vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased a new washer and dryer from XXXX XXXX in XXXX Texas. I was issued a Visa Debit/Reward Card for {$320.00}. I was able to spend approximately half the funds before the card would not work. On XX/XX/2020 I called Bank of America credit card reward department and was told my card expired at end of XXXX and the balance on the card was lost. 
I do not feel Bank of America should get to keep the expired funds approximately $ XXXX {$200.00}. I was mailed the card, so Bank of America has my mailing address as well as my email address to notify me of pending expiration. 

I feel Bank of America should extend the period or because they have the ability to discourage the use of the card until the end of the expiration period. This is another way they can create a profit center. 

call me for questions XXXX XXXX XXXX or email 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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On the XX/XX/XXXX, I reached out to Chase in an attempt to raise my credit limit and upon reviewing my credit through XXXX, they denied me under the claim I have " too many installment loans other than mortgage, automobile, or student loans ''. 

Firstly, I only have 2, one of which will be paid in full on Monday, XX/XX/2020. Secondly, I have a XXXX credit score and have had this card for nearly 2 years. Due to this, I'm concerned that this rejection is an error and possibly an issue of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 sent in several FTC reports and nothing still have not been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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:
I sent in several FTC reports and nothing still have not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I was turned down for a motorcycle loan from my bank because of a recent " negative credit '' entry onto my " Experian. '' I am the " Victim of Identity Theft. '' I contacted " Experian '' to get a " Free '' copy of my " Experian '' credit report but " Experian '' wanted me to " Sign Up '' online for a $ XXXX " Monthly '' credit monitoring service offered by " Experian. ''

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 2020-12-13 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -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 2020-12-13 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: Capio Partners, LLC
State: FL

Complaint narrative:
This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: CO

Complaint narrative:
I was charged twice for one item. I called the telephone number on the bill on XX/XX/XXXX and was told management would contact me within 24 hours. They have never contacted me. I followed up with a letter to Synchrony Bank on XX/XX/XXXX and copied the letter to Lowes CEO. It is now XX/XX/XXXX and no one has contacted me. This credit card a has automatic pay through our bank account and they drew payment on this disputed charge on XX/XX/XXXX. They have my money and have ignored every attempt to resolve 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 monetary relief
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IL

Complaint narrative:
I had a mortgage loan that was serviced by Plaza Home Mortgage then was transferred to XXXX  late XXXX by Plaza Home Mortgage and no payment was expected to be made to Plaza Home Mortgage afterward. However, mistakenly a pre-scheduled one month payment went out of my account at XXXX to Plaza Home Mortgage and was cleared as shown in my attached XXXX bank statement. The payment was never returned back to me by Plaza Home Mortgage Since XX/XX/XXXX, I have contacted Plaza Home Mortgage, Inc bank multiple times ; more than 5 times in writing and so many phone calls about this refund. In every time I am told my request is being looked at. So far it has been over 3 YEARS and no resolution and no understanding of why this has been taking that long nor what is going on. My communication written and phone calls with the bank was at a quarterly basis for 3 years until I approached a lawyer who recommended to file a complaint with the bureau. 

I have also spoke multiple times with XXXX and they confirmed their two documents I already provided to Plaza Home Mortgage ( 1 ) monthly statement & ( 2 ) Proof of Payment are very clear and good enough to proof the one month payment was indeed ( 1 ) made to Plaza Home Mortgage and ( 2 ) nothing else showing it was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.

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 2020-12-13 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:
Two account that does not belong to meXXXX XXXX XXXX and 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 2020-12-13 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.

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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I called Care Credit/Synchronicity Bank regarding my Care Credit Account. I am in the process of considering Bankruptcy. My income was drastically lowered due to COVID19 and ultimately I was laid off of my job in XX/XX/2020. My only income is unemployment which is less than my monthly costs of mortgage, insurance, XXXX and taxes. I inquired about negotiating a settlement which would also work on the {$1600.00} in interest and fees that Synchronicity Bank has charged me on borrowing {$2000.00}. I spoke to XXXX who is an Account Manager for Synchronicity Bank. When I stated to him I am trying to negotiate a possible payoff rather than bankruptcy he told me he would check to see if I qualified for a settlement. He then told me that I did not qualify for a settlement. When I asked why he told me he could not tell me.. '' I have to go by what the system is telling me ''. I asked again and he told me he could not tell me why. I was told however that I could pay {$42.00} a month for five years. I can not cover my basic living expenses, not including utilities or food, yet Synchonicity is ensuring they collect on their PREDATORY lending practices. This is shameful and should be criminal how much they are charging and continuing to profit on the demise of working class persons as 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 2020-12-13 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2020-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: ID

Complaint narrative:
At the end of XXXX I contacted my mortgage company to take my home out of the COVID-19 forbearance that it was in. I had to contact the VA to get assistance due to the lack of response from LoanCare. The VA told me to ask for a disaster modification because the process did not require completing an application and would accomplish the same thing. This was requested at the end of XXXX. LoanCare states they mailed documents to my home in the middle of XXXX about the terms of the agreement. My payments were supposed to begin on XX/XX/2020 therefore I contacted my mortgage company AGAIN the first week of XXXX. They said they would email the documents. I waited on hold for ten minutes and was told the documents would be emailed shortly. I still have not received the documents by mail or email although this process was started nearing two months ago. As a Veteran I worry they are just trying to get me to default on my mortgage and take my home. I am not sure where to turn as I am ready to make my new monthly payment but since I have not officially signed the new agreement I have been advised by multiple customer service reps not to send payment as it will only be applied to the past due balance that is supposed to be moved to the end due to this modification.

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 2020-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: FL

Complaint narrative:
I sent XXXX XXXX XXXX a certified letter for verification that was signed for on XX/XX/2020 asking this collector to verify that the account they are reporting is verified with the original contact I have with them bearing mysignature, instead they only sent a letter back saying it was verified. XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon further research, Debtor 's creditor did not verify this collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house.

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 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house.

Company response to consumer: Closed with explanation