vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT EDXXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXXE XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}

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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing this as I just got off the phone with the Chase fraud dept after waiting 6 weeks for them to tell me they were not going to return the nearly {$7400.00} that was removed via ACH transactions. There were multiple transactions starting with {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$1.00}, {$9.00}, {$3.00}, and {$9.00} which were deposits. 

Since they were deposits and were in my savings acct at first I didnt pay much attention because I thought they were dividends due to the amount in the account. Then as Covid was gearing up and we were dealing with my husband becoming unemployed, homeschooling, and trying to get our accountant to do our taxes etc the next few weeks the with drawls started weekly {$480.00}, {$780.00} and {$980.00} totaling {$7400.00} The source was labeled XXXX XXXX. We use XXXX XXXX and XXXX for a lot of our business transactions so at first I assumed my husband was purchasing something for business. Being at the computer more with pandemic unemployment claims etc I finally noticed the amount was unusually low and caught the activity. I then made a claim with their fraud dept. Apparently they only look at 60 days from the first transaction and will not do anything about replacing the money when it is apparent fraud. One year ago there were two with drawls totaling {$11000.00}. via ACH transfers. All at the same bank. We opened a new account and transferred the money to the new account, with their help and guidance, within a few days the ACH with drawls started happening again. We then with drew the money as cash and put it into a third account. Since the connection between the accounts in my mind was broken there was nothing for a while. Apparently regulation E, which I was not aware of, states that there is only a 60 day window to make the claim. Even if we were to claim the transaction window starting XX/XX/XXXX it would have fallen in their window. Since we did not authorize this source it atomically goes back to all transactions even if it was a tiny deposit looking like a dividend. Which then puts it passed 60 days but the large part of the stolen money was within 60! days. This EFTA was made in XXXX! The internet was not even around then. How can this still be a thing in todays time. When these hackers know how the system works. This can not be right. 

With everything going on especially XXXX - XXXX you would think that they would do something about this. Fraud is fraud. I have been a member of Chase since XXXX and am surprised at them not wanting to help at all. Have you had any experience with this situation before and can you help us get our money back from Chase. 

Thank You for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 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: I.C. System, Inc.
State: NJ

Complaint narrative:
I have Filed Paperwork for these accounts before and the companies have re reported the false info again. these accounts were due to identity theft.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent XXXX through my XXXX account to Elite Travel ( XXXX ), for a trip to XXXX from XXXX XXXX. I was given this inforation about the company through a friend who works for an airline. This company offers deals traveling, all inclusively to the XXXX, XXXX XXXX, or internationally for a discounted price. During this time XXXX XXXX only accepted " XXXX '' payments bevasue of COVID 19. Once the documents were signed ( via online ) with dates of the trip and the hotel that was " reserved '' ( XXXX XXXX ). I changed the dates ( in the beginning of XXXX XXXX of the trip to the beginning of XXXX, because of COVID-19. I have not received any confirmation update about the trip. 

I called customer service and the representative stated the they will be back in the physical office on XX/XX/XXXX and then I would receive an updates confirmation. 
The representative stated the the hotel would contact me 15 days prior of the trip, even if the reservations was cancelled ( which is a call I have not received ). 

XX/XX/XXXX had arrived and went and I still have not received any confirmation. I then contacted the company again on XX/XX/XXXX, asking for a conformation. The representative stated that I would not receive one until 15 day prior to the trip ( which was stated for the first booking and I was never contacted ). I asked to speak to the supervisor and was given an email ( XXXX ). I sent an email on XX/XX/XXXX and XXXX and did not receive any reply. I attempted to dispute it with my bank ( Wells Fargo ), but because it was a " XXXX '' transaction I was not able to dispute it.

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 2020-07-07 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-07-07 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-07-07 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to link bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, I always make my payments on time even during the pandemic, even when I struggle financially. I understand the importance of maintaining a good credit score and report, I understand that it's my reputation and my name and allows me to act in the business field, and take actions that are the right ones for me. Obligations that may lead me to results that can develop my business or even purchase houses and use my rights to take the right actions I wish to.BMW Financials has made a mistake in reporting a late payment- they had a mistake with charging the wrong account- an account that was closed, the payment has been returned and there was no notification about a payment that has been returned, nor notified us that they intend to report to the credit Bureau on a late payment! 
I called BMW Financial right away, since I know we made this payment already! and found out, that by accident they tried to charge an account that was never used before for this car- XXXX XXXX XXXX account, which was closed due to a fraud claim in the past. We logged during XX/XX/XXXX different times, in different days and there was no payment due for XXXX. XX/XX/XXXX we noticed that 2 payments had to be made, we called them and they claimed that no payment was processed during XXXX and notified us that the payment has been returned. 
I asked BMW : why no one sent us an email, called, and why is did not appear on their website that the payment was due? They claimed that they called- when I asked to which phone number, they said that they don't have that information. 
They accidentally charged the wrong bank account and now, it affected my credit and XXXX XXXX XXXX credit. 
It seems like the are careless about reporting and negligently reporting late payments of the clients. After almost 3 years of payment that has been paid by an autopay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}

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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Taylor Law, PLLC
State: NJ

Complaint narrative:
I get a phone call from representative that identified him self as XXXX XXXX   XXXX XXXX XXXX from California.Trying to collect a debit the amount of $ XXXXon behalf of IRS Debit tax collection he threat on me that if i do not agree to pay the whole amount i will get arrested or he offer me a deal to pay on spot with credit or debit card {$520.00} and it will delete te debt and case where close.I tell him that i go ahead an call 991 he told me that dint worry Sheriff Department are on there way to arrest me if i do not agree the deal.i hung up and block that nr and they call me after 10 min with different nr. Next day i contact my tax prepare to see if anything wrong and he did not find so.I log in to my IRS account nothing wrong i call IRS my self nothing wrong they suggest me to notified my lawyer and take this case over and they go ahead and open Internal investigation on this case. XXXX XXXX XXXX XXXX XXXX they not have a power to collect any debt against any USA Citizen on behalf of IRS, I do not own any XXXX to IRS, even i should own anything they tell me they will resolved on there own deducting those money from tax file and not report any debt to any attorney office

Company response to consumer: Untimely response
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 — Problem with personal statement of dispute
Company: ERC
State: TX

Complaint narrative:
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX  whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX  reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}

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 2020-07-07 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: AR

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00}

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Nationstar misstated to CFPB the process and corrective action Nationstar took in addressing the errors in my mortgage account. ( see attached letter ). 

On XX/XX/XXXX, I made a payment of {$3300.00} one week prior to the payment due date. The escrow calculation had changed from {$1400.00} to {$1600.00}. Nationstar provided no explanation for why the escrow calculation inexplicably changed in XXXX, XXXX. Again, inexplicably, Nationstar changed the escrow calculation back to {$1400.00} in XX/XX/XXXX. 

Secondly, XX/XX/XXXX I made two payments of {$3500.00} on the same date for a total of XXXX. One of those payments should have been credited to the principle balance after the other check paid interest and escrow. Instead Nationstar treated the two payments same. Each check was deposited as if it paid principle, interest and escrow resulting in double payment of interest and escrow on XX/XX/XXXX. 

Nationstar provided no evidence that the escrow account reflected these double payments. Nationstar should have reduced the balance remaining by {$3500.00} using the second payment check but did not. 

In XX/XX/XXXX, Nationstar screwed up the second payment for the escrow account by depositing the payment as a mortgage payment and had to reverse the payment for deposit into the escrow account. 

I am now requesting a full refund of the extra {$3500.00} paid in XXXX that was not recorded correctly nor accounted for in the payment schedule as a reduction in principle. Nationstar overstated my remaining balance when paying off the mortgage to XXXX XXXX. 

Nationstar miscalculated interest and escrow XX/XX/XXXX and therefore miscalculated the balance resulting in an overstatement of the {$3100.00}. This amount should be returned to me immediately with interest. The adjustments on XX/XX/XXXX of {$140.00} and {$200.00} also reflect that the payment in XX/XX/XXXX was sufficient to cover the mortgage due did not constitute a late payment of insufficient payment given those adjustments were not derived from other monthly mortgage payments. ( see attached supporting documentation )

Company response to consumer: Closed with explanation