vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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 {$730.00}. 
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. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has not returned by overpayment of {$720.00}. I have contacted twice over the last 3 weeks. They promised to return money back to original payment account. 

I have not received money. 

They shut down my Bank of America Alaska  Card Account on XX/XX/20 without my consent and still no confirmation of money back. 

I do not know what else to do.

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 2020-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was put on hold for ever. and never reached a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: GA

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-17 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: GA

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.

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 2020-03-17 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group
State: IN

Complaint narrative:
The collection company sent me documents stating I owe a debt, but as I realized the debt owe isnt accurate. The estimate done by XXXX XXXX XXXX is false. XXXX XXXX XXXX XXXX paint home 4 walls 2 coats ( {$1200.00} ) But the the RTI home inspection from XXXX XXXX say whole house painted interior double coat ( {$1200.00} ) is also false signed off by a former Property Manager ( XXXX XXXX ) The photos circled in the report isnt of my house but the collection agent by the name of ( XXXX XXXX ) from ( Account Adjustment Bureaus ) told me on a recorded call that the Vice President of XXXX XXXX verified that the photos was of my home, when I asked for his/her name she said she cant disclose that information. I have the pictures circled that do not belong to me with the exception of one ; it shows the front entrance which isnt the same as the front entrance next to my entrance picture with the orange walls, theres also a bathroom circled that isnt my home, I can tell because the sink tile is different and the cabinet is darker, the other photo, that area wasnt in my home at all. Last but not least the company ( XXXX XXXX XXXX ) IS NOT A REAL COMPANY located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its the address of someone private home they have no idea who this company is at all. Please understand Im a XXXX XXXX XXXX and I was able to retrieve additional information, but the nonexistent company can also be looked up by anyone. The phone number is also fraudulent ( XXXX ) XXXX XXXX no such company exists in XXXX XXXX or anywhere else. I believe this is a scam and I will like to pursue further information on where this estimate actually came from, why did a property Manager sign off on a fake company estimate and why did the Vice President of XXXX XXXX make such a false statement? I will be reaching out to the Vice President and other parties of XXXX XXXX with all details, paper work and information collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Can a bank ask me to send them a copy of my social security to verify my identity in the application process for a credit card? 
After applying for a Wells Fargo Bank credit card, I received a letter in the mail asking me to send them a copy of my Social Security to verify my identity or my application would be denied. Due to the sensitivity of this information I see myself in the need to ask if this is legal because in many opportunities the community has been warned not to deliver this information to any agency and I have many credit cards and this has never happened or is it such I am facing a XXXX activity due my name.

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 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Alliance One is trying to collect a debt that is over 16 years through a garnishment in court. They have never contacted me not once about this old debt, however, they are trying to garnish me for a debt that is past the statute of limitations in the state of WA per XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On multiple occasions in the past, I have tried to ...

1. ) Lower my monthly payment due to income issues, but was told I had to pay what the payment was set for.

2. ) Make a payment arrangement, but was led into forbearance.

3. ) Remove the co-signer on the loan, but was told I had to make a ridiculous amount of payments first. Also, they never sent me the paperwork for the removal after said payments were made. 

I also believe that they have charged me late fees that I am not responsible for, and I see payment reversals on my payment history that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC

