vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been dealing with this nonsense since XX/XX/2020. XXXX fraudulently charged my account for the amount of {$130.00} ( or whatever XXXX times 2 is ) I have proven to my bank BOA through photos from shipping company, photos taken within my HIGHLY secured building signed by management and dated, reports from police, Postal Inspector mail identity theft reports and Postal Inspector crime reports, reports with the XXXX XXXX XXXX and the fact I have a name XXXX XXXX of which there are over 19 email correspondence with that they know they have fraudulently charged me. They know they are illegally holding my money but they absolutely refuse to give me my money unless I drop all charges against them. Which I will not do and it is illegal for them to even demand that.

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 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
XXXX GOT CALL FROM A XXXX XXXX OFFER ME A LOAN FOR XXXX GAVE ME ACOUNT NUMBER XX/XX/XXXX PHONE XXXX TO HIS MANAGER XXXX XXXX XXXX HE CALLED ME BACK XX/XX/20 SAID TO SET UP XXXX  XXXX ACCOUNT TO DEPOSIT XXXX FIRST PAYMENT AS I WAS NEW FOR THE APPROVAL SEND ME A CONTACT WAS LACKING A LOT OF DETAILS AND SAID THE LOAN WOULD BE IN MY ACCOUNT, SAID THERE WAS PROBLEM WITH MY ACCOUNT ON MY BANK THERE NO PROBLEM HE DID NOT DO THE DEPOSIT WAS THE PROBLEM. HE SAID THAT THE LOAN WAS A TAX AS HE IS IN NEW YORK I AM IN KY THERE IS A XXXX TAX SENT XXXX AND XXXX XXXX FEE TO GET MY XXXX BACK THEN SAID THAT WIRE XXXX THAT THE TRANSATION ON XXXX XXXX WAS XXXX THEN TOLD HIM FORGET THE XXXX AND HE SAID JUST PAY XXXX AND WILL DO THE DEPOSIT AFTER PAYING XXXX WAS NOT GOING TO PAY ANOTHER DIME AND REFUSING A REFUND THAT DID WANT THE LOAN. HE IS LIED AND DP WANT HIS LOAN NEED TO REFUND ME HE HAS LIED TO ME AND THE CONTRACT IS LACKING IN DETAIL

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 2020-10-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a letter via mail on XX/XX/2020 regarding inaccurate information on my credit report. This a clear violation of FCRA this report contains medical information with is a violation of my privacy. I never gave this company written consent to publish or furnish any of the following accounts. This is a violation of the FCRA 15 usc 1681 1681b. Its been over the 30 days provided to investigate. This has caused me stress and is bad reputation of me as a consumer.

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 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from Chase Auto Finance to advise me that I received a refund for title and registration fees ( they financed my 2017 XXXX XXXX ). Unfortunately, the letter was very vague and Chase didn't tell me how much the refund was for, so upon I calling Chase Auto Finance, the representative said that two checks were mailed out to me as follows : Check # XXXX for {$140.00} and Check # XXXX for {$1300.00}. However, I have yet to receive any checks. I have called a few times to Chase and they keep saying that they are still investigating the issue. Please note : that I have yet to receive my new registration paperwork also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: AMERICA FIRST FEDERAL CREDIT UNION
State: FL

Complaint narrative:
i cant verify the account so the refuse to give me information so i can dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent a letter via mail on XX/XX/2020 regarding inaccurate information on my credit report. This a clear violation of FCRA this report contains medical information with is a violation of my privacy. I never gave this company written consent to publish or furnish any of the following accounts. This is a violation of the FCRA 15 usc 1681 1681b. Its been over the 30 days provided to investigate. This has caused me stress and is bad reputation of me as a consumer.

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 2020-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol one did a hard inquiry after sending me notice that I was pre-authorized to refinance my car. Webpage advertises no impact to credit. They did not advise that even though I was a current customer that they would be doing a hard pull on my credit, this resulting in an inquiry on my report. I would like it removed from all three credit bureaus. I did not authorize a hard pull nor was I advised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 {$12000.00}, {$0.00}, {$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 XXXX 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- INSTALLMENT LOANS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. 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 2020-10-26 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: TX

Complaint narrative:
Had sent 3 letters investigating a balance that should be reporting as {$0.00} to Equifax, as i had received a cancelation of debt statement from the original creditor, XXXX XXXX XXXX  account XXXX, all credits bureau had updated balance to {$0.00} but Equifax states that they had verified the account with the original creditor, despite sending paperwork proving that the debt was cancelled. See attached reporting from other bureaus ( XXXX  updated balance to {$0.00}, XXXX  deleted the item from credit report ). I had reported the debt as income and paid taxes properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: KS

Complaint narrative:
I was Refinancing my house and after closing I found that my mortgage company didnt pay for my homeowners insurance. Even though we have it in an escrow account. My Insurance now is canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
i cant verify the account so the refuse to give me information so i can dispute 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 2020-10-26 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
Thank you for the opportunity to discuss my account with you. As you know my most recent credit report with [ XXXX, XXXX, XXXX  ], contains late payments reported on my XXXX XXXX. 

