vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
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 ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Due to the pandemic I was in a forbearance program where I didn't have to make payments, up to a full year, starting XX/XX/2020. I was able to turn things around and made a payment in full for all monies due through XX/XX/2020 in the amount of {$25000.00}. I made the payment on XX/XX/2020. That same day, in the evening, I placed a call to the mortgage company advising them of the payment and requesting that I be taken out of forbearance since I made payment in full for what was owed. 

SPS servicing to this day has not credited or allocated all of my money that I sent in to update my account as current. Additionally, since asking to be taken out of forbearance on XX/XX/2020, I have actually still not been taken out of forbearance. XXXX is supposed to be my first payment, after my forbearance period. I literally have made approximately five or more calls and nothing has been done. It was escalated by XXXX XXXX on XX/XX/XXXX around XXXX to the manager of supervisors by the name of XXXX XXXX . I placed numerous calls prior to this call even. Fast forward almost a week now after the escalation and we are no where different. My account is still showing past due and I'm pretty sure is still in forbearance as of the date I'm writing this complaint. I was told this would've been completed weeks ago. I then called back in and spoke to supervisor XXXX who advised me that XXXX XXXX was aware of this and another department was working on correcting my account and removing the forbearance. I'm just not confident in that. I'm a little hesitant in making my XXXX payment right now because I feel this company has no idea what is actually going on with my account. Today is XX/XX/2020. Again, my XXXX payment is supposed to be my first payment after the forbearance period was terminated. Can someone please help this company figure things out productively. I'd greatly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my third attempt disputing with XXXX, XXXX and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

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 2020-12-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted XXXX XXXX and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.

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 2020-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
The CFPB has jurisdiction over this matter because it concerns the an installment loan # XXXX by Banker 's Health Group ( BHG ) which was originalted on or around XX/XX/XXXX. On or around XX/XX/XXXX, after prolonged illness related to XXXX under XXXX  XXXX  XXXX XXXX ( XXXX ) combined with severe setbacks caused by XXXX and furlough, i attempted in good faith to extend an existing loan modification/forbearance ( original dates range from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to BHG as an alternative to bankruptcy and reasonable accommodation under XXXX. 
***Further, XXXX XXXX also applies due to XXXX STATE OF EMERGENCY IN CALIFORNA PER GOVERNOR ORDER, and BHG is duty bound by its lending/banking authority to make reasonable allowances for this STATE OF EMERGENCY until it is officially lifted and normal business resumes. XXXX Although BHG claimed a 10 day turnaround for these requests, I did not hear back, and I can only assume BHG 's systems are overwhelmed due to these unprecedented times. BHG is subject to California Financing Law License No. XXXX ( Enclosure. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and send disputes regarding inaccurate or incomplete information. I sent disputes to attempt to have investigated and I did not receive and updates or credit reports advising of results. My disputes was regrading account XXXX XXXX XXXX account number:XXXX****. This account is listed as charged off but is showing a balance of {$15000.00}, an open date XX/XX/XXXX, and last payment date of XX/XX/XXXX. I see account is reporting inaccurate. Per the FCDPA no account bearing a charge of can not have a balance listed. Also, the open date is different from other credit reporting bureaus. I sure that this creditor only reports once and this date is incorrect. Lastly, the last payment date shown to be XX/XX/XXXX but my payment history listed as of XX/XX/XXXX show an on-time payment. How is this possible. Again, this account in reporting inaccurate.

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please update both XXXX and XXXX XXXX accounts. information being reported is inaccurate. 

XXXX, SOLD THE ACCOUNT, THEY NO LONGER OWN IT. 
XXXX XXXX, REMOVED LATE PAYMENT INFORMATION. 

THEY REFUSE TO ACCEPT DISPUTES ON THESE PARTICULAR ACCOUNTS AND HAVE ASKED THAT I SEND LETTERS TO THEM. I REFUSE. ITS THEIR RESPONSIBILITY TO REPORT ACCURATE INFORMATION, PER FCRA. 

EXPERIAN IS ROGUE, THEY SEEM TO DO AS THEY PLEASE< MAKE UP THEIR OWN RULES, WHILE USING THIS INFORMATION TO DESTROY PEOPLE FINANCIALLY, WITH NO ONE HOLDING THEM OR THEIR ACTIONS OF ABUSE AND BULLYING ACCOUNTABLE.

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 2020-12-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Agency : Transunion Date:XX/XX/2020 Time : XXXX XXXX Claim : They are saying their system can't take my first name because their system has some problem. They are saying to change my first name and after that they will show me credit score and send me report. Even though I send documents for my identity verification they didn't reply me back.

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 2020-12-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I disputed a credit that was supposed to be received from XXXX for a purchase I made where they failed to apply a discount to my order. I contacted their customer service at XXXX and got the approval for a refund of the amount of {$200.00} for a purchase I made on their website on XX/XX/2020 in the amount of {$2000.00}. 

Customer service at XXXX indicated they did already request from Paypal to credit this amount to me but it was not applying to my account since it is an alternative payment form. I used synchrony financing for this purchase through paypal credit and I attempted to dispute the payment and never got a reply to what happened to the request.

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 2020-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and send disputes regarding inaccurate or incomplete information. I sent disputes to attempt to have investigated and I did not receive and updates or credit reports advising of results. My disputes was regrading account XXXX XXXX XXXX account number:XXXX****. This account is listed as charged off but is showing a balance of {$15000.00}, an open date XX/XX/XXXX, and last payment date of XX/XX/XXXX. I see account is reporting inaccurate. Per the FCDPA no account bearing a charge of can not have a balance listed. Also, the open date is different from other credit reporting bureaus. I sure that this creditor only reports once and this date is incorrect. Lastly, the last payment date shown to be XX/XX/XXXX but my payment history listed as of XX/XX/XXXX show an on-time payment. How is this possible. Again, this account in reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made an electronic deposit to my Chase checking account on XX/XX/2020. The amount then posted, it was reflected in my account balance. On XX/XX/2020 my account shows being negative and the debit card is closed. The deposit has disappeared, instead the transaction shows that a withdrawal was made. Chase bank has denied this and has stated that the deposit had been returned. Chase bank then provided me with a fake, joke 800 number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: PA

Complaint narrative:
This is my third attempt disputing with XXXX, Transunion and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

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 2020-12-24 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: PA

Complaint narrative:
This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my third attempt disputing with Equifax, XXXX  and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.

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 2020-12-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my third attempt disputing with XXXX, Transunion and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

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 2020-12-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my third attempt disputing with XXXX, XXXX  and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.

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 2020-12-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and show inaccurate information listed. XXXX XXXX account number : XXXX is show as a charged off account but this is an open balance of {$4700.00}. Also, the last payment date show listed is XX/XX/XXXX, but as of XX/XX/XXXX my payment history listed is showing an on time payment. How is this possible on a closed account. Per the FCDPA this account is in direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage, LLC
State: CA

Complaint narrative:
Starting on XXXX XX/XX/2020, representatives from Premier Mortgage LLC have been incessantly cold-calling. Over 25 calls in 7 days and one email.

They state they " are calling from the VA Department '' misrepresenting their affiliation. Also, when asked to clarify, they insist they are calling from the Department of Veterans Affairs, and make an effort to distract and move on to offer a VA streamline refinance.

I asked 7 times to be placed on their do not call list. The calls continue. One loan specialist threatened me when I brought up misrepresentation as a VA official. Others refused to provide their names and license number and hang up the calls. 

The email they sent copied the addresses of XXXX recipients fully disclosing all email addresses. 

XXXX XXXX XXXX Managing Partner XXXX # XXXX Premier Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Office : XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation