vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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 {$83.00}, {$81.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account. 

2. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -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 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute on Chime Bank ( XXXX  ) on XX/XX/2020 at XXXX onwards after that I got an email from on the same day that my dispute case was closed and there was no error at my end and they couldnt provide any credit to my account. as far as i know that the investigation takes 90 days but to qualify for the provisional credit they should investigate atleast 10 business days. I lost $ XXXX in unauthorized charge on my account and they just dumped my case like nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CA

Complaint narrative:
On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date. 
I called XXXX inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me within 72 hours ... Absolutely aero response I call into XXXX  in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 'XXXX mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!

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 2020-10-30 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: IN

Complaint narrative:
Lost my card was charged XXXX on XXXX for so.ething i didnt buy. They opened an investigation and almost immediately stated that no fraud was found and closed my investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I have tried on several occasions to get my mortgage company to report my payment to credit bureaus they have not reported payments since XX/XX/2020. They are not reporting on purpose because I am trying to refinance

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, XXXX, and Experian have yet to send ANY correspondence for my requests and completely ignored every letter.

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 2020-10-30 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: AR

Complaint narrative:
Experian Report # XXXX Account : XXXX/XXXX  Account # XXXX Amount {$3200.00} Upon discovering fraudulent activity on this account, I disputed this account with Experian. Due to the fraud activity on this account, it was never supposed to be report to any of the three credit agencies. I disputed this account in or around XX/XX/2020. The account came back as verified. For the past three months I have been reaching out to XXXX in an attempt to get a complete financial accounting of all transactions, payments, when the account was opened/closed, where the account was opened/closed and is a statement as to why the account show there is a balanced still owed on a charge off that is accruing interest. I sent a validation letter to XXXX on XX/XX/2020 and as of today XX/XX/2020 I have not received a response back from the company. XXXX has refused to validate the date and they have refused to provide me documentation related to the account they are charging me for. 
On XX/XX/2020 around XXXX XXXX, I spoke with XXXX via telephone from Experian. I questioned him as to why a fraudulent and unverified account remained on my personal credit report. XXXX informed me that XXXX varied the account by mean on an electronic notification. He stated that XXXX did not provide any tangible documentation, they simply pushed a button and stated the account was correct. I asked for more information and requested that the account be reinvestigated. XXXX informed me that if I wanted an investigation on any items on my credit report, I would need to go to the police station, file a police report, list each item individually, and send a copy of the report to Experian either by mail, fax, or upload it. He then provided me with the fax number, mailing address and directions as to how to upload the police report that he told me I need to go file. I asked for the account number on the account and information as to who was collecting the debt. XXXX stated that he could not provide me that information for security reasons. This account is not being handled correctly and I do not think XXXX from Experian should be providing me legal advice. Also do not understand how Experian can legally keep a fraudulent and unverified item on my credit report. Lastly, I do not understand how legally, Experian can refuse to dispute an account on credit report with me following the directions of their legal advice.

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 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I applied and was accepted for a loan from XXXX XXXX. I have the E-Mail confirmation and terms. I lost my job and I am going through legal troubles because of my ex who moved out. The loan was for {$10000.00}. It was supposed to arrive in my account at XXXX XXXX XX/XX/2020. USAA Bank randomly locked me out of my account as I suspect they saw a large amount of money coming in. I was prompted with a phone number to call and clear up any issues. I attempted to do this and the USAA rep told me my account was being investigated for fraud. I immediately became enraged as I had {$2.00} in my checking account and needed to transfer the only {$20.00} in my savings which was supposed to be TOWARDS RENT to my checking account so I could go buy food. Instead USAA froze my Online and Phone access and blocked my phone number from calling their service. Now I am stuck at home with no access to MY bank account where my only {$22.00} and hopefully an incoming loan, if the timing that the loan officer described was correct. Now I have to sit and worry about USAA trying to mess with or take my money from a loan. This is not the first time I have seen a bank do this. If I remember correctly, XXXX XXXX did this and later I got money from a lawsuit because of it. Also XXXX XXXX XXXX in similar but different circumstance with their data charges and rates. Thank you for your help for as the at the moment I am defenseless and fighting for my money to get food. I am going to try to remember to apply for food stamps tonight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient on your nine page Federal Family Education Loan Program ( FFLEP ) Federal Consolidation Loan Application and Promissory Note dated XX/XX/2004 contract why is no Guarantor, Program, or Lender Identification on it for promise to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP.

