vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 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: GA

Complaint narrative:
check systems has denied deleted a fraudulent account. ( XXXX XXXX XXXX   ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, checksystems has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on check systems like XXXX  XXXX XXXX and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX  XXXX, XXXX  XXXX also the checksystems report numberer is ( 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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E & C Finace Company Inc
State: AL

Complaint narrative:
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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:
Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX account # XXXX 5.  XXXX XXXXXXXX account # 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 2020-08-24 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:
Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX account # XXXX 5.  XXXX  XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bought a bike for 30 day trial from XXXX after which I return the bike during the trial. I hadnt received a refund so I filed a claim with the credit card. Now the credit card closed the dispute as they tell me XXXX says they have not received the bike however when I called XXXX they told me the only reason they didnt give a refund was due to the dispute. How XXXX said that yes they owe me the money because indeed they have received the bike.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ADESA CORPORATION
State: MS

Complaint narrative:
PAR North America is attempting to seize my property on a debt that they can not validate nor verify. PAR North America has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is not reporting my XXXX XXXX Credit Cards. I requested XXXX XXXX do a reinsertion of my cards to report to my Credit Reports. XXXX XXXX has tried to do their due diligence my filing a reinsertion on my behalf XX/XX/2020. My cards are appearing on XXXX & XXXX with frequency but not Equifax. When I call them I keep recieving the runaround or given the same number to keep repeating the same frustrating process. My score has tanked 84 Points due to their unwillingness to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was attempting to make a financed purchase of a XXXX XXXX from XXXX XXXX XXXX for my home office/XXXX XXXX on XX/XX/2020. On their checkout page the PayPal Credit Financing Option for 0 % interest for 12months made the purchase manageable for me. I applied for the financing through PayPal credit to make the purchase and was approved for only the pre-tax price of the computer. Upon check out I received repeated errors noting the payment processor was unable to authorize the account. After contacting PayPal ( processing ), my bank and my credit card, I was assured there were no issues on their end. I then realized my purchase was being denied due to my PayPal Credit limit being below the total purchase price ( with tax ). 

Upon requesting a {$300.00} increase of credit on the account on XX/XX/XXXX, I was denied. 
While I was able to close the account due to not being able to complete the purchase I established the line of credit for, the time, brief hits to my credit and lack of powerful computer leaves me behind on various projects I am currently engaged in. None the less to PayPal.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had an credit card account with Bank of America. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that Bank of America was allowing XXXX to have access to my account to make payments and balance inquires. I requested that BofA stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. BofA did so ... and the charges continued ( under the old number ). BofA told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. 

There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. 

Bank of America is already in possession of all documents related to this. I have provided them multiple times over the years.

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 2020-08-24 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:
I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXXXXXX 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

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 2020-08-24 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:
I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has caused me Financial Deformation by reporting on XXXX. By reporting me on XXXX I am unable to open up a bank account. I have called Bank of America several of times at XXXX XXXX XXXX XXXX and got horrible customer service and no resolution. My social security number is 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 2020-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I applied for an {$7500.00} loan with a company called XXXX. It was approved and I accepted it. Eventually this company filed bankruptcy in XXXX and I was unable to find information on the loan anywhere. It was then sold to a company called Younomics and was acquired in XXXX. By the time I found the loan again it was {$23000.00}. The APR was also 11 %. Then in XXXX the APR 11.25 %. Then the APR was moved to 11.75 % in the same year. Then the APR was moved to 12.5 % in XXXX. Now the APR is 11.75 %. 
The actions I have taken are that I have contacted and called them to find out information about why a {$7500.00} loan that was missing for several years is now {$34000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX  has denied deleted a fraudulent account. ( XXXX XXXX XXXX ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, XXXX has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on XXXX XXXX like Bank of America and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX XXXX, XXXX XXXX also the XXXX report numberer is ( 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 2020-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes finance demanding {$1800.00} for excess wear of the car..it is false claim ... both in the items they describe and the cost per item. 

Ps ; The finance company verified that the spare key was misplaced by the dealership and removed it from the claim Their demand now stands at {$1200.00}. 

