vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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:
The account listed transactions are not done by myself.

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 2020-02-14 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:
The account listed transactions are not done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The servicing company Loancare XXXX, they NEVER call me back after having calls dropped and them not calling back and they never have a answer when i do talk to them, they always say that they will call back but never do and then i get a XXXX letter in the mail with no answer and the same thing i can see on my online profile.

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 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On or around that of XX/XX/XXXX I discovered that my debit card was used in an unauthorized manner. I then filed a claim with Wells Fargo. They, on XX/XX/XXXX, denied my claim and refused to refund my money nor to provide me with all documents related to my dispute. 

I too submitted inquiries and other things to XXXX and XXXX with no response back. 

They were requested to provide the video camera, transcripts, and everything they had related to claim number XXXX. 

In such claim, I disputed as unauthorized ; CheckingAccountXXXXDisputesasfollows ; XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$60.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXXXXXXXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} And ; SavingsAccountXXXXDisputes ; XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX  {$60.00} XXXXNON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXXXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00}

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 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc.
State: NM

Complaint narrative:
Back in 2015 I went to XXXX XXXX XXXX XXXX school. They say they will help you get your XXXX, and reimburse the cost of school after you work there for x amount of time. They then make it impossible to work for them. Shortly after I quit it my credit, after the time expired for them to take it to court they threatened a law suit with XXXX XXXX as their debt collector. A couple months ago when I filled that complaint with you, XXXX agreed not to sue, and to remove it from my credit. Now XXXX has hired another collection agency who has relisted it on my credit. XXXX and their predatory lending practices continue to harass me and my family. They have threatened me, lied about loan amounts, and seemingly edited the original contract. Not to mention now I supposedly owe 4 thousand plus- not what my paperwork shows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I applied for and opened a mortgage with a mortgage company. Fay Servicing was hired to service the payments. I tried on two occasions to pay my payment, weeks in advance of the payment due date. I learned 2 weeks into the first payment period with Fay, that my payment was not received and that I was charged a late fee. Fay Servicing informed me that they could not take electronic payments. Every other credit card and mortgage company that I currently pay, more than 10 mortgages and 5 credit cards, takes electronic payment from my bank. I explained and offered to show that payments were made through my bank bill payer system, and were later rejected ( after I learned that they payments had not been processed ). I asked for a refund of the late fees, since I had no way of knowing that Fay would not take payments from a national bank, like every other mortgage and credit card company. How would anyone know that Fay, or any company, will only accept paper checks, without prior instructions? This is a predatory practice of forcing unfair late payments. A new mortgage takes a great deal of work and costs thousands of dollars. I can not simply find another mortgage company or processing company and I am forced to pay late fees, which are also higher than any other mortgage company that I have worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2016 I got my monthly bill from my Citibank credit card and it included fraudulent charges. The fraud was clear : dozens of charges from {$5.00} to {$25.00} for rides on XXXX in XXXX XXXX over several days in XX/XX/2016. I'm a XXXX XXXX and I was XXXX XXXX in XX/XX/2016 in the USA. I immediately called Citi. The person I talked to on the phone was told me that the charges were clearly fraud and that I should pay the portion of my bill that i was responsible for ( {$430.00} ) and assured me the rest would be removed from my bill. 

Citi issued me a new credit card. I never again used that card. 

The XXXX charges in XXXX XXXX were eventually removed from my bill, but not until the bill for XX/XX/2016, at which point I cancelled the card and closed my account. 

I checked my credit report in preparation for applying for a mortgage and was told that I have 4 instances of late payments on this City card between XXXX and XXXX that were all due to these fraudulent charges.. I called Citi three times trying to get them to remove the late payment marks or, at the very least, send me my billing records so that I can make the case directly to the credit bureaus. This mistake will cost me as much a 1/4 point in my mortgage if it is not cleared up by XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-14 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: HI

Complaint narrative:
To Whom it May Concern : I am notifying you of a collection account on my credit report that I discovered last XXXX and have already disputed once with the three credit bureaus. Sequium Asset Solutions and XXXX has have wrongfully pinned this in my credit file. I do not owe any debts to XXXX and had ever done business with their company. I am urging you to please research this error and it's validity. 