There are several items on my credit report that are reporting inaccurately and they should be removed.

TransUnion, XXXX, and XXXX have yet to send ANY correspondence for my requests and completely ignored every letter.

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. 

There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, Equifax, and XXXX  have yet to send ANY correspondence for my requests and completely ignored every letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: MO

Complaint narrative:
Every since my identity been compromised i been living an nightmare via my credit file. There's unauthorized accounts on my file, inwhich although closed now it's still part of my file. The over all problem here is that these accounts do not belong to me, therefore I'm demanding that they are removed. 

1. XXXX XXXX XXXX  2. XXXX XXXX 3. 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 2020-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
The company XXXX XXXX finance vehicle through Gm financial and they have been a constant pain to work with they have constantly repossess my vehicle. Maybe possess my car more than needed and Im constantly having to pay large amounts of money to return my vehicle back into my possession and its not fair to me or my family that we currently have a vehicle taken off without any notification that the vehicle was repossessed somewhere the company needs to be made to properly notify consumers that they will be taking a vehicle back into the custody the person that told me I could never do it on your door never even said anything at all just took off with a vehicle and it sounds like they had cross the vehicle in the back and hit it hard. And I didnt know that it was my vehicle being told I thought it was just a sweet street to come in to cleaning up the leaves off the street like they did last week here come to find out my vehicle got towed from a unknown area and theres no reason for it every time we did this I had to call the police and reported it stolen because it wasnt fair to me if they didnt give me five notice that they were going to be taking my vehicle back even though my vehicle was him lease was out XX/XX/XXXX ask you should I had enough time to settle my account with the dealership and would you and financials will be in dealer sales will sit down And the lines were busy and they never did answer the phone so now they had a vehicle back in the position and its still defective and Im trying to see if they can either replace all my money or place me in a different vehicle because theres some food in me that I had to constantly be in the service department for this vehicle all XXXX four years of rent in this vehicle or three years and is continuously defective it constantly has to have repairs I just spent {$400.00} on it before they roof assessed it also made a payment I actually close to {$800.00} on this vehicle so Im trying to trying to see if the dealership or GM financial can return all my money that I have paid in to the XXXX XXXX  XXXX because the car had a recall her and it was also defective also feel like they get over on me on the cost of towing and storage they took my vehicle to follow locations and I had to call for a ride to get my vehicle back in my position in the field would not return the vehicle back to me after I have paid all the money and I just I just want them to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
I am doing my own disputes. When I contacted them, I told them I hsd sent in disputes for all companies. Nobody heard me, I think I was talking to a robot. They filed disputes again which mines were delayed but one went through that I. I. I. had disputed. I told them about the bankruptcy. Tols them I wasnt interested in XXXX. Still charged. Its been over 45 days and I have heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has 4 students loans on my report I have never even got a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I routed money to the card, once money was deposited to the card the company place a hold on the funds and a freeze limiting the normal uses usually available for the average card user. This is the second time that the company has taken such measures for the same reason ; reason being suspicious activity in which there is no logical suspicious activity. I presented the company with the name of the sender, the reason the money was sent to the card, my identification documents, and identifying documents for the payment method used. The company remains unresponsive and initial gave no fair reasons as to why such methods was placed. These actions are unfounded and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Our mortgage servicing was assumed by Shellpoint Mortgage Servicing earlier this year. Upon receiving a statement, there was an additional {$2400.00} owed that was never on our account from the previous servicer. Shellpoint state this is a bankruptcy attorney fee. We have not filed for bankruptcy since 2006. The servicer at that time was XXXX. When we filed, we reaffirmed our mortgage. XXXX agreed to forgive all legal fees involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new checking and savings account with Sun Trust Bank ( big mistake ). I have never used the account, but set up a direct deposit from to hit it. Out of the blue today, when trying to get a debit card, I was told my account is being closed. My paycheck is sitting in the account for as long as they feel like keeping it, and I am unable to pay my bills. I work hard, and this bank is literally putting my housing at risk. It's disgusting. I can not even log in to the online banking site to access information. I'm distraught. Please help 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