vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 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 {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -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 2019-12-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a 15-day demand letter for the method of verification. I disputed inaccurate and unverifiable information with Equifax in which they came back as accurate. At that time I was paying for Equifax consumer service where I was able to see my credit report daily. After the demand letter, I was not able to see anything. I called their online customer service and they too were baffled after having 2 open tickets no one was able to see it. However, I went into myequifax.com where I have access to the breach and I am able to see my information dated XX/XX/XXXX. 

I received a stalling letter from Equifax stating that it was unable to locate any file with the address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX, however, I have attached 2 files on page 240 dated XX/XX/XXXX present address is listed and on page 157 XX/XX/XXXX both with that address. 

Equifax 's blatant disregard for FCRA has affected me adversely has I needed to move by XX/XX/XXXX. Because of Equifax 's continued reporting of this inaccurate information will be homeless by XX/XX/XXXX, as I got a 1-month extension. 

Additionally, I started additional disputes that should have been completed by XX/XX/XXXX per Equifax 's own estimation. Those requests too are stuck in never-never land, and when calling the representative they could give no answer as to when the dispute would be closed. 

Additionally, in XX/XX/XXXX XXXX XXXX XXXX notified the bureaus to delete items. I emailed and have disputed items with Equifax and their response is it has come back verified. How is that possible when this letter exists stating to remove it. Equifax never even took the time to conduct a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX STILL REPORTING A FAKE ACCOUNT THAT WAS FTC THEY NEED TO FIX THIS ASAP AND BBVA ALSO SENT FTC AND POLICE REPORT DO THEY NEED A BLOOD TEST ALSO??????

XXXX  XXXX AND XXXX 
XXXX XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit 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 non-monetary relief
Consumer complaint received 2019-12-31 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 {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}.

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 ) --  OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -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 2019-12-31 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 {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: NY

Complaint narrative:
The account on my credit report is inaccurate and unverified.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit 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 2019-12-31 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: NY

Complaint narrative:
The account on my credit report is inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: NY

Complaint narrative:
The account on my credit report is inaccurate and unverified.

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 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank cancelled my year old Citibank Double Cash Rewards credit card based on a lie and refused to credit my earned cash rewards. Citibank closed a previous account a few weeks ago, claiming it was skimmed. Citibank issued a new card. I went to their website to make sure it was set to AutoPay as before from my existing Citibank checking account, selected as a pulldown from a list of all my Citibank accounts. A couple of days ago, I tried to use my card and it was declined. I called and spoke with several agents. One agent looked into the problem. He saw that the Citibank account number in their system was missing a single zero. He fixed to problem, returned my {$25.00} fee and said all was good. We processed a {$2700.00} payment to the card account. A day later, the card was declined again. I called several agents again. A manager looked at the problem, said he was furious for me that his would happen. I paid my full balance every month and the card should be reinstated. He filed an internal complaint to upper management, saying I would receive a call back. Today, someone from Citibank, calling themselves XXXX XXXX, ( XXXX ) called me. I explained the whole issue and she told me the account was closed with no option to reopen. She called me a liar and said that I entered the error when typing my account number. I told her I typed nothing, but picked the account from the pulldown list. She called me a liar again. I asked what happened to all my Double Cash Rewards Points. She said they were forfeited. I asked her how she can mistreat a paying customer over a single zero   typo error, whether Citibank made it or I made it. She said that's it. Account closed. She claimed that everyone is treated the same. To me, this is clearly fraud. I have screenshots from the Citibank website showing my accounts listed in the pulldown. I did not need to enter any numbers. Her claim that I typed the wrong number, when she knows full well that I did not, is a lie and a fraudulent basis to close my account. By her claiming my already earned Double Cash Reward Points were forfeited is clearly theft. I want to open a case against Citibank for defrauding me of my account and my already earned cash reward points. This is unconscionable behavior which must be punished. I would not be surprised to learn this person has defrauded and stolen from many others the same way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My loan servicing company gave me a payoff ( see attachment XXXX XXXX for XXXX, XXXX, XXXX with the projected payoff date of XX/XX/XXXX in the amount off {$800.00}. This is total amount of interest, {$12.00}, fees of {$720.00} XXXX break-down {$210.00} in XXXX XXXX, {$490.00} in XXXX, {$6.00} XXXX pres ), $ XXXX. and release fee of {$68.00} totaling {$800.00} which I paid please see attachment bank statement showing the withdrawal from my bank on XXXX XXXX in the amount of {$800.00} I have made repeated attempts to pay off my home, after making the above requested payoff I find addition fees with now having a additional payoff amount ( see attachment ) being {$240.00} with the principal balance {$0.00} interest {$0.00} fees {$170.00}, release fee {$68.00} ( the math is wrong ) ( see attached payoff dated XXXX XXXX ) I then call to inquire why, never really getting a satisfying response I paid the {$0.00} for the principal balance with the customer service by XXXX ACH PMT of {$1.00} then was later reversed leaving me with a principal balance off {$0.00}, but I also had my bank pay {$1.00} please see attachment, but I still have a principal balance of {$0.00}. 

