vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -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 2021-01-11 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: SC

Complaint narrative:
I've sent multiple letters to Equifax asking for an investigation and a copy of my updated credit report. The attached letter dated XX/XX/2020 was sent multiple times because I didn't send certified and could not track it. I didn't receive a response to this letter. I sent the exact same letter again and this one was delivered on XX/XX/2020. I was able to track it since I sent it certified. I have yet to receive an updated credit report or proper investigation. It has been way more than 30 days. I even gave them extra time due to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.

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 2021-01-11 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:
There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
From XX/XX/XXXX-XX/XX/2020, my Citi Bank credit card was stolen and used to make 14 charges that amounted to about {$3100.00}. During that time I was XXXX with XXXX  and was quarantined and in recovery. I made many attempts to inform Citi Bank I was not responsible for these charges however, they are still claiming I am liable to pay for the charges because during investigation I told them 'I always have the card in my possession. ' In response to this I asked if they had mailed me a new card because the one on my person was expired and XXXX the representative ignored my question twice. However, a few weeks later I spoke to XXXX, Supervisor at Citi Bank, and she informed me a new card was sent to me in the mail and we concluded this card was stolen from the mail and was used to incur the charges. XXXX told me she would recommend my responsibility for the charges would be dropped since the card was stolen from the mail but that has yet to be completed and I am still held liable for these charges.

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 2021-01-11 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: SC

Complaint narrative:
Experian has not responded to my disputes and has not responded to any of my disputes. The last dispute was sent on XX/XX/2020 and delivered to XX/XX/2020. They have yet to respond or investigate properly.

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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Ditech transferred my home loan to Shellpoint Mortgaging in XX/XX/XXXX. When covid-19 hit in XX/XX/XXXX, I was placed on forbearance which should have stopped late fees and the monthly payments. I read the fine print on the forbearance agreement stating that I would be responsible for FULL payment of my balance upon its completion. Therefore, I continued to pay monthly payments throughout the forbearance period. Starting in XX/XX/XXXX, I began receiving foreclosure mailings via certified and regular mail, I should not have been threatened with foreclosure as I was in forbearance and was paying my mortgage. When contacting customer service, I mentioned that my monthly statements were always incorrect, having late fees that should not have been accrued during forbearance and on average, my payments were indicated as three to four months behind. I was further informed that " The statements are never correct and we can not control the certified and other mailings because they automatically go out. '' Shellpoint is notorious for late reporting on payments, price gouging, and threats of foreclosure. They make it impossible on paper to " catch up '' on your balance and I feel, just want to take your property at all costs. They are insensitive to those being impacted financially by covid-19. My most recent conversation on XX/XX/XXXX, resulted in my review of the current monthly statement ( which stated that I was four payments behind again. ) The customer service representative said, " No, actually this statement is incorrect and you only owe " {$220.00} to be current for XX/XX/XXXX. '' I want to stop the threats of foreclosure as they are not warranted ( I now am in forbearance until XX/XX/XXXX. ) I also want Shellpoint to mail ACCURATE statements monthly, reporting payments in a timely manner, withholding unnecessary late fees, and stop bullying consumers into draining their savings in playing the impossible " catch up '' game. This company has the WORST online rating and someone needs to file a lawsuit for their despicable practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We closed on a 1st Mortgage with LoanDepot.com, LLC on XX/XX/XXXX in the amount of {$500000.00}. There were several errors on this closing - all to our detriment : 1. Per LoanDepot 's Closing Disclosure, LoanDepot withheld at escrow {$150000.00} at closing to pay off a 1st mortgage with XXXX XXXX. XXXX XXXX  reports receiving only {$150000.00} for the loan payoff ( which was sufficient to payoff the loan ). There is a missing {$360000.00}. 
2. LoanDepot withheld at closing {$4100.00} for the purpose of paying the property tax bill due XX/XX/XXXX ; however, the prior lender already paid the XX/XX/XXXX taxes. Most importantly, base on a search of the County of XXXX records, it does not appear the County received the overpayment {$4100.00}. There is a additional missing {$4100.00}. 
3. There was additional {$250.00} error in the escrow. 
I have reached out to LoanDepot several times, first in writing on XX/XX/XXXX. I have reach out to the servicing department, the origination department and the escalation group - with no response. Total missing funds are {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
Experian has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. Experian did not show evidence on how they verified the negative 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 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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:
Equifax has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I have not received evidence of proper verification or an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed these collection with the credit bureaus 3 months ago and have not received results. I find it weird that XXXX was the only one who deleted the accounts. All the other bureaus have not even conducted an investigation. If they have, I am 100 % sure that they were not able to verify the debts because XXXX couldn't. Don't they get the information from the same creditors? Hmmm. Anyways it has been over 30 days and after doing some research of my own I realized that these accounts must be deleted because the investigation took longer than 30 days 611 ( a ). 
Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. TransUnion also have not shown evidence on how they verified the negative 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 2021-01-11 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: VA