It is still unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
My FHA refinance was started in XXXX of 2020. To date, it has not closed. I have had three different processors and have been to a manager who told me he would take care of it over a month ago. I have not been contacted in three weeks. I have been ignored and no one responds to me. Every-time I escalate my concerns I am told that the prior person left the company and they are trying to replace them. It has now been six months and no one is working my file. I have tried calling and emailing and continue to be ignored. My rate expired after 72 days and no one will answer me as to whether I get the lower FHA rate. I am just left out here with an unprocessed loan for the last six months. I continue on my own to research and try to reach people in management positions to resolve the 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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I created a XXXX Account in XXXX XXXX. After the account was created i wanted to transfer all of the devices from 1 account to the new account. What was done was, all of the mobile devices were transferred but XXXX did not transfer the tablet that was on the account and by their policy you can not have only a tablet on a mobile account so after 6 months of various charges piling up, I was finally notified about what was going on. After trying to resolve the matter what ended up happening was that there was a payment plan set up to pay off the current bills and the bills accrued from the other line still being open. 

The account was fully paid off and up to date with no missed payments and as of XX/XX/XXXX there was a {$0.00} balance on the account and i decided to transfer all of the lines again and close my current that was in my name and transfer them to my mothers name so that i may leave XXXX due to them cutting my phone off for no reason every few weeks and having to call and stay on the phone with them for hours just to correct the problems they were causing. 

The account was closed and all of the devices were transferred correctly this time, but this time there were charges applied to the account AFTER it was closed, not transferred to the new account, but applied to the closed account. 

I was notified by a collections agency in XX/XX/XXXX that they had taken over the debt from XXXX and that XXXX had filed negative remarks on me to the credit bureaus. After contacting the debt collector to gain information they simply wanted me to pay it but had no control over what would happen with my credit. After contacting XXXX and asking them would they give documentation stating that if i did pay them the debt, even though i knew that there shouldn't be a debt, would they give me or send information to the credit bureaus to have the item removed, they stated that whether if i chose to pay the debt or not that it is their company policy to not change any information sent to any credit bureau as they want the negative remarks to remain on the accounts for no less than 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AES/PHEAA
State: TX

Complaint narrative:
I have asked fed loan service to remove the closed accounts from my credit the information they are reporting is incorrect they have dupilcated accounts they have six accounts with same account number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On numerous occasions since XX/XX/XXXX, I have followed up with Transunion regarding the letter that XXXX XXXX provided to them regarding a bankruptcy that is on my credit report. 
I have placed called to Transunion and spoke to numerous managers, XXXX, Mrs.XXXX XXXX-regarding this account. All representatives replied that XXXX XXXX validated the information which is not true. 
On XX/XX/XXXX, XXXX XXXX sent Transunion a letter to remove the bankruptcy off of my report as it was invalid and inaccurate. On XX/XX/XXXX, XXXX XXXX also confirmed they on fact remove the bankruptcy off of my credit s well as, removed it off of their files. Transunion was notified via mail from myself as well XXXX, XXXX XXXX and to date, Transunion refuses to validate where they received the information as well as acknowledge the letter from the very source that provided them the information. 
Transunion is violating my Fair Credit Reporting rights. They replied on the phone to me they do not have to send me a letter in writing on how they validate their information. Please see attached letters from XXXX XXXX as ample proof of what I am saying. I am demanding that this reporting agency removes this information and adhere to the Fair Credit Reporting act. 
I thank you in advance for assisting me with this.

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX is attempting to seize my property on a debt that they can not validate nor verify. XXXX XXXX XXXX has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have requested that the mortgage company remove my escrow account. According to the terms of my mortgage, once I have more than 50 % equity I do not need to maintain an escrow account. My current balance is under {$14000.00} on a home valued over {$180000.00}. I have repeatedly called and communicated in writing with the mortgage company to cancel my escrow account. I have not had any appropriate communication from the company. When I call, I am told the person can not help me, but that a supervisor will call me back. In the 7 months that I have been complaining to the company, I have not received one call back. The last notice was sent electronically with encryption, and the company failed to provide an encryption password, so I have yet to read a notice almost a week old. 

Currently the company is charging me XXXX per month on escrow. This is more than the XXXX XXXX XXXX payment, and they have not responded to any requests for correction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation