vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I was celebrating a friends birthday with a group of people in XXXX XXXX at a location called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I noticed multiple fraudulent transactions totaling {XXXX} from XXXX XXXX on my AMEX credit card. I immediately called to report the fraud. The claim was denied, and I was told that XXXX had surveillance footage of me at the location as well as signed receipts. I told them surveillance footage did not prove anything as I admit I was at the location but I did not authorize the charges. I requested copies of the evidence, AMEX informed they sent them but I told them I did not receive it. I proceeded to appeal the fraud multiple times, the last time being XX/XX/2019. I called on XX/XX/2019 to find out what was going on and was finally informed that the evidence was attached in my online banking. I reviewed the evidence, and can confirm that the signatures are not mine. This is signature fraud. I informed the AMEX customer service representative XXXX XXXX - employee ID XXXX ) who refused to acknowledge what I was saying. I'm extremely frustrated at the way this was handled by AMEX. According to the fair credit reporting act I should not be liable for these charges however, AMEX is refusing to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the repossession of the subject vehicle and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void

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 2019-07-05 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the repossession of the subject vehicle and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void

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 2019-07-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax failed to verify the accuracy reporting on the account XXXX XXXX  XXXX. ..The accounts is current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX 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 2019-07-05 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX and XXXX XXXXT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am so confused where Experian and XXXX  get this public information Chapter XXXX Bankruptcy XXXX XXXX XXXX The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.

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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am so confused where XXXX  and Transunion get this public information Chapter XXXX Bankruptcy Discharged XXXX .. The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.

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 2019-07-05 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: MD

Complaint narrative:
My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 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: FactorTrust, Inc.
State: RI

Complaint narrative:
I checked my XXXX, factor trust XXXX  and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date opened XXXX/XXXX/XXXX {$400.00} 7 )  XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ri XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ri XXXX 3 )  XXXX XXXX XXXX XXXX XXXX , ri XXXX 4 ) XXXX XXXX XXXX XXXX , RI XXXX 5 ) XXXX XXXX XXXX XXXX , ri XXXX 6 ) XXXX XXXX XXXX XXXX , ri XXXX 7 ) XXXX XXXX XXXX XXXX , MA XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXXXXXX 10 ) XXXX XXXX 11 )  XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX  14 )  XXXX XXXX XXXXXXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX   XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: MD

Complaint narrative:
My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.

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 2019-07-05 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: MD

Complaint narrative:
My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.

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 2019-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC.
State: AZ

Complaint narrative:
Applied for a fha loan to buy a house. The lender Summit Funding. They Advised that everything was set to close and was approved by the underwriter. After I was advised how much my down payment was. Took money out of my XXXX for this house. Got all transfer papers from employers. On the day of close they push it out until they spoke to my employer. Which was done. The broker with XXXX XXXX XXXX XXXX, Az. Advised they had all document approved and the date was set to meet with the title company. So I took the day off work to fly out and start my new journey this my new home. As a first time buyer. When I got to XXXX. The Lender said they could not accept the call hey made to XXXX XXXX. I even had to pay the appraisal fee and sign all Closing documents. It was not right. Please help, mind you Im a single parent and been with XXXX XXXX for over 7 years. I have not got my earnest money back from XXXX XXXX. All this and didn't approve me for this house. Summit Funding made me pay for appraisal fee to not to be approved to by in the amount of XXXX. Its not fair. Even gave up housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ive removed the same fraud alert almost seven times with all bearues now and experian continues to keep this on my profile even after me sending the requested documentation that was asked from me including my social security card and copy of my id ( state issued ) this issue still persist with no avail

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 2019-07-05 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: LEXISNEXIS
State: RI

Complaint narrative:
I checked my XXXX, XXXX XXXX XXXX  and lexisnexis reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX  {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) 2XXXX XXXX XXXX XXXX XXXX XXXX  02909 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX wrong phone numbers 1 ) XXXX-XXXX-XXXX  2 ) XXXX-XXXX-XXXX 3 ) XXXX-XXXX-XXXX 4 ) XXXX-XXXX-XXXX 5 ) XXXX-XXXX-XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX XXXX-XXXXXX/XX/XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXXl 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX  18 ) XXXX XXXX XXXX 19 ) XXXX XXXX  20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: Innovis
State: RI

Complaint narrative:
I checked my Innovis, XXXX XXXX XXXX and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXXXXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX{$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX{$870.00} 5 ) XXXX XXXX XXXX  `date opened XX/XX/XXXX{$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX0 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX  Inquiries I didn't allow 1 ) XXXX 2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX XXXX 22 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX   7 ) XXXX XXXX XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX  11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 XXXX XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX  19 ) XXXX XXXX 20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX  22 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal ingores and refuses to remove a payment method, even after requests, from an account that does not and should not be associated with the payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Hi my wife and I refinanced our existing fha mortgage 1st week of this past XXXX to consolidate some debts with loan depot. The process from start date of about early XXXX until closing XX/XX/2019 was the most brutal, highly stressed, misinforming, agonizing process my wife and I have ever had to deal with. XXXX XXXX was our loan officer who at one point left us hanging with no communication for 2 weeks until her manager XXXX XXXX got involved and took over apologizing for XXXX actions and how she handled this. XXXX was just as bad with communication, lingering, and ended up having XXXX retake over the loan without informing, which i gave a second chance to just move forward and finish the loan but shouldve known better with so many red flags that we were not represented properly. We were also told lies that we found out after closing. One lie was we were told we would be recieving about {$8000.00} escrow refund check from XXXX XXXX XXXX our first mortgage. I recently inquired and found out it was about {$850.00}, huge difference and complete lie. Second lie was that we can apply to hud after closing to get prorated return premium on our up front mortgage insurance premium on first loan with XXXX XXXX XXXX. That was a lie as well after we spoke to hud, hud explained there would be no return premium and that a credit was applied already to loan depot loan, which is completely fraudulent on XXXX XXXX and loan depot. Also our closing disclosure kept changing and also changed on us right before closing with amount of cash to close at table around {$23000.00} and we continued and went thru just to get over this long brutal process that we could not imagine starting over again with another company. Also keep in mind we were told we would get back {$8000.00} escrow check and a prorated return premium for up front mortgage insurance which we only had the first mortgage for about 2 years so we thought several thousand dollars since we did pay about {$6000.00} on 1st loan. Another lie after Hud informed us not true. We thought we would be getting back $ 10-12k dollars back in checks which is the main reason we put down so much to refinance, otherwise it doesnt even make financial sense. This loan from begining to end between XXXX and manager XXXX, was completely disturbing, fraudulent, misrepresented, and unethical. Our livelihood is on the table and not taken into consideration not 1 %. This was cruel, unethical, incompetent on their behalf, fraudulent, and wrong on so many level. They should be held responsible for all this at the highest level possible and their license should also be questioned and they both should be investigated as im sure im not the first or last consumer who has dealt with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: MO

Complaint narrative:
I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts.

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.

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