vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
As knowledge has been given to me, I have tried to verify the information with my lender in regard to the source of my loan. I have accused my lender of using my name and credit to generate a security fund and then lend me my own money. I applied for a loan, I did not sign up to be the source of a mortgage backed security. According to the knowledge I have obtained, my simple XXXX XXXX dollar ( $ XXXXusd ) loan request was transformed into a mortgage back security that produce XXXX XXXX and XXXX XXXX dollars ( $ XXXXusd ) from the Federal Reserve Bank and then another XXXX XXXX XXXX XXXX XXXX dollars ( XXXXusd ) from investors. I have requested a Securitization Audit from my lender with no reply. If my mortgage identification number has a security attached to it, then the knowledge must be true and my lender has me in debt with my own money and credit. If my lender used its own money, then no security will be found. If my lender can disprove my claim, then I will resume my payments. If my lender used my name and credit and had me pay myself, then I claim all XXXX  XXXX XXXX XXXX XXXX Dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase Credit account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: GA

Complaint narrative:
I have tried to have Equifax remove XXXX XXXX XXXX  off my report since last year, the account was fraud and it was sent to a collection agency. I got in touch with the collection agency and they informed me that the account was closed on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. I sent the letter the collection agency sent me about the account and they still wont remove it. At this point I feel like they are not doing there job due to how can an account come back verified when I have sent in the documentation from the collection agency showing the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: GA

Complaint narrative:
On XX/XX/2020 I sent out letters and havent had a response yet I wont these items remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent out letters and havent had a response yet I wont these items remove

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 2020-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: LA

Complaint narrative:
Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I talked to Transunion about the issue several times about this issue I have 11 unknown hard inquiries they told me they where going to remove the each time I called still hasnt XXXX back off my report I would like them remove permanently off of my 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 2020-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
I was told to reset my 4 digit pin and was told I wouldn't have any more problems. This was friday and Saturday of last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I notice a Checking Account XXXX open recently without consent or permission of acknowledgement with unauthorized charged to the credit account ending ... XXXX showed incorrect balance and fees added, this is absolute an unfair practice or mistake by the bank institution, under FCRA these mistakes and unfair practice shall be address immediately and will not be responsible to the consumer or customer that's affect by it. Please send proof of authorization within 5 business days and remove incorrect balance, and close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The company Credit Collection Services representing XXXX, where I had an account with their supposed company XXXX, did not notify me of the debt in writing to give me the option to dispute the debt. The first time I was notified of the debt is when it hit my credit report dropping my score. I was bullied and pressured into paying the debt bc they insidiously waited for me to attempt to close on a property and obtain a mortgage to force me to pay. I didnt want to lose the deal and the money I put into it so I decided to pay it bc it dropped my credit score which would make me ineligible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Ok so one XXXX XXXX I found out that my Reliacard account for my Pennsylvania unemployment was deactivated. I have been told lies and misleading information time after time not to mention being treated like garbage when calling customer service. I still as of today XXXX XXXX can not access my unemployment money and have been told there is nothing I can do at all I have to just sit and wait for the documents to be reviewed and the account to be reactivated. Problem is they don't notify you if the account is deactivated and the website, mobile app and automated system all say that my balance is available for use and has not changed this entire time. The department responsible for reviewing my documents and reactivating my account have no way to contact them directly and the customer service department has no authority to activate the account. I was told several times that once the documents were excepted it would be 24-48 hrs to reactivate the account and after sending countless fax of the documents I was told would be excepted I found out that what I was told about the expired drivers license was not true and had to go get a replacement so I uploaded everything once again for the 100th time and on XX/XX/XXXX they excepted the documents and now XXXX XXXX and they are still reviewing them. Now the people in customer service are telling me that the time frame to activate is not 24-48 hrs like I was told before by several different representatives but in fact it could take up to 15 days. This account is the only income I have and all the money I have to my name.

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 2020-10-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
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 XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Today XX/XX/XXXX my phone just got a text that my credit was just checked and I never authorized a check for anything. I think someone is using my information without my consent and it may be my ex I'm not sure.I have text alerts when my information has been used and this isn't the first time this has happened. Text said it was XXXX FINANCIAL and it went to my email address as well. It has to be someone close to me that did this. My last name been changed for over a year I got married in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. 

Credit Control Corporation Balance {$300.00} ** Balance {$120.00} *** Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. 

Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
XX/XX/20 payment amount : {$210.00}. Prior to current payment past due. The loan company ( XXXX XXXX XXXX ) only deferred one-time payment for the ( XX/XX/20 ) payment, which didnt help much because a week or two later the another payment was due. This company doesnt refinance loans, offer Payment plans and or provide extension for payments. I have called and pledged with the loan company regarding my current financial situation. I do make partial payment when Im not able to pay the full amount. I keep a good line of communication with the loan company when changes need to be made on the account or any issue with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
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 XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
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 XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified ADJ SVC Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. 

XXXX XXXX XXXX Balance {$300.00} ** Balance {$120.00} *** Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. 

Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Approximately around XX/XX/XXXX I called bridgecrest and I spoke with someone regarding that I do not work full time hours anymore due to convid. I was told that my auto loan could be pushed back, so now XX/XX/XXXX I am in the process of moving and my credit score is being pulled and my auto loan is reflecting negative on my credit score which is why I am having a very difficult time getting approved for homes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I opened a prepaid debit card with Bluebird that is part of American Express. I didnt have the account for very long. I lost the prepaid debit card around XX/XX/XXXX. I was not aware that on XX/XX/XXXX, the prepaid debit card account had been locked due to an issue I was not made aware of. When I received a copy of my credit profile recently, I noticed that a name had been transmitted to XXXX XXXX that I hadnt ever used. 

When I signed up for the prepaid debit card I had done so under just my maiden last name of XXXX. I am not sure how the debit card ended up with a different last name that I had not used. 

When I attempted to contact customer service on XX/XX/XXXX, I was given multiple excuses as to why I havent been able to resolve the issue and have the prepaid account closed out. Eventually I was told that supposedly there was a negative balance of {$72.00} owed and they wanted the money to close out the prepaid debit card account. I asked for proof and attempted to update my email address to receive communications regarding such. When I brought up the fact that prepaid debit cards can not be overdrawn, I was hung up on. 

I called back and I was then told I needed to call back within 1-2 business days from XX/XX/XXXX. 

Because of these mistakes I was never allowed to properly update my last name, I was never made aware of the fact the prepaid debit card account had the wrong last name, and I was never made aware that I supposedly owed the company {$72.00}, which supposedly was owed back in XXXX of XXXX. 

As far as I know, prepaid debit card accounts can not be overdrawn and consumers can not incur a debt to a financial institution in that manner. 

I never received any notices on the mail that I supposedly owed this money and the only email that was supposedly sent out was on XX/XX/XXXX, which provided that since the prepaid debit card account had been inactive for many years that such was going to be closed out. 

When the customer service associates realized I did not have the prepaid debit card in my possession and could not provide the account number is when they had refused to truly assist me with the issues above. However, when I call into the toll free number and use my social security number is how I am able to establish that there is still an account with Bluebird.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: CA

Complaint narrative:
I have multiple hard inquires that I did not do. I tried to solve it with Transunion and contacting the creditors. Transunion hasn't replied its been over 30 days!

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