vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00} 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 ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -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 2020-02-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00} 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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase manhatten mortgage corporation XXXX XXXX XXXX XXXX XXXX California XXXX A CHASE PRIVATE BANK CLIENT BANK XX/XX/XXXX Telephone XXXX loan # XXXX XXXX XXXX DOLLARS states issued XXXX Certification of satisfaction states XX/XX/XXXX Tax map # Signed by XXXX XXXX vice president XX/XX/XXXX Grantor XXXX XXXX TRUSTEES XXXX XXXX AND XXXX, XXXX NOTARIZED BY XXXX XXXX XX/XX/XXXX City of XXXX XXXX, california XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX California XXXX Phone XXXX Prepared by XXXX XXXX /XXXX  My sole owned and deeded property XX/XX/XXXX GPIN # XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX va XXXX to me clear and free of all debts and clear of title and clear of anyone ever having any rights to this property as example future spouses etc as recorded in XXXX XXXX XXXX  XXXX Virginia ..my divorce from XXXX XXXX ..as per deputy XXXX  deeds register email of documents to me in XXXX. 
SOME ENTITU SET UP A CHASE PRIVATE CLIENT ACCOUNT FOR ME XXXX CALIFORNIA AS A TRUST AND WEALTH MANAGEMENT SERVICES ... .AND THEY HAVE BEEN CONTROLLING MY LIFE. CHASE PRIVATE CLIENT BANK REVEAL MY IDENTITY THIEF I want my identity and my solely owned monies reimbursed to me from these accounts for to failure to protect and secure my personal information under our laws .... MY IDENTITY THEFT IS REGISTERED AT FTC ... I reported it since XXXX and fraud activities done in my names and SSN # addresses phone etc. I am again reaching out to Chase XXXX left XXXX XXXX numerous voicemail emails and faxes of my evidence in this matter. I have asked her to give me a specific time and date to discuss these matters. I AM AGAIN REFUSED BY CHASE. I rwquested a financial crimes specialist yo investigate and contact me from chase again last week. No response. Chase private client services send me my info relating to all transactions and where my monies are or were transferred to so I can continue to climb the federal agencies of the USA TO LOCATE MY IDENTITY THIEF AND MY MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was told when I agreed to the loan that I could make extra payments at any time to be applied to principal only. I did so, but in fact the detailed records of transactions showed delays in processing, application of consequent late fees and transaction charges. When I paid only the amount owed it worked without a hitch so I gave up trying to save by paying off principal faster. Now I have wrecked the car and am paying off total and I asked for an audit. More than once. And they do not even have the courtesy to reply about my request. It is not much money. I object to the way I have been treated. I believe it may be illegal and I am certain it is not the way to treat good customers.

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 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Nationwide Title Clearing, Inc.
State: NC

Complaint narrative:
Nationwide TITLE CLEARING stated as XXXX XXXX XXXX XXXX # XXXX XXXX CALIFORNIA XXXX ON CITY OF XXXX  XXXX VA DEEDS OFFICE DEPUTY XXXX. DOCUMENT STATES AS FOLLOWS AND IS ATTACHED AS TIF FILE.. 
PREPARED A TRUST AND A PRIVATE CLIENT XXXX  ACCOUNT in my name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX STATED AND RECORDED AND ENTERRD ON XX/XX/XXXX BY CITY OF XXXX XXXX CALIFORNIA COURT AS..DOCUMENT # XXXX or XXXX as per attached XXXX file sent to me by deputy XXXX XXXX deputy clerk of the city of XXXX  XXXX va attached to ..GPIN # XXXX as recorded on document ON XX/XX/XXXX IN MY NAME XXXX XXXX TRUSTEES XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX NOTARIZED BY XXXX XXXX XXXX of XXXX California Entered XX/XX/XXXX Thru a private XXXX  client SERVICES account at XXXX private client services   bank ( I NEED THIS ACCOUNT NUMBER IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX california SIGNED BY THE VICE PRESIDENT WEALTH MANAGEMENT CLIENTS ... XXXX XXXX 
Loan # XXXX as stated on document recorded as DOCUMENT # XXXX or XXXX PREPARER by XXXX  XXXX  AT NATIONWIDE TITLE Clearing XXXX ISSUED FROM MY SOLELY owned property XXXX XXXX XXXX XXXX  XXXX va XXXX ATTACHED IS MY DEED OF XX/XX/XXXX ME AS Single individual us citizen of the USA IN MY NAME XXXX XXXX. 
THIS OFFICIALLY RECORDED AND ENTERED IN BOTH CITIES OF XXXX   XXXX VA COURT AND XXXX XXXX  CA. DOCUMENT is recorded at the city of XXXX XXXX va Deputy XXXX XXXX I am requesting all authorized documents and all linked ACCOUNTS and ALL XXXX PRIVATE CLIENT SERVICES HELD IN MY NAMES SINCE XXXX AND ALL wealth management accounts and services and insurance policies and all beneficiaries and payouts and images of front and back of all checks that were used during this prepared document by nationwide title clearing ... ON ALL THE XXXX PRIVATE CLIENT SERVICES BANK XXXX XXXX XXXX XXXX California ACCOUNTS during this transactions XX/XX/XXXX for fraud review and to recover my identity and recover my life savings stocks and other funds solely owned by me of way over a million dollars.PKYS INTEREST NOW.. I want to see who represented themselves as me XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX and the monies transferred in and out of these accounts I reserve all my legal rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/2019 I made a purchase in the amount of household items {$61.00} from a website XXXX  The website made numerous false claims, including incorrectly described merchandise, fake favorable reviews, fake XXXX  accreditation, fake customer service contact information, fake identity and address, and fake return privileges. 