Complaint narrative:
I recently reached out to the XXXX because of an account that is showing up on my credit report. I notified them letting them know that the account # XXXX was incorrect and doesn't belong to me. I asked them to remove the information because it was reporting wrong information. I asked them to send me information about hw they verified it with the original furnisher and they didn't send me anything from the city of XXXX. They said they already looked into it and wasn't going to do it again. At this point I feel like my request is being ignored and pushed to the side. I don't undertsand how XXXX is saying one thing, experian is saying something else and XXXX doesn't show anything at all. There is no account on XXXX and I told Experian and XXXX the say thing.

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 2021-01-11 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: SC

Complaint narrative:
Experian has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. Experian did not show evidence on how they verified the negative 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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Two Accounts was recently inaccurately reinserted back onto my Transunion credit report without 5 business days notice as required by law. 

XXXX XXXX XXXX inaccurately reinserted ; violation of FCRA rules XXXX XXXX XXXX XXXX inaccurately reinserted ; violation of FCRA rules

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 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The billing statement with closing date XX/XX/XXXX Account ending XXXX, the pay overtime direct, pay overtime travel, pay overtime select, promotional sign & travel rate expired, promotional pay overtime direct rate expired and cash advances. Neither of the above features did I agree or gave consent to add and apply these features to my billing statements. Just like in the pass also American Express added additional car rental insurance fees features to my billing statements without my agreement and identity theft protection features also without my agreement. This is a violation of the TILA act law adding features to my billing statements without my agreement or consent. On the billing statement XX/XX/XXXX on page 5 of 5 of important notice EFT Error Resolution Notice it states we will investigate your complaint and will correct any error promptly. if we take more than 10 business days to do this, we will credit your account for the amount you think is in error. In this case the total balance is in error this complaint has been in dispute several occasions most recently on XX/XX/XXXX with me and CFPB with no response, therefore its been more than 10 business days and they will have to honor their XX/XX/XXXX billing statement on page 5 of 5 of the EFT Error Resolution Notice statement,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
I wS informed that I would be receiving a card with my stimulus money on it and I never received it. When I look it up it states that I received it. But I never received anything. How it that possible

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 2021-01-11 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Account was previously reported to CFPB and ARS responded stating that the account in question was opened on XX/XX/2020. However, ARS is reporting this account as opened on XX/XX/2020 on XXXX and XXXX. They are reporting the account as opened and closed on my report. Also there are other inaccuracies and erroneous reporting that I have mentioned in my last dispute to the credit bureaus. Copies have been mailed and faxed to ARS. This reporting violates my rights and need to be removed from my credit report immediately as stated by the FCRA.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXX has my name as XXXX and I have never had that name, nor did I give consent for them to enable numerous creditors and other agengies to have access to my personal information. I disputed their false report and they have yet to fix the wrong name on their report. 

Additionally, they have enabled numerous credit inquiries all of which were made without my permission. 

I have never been late for any bill or payment ever in my life and I have XXXX debt. 

Any information to the contrary would be false. 

Additionally, I have sought the information pertaining to the credit inquiries and have been denied this information despite my being a victim of identity theft. 

I have mailed my documents and have called to report the false reported name and experian has failed to change this false name and has neglected to give me access to my file- especially with the disclosed creditors seeking information about my personal financial history.

Company response to consumer: Closed with explanation