vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

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 and 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 XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: AK

Complaint narrative:
I am trying to refinance my home. I contacted a bank, they pulled a XXXX report. On the equifax report there is a name not mine but showing up with my social security number that has a past due acct and a collection report. Neither of which are my accounts. this has negatively impacted my credit score and is causing me great difficulty. 
there is an account with XXXX XXXX acct # XXXX the ammount is {$1600.00} It was past due on XX/XX/2019 there is an acct in collection under the name of XXXX XXXX acct # XXXX for {$530.00} dated XX/XX/2019 I repeat neither of these debts are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EQUIFAX HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EQUIFAX HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Equifax Mortgage Ser   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX Inquiry from XXXX  XXXX, XXXX Services, Not Elsewhere XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Automoti Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New Equifax Mortgage Sol Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be 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 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/2019 I made a regular mortgage payment plus additional principal paydown ( {$1300.00} + XXXX = {$3000.00} ). I have been doing this for the previous 14 months. The company ( Pennymac USA ) treated it as two monthly payments ( XXXX and XXXX ) and put {$200.00} as a principal reduction. 

When I discovered this on XX/XX/2019, I called and wrote to them telling them that it was supposed to be XXXX monthly payment not two. They said that they would take care of it. 

I called back on XX/XX/2019 and asked why it hadn't been adjusted. They advised that they would put in another request to have it adjusted. 

With nothing done, I repeated called every few days and was always told that it was being worked on, but nothing was adjusted. 

On XX/XX/XXXX, I made my XXXX payment plus principal reduction ( {$1300.00} + {$1100.00} = {$2500.00} ). The company treated this as a XXXX payment, charging me the wrong interest. Again, I called and advised and was told this would be corrected. 

On XX/XX/XXXX, I filed a complaint with the Better Business Bureau. 

I was then contacted by XXXX XXXX at Pennymac in their complaint department. I explained the situation and was assured that he would take care of this matter. 

They then tried to fix the problem but applied my XXXX additional principal paydown in XXXX, resulting in them charging me too much interest. 

I spoke to XXXX regarding this matter and he agreed they erred and would fix this. 

On XX/XX/XXXX, they removed my principal paydown from XXXX, regular payment from XXXX, and principal paydown from XXXX, which now shows that I am in default for not making a XXXX payment, plus no principal paydown. 

I called XXXX and advised. He said " Senior Management '' was working on it and it would be resolved by XX/XX/XXXX. 

Nothing has been done as of today, XX/XX/2019 and I am receiving daily collection calls asking for a XXXX payment. 

I called both Customer Service and XXXX ( Complaint Department ) on XX/XX/XXXX and XX/XX/XXXX with no results. 

As the result of getting another collection call from Pennymac USA today, I fear that they will default my loan and also keep the money that was to be for an XX/XX/2019 paydown, as well as a XX/XX/2019 payment and XX/XX/2019 paydown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO  REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EXPERIAN HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Services, Not Elsewhere XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
The company reported to my personal report for a business account and also added inquiries for the business on my personal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Every time I do a deferment they tell me one thing and when I call back its something different Also I question them on my loan to go somewhere else to get a better loan they put wrong information on my credit report when I have all the payments I made they did that after they found out I wanted to get away from the fraudulent company I read their reviews and all that was explained on review I am going through the sand thing lied and said I was late 4 months straight when I have my payments for each month I will send proof

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 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I visited a Chase branch for my direct deposit information on XX/XX/2019. The branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. A chase representative by the name of XXXX XXXX printed out the information. The very next day, I provided the information to my employer not knowing the account information was incorrect. A few weeks later when it was time for me get my check, I was notified by my employer the reason for non-payment in the amount of {$380.00} via XXXX XXXX, the bank account information provided to me by my bank was actually someone else account number. I immediately called chase to file a claim on XX/XX/2019 with the claims department the representative advised me the claim would take anywhere between 1-2 business days to complete.I called chase bank back on Tuesday, XX/XX/XXXX for an update- during that call I was told I needed a letter of indemnity. I asked for a manager while on the call and was denied the opportunity to speak to a manager due to ( the manager was in a meeting per the employee ). My employer sent the letter for the claim number that was provided via the claims department. On XX/XX/2019 my employer attempted to void the deposited payment. However, Chase deposited the funds in the wrong account number and was not compliant when my employer kicked the funds back. 

After the letter was sent I spoke to the claims department again on XXXX XXXX the and was transferred to a representative from the ACH department who informed me the letter of indemnity was not received by my employer. That was incorrect because my employer sent the information to me. The representative informed me the letter had to be sent from the original bank of the company I worked for ). As requested, I reached out to my employer to have the payroll department to reach out to the original bank, " XXXX '' that was completed on my behalf. 

Shortly after I felt as if I was not being heard and was no important because the amount was such a small amount to a company such as Chase. I have tried on numerous occasions to obtain my funds from Chase and be compliant. I have provided Chase with everything they asked of me and here it is XX/XX/XXXX ( 5 months later ) I still have not received my funds. Attached below is the letter of indemnity that was sent to Chase from my employer. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I have an account from CREDENCE RESOURCE MANAGE # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have got credit cards from other companies that gives me more than twice the limit AMEX provides me with. But I still use Amex credit card at all times. So I would expect to get appropriate customer service from Amex if and when I call Amex. I called AMEX from XXXX on XX/XX/19. The customer service representative was XXXX, ID XXXX. The representative refused to provide service to me over the phone. Listen to that call and get back to me with the either resolution I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019 I went to this doctor in XXXX NJ for a service that cost XXXX dollars. I m extremely unhappy with the zero results! The results didnt meet my expectations and what I was promised. On XX/XX/2019 I opened a dispute case with capital one Mastercard and submitted all the documents including the second opinion letter as they requested, however ; only the XXXX dollars transaction was credited to me and not both. Capital one claims I was missing a second opinion letter for the second dispute and it has been denied. I dont understand this because both transactions are for one service and by one merchant why credit a portion and not the whole amount. 
Please help and thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Applied for a Bank of America credit card and was told there would not be a deposit fee, after signing up they deducted XXXX  dollars from my account for a security deposit. None of these fees were made aware to me. I called them to get my money back and close the account they read me a non disclosure agreement and told me it was closed. Furthermore I would have to wait 14-21 days for my refund. At the end of that time period I did not receive my refund so I called again and they told me the account had never been closed. As of XX/XX/19 I have called again and have to wait a further 14-21 days for confirmation

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has taken over the credit monitoring function from XXXX XXXX XXXX XXXX a very ethical firm, catering to military personnel.. As soon as the transfer was completed, I was placed in to a paid service which was never ordered and it took three demands to be removed from the scam. We are harrassed by daily solicitations for phony products and my three attempts for " opting out '' have been ignored. An attempt to cease have been fruitless. Discussion with call-center agents and a supervisor ended in long waits and abusive reaction. A phone request to speak with Customer Service at the California headquarters resulted in being transfered to an " agent '' in XXXX XXXX, who had no understanding of my problems. This corporation was fined {$3.00} Milliion by  CFPB in 2017 for similar fraudulent actions and there has apparently been no improvement in policies since then.

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 2019-11-27 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: OH

Complaint narrative:
I have an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX  XXXX  XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

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 2019-11-27 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 {$21000.00}, {$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 and 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 ). 

1. XXXX XXXX XXXX XXXX  with ACCT # XXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account. 

2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -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