I paid for the transaction via XXXX using a Bank of America credit card, and subsequently disputed the transaction with Bank of America. Additionally, the website XXXX is now subject to an active fraud warning from the XXXX XXXX XXXX ( XXXX  ), due to an extremely high volume of fraud complaints from many customers. 

Unfortunately, I have been unable to resolve this complaint. XXXX is KNOWINGLY defending merchants who process international money transfers under false identities, and KNOWINGLY defending merchants with active fraud warnings from XXXX. Bank of America has failed to address this situation in a reasonable and timely manner.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Cfpb I would like to file a complaint on Experian I sent in certified mail to them I received a letter back from he company asking me for a government issued Id first of all I wrote at the top of the page in bold stating that I attracted a copy of my dL and a copy of utility bill. I know they got it Experian are not conducting investigation I would like for Experian to submit a copy of the later that I sent to their California location. I have had so many issues with the company they dont do investigation the XXXX are to XXXX to change the status update all they do is enter the information in the comments field of the credit report that is stone cold proof that they are not conducting any investigation violating the federal law but time will tell Experian you going down here very soon when you get served betcha Please send me a copy of the dispute from two weeks ago if you cant send it these accounts are consider unverified and they must e remove I will be waiting on the copy via the cfpb website

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 2020-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ACCOUNT NO.XXXX  WAS PREVIOUSLY DELETED FOR CAUSE BY EXPERIAN SPECIAL SERVICES , XXXX TEXAS . 
THIS WAS DONE ON THE PHONE FOLLOWING FAXED IN INFORMATION PROVING RE-AGING ON THIS ACCOUNT.D.O.F.D. IS XX/XX/2013 NOT XX/XX/2013.THIS WAS DONE MANUALLY BY THE EMPLOYEE AT XXXX APPROXIMATELY 18 MONTHS AGO. 
RE-APPEARING ACCOUNT AFTER DELETION IS AN FCRA VIOLATION BY EXPERIAN THAT CARRIES STATUTORY DAMAGES. 
THE ACCOUNT IS FOR RENT, UNPAID ON DUE DATE OF XX/XX/2013. 
UNLAWFUL DETAINER WAS FILED XX/XX/2013. 
EVICTION NOTICE WAS XX/XX/2013 JUDGMENT FOR RENT, ATTORNEY FEES AND INTEREST WAS ENTERED XX/XX/2013. 
THE FCRA REQUIRES DAMAGES FOR EACH FALSE VERIFICATION REGARDLESS OF THE EXISTENCE OF NEGLIGENCE.THE FCRA/CA POLICY REQUIRES REMOVAL WITHIN 7 YEARS OF THE DATE OF FIRST DELINQUENCY. 
ATTORNEY CREDITORS WILL RECEIVE A COMPLAINT IN CA BAR COURT AS THEIR ERRORS ARE BEYOND LEGAL INCOMPETENCE.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have had multiple reports and disputes filed with EXPERIAN. EXPERIAN has indicated they comply with the Fair Credit Reporting Act. 

MY XXXXE identity Theft Protection XXXX  contractor provided a report from all three credit bureaus. on/or about Sunday XX/XX/XXXX. They had provided a report that was over a year old so I contacted them for additional ID theft services. They furnished a new credit report on XX/XX/XXXX. I have accessed that report and the information that EXPERIAN indicated had  been DELETED has NOT been deleted from the file. 

The report furnished by EXPERIAN to the CFPB went into significant detail concerning the complainant 's responsibility and what they do, but EXPERIAN filed false information with the CFPB indicating the Derogatory information reported in XX/XX/XXXX has been deleted. 