Complaint narrative:
Re : Loandepot. 
My aunt died in XX/XX/2019. She was XXXX. She had a loan on her house with loan depot, that was not due to be paid off until she was XXXX. 
She lives in Florida, we live in the XXXX. It took a little while to realise that she had a mortgage. 
In XXXX, we contacted Loan Depot to explain that she could no longer make payments. They said, " they would only talk to the personal representative ''. In XXXX, I phone them again. They said that they would not speak to me until we had the court order confirming that I was the PR. 
On XX/XX/XXXX, we received the court order. I immediately contact loan depot again. They requested a copy of my aunt 's death certificate and a copy of the court order. This had to be sent by post as they do not have a secure email address. Additionally I sent a copy of my photo ID as I suspected that they would need this. 
I did not hear back from them. 
On XXXX XXXX I phoned them again. After 26 minutes I spoke to an someone ( I have the name and ID ) who said they were still reviewing the documents and there would be an outcome on the Friday XXXX. She would not tell me any more, nor how I could be expected to hear from them. But she did say they would not make an international phone call and that they would not email. 
On XXXX XXXX, I had still heard nothing. I phone again. After 69 minutes on the telephone, I was told that they had no idea when we would hear. 
On XXXX XXXX I phone again. Apparently they sent further correspondence Mailed XXXX Additional documentation has been requested, photo ID, I had already sent this. I would need to make a payoff request They have started to forclose on the loan. 
Their system, is unable to cope with an overseas address! 
They have approved me as the personal representative, but as they have started to forclose on the loan, I would need to speak to the forclosure attorney The loan passed on on XXXX XXXX. 
We are now being charged attorney fees and costs, late fees and interest. 
I have not received any written correspondence yet from Loandepot

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: FL

Complaint narrative:
This collection agency put this business credit card on my credit without any notification or letter notifying me of the existence of this debt. They kept calling my work place and leaving messages about this debt with 3rd parties. On XX/XX/2019 they removed this debt from credit bureaus and even though I requested them to validate the debt they did not and proceed to add the collection item back to mt credit with a different account number. I called the original creditor and could not get any information was told it was sold to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WFHM - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.

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 2020-03-17 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: TX

Complaint narrative:
Hippa and Ftc violations Sent more than 30 days ago

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 2020-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
XXXX XXXX  added a false collection amount to my credit saying I owe them {$820.00} when they indeed owed me a refund of {$270.00}. I called and spoke to both progressive and receivable management and they admired the error on progressive part. The agent said she will Put a check in the mail for my refund as I was able to prove I had another insurance at that time.

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 2020-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.

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 2020-03-17 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: KY

Complaint narrative:
I am a victim of identity theft that started in 2014, here we are 6 years later and I am still fighting. I have sent in my FTC report, my signed paperwork from a judge and now I will be attaching today a new and updated police report ( this is my 3rd in 6 years ). While Experian had handled the fraud and identity theft much better that the other two reporting agencies they are still reporting some major things that do not belong to me. I am so confused on how I can send in court paperwork, legally signed by a judge clearly stating these accounts are not mine but yet they remove them and then add them right back on or send me a letter stating maybe I reported these in error. NO!!!! MY LIFE AND THE LIFE OF MY CHILDREN HAS BEEN DESTROYED BY THIS! If a court order and a police report clearly telling you these are not mine are not good enough then what is. What they are doing is illegal. They are just as guilty as the person who stole my identity at this point in time. They know these accounts are fraudulent and yet they still keep them on ther

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 2020-03-17 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: KY

Complaint narrative:
For over 6 years now I have been battling identity theft. I have sent Transunion my FTC paperwork my court paperwork, paperwork they asked for and now i am attaching a new and update police report ( this is the 3rd one ) they are still reporting the fraud.

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 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have applied for a conventional mortgage refinancing with Santander Bank. In the process of applying I received a copy of my credit report from XXXX  and learned that the credit score that XXXX  sends to corporate clients is materially different than the credit score that XXXX  shows me in my XXXX  account. Santander 's credit score is XXXX while the credit score XXXX   shows me is XXXX. The difference is material in terms of rates and not supported with any justification. I am an XXXX XXXX and my wife and I make over {$300000.00}. We have paid off all credit cards and revolving credit with the exception of my mortgage and HELOC loan with Santander Bank. During the financial crisis of XXXX-XXXX,  bias in credit report was rampant and I believe that I the discrepancy in credit scores between XXXX  and FICO is the result of XXXX  bias. Additionally, the credit score shown in my XXXX  account is based on a marketing scheme by XXXX  to sell boosting credit scores by upgrading your account to get a higher credit score.  XXXX  is selling one credit score to business and another to individuals in a scheme to make money but fraudulently posting two different scores! This is fraud and given the ensuing financial crisis will result in fewer qualified people of XXXX receiving a good rate on refinancing when it is needed most.

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