vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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 {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
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 ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/29 I purchased a game for my son just prior to leaving him with my babysitter while I went out of town for the weekend. When I arrived at my destination, my credit card wouldnt work and I found out it was because my XXXX son had somehow charged {$980.00} onto my card through the XXXX  ( in app purchases ). I contacted XXXX immediately, after having the phone turned off and the game never played again, to let them know about this and requested a refund for all of it. They refused. I wrote them back explaining the scenario that somehow in the 15min window in which I put my passcode in, my son was able to continually purchase over and over and over. They didnt care, refused it again. I then called my bank, because of covid, it took hours to get a hold of the dispute department. After explaining everything, I was told by Chase that they take the stand with XXXX and that these were all authorized in their opinion because I chose to have my credit card information in my phone. I explained to them that I had no idea about this exception for the 15 min window, they did not care, asked if I had anything else they could help me with. Refused to do anything. 
I understand its my responsibility as a parent, to watch my child or have someone else who is capable to watch them. But one doesnt know this hidden rule that XXXX has and being responsible for {$1000.00} for in app purchases is absolutely ridiculous. Its so inappropriate to not even listen to what is going on. This was not an XXXX young adult, this was a XXXX XXXX XXXX who has no idea what he was doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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 {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
While processing a payment for an online purchase through PayPal, I was the victim of Identity theft. I thought I was communicating with a PayPal employee ; however, someone intercepted and instructed me to use a link to fix a problem with my account. I was using my debit card. In the space of a few minutes, the criminal transferred four payments from my bank account amounting to a total of {$2400.00}. As soon as I realized what was happening I ended the call and attempted to contact PayPal without success. I then called the credit card company and cancelled the card. I notified my bank immediately and they refused to pay PayPal for the transferred pending amount when they found out I had been victimized. I registered complaints with PayPay explaining that I did not authorize the payments. They were negligent because they failed to monitor my account. The purchases were way out of line for my customary types of purchases. I never made purchases that amounted to more than {$150.00}. They should have questioned the 4 transactions because the purchases totalled {$2400.00} and were placed within a period of a few minutes. I contacted the PayPal customer service department who transferred me to their Resolution Department. Three attempts were made to resolve the problem, but they refused to work in my behalf. They informed me the payments were not unauthorized. The incident happened on XX/XX/2020. PayPal has assigned a collection agency to collect the {$2400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: CONTRACT CALLERS INC
State: UT

Complaint narrative:
Contract Callers Inc XXXX - I did not receive a 30 day right to dispute this debt as it wasn't owing because it had been paid. This should not be reporting on my credit report as I never received a statement.

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Observed this company post a trade line on my XXXX  report on XX/XX/2020. Have received no correspondence from company as to who they are, what they are attempting to collect, etc.

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 2020-05-04 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:
I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.

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 2020-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/2020 : received a call that I missed in which they left a voicemail stating they were calling me as a legal representative in regards to a case number and that they would now have to contact my employer to locate me. Then given the number to XXXX to call. 

I called to find out what it was because I thought it was something in regards to my unemployment benefits since Im currently out of work and needing the assistance. I was then told it was for ace cash express and I needed to pay XXXX and I stated I couldnt pay that right now so they gave me an amount of XXXX for by-weekly installments I was driving and asked if I can call back and the representative said if I hung up she would mark me as refusal to pay. I was driving.. I ended up disconnecting as I got to my destination. 

XX/XX/2020 : I received a second call from the legal representative in which she ends the call with my name and you will be located .... in a threatening manor. So I call the 855 number left again and was then trying to figure out more information about the legitimacy of this company but they refused to answer when I asked who they were. And so I hung up. 

I felt intimated and then just reached back out to same number and got a representative on the line who then placed me on hold and transferred me to the representative from from. I then explained to her at this point I wasnt able to fulfill an agreement of paying the amount of XXXX dollars BI-WEEKLY as I wasnt working right now due to corona and not expected to return back to work at the end of month. Hopefully. She then said she was going to put me on hold and see if she can talk to in-house counsel to hold off. She placed me on a 1 minute hold and said nope they cant hold off, so she is going to have to put me down as refusal to pay. and an officer was going to locate me at my address to take me to court. I didnt refuse to pay anything nor have I ever refused to pay this company, I have had little to no contact that I can recall from ace to collect payment back on my payday loan borrowed.. I tried to work with their hired debt collector to see if I can  pay when I began working and they refused. So now they are threatening to serve me and cost me XXXX of court fines from a XXXX dollar loan I owed in which I was paying on through payments.. I feel as this is unfair to me as I wasnt given much option to pay back what I owed especially since Im out of work right now and have no income to pay. I feel just harassed at the fact I was threatened to have officers look for me at my old job, home, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I called back and emailed to request PMI be removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest. previously I told them that I had filed for XXXX and I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI. I was also inquiring about COVID-19 relief and was told someone would call me back and I have not received a call back so disappointing. I am also being charged a late fee during COVID-19 and requested time and relief. This is serious no response when customers need it please help I can only imagine that I am not the only person this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This is regard Citibank, There was about 6 transaction ... ..that came from XXXX XXXX which is Frad because i never used my Citibank card that has to do with XXXX ... .The only suspect was probably when i went to the drive through to despite my money around XX/XX/XXXX there was a man ( with no car ) playing with the ATM at the drive through, for what reason he was doing there ; i don't know maybe he hacking into the machine ; i don't know but i want my money back!!! there a COVID-19 issues and i need my money ... 

I have also looked up on what XXXX XXXX is, it seem it's been going around and stealing people money ... without having to used your credit card ... so there is hacker out there ; around this horrible time of moment, stealing people money.

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 2020-05-04 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, 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 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I initiated funds transfer from my debit card Way2gocard-Mastercard to transfers funds to my checking account. The wire was initiated on XX/XX/20 for1100.00 the amount was deducted from the card, but the funds never made it to mybank. 

I called the customer service # provided and it is an automated number, No help at all. 
Contacted the bank that issued the card XXXX XXXX  and they could not help me. 
They refered me back to the automated # which does not have operators. 

I need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: FL

Complaint narrative:
AFFIDAVIT OF TRUTH In response and correspondence too investigation results. These results are unlawful I XXXX, XXXX never entered into a contract with third party creditor therefore there has never been an agreement for debt. Produce an original contact that this creditor has produced to you. I also sent you an affidavit asking for the bonds of these banks, my affidavit ask for Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission  regulation I have not seen these bonds produced therefore all of the debts being claimed must be removed from my credit report, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not proven to be operating correctly in commerce. This correspondence is being reported to the federal trade commission I look forward to the removal of all third- debt, non-bonded and Obligated creditors thank you. 
I am officially requesting the following : 1 ) You produce the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law 2 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 3 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 
You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   ACC # XXXX XXXX XXXX ACC  # XXXX XXXX XXXX ACC # XXXX XXXXXXXXACC # XXXX XXXX XXXXACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   XXXX  ACC # XXXX XXXX XXXX XXXX   ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}

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 2020-05-04 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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}

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