I have an excellent repayment record with your bank. I appreciate the credit you have granted to me and understand my obligations. I missed the payment ( s ) due to loss of income, medical emergency, move and since then, I have a new job and been on time for more than three years. As you can see, since then, Ive also had a spotless record of on-time payments. 
My credit is very important to me, and I would like to maintain a spotless record. I would like to ask that you remove that late payment history as a one-time courtesy. Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I CANT VERIFY WHAT THEY HAVE IN THERE SYSTEM SO THEY REFUSE TO 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
Consumer complaint received 2020-10-26 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: FL

Complaint narrative:
Remove account which is not belong to me. I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2013 Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

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

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 2020-10-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I cant verify exactly what they have on file so they refuse to assist 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
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2020-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ascendium Education Group
State: KS

Complaint narrative:
I haven't applied for student loans since XXXX and I have no connection to ascendium or whatever but I keep disputing the 8 accounts on my credit file and the bureaus keep verifying them as accurate. I just ran my name to see if my private information was compromised by XXXX  in their XXXX security breach and apparently it was, yet XXXX  never informed me and I can't provide evidence to support my disputed information. I just don't see how im obligated unless to a judge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was out of work with no pay because of the pandemic and I decided to take advantage of zero percent interest rate balance transfer with three percent transfer fee checks received from my USBank credit card to be on time with all my mortgages and other payments. All the transfer was made to my account by XX/XX/2020 and I started my payments through my bill pay from my checking account on XX/XX/2020. Because a problem on my bill pay service, the credit card did not receive my second payment on XX/XX/2020. An agent called me to request a payment on XX/XX/2020 and a 2 month payment was made XXXX for XXXX and XX/XX/2020 ). On XX/XX/2020, I called USBank to discuss my options, because I knew I would loose my interest rate if I was late with my payment. The agent that I talked to said they could keep my zero per cent balance transfer interest because It was the first time I was late and everything was fine. I made sure that I would keep the low interest rate and he said he was sure about it ... I kept my regular payments that was scheduled through my pay bill from my checking account ... OnXX/XX/2020 I got a call from USBank saying that I was late with my payment again requesting a payment. I did not understand what was going on, because my payments were been sent by my bank every month. This time I found out that I lost my interest rate that went to around 30 percent a year. I took loans and found a way to pay all my balance. Today I decided to review my account and realized that when I made the call on XX/XX/XXXX, they did not keep the zero percent interest rate as the agent confirmed. I called USBank and asked the agent to review my account and explained all the situation. The agent found my call on XX/XX/2020 and said she could not find what was decided that day. I was transferred to a manager and she said she found my call on XX/XX/XXXX, but that there was nothing that they can do and I had to pay all those fees and interest charged. I paid a total of U {$2400.00} plus the interest that I had to pay taking loans from other credit cards to pay the full balance with USBank.

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 2020-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Around XXXX XX/XX/2020. 
I sent XXXX $ to unknown person. There are not a person, he asked me to send several times with different names. 
I am an enlisted XXXX XXXX. A female texted for me in XXXX told that she is XXXX  in XXXX which is about finance, and shes gon na help me about care package that government will send for soldiers by money. She asked me my phone number to send instructions. Her name is XXXX, and her phone number is XXXX ( XXXX XXXX XXXX. About 5 minutes later, A male called me, he said he is XXXX XXXX XXXX works for XXXX in finance. He said my pay check is wrong amount, he said hes gon na fix it but he need Me send money for him to verify. I sent all of what I had. I did ask him several time to make sure this is true. He said Ill have money back immediately. Then he asked me for my friends phone number. He said he need update same information for them. I refused to give for him because I think he supposed to have it not from me. He hanged it up, and I am not able to call him back. I texted for the female that did she give my phone number for him, she said no but I am not able to text for her immediately because he deleted her account. 
Here is some information that I have XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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