd other details. 
This is not right or lawful. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX is in violation of FDIC 5000 UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY Reporting an installment loan, closed-end, unsecured loan as open following 120 days pst due. Per policy, Charge-off should have occurred on our about XX/XX/2016. Instead, 12 month installment note has been left open with 4 years of late payments ( 48 ). 

Attempts to dispute have gone without change.

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 2020-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See attatched Equifax Credit Report by XXXX XXXX. See attatched XXXX  Letters of Collection card # 1 XXXX XX/XX/XXXX, card # 2 XXXX XX/XX/XXXX, card # 3 XXXX XX/XX/XXXX. Kindly Note many replacement cards AFTER CALLING REPORTING FRAUD a new card was issued. Three different cards each provided each month I called to report. NOTE XXXX Provided NO ACCESS due to my XXXX   XXXX. I HAD NO OTHER OPTIONS XX/XX/XXXX. See attatched FTC ID THEFT case XXXX dated XX/XX/XXXX. XXXX  NO ACCESS NOT XXXX COMPLIANT. See attatched MAIL FRAUD DOCUMENTATION Criminal Investigation United States Postal Inspection XX/XX/XXXX Deliveries Not Made USPS. See attatched XX/XX/XXXX NOTE A DIFFERENT card # 4 CARD REPLACED DUE TO CALLS OF REPORT OF FRAUD.card XXXX NOTE ** Transactions Not eligible for credit NOT REPORTED TIMELY. OVER {$2000.00} NOTE months dates on letter ARE NOT PAST 60 DAYS. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX NOT PAST 60 DAYS. See attatched STATUES FOR ID THEFT. XXXX  Violates Federal Laws. XXXX  denied my claims and now wants to collect. My credit destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc.
State: NC

Complaint narrative:
This is a time bared debt as a resident of NC and still. The time bared debt period has long past the statue of limitations. This company continues to add XXXX $ per month, every month, to keep this debt active on the credit reporting bureaus.

Company response to consumer: Closed with explanation