vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

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

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -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 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've sent numerous letters to Transunion over the course of 60 days. I'm trying to get this junk off my report and no reply from Transunion that is violating my right with the FAIR CREDIT REPORTING ACT. 
I've never lived at any of the addresses or had any of the telephone numbers listed on my report. My family I owned a piece of land and has so since I could remember so them addresses need to be removed off my report. Inside the letters I sent included my ID my SS card and a bank statement confirming my identity

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 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was closing on my condo on XX/XX/2020. On XX/XX/XXXX I received an email from what I thought was my real estate agent saying I needed to wire transfer my closing funds to the title company. I was provided with instructions to wire the money to an account with the address of the title company and an individual 's name. My mortgage broker said this is normal and I could send the funds or wait a little longer. Thinking that I would get the overages back at closing I sent the funds. 
Upon closing I discovered that my funds were never received and I was unable to close. Chase bank never questioned the wire transfer or asked for a transaction number from the title company or even the title company 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.

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 2020-09-01 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: WA

Complaint narrative:
On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

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 2020-09-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if XXXX and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you

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 2020-09-01 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}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

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

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

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

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -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 2020-09-01 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}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

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

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

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

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC

Complaint narrative:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX  and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.

Complaint narrative:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX XXXX XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( Experian, XXXX and XXXX  ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, 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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Im a single mother of XXXX children & purchased my home in XXXX. I had never been late on a mortgage until last year when my car broke down and needed a new transmission. I was two months behind when a loan modification was pitched to me by a Wells Fargo home preservation specialist. 
I qualified for the modification after an extensive review in XXXX, XXXX. In XX/XX/XXXX, Wells Fargo reversed the decision and the two payments I made during my trial period were sent to escrow. I have in writing from WF that the decision was based on an error by a home preservation representative. ( I pleaded for them to listen to the phone calls ). I was advised by the attorney representing WF to reapply for modification and was told that was my only chance at saving my home so I complied and started the  process all over again. An email on XX/XX/XXXX stated a decision had been made. I couldnt not reach a home preservation rep once I got that email. Finally in XXXX, an executive mortgage specialist was able to contact with my home preservation specialist via three way call with me. He stated he moved my account into forbearance which I was unaware of. I did not consent nor request. That action suspended my modification review and a sales date was  set for XX/XX/XXXX. ( Forbearance period over XX/XX/XXXX ). I would have been blind-sighted by the sale. 
I was then denied for a modification in XXXX after providing everything WF requested. My children & I endured total strangers coming to my home inquiring about the sheriffs sale and my name was listed in the newspaper about the foreclosure-during a global pandemic. 
The sales date was moved to XX/XX/XXXX and most recently XXXX obtained photos of my home and the listing was updated with photos. ( Wells Fargo denies any involvement or responsibility for the pictures or listing on XXXX ). 
I have the money to now pay WF in full however I do not trust their actions and fear for the $ XXXX that was saved and also pulled from my 401k. ( During a pandemic ). My employer issued a no interest loan to cover what Im short in paying WF in full which contains countless attorney fees.

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 2020-09-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
An original letter was sent to the credit bureau in XXXX. I didn't receive a response so I entered a complaint on CFPB for XXXX. Bureau responded and asked for confirmation of identity. The requested information was submitted with the original request letter from XXXX as indicated in the letter from the credit bureau.The personal information on my credit report is still being inaccurately reported.

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 2020-09-01 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I currently have fraud on my Saks Mastercard account and upon contacting Saks i felt as if i was a criminal on my own account, i spent over 30 minutes on a phone call to report fraud to be interrogated as if i committed the fraud myself. I am completely beyond shocked at this type of experience. Then to be asked security questions that are public record to report fraud was an even more ridiculous question i was asked. I have no idea what Capital One thinks they are doing here but they need to remove these charges off my account. Then to have the nerve to tell me it takes two cycles to issue a temporary credit for FRAUD and have to make payments towards the fraud charges until they complete the investigation are you KIDDING me???? NO, capital one needs to remove these fraud charges off my account ASAP. FRAUD IS FRAUD my credit card was stolen along with many others and i want these charges removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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}, {$74.00}, {$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 ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 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