vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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: MN

Complaint narrative:
This i

nformation has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-07 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: MN

Complaint narrative:
This information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have pua from dept of labor the work force told me to appy for real beneifits they said id get 4 things a code a card wages statement and coraspondence mail I received everything but the card, card services said I get a card dept of labor said I get a card but us bank said I couldn't have two cards then a us bank letter came and said activate the card I dint have im telling my case worker about that right now but my other money is on a relic card and when I changed my address they locked my account with XXXX in it they have no right us bank says it is a offline team and they cant unlock it they are not suppose to be doing that I have since direct deposited my earnings and they are coming in but that XXXX they wont let it go I direct deposited my money from that card and all but that is going to the other account can you help me get my money?

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 2020-10-07 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: FL

Complaint narrative:
I have reach out to XXXX XXXX XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been working with Chase Bank ( XXXX XXXX ) on refinancing my current mortgage loan and feel they have deceived me into thinking my closing cost would be {$1300.00} when it actually ended up being much higher than what they told me. I have attempted to talk with them and get a clear explanation but the representative I was working with was giving me the runaround and making misleading claims trying to get me to believe it was really {$1300.00} but it was not. I have asked if they would refund my {$500.00} application fee but they said it is non-refundable which I was aware of when I started the process but I wasnt aware they would mislead me on the closing cost the way they did. I have since went with another bank. I have tried to discuss the matter with the bank manager (  XXXX XXXX ) and she said she would get back with me after our last call together but after numerous attempts to reach her she wont return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo reported to XXXX  that on XX/XX/2020 my home mortgage went into forebearance. However, I did not request COVID assistance then & furthermore, the account is current with payments made in XXXX & XXXX. This issue came to our attention on XX/XX/XXXX when we attempted to close on a refi. We first contacted XXXX  who told us to contact the lender, Wells Fargo. Weve now done that only to be told that while they agree all our payments are in line for XXXX & XXXX they need to investigate this matter further. It may take 10 days to resolve which will lead to material financial adversity to our family. Weve asked  Wells Fargo to rectify this matter immediately & they refuse to.

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 2020-10-07 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: AZ

Complaint narrative:
I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$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 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 XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

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

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

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

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$13000.00} -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 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX I have an issue of Portfolio Recovery Associates they have been calling me non-stop during the pandemic even though my work went down to 50 % my landlord even had an agreement signed saying about my work shutting down I have threatened them with a protective order they still don't stop calling. And tonight I am 99 % sure called me and took a 30 dollars from phone bill when I picked up the call. For 2 years none stop from differnt numbers all differnt times differnt people same company Portfolio Recovery Associates and it's over a debt with XXXX XXXX that was a fraudulent debt when somone took a criedt card I forget about. 5 years ago almost 6.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NM

Complaint narrative:
Last month ( XXXX XXXX when I made my mortgage payment, for some reason the mortgage company ( The Money Source Inc. ) processed a double payment through my bank XXXX XXXX XXXX XXXX  XXXX. My monthly mortgage is {$1300.00} and they processed a payment for {$2700.00} on XX/XX/XXXX. I immediately contacted XXXX XXXX and initiated a dispute as I only authorized a payment of {$1300.00}. I then contacted The Money Source and spoke to XXXX P about this error to let them know I filed a dispute with the bank and to find out what needs to be done to correct the issue. XXXX requested copies of my bank statement to prove the payment processed so they could initiate a refund for {$1300.00}. I sent the documents to XXXX and they processed a refund for {$1300.00}. They sent a check on XX/XX/XXXX which I received on XX/XX/XXXX. During this time, XXXX XXXX discovered that the charge was not authorized and they reversed the entire {$2700.00} back into my account. Additionally I received a letter from The Money Source stating that my mortgage payment was past due. I contacted XXXX about this and she stated that since the bank reversed the charges, they decided to reverse the payments for XXXX and XXXX, thereby making it appear that we were past due on those payments even though we made them on time. Today, XX/XX/XXXX, I was notified by XXXX  that The Money Source added a negative remark to my credit report stating that we were delinquent more than 30 days. We have never been late on any mortgage payment and I have proof of that with my bank statements and The Money Sources monthly statements. XXXX admitted that we were never late and that the bank reversal is what triggered this problem in their system and the reporting to the credit bureaus that we were late, even though we were never late. I told her that I wanted them to correct the information on the credit reports and I wanted the late fees reversed since none of this was our fault, it was The Money Sources fault initially for charging me for twice the payment that I authorized. The refused to correct the credit report and refused to remove the late fees. I believe this is in violation of the Fair Credit Reporting Act of 1970 as they have reported falsely that I was late on mortgage payments even though I was never late on those payments. I believe this is fraudulent information and it has permanently harmed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: LA

Complaint narrative:
For the past 90 days Equifax refuses to correct my credit report. Currently they have me with two home mortgages.. One with my Bank which XXXX XXXX XXXX Bank for a total amount of {$91000.00} and a second mortgage with XXXX XXXX XXXX XXXX XXXX Mortgage. XXXX XXXX  has the same account number as XXXX XXXX bank, # XXXX. The reason Equifax will not remove it after several bank letters, phone calls and additional disputes filed to Equifax. Number XXXX. All because XXXX reports a different balance. Their balance is {$88000.00} and XXXX balance is {$91000.00}. Same loan number. Equifax claims that since the mortgage companies have different names and different amounts they can not remove it. The reason for different amounts is that they file separate reports at different dates causing different balances. So as of today instead of having one mortgage for only {$91000.00} my Equifax reports currently shows that I now have three mortgages for a total of {$220000.00}. Additionally they have not removed a second mortgage from my grand totals. I paid off my second mortgage on XX/XX/2020 for a total {$48000.00}. So my credit is totally damaged, my total score went down from very good to good just because of the above errors. I'm not able to secure better interest rates because of Equifax failure to correct what my bank has asked them to fix three different times. Equifax does not care about the consumers and a complaint needs to be lodged so other know how they are damaging consumers by total negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have an existing AMEX Platinum card and called AMEX on XX/XX/XXXX to transfer my points to my XXXX XXXX investment account, the representative on the phone recommended that I sign up for a XXXX Platinum card. When I verbally asked multiple times if there was an annual fee, I was told that there wouldn't be an annual fee because I already had a Platinum card. 

I called twice to confirm that there would not be an annual fee, and both times I was verbally told there was no annual fee. I was charged {$550.00} on XX/XX/XXXX, and I called the XXXX number to dispute it and was transferred to the manager, who told me he would review the call log to confirm and get back to me. They determined that they were not at fault and recommended that I cancel my card to return the annual fee, since I had already used the welcome points, I have a rewards balance of negative XXXX. 

I was verbally misled by AMEX and they refused to provide any reasonable path to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$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 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 onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

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

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

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

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -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 2020-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reach out to on XX/XX/2020 XXXX XXXX/ XXXX XXXX   and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.

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 2020-10-07 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: AL

Complaint narrative:
Equifax sent me in a letter stating they need two forms of identification. I mailed them this information along with my dispute and they received this information XX/XX/20. I also have a signature that they received that letter. I will also stretch copies of the dispute I sent ( minus the account number ). Ive marked out the identification that was mailed in along with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.

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