vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-08-11 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX and Experian wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!

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 2020-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I obtained a Home Equity Line of Credit ( HELOC ) with Quicken Loans in XXXX of 2013. The equity line was originated as a 2nd loan behind our 1st mortgage. At that time, our loan balance on our 1st mortgage was {$500000.00} with an interest rate of 3.625 %. 

We are now in the process of refinancing our 1st mortgage at a lower dollar amount {$420000.00} ( NO cash out ) with a 2.75 % interest rate and the loan has been approved and the lender is ready to issue loan documents. Unfortunately, Quicken loans is not cooperating and practicing unethical and very likely unlawful business practices. 

I am attaching the email received directly from Quicken. In order to refinance the 1st mortgage, Quicken has to agree to STAY in 2nd position as they have been for the last 7 years since the origination of the HELOC. Quicken is stating that they will not " subordinate '' any longer unless you use a Quicken or XXXX XXXX 1st mortgage. My understanding is that XXXX and Quicken have an affiliated business relationship as our mortgage originator for the HELOC in 2013 was a XXXX XXXX employee. 

That said, this seems like an obvious RESPA violation. Quicken is  steering the consumer to using ONLY their loan products by holding the subordination requests hostage. I would understand if the HELOC on our residence was in 1st position, but this is NOT the case. They have always been junior to the 1st mortgage. I believe these unethical business practices will cause great harm to the consumer. I am trying to lower my monthly obligations by reducing my interest rate without incurring any more debt on the house. It's simply a rate and term refi which also lessens the risk to XXXX by allowing me, as the consumer, to lower my interest rate on my 1st mortgage and lower my payments, substantially, without incurring any additional debt! 

My wife and I have excellent credit and more income now then we made upon the origination of the HELOC. There is no logical reason for Quicken to hold the subordination request hostage. 

Given Quicken loans is one of the largest residential home lenders in the country, these business practices of steering the consumer could have catastrophic financial implications for consumers across the country and if Quicken is allowed to continue operating this way, gives them an unfair and unethical business advantage over their competition. Either scenario is bad for consumers and just bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX woke the debt to a company. There phone number is XXXX XXXX XXXX XXXX. They left messages on my phone and two of my family members phone saying that they have certified documents for me. I have the recorded message. The debt is {$200.00} and I am working with the original creditor. This company is impersonating as a legal entity and in violation of the law. I called and they refused to remove my number from their system even after I stated that I was working with the original creditor. I have no idea the name of the company and only know that their number is XXXX XXXX XXXX XXXX. I have a copy of the voicemail if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Can not link pnc to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been reaching out and requesting my {$500.00} deposit back since XXXX of this year. I first made this {$500.00} deposit on XX/XX/XXXX and never received my card, after calling repeatedly, and confirming my address every time and having the representative read it back. I waited the 3 business cycles after giving up and requesting my account to be closed due to completely loosing my trust company. It is now XX/XX/XXXX and still no deposit back. I called today and spoke with a XXXX who informed me that the check was mailed on XX/XX/XXXX, a month ago and still nothing has received. XXXX informed me he would file a complaint on my behalf and told me to reach out in 5-7 BD to check on the status. I just do not understand why this is not being sent with a tracking number that can be provided to me so I may track it myself.

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 2020-08-11 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-08-11 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: OH

Complaint narrative:
Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX 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 2020-08-11 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 {$250.00}. 
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 ) --  COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -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 2020-08-11 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-11 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 {$250.00}. 
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 ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$250.00} -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 2020-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
XX/XX/2020 I noticed I had no money on my eppicard XXXX  XXXX card I was advise. A employee from the bank that hold the XXXX  account from XXXX till around XXXX XXXX whom was taking XXXX XXXX etc ... and an company that doesn't exist by the name of XXXX  who was taking was XXXX + XXXX etc ... .numerous of times all payments were unauthorized eepicard card holds sent dispute out said I would have my money in 10dYs no in the dispute office never answer an I get charged XXXXforevety call I call a total of 7 times plus stat in the phone for 2 hrs everything them they would hang up now they sayn letter never received so I had to fax a written dispute still have got my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express first issued a credit for the dispute and then clawing it back the credit for IN BREACH of own policies. American Express must accept full responsibility for its dodging tactics and not timely passing of information to Merchant.

Point 1. American Express did not provide any information for that and the following behaviour : I have submitted a valid dispute on XXXX XXXX XXXX ( XXXX ) which was closed in under 24 hours without giving a chance to upload. I have called and opened a subsequent dispute XX/XX/XXXX XX/XX/XXXX. I have uploaded all supporting documentation XX/XX/2020 ( XXXX ) and re-uploaded XX/XX/XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ). AMEX REPRESENTATIVES ON THE PHONE CONFIRMED TO ME THAT THEY SEE DOCUMENTS UPLOADED ( I CALLED TO FOLLOW UP AFTER 24HOURS ), HOWEVER AMEX DISPUTES TEAM KEPT SENDING MESSAGES THAT THEY HAVE NOT RECEIVED ANY DOCUMENTS. The outcome of billing investigation was simply a dodging response that American Express not received documents. 

Point 2. I have been lied and misinformed by American Express representatives that the dispute is aged and therefore, closed. I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date XXXX XXXX XXXX  processed the Transaction ). The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. 

Point 3. The Merchant ( XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX is XXXX XXXX XXXX and under EC Regulation 261 it is illegal to withhold a full cash refund. The XXXX XXXX XXXX guidelines for COVID-19 situation were repeated in Communication Ref C ( 2020 ) 1830. It continues to be illegal to withhold any money as refund penalties for this forced cancellation. It was illegal to force customers to apply for vouchers only on the airline own website. I do not accept a meagre {$640.00} credit from the Merchant. The airline was unable to service the reservation altogether and was not possible to reach in XXXX XXXX  ( call centre closed, airport counters refusing to help ). The airline did not respond to several of my complaint tickets raised on their own website ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-11 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX   XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} EQUIFAX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX  XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX XXXX {$4000.00} XXXX  XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: PA

Complaint narrative:
I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.

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