These fees are fraudulent, and unsubstantiated after repeated requested to provide proof of fees, I was never provided proof and was told they didn't have too, and XXXX time I was told the fees included a abandoned property fee XXXX, {$250.00} paid to the city of XXXX, after talking to the city and proving that never happen it was then change to winterization fee, also never happen. The XXXX inspection report dated XX/XX/XXXX shows a fee of onl {$18.00} inspection, the inspector states it was only a visual inspection with no walk-thur completed and signs of rehab, I had a house fire XX/XX/XXXX and my Mortgage company took advantage of me then and continue to do so. I paid these fraudulent fees and still after paying new ones come right back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: AL

Complaint narrative:
I received a live check in the mail from Republic Finance and I didnt cash it. It was picked up by a family member and deposited into her account without my knowledge. I disregarded correspondence with this company because I assumed it was junk mail. Around the time they started legal action against me for a wage garnishment I was the primary XXXX for my XXXX XXXX  mother. I dont remember even receiving a court summons. My Mom eventually succumbed to XXXX XXXX and I went back to work and was surprised to find a big chunk of my pay missing. I have repeatedly informed this company that I didnt cash this check and this garnishment is causing me such extreme hardship that my utilities were disconnected and my XXXX year old daughter didnt get anything for XXXX. I cant afford to wait on them to keep investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: GA

Complaint narrative:
The collection agency has used deceptive practices by serving me at an address that they knew that I did not reside at because they pulled my credit. I also did not know that this company won in court a default judgment in which I had a judge vacate because I was never properly served. 

I also sent a letter to validate the debt not knowing that I had even lost a case with USPS tracking number XXXX that clearly states on my return information that my address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX. They replied to my parent 's address. The only reason I found out was my dad had XXXX on XX/XX/2019 and I went home to help him with his recovery and that's when I went to court to get a motion to vacate. 

This company practices deceptive practices and should be punished for its willful violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Earlier this month I filed a complaint with this agency regarding Bank of America having denied my application for the Bankamericard. CFPB sent my complaint to Bank of America. 

Regarding my original complaint I received two separate messages left on our answering machine to call XXXX ext. XXXX, one message from XXXX XXXX, the other message left by XXXX XXXX, employed by Bank of Americas regulatory complaint servicing department. 

The message left by XXXX XXXX instructed me to call her back no later than,XX/XX/2019 by XXXX XXXX mountain standard time. 

I have attempted to return the calls from XXXX and XXXX four times and have left messages with XXXX voicemail each time as the calls have gone straight to voicemail. 

As of this time, no one from Bank of America has responded to the detailed responses I left in XXXX voicemail box. 

I can not understand why that XXXX was specific for me to return her call by XX/XX/2019, but even though I was out of town, I left my cellphone number with the voicemail message that she nor XXXX XXXX have returned my call. 

Please let your contact at Bank of America know that I have in good faith attempted to return the two calls left on my landlines answering machine. 

Please ask Bank of America to not mark nor handle this follow-up complaint as a duplicate complaint as an excuse to not address it with good faith that it deserves to match the good faith in which it is presented in the hope to resolve the original complaint to continue the previous good relationship that has beneficial to both the bank and to me. 

Because neither XXXX nor XXXX have returned my calls, any reasonable person would believe that, not only is this unprofessional, it only adds to the prevailing public perception of large banks, that they are to big to fail and therefore they could care less what their customers believe about their less than professional decisions or if we believe that the banks employees want to help its 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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I look my credit report and I found fraudulent account that I did not open. This has been very stressful for me. I am trying to get this item of my credit report asap .Thank you.

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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.

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 2019-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
I had this loan for about 2 almost 3 years my income changed around XX/XX/XXXX and had issues keep up with the payments. that's when the calling and emailing started they would contact me every hour by email and phone about my account I told them over the phone and by email they they no longer have my permission to contact me by my cell phone or email. I told them they can correspond by mail. they stopped for about 6 months and began to call my cellphone again around XX/XX/XXXX leaving messages for my husband when I told them not to call my cell it was distraction at my job. I had not gotten anything in the mail for the last 3 months. I've tired calling but the line disconnects each time a associate comes on the phone and they continue to call my cellphone leaving messages for my husband when they have is number leaving voicemails on his cell as well. When I asked to refi my loan when my income changed they refused.

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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.

Company response to consumer: Closed with non-monetary relief