vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 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: UT

Complaint narrative:
" New Issue '' Barclay sent me statements I have reviewed the statements and highlighted areas of unauthorized charges on the cards that were taken used without my permission or consent. I informed the police department when all this occurred and the fact my life was threatened during this time and for safety reason stopped residing in my own home for the last 18 months.

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 2020-02-16 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2020-02-16 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I buy a phone for {$900.00} from XXXX XXXX  XXXX XXXX I had paid it down to {$400.00} this phone came out in XX/XX/2014 I buy it in. 
XX/XX/2014 they are asking me to pay {$1000.00} I would like this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I went into financial and physical hardship. I hired an attorney from advice from my realtor XXXX XXXX ; realtor license : XXXX and was directed to XXXX XXXX ; CA Bar License # XXXX, XXXX XXXX ; CA Bar License # XXXX, which I paid them {$5000.00} XX/XX/XXXX to represent me in my fight to get a loan modification. My first loan was with XXXX XXXX  for {$450000.00} Loan Number XXXX and second loan with XXXX Loan Number XXXX for {$43000.00}. I went through all the necessary steps and GMAC approved and we entered the Loan Modification Agreement on XX/XX/XXXX. We were in agreement to make 3 consecutive months payments at {$2300.00}. After making XX/XX/XXXXand XX/XX/XXXXpayments, a representative from GMAC named XXXX, informed me that I didnt need to pay the third month since I honored the first two payments. Subsequently, GMAC without my authorization nor knowledge, paid my property taxes which I was not in default. Soon after, GMAC changed the terms and required me to make a {$4200.00} payment which will cover the tax payments they made on my behalf. Unfortunately, I didnt have the financial ability to make that payment due to my hardship. XX/XX/XXXX my property went into default and into foreclosure. XXXX XXXX and XXXX XXXX then forced me into a short sale, in addition to making me pay 3 % ( {$8300.00} ) for the closing costs. XX/XX/XXXX my home was sold in a short sale. Complaints ; 1.Breach of contract, loan modification agreement. 2.Violation of civil cod Section 2923.5. 3. Breach of the Implied covenant of Good Faith and Fair Dealing to Honor Loan Modification Agreement. 4. Promissory Estoppel from denying loan modification. 5. Violation of Civil Code Section 17200. 6. Declaratory Relief of Loan Modification Agreement.

I believe I was discriminated against based on my ethnicity, skin color and socioeconomic background, in addition the transactions and the course of action that took place throughout this process. The attorney 's I hired to help save my home, took advantage of my financial hardship and sold my home in a short sale. I don't understand how I was approved for a loan modification, then I " didn't qualify '' and soon after, my attorney 's sold my house in a short sale. I gave all necessary information, including all paperwork for the HOPE and HARP program for loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
I requested that Equifax investigate a charge-off account with XXXX and provide documentation verifying the account per the FCRA. I have sent four requests to Equifax to provide the documentation and nothing has been provided. I have also requested the information from XXXX and they were unable to provide the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: OH

Complaint narrative:
In XX/XX/XXXX I received a letter advising me that a student loan through XXXX University was sold to a collection agency. I filed for Total Permanent Discharge ( TPD ) of this and all student loans in XXXX and final approval on XX/XX/XXXX. I contacted the collection agency with this information and XXXX which finally cleared up the " debt ''. However XXXX has reported late payments on the discharged loan in XXXX, XXXX and XXXX. 
I disputed this information with Experian & XXXX requesting the removal of all late payments, which has not be done. On top of it now they show the TPD discharge of the loan as a charge off, which is also wrong. Both Experian and XXXX have the TPD letter from the U.S. Department of Education ( XXXX ) but refuse to remove the negative information 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 non-monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
have a paypal account for online payments for me unfortunately I was a victim of phishing and the theft of my data from my card and my paypal account and made several unauthorized payments by me for amounts of XXXX $ and to the issuing bank of my card I recognized a part of these payments I demand paypal to recognize the rest of these payments that I do not authorize for an amount of XXXX $ because the XXXX  XXXX XXXX recognized me XXXX $ giving a total amount of XXXX $ and the complaint was presented to paypal and the XXXX  XXXX XXXX waiting for a solution and recover this money immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have tried to close my account multiple times since I never had much use for it. I had an overdraft fee once for a third party trying to withdrawal money from my account after I had tried to cancel with them. I was not able to Update the automatic payments therefore caused the first part of the problem. However, the bank refunded the fee after I told them of the problem and I told them my intention was to close the account. Then a month later, I get another overdraft fee for the same problem. I tried going into a branch and no one was able to help me after waiting for over an hour. I called again on XX/XX/XXXX and the wait time was 53 minutes!!! ( Not exaggerating ) I asked for a call back so I didnt have to wait on hold. I never got a call back. Now Im getting collection calls.

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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian wouldnt give me my free credit report yet they report inaccurate information on my reportThe information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION 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 explanation
Consumer complaint received 2020-02-16 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: MN

Complaint narrative:
Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, Equifax and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX   XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent XXXX  and Transunion 5 letters disputing an charge off in the amount off {$3300.00} from XXXX XXXX. XXXX  and Transunion did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified 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 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax wouldnt allow me to get my free credit report yet they report this information to XXXX XXXX The information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Credit Card with Capitol One. My account had problems like I was unable to pay online for an extended period of time. They say I was very late when I was not. I asked them politely to remove my late payments and they refused. I have been a customer for a long time and have never had a late payment on any account ever other then this. I want it removed from my credit file. Capitol One is extremely punitive. All of my other companies I do business with for credit related issues ( XXXX, XXXX, two car loans, rent, cell phone ) are all easy to work with however Capitol one seems more interested in hurting my credit then having me as a customer. I am requesting that the late payment be taken off my credit score immediately!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16 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 {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
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 and 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 ). 


-- OPEN ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -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 non-monetary relief
Consumer complaint received 2020-02-16 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:
Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my Trans Union, XXXX and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX/XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my Trans Union, XXXX  and XXXX  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 2020-02-16 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:
Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, XXXX  and Experian credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, XXXX and Experian 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 2020-02-16 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: MN

Complaint narrative:
Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent and unauthorized credit inquiries XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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 {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
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 and 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 ). 


-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -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 2020-02-16 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 {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
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 and 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 ). 


-- OPEN ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.

Company response to consumer: Closed with explanation