vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian multiple times about the inability for me to obtain my Experain credit report and score. Recently I have applied for credit from 2 banks, and they have not been able to obtain 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 2020-08-17 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 {$160.00}. 
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/2020 and the subsequent response received on XX/XX/2020 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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$160.00} -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 2020-08-17 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX I opened a credit card with XXXX XXXX XXXX to purchase furniture. I selected the no interest for 6 months plan. 
On XX/XX/XXXX I scheduled a payment of {$600.00} On XX/XX/XXXX the payment posted of {$600.00} and I was charged a {$28.00} late fee. ( No grace period - which I did not know about. ) I forgot about the XXXX payment until today XX/XX/XXXX and was surprised to see the late fee. I immediately scheduled a payment and called to ask for late fee reversed. 
I was told by XXXX ( customer service rep ) that I actually had been reported to credit reporting agencies for {$56.00} on XX/XX/XXXX for Late fees for XXXX and XXXX? 
How is this possible when I made a payment for {$600.00}? She said it didnt apply nor did it count. 
Very, very upset. Have not mentioned I have been charged interest. 
Will never open a store credit card again.

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 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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 {$160.00}. 
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/2020 and the subsequent response received on XX/XX/2020 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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -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 2020-08-17 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 {$160.00}. 
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/2020 and the subsequent response received on XX/XX/2020 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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
American Express Closes my account for previous return payments, caused by my bank having my funds in hold. I asked amex to reopen my account and they dont want. They are breaching the contract of my both cards the hilton honors and XXXX XXXX. The agreement says : {$25.00} if your Account is cancelled, you ask us to re-open it, and we do so. If Amex dont comply with the agreement by reopening my both accounts, I want a debt forgiveness caused by the breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX did not mail me nothing in terms to this debt. The debt amount is {$36000.00} for a truck in which i work for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I'm not buying the truck nor sign any contract saying I'm liable for damages. XXXX XXXX XXXX XXXX has insurance and have filed a with Nevada Division of Insurance to  investigate his insurance company to see if they filed a claim on the truck and any fraud that may or may not have happen with this issue.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
the bank misapplied a payment for XX/XX/2020 after 6 weeks the say all is well now my statement shows {$15.00} past due big deal? it must be to them from the number of phone call from them. there is no past due amount the problem has not been fixed what a shame to have to go to a government agency for customer service!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ince your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com
State: CA

Complaint narrative:
I applied for a Conventional mortgage with a company by the name of Lending 3 in XXXX XXXX, CA in early XXXX, XXXX. I provided all of my income documents and signed disclosures in XXXX XXXX. On XX/XX/XXXX, I received a phone call from the processor XXXX XXXX informing me that my loan had been declined. She said that I needed to be back at work in order to have more income. It took this company 2 months to tell me I didn't qualify when all along they knew my income sources and had all related documentation. I asked if they could offer me a lower size loan or a longer term and she refused to engage with me and said no and I needed employment income, even though all along from the moment I applied they knew I was not employed and my source of income was only rental income. 

This company is not following normal business practices and are mis-leading and deceitful. All along I was told that it would work out and to be patient with underwriting. I own 3 properties and have financed home loans plenty of times, enough to know that this company does not follow the rules. They didn't communicate with me and when they did they were not interested in working with me and helping me. Today is XX/XX/XXXX and after insisting on receiving a decline letter for over a month, I just today received it in the mail and attaching to this communication. 

Thank you for your help in exposing the horrible business practices of this company.

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 2020-08-18 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: CA

Complaint narrative:
After checking my credit report I have found numerous inaccuracies and violations. I have contacted Experian multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/2019, XX/XX/2019 & XX/XX/2019 all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ).

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

It is the sole responsibility of Experian to conduct a proper investigation and report accurate information on 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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to quick pay {$1000.00} for a deposit for a dog to a breeding company located in XXXX XXXX XXXX but when doing so, I never heard a response back confirming they received the money. I attempted reaching out to the contact info I had many times and heard no response confirming they received the funds and or would be able to issue me a refund for what I had sent through quick pay that apparently gone missing in thin air. I attempted to call Chase and submit a claim and they denied me because I knowingly sent the quick pay. But I did not knowingly agree to this merchant and feel as if my bank whom I am private client with, should provide insurance and investigatory backing. But they did not. Please let me know if anything can be done. Especially during a time such as this, with COVID going on. I would expect more from my trusted banking institution. I thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My debit card was stolen by this man who told me his name was XXXX and he somehow knew my pin and stole around {$500.00} before I shut down the account and told him to give it back or police will be involved and that its already shut down so he did. I have contacted both Chase Bank and the police about this, police arent doing anything about it and Chase thinks that I am either scamming them or something. I told them to look at the cameras to see it is clearly not me taking the money which they then said the police had to but it was in a Chase Bank using their ATM but they are refusing to check the footage. They gave me around {$200.00} of the stolen money back just to steal it from me a month later. I called about it today when I found out and this lady was very difficult saying the same things like to contact the police even after I told her I did, and that the investigation team didnt think it was actually stolen. She was becoming increasingly more difficult until she put me on hold for her boss that I am on hold and have been on hold waiting for over an hour and a half. If anything, I would just atleast want the {$140.00} from the chase ATM that they can clearly see it was not me. The bank is seeming to ignore me now. When I first called about the card it was within 24-48 hours after the card was stolen and nearly {$500.00} was gone, the lady told me that the bank will do everything they can to return my money, returned less than half of it just to steal it back without notice. The new lady said that the money was temporary to begin with but I was never told that before it was taken. I am afraid they are going to take out more money illegally that was never stolen to begin with and make up an excuse for why and give me no real evidence. Thank you for your time and help I am very upset about this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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