However, based on my review of the current credit report - that derogatory information is still showing on the report. IT was reported on/about XX/XX/XXXX as being removed/DELETED. 

Experian has indicated they have furnished the full report. Their electronic monitoring system and DISPUTE process continuous shows they complied with the 5- day report process upon completion of the of the investigation. This DISPUTE has not been resolved and the credit bureau has failed to comply with Federal statute in accordance with the information that has been reported 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 non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
As of today, I have not received a statement for my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 USAA is guility of ID Theft. USAA used my data to place UNAUTHORIZED charges on my XXXX  XXXX XXXX  of {$3.00}, XXXX. This overdrafted the account - {$2.00}, XXXX on my account. I had to do without food and paying rent. This is ID Theft Retaliation. I called USAA on XXXX spoke to XXXX requesting they remove my XXXX  XXXX data because I would NOT be using it to pay on ID Theft. USAA punishes me for reporting ID Theft. I contacted Social Security hooked up with XXXX XXXX to reverse payment When XXXX  XXXX told me ALL MY MONEY GONE AND OVERDRAFT FEES ACCESSED. I had a XXXX  XXXX XXXX right in lobby at XXXX  XXXX. I left went home to resolve and rest. Social Security Act section 207 prohibits debt collection from social security funds. It also is illegal to collect on ID Theft AND USAA IS GUILITY OF being an ID Theft CRIMINAL USING MY DATA TO PLACE FRAUDULENT CHARGES ON MY XXXX  XXXX BANK ACCOUNT. I have never had overdraft fees in 71 years. This was defaming my character to XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Premier Holdings
State: FL

Complaint narrative:
Company called me about an a vehicle I had and was totaled I told them issue was resolved with the insurance they said no that original creditor Had placed the debt collection with them but that I could settle for less amounts and I offered to pay {$1000.00} which I did they sent me a settlement letter and I thought I was done with that one month after I received that I owe XXXX almost {$5000.00} to another collection agent for the same situation And I spoke to them and they said that premier holdings did not forward any information to them or Forward the {$1000.00} to the original creditor so now I have a judgment against me and they have frozen my bank accounts and I have nothing

Company response to consumer: Untimely response
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed some charges on my account and was promised a credit on XX/XX/20.  I still have not received a credit and my account is negative and about to close soon. 


XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD *XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD *XXXX  - {$1000.00}

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 2020-02-05 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX XXXX did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. 

It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. 

We are disputing the 30-day late notice on our credit report for this reason.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
US DEPT OF EDUCATION/XXXX  XX/XX/XXXX = Closed Balance = $ XXXX  Monthly payment = {$0.00} Current Payment Status = 120 Days Late Is that even possible?! 

I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. It took a lot work, but I managed to bring my scores up into the mid and high 600 's by XX/XX/XXXX. 
I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later, during the first week of XX/XX/XXXX. 
I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my file. I frantically pushed my numbers as fast and as far as I could until late XXXX then I began the purchase process knowing my options would be limited but time was quickly running out. 
I finally found a lender that would accept me and just as we were about to sign, the entry shown above posted at the bureaus. I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home. 
I successfully disputed this account and they removed the notation, " last payment status = 120 days late '' last year. 
It reappeared in XXXX with a vengeance because now it shows " Current status '' = Late. On XXXX  I even saw XXXX and XXXX of last year marked in Red. That seemed to go away after I called them but the " current '' notation still stands. 
This entry has destroyed my life. I am now marked as currently delinquent by 4-6 months. Lenders laugh at me. 
Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. I would charge the U.S. Dept of Education and all 3 credit bureaus with negligence at the very least, tampering with malicious intent seems more accurate. It could become a XXXX  charge if my XXXX wife perishes because the damage from this entry forced us outdoors into XXXX. I would level these charges but, of course, I can't afford an attorney.

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 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Money taken out of my checking account for a payment I didnt authorize and has put my checking account in the negative by almost {$800.00}. 

I called and made a payment for XXXX payment that was processed on XX/XX/2020 for {$1300.00}. This includes my mortgage payment plus a {$17.00} payment processing fee. 

On XX/XX/2020, an unauthorized mortgage payment for {$1200.00} was debited from my account. 

Why is the company taking money from my account without my permission? 

I was told that because Im paying my XXXX mortgage payment in advance, Im not authorized to pay on-line. And my only options are paying by telephone with a representative for {$17.00} or by mail. 

I didnt want to take the risk of having payment lost in the mail, so I chose the telephone option. 

Now, my checking account has unauthorized drafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation