vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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 {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ResidentCollect, Inc.
State: SC

Complaint narrative:
On XXXX XXXX at approximately XXXX, a male representative from Innovative Recovery Inc with a foreign accent decided to use only my birthday to verify it was actually " me '' he was talking to, stating my balance owed, the original balance, and whatever else that was listed on my account, not knowing it was actually my friend who had called to make a payment. After the male representative learned that it was not me who he was talking to, he stated he had to end the call immediately. So basically, this company isn't teaching their employees how to properly verify their consumer 's information. It's obvious that this company is teaching their employees to use only one piece of information to verify the rightful account owner. I have since disputed this account to be deleted for violation of the FCRA. Ever since XXXX, when I first made a payment, I have asked to be sent a copy of my contract with my wet signature upon it, displaying my balance and confirmation of payments. I have also requested proof of their license to collect debt and XXXX stated they don't provide copies of licenses to the consumer. I also asked to be sent an official letter with their letterhead attached, stating they would delete this account if I paid it off. XXXX insisted they only send letters once the balance is paid in full. It is XXXX and I have not received anything yet. This company is a straight scam and I would like a refund of my payments. I am not allowing this violation of my consumer rights and privacy to slip away. Thus company is too focused on receiving payments, they don't care who calls in to actually make the payment. Something needs to be done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I obtained a copy of my Experian credit report it showed that a bankruptcy was on my personal report that was filed in a court in XXXX NY in XXXX of XXXX. I tried to drive to this courthouse and was told that it no longer exists and has not for decades.I then tried to call the phone number for the courthouse listed on my Experian credit report which is a XXXX area code and was informed that the number I dialed was in XXXX, XXXX.On XX/XX/XXXX I sent Experian a certified letter explaining the errors on my report but to my shock and dismay they claimed to have verified this false information. I then sent them a follow up letter on XX/XX/XXXX requesting how they veried the information with the courthouse. They responded that they did not verify the info thru the court but thru a 3rd party called XXXX XXXX.I have had a security freeze on my XXXX XXXX account since XX/XX/XXXX so it would have been impossible for Experian to verify anything with them.Experian lied to me and violated FCRA laws.I sent Experian a letter on XX/XX/XXXX explaining to them the laws which they had violated. I also called them on XX/XX/XXXX at XXXX and was placed on hold for 47 minutes when I did reach a representative I was asked several questions to identify who I was, but when I asked her questions about Experian 's FCRA violations against me, she cursed at me and hung up.I have exhausted every XXXX XXXX to get Experian to resolve this issue to no avail and that is why I am forced to file a complaint against them.

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 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a qvc and hsn installment loan open in my name.

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 2020-10-05 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Im am working with the XXXX XXXX, i have worked with XXXX XXXX  as well and they have tried to dispute this item with no luck. I have filed identification theft and no one had got back to me from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This Company calls repeatedly, every hour or so, on Sunday 's and very aggressive. I advised debt collector to not call me anymore because she knew what she was doing was not correct, she was calling constantly - 4 times already in a day, call after call and on a Sunday.

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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
THE XXXX XXXX XXXX {$420.00} has been disputed by me for years and I was I told 3 months ago that it was sold to NATIONAL CREDIT ADJUSTERS which flagged my account as Collections on XX/XX/2020. 

I never received a statements and when Ive called to find out the information on the account, the name that they have listed isnt mine nor is my social accurate. Ive called the card company and was told it was charged off 2 years ago, and now I get an alert today saying now, the account is in collection. Ive disputed this amount and account with XXXX, XXXX, and XXXX, and they referred me over to FTC. I have worked hard in building my credit and this inaccuracies has brought my score down drastically. The account is on my report twice. One as a charge off and now as in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We have a dispute with our mortgage company, PHH MORTGAGE SERVICES ( PHH ). We contacted PHH in either XXXX or XXXX and requested 3 months XXXX XXXX, XXXX, XXXX XXXX mortgage forbearance and it was granted. Thus, in XXXX we began paying our mortgage but only noticed in XXXX that it stated that our loan was delinquent. We contacted PHH mortgage and was told that our mortgage was deferred for three months and in XXXX we are expected to pay the 3 months mortgage {$5100.00} XXXX XXXX X XXXX ). We are now dumfounded by this illogical demand. The customer service representative then suggested the XXXX can be repaid over the next 6 months by paying an additional {$860.00} each month. We are totally unable to do so. 
PHH states on their website If you have been affected by the Coronavirus ( Covid-19 ) we will help you through this difficult times. Helping homeowners is What We Do. Knowing our income was being drastically reduced, we also contacted other financial institutions ( XXXX, XXXX XXXX, and XXXX XXXX Mortgage ) that granted us forbearances until XXXX and extended our loans by XXXX months. Our main income comes from veterans benefits, and our children ; both children became unemployed early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: DE

Complaint narrative:
Hi my us Bankreliacard was locked I Called 100x Times was Told to verify my identity I Did I uploaded document and I was told wait 24-48 hours I have wait 5 days and my card is still on hold

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 2020-10-05 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.

-- CLOSED ACCOUNT 1. 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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.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 2020-10-05 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.

-- CLOSED ACCOUNT 1. 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 2020-10-05 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 ( 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 ACCOUNT 1. 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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
After unlocking my credit report for past fraudulent activity I received a alert from my credit monitoring service with XXXX  stating that I have a new collection reported to my credit report without my knowledge of this fraudulent debt from Sequium asset solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, I file a complaint with the Consumer Financial Protection Bureau ( Complaint Number XXXX ) concerning my closed credit card account with Capital One Bank. On XX/XX/2020, XXXX XXXX notified me that Capital One filed a negative report with XXXX and has reported me to a collections agency. Today 's date, I filed a dispute with XXXX. 

Rather than trying to resolve my dispute, Capital One has taken adverse action against my credit rating in retaliation for the complaint I filed with the Consumer Financial Protection Bureau on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
YOUR ABOVE SELECTION CHOICES DID NOT PRETAIN TO MY PROBLEM SO I SELECTED THE CLOSEST SO I COULD PROCEED WITH MY COMPLAINT Sick and tired of my local wells Fargo ATM not being properly maintained and serviced, I have filed several complaints about this but no one makes the bank properly service their machine located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Last night and again tonight I arrived at the atm with a lot of cash that I do not want to carry around. Its potentially dangerous. The machine states it is " currently not accepting deposits '' This has occurred numerous times in the past as well as the machine not being able to transact any business. Also the machine continually rejects perfectly good bills and deposits must be done multiple times. 

They can solve this problem by putting in a modern machine but obviously they choose not to and instead inconvenience the customer. 

I would like a copy of the service records for this machine so I may provide it to my elected Federal Representatives. I'm sick and tired of being inconvenienced and wont take it anymore. They have my money in their bank and pay nothing for it, they are not required to provide basic service to the customer.

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 2020-10-05 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: HI

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. 

-- REAL ESTATE LOAN 1. 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