I have tried contacting the number for this collection agency and have not made any contact with number from the dispute results. I will keep on disputing this since, again I do not owe any debts to these companies involved. 
I will be waiting for any response and may seek legal action if not removed from my credit report. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2019, someone had stolen my American Express Platinum Card ( AMEX ) information and purchased over {$3000.00} worth of merchandise from XXXX ( XXXX ). I disputed this charge with AMEX and thought the matter ended. The fraudster tried to take advantage of the free shipping benefit associated with my card but forgot to change the address, so those items were shipped to me. I shipped these items back to XXXX because to keep them would be theft. When XXXX received these items for which I was not charged, XXXX issued me merchant credits which appeared on the statement associated with my replacement AMEX card. In a further attempt to do the right thing, I informed AMEX that these credits were issued in error. AMEX responsed by charging these credits back TWICE ( I.e. charging {$600.00} twice ( total {$1200.00} ) for a {$600.00} credit ). I have since called AMEX 11 times to get these erroneous second set of charges taken off. Each time AMEX representatives from both customer service and fraud protection team have given me reassurances that these charges will be removed, do not be worried but that has not happened - in fact, these charges got shifted to pay over time and dispute without my knowledge nor approval. Now, in the 11th call, I am informed that I am on the hook for the entire amount of the reported fraudulent charge. This has turned into an act of fraud against me, perpetrated by AMEX. Because AMEX is clearly running me around in circles, I feel the need to reach out to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 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: PA

Complaint narrative:
I am writing because the following information on my file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XX/XX/XXXX {$6900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$880.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$1800.00}

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 2020-02-14 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: PA

Complaint narrative:
I am writing because the following information on my file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XX/XX/XXXX {$6900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$880.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$1800.00}

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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
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/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX breached their contract and duty and still until this day failed to provide a receipt that a loan was ever given where is the receipt? XXXX XXXX  had 7 days to respond and resolve this issue the XX/XX/XXXX.  XXXX XXXX  never responded and there is a breach of contract on the fault of XXXX XXXX  who still fails to show the receipt that a auto loan was given. Also XXXX XXXX given third parties XXXX XXXX information without XXXX XXXX written or express consent this violates title 15 USC 1692 SECTION E

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: AL

Complaint narrative:
There is an XXXX XXXX Account for {$260.00} showing on my credit report which is not mine.

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 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had purchased an item At XXXX XXXX XXXX  and XXXX and tried to withdraw money from XXXX XXXX and I never received the service or money and Im having problems getting my provisional 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 2020-02-14 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: ID Analytics, Inc.
State: WI

Complaint narrative:
I have sent in 3 requests to freeze my Sagestream and they have all been ignored. I requested a security freeze online and twice by mail. I have called and left over 10 messages and still have not received a response. I sent out my most recent letter on XX/XX/XXXX. On XX/XX/XXXX I requested a security freeze on the Sagestream website. My initial request was sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: TX

Complaint narrative:
These are not my accounts. Please remove.

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 2020-02-14 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: TX

Complaint narrative:
These are not my accounts. Please remove.

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 2020-02-14 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Attempted to get a free credit report from Experian using the legally mandated service here : XXXX XXXX XXXX Both XXXX and XXXX work fine , but Experian immediately fails . Following up using the " Sorry, we were unable to verify your identity '' page that is presented ( https : //usa.experian.com/acr/preOowError ) proved useless. 

The Upload Proof of Identity link provided fails to allow uploading any documents at all " https : //www.experian.com/consumer/upload/personalInfo ''. This was tried using up-to-date versions of XXXX and XXXX -- both gave the same failure. The file sizes were 1.5 MB and 550 kB, well under the limits. In all cases the site complains " Important Note : We were unable to upload your document ( s ) successfully. '' Calling puts me in an extended phone queue and I gave up. 

Utterly useless, and I don't think it complies with the law. I also note that https : //www.experian.com/XXXX points me at a scammy 'free ' monthly service of their own.

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 2020-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: OH

Complaint narrative:
This debt was incurred due to medical malpractice ( XXXX XXXX XXXX, XXXX, TX ). I asked the doctor to turn over my claim to his malpractice insurance company. This has cost me thousands of dollars to XXXX XXXX XXXX. I am still trying to collect damages from this doctor. He never responded and turned over me to collections Merchants and Professional Collection Bureau , Inc. I sent them a letter describing exactly this issue and instead of not contacting me and verifying my debt they start reporting this debt to the credit reporting agencies. They never verified the debt, like I asked and they never stopped it from being reported when I specifically told them not to, due to the circumstances above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX  stills has an old account with DISCOVER card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}

Company response to consumer: Closed with explanation