vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: PA

Complaint narrative:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

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 2021-01-25 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: PA

Complaint narrative:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
In 2020 I closed my XXXX account. And moved my number, I paid my last bill. I started receiving calls that I owed a bill and it was sent to a collection agency call South West. XXXX gave me an address XXXX XXXX XXXX XXXX TX XXXX. I sent an email asking to get the bill, I sent a letter to South West Credit asking them to validate the debt, I never heard back from them. 

I ran my credit report on Friday, I saw XXXX bill was still on my account. I called South West Credit to dispute the bill and make a settlement. I found out that they had my wrong address and the wrong amount. 

I offered to pay half the bill to get the debt deleted from my account. They told me that I was suppose to write to them at the XXXX XXXX XXXX XXXX XXXX Texas XXXX. That address was not a contact on my credit report. 

They offered to take half the money as a settlement but not remove it from my account. 

I never got a chance to dispute the bill or they never validated the debt. When speaking to them today they said they can validate the debts now.This is after a year, they agreed my address was incorrect. They were very rude and also acted as bullies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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/XXXX i sent a letter certified mail and it was received on XX/XX/XXXX it has been well over 60 for a response and thats a violation of my consumer rights under fcra 611

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 2021-01-25 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: NY

Complaint narrative:
I submitted a FTC report on XX/XX/XXXX because I am a victim of identity theft. I have yet to receive a response from you regarding the accounts on my report. According to section 605 B, they should have been removed within 4 days of receipt of this letter. I also have learned that I was subject to the data breach in XXXX which exposed me to even more danger. These adverse accounts have affected me enough and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. XXXX XXXX, XXXX. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.

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 2021-01-25 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 {$0.00}, {$0.00}. 
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 ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2021-01-25 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: PNC Bank N.A.
State: VA

Complaint narrative:
Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX  does not allow transfers to my bank account. 
It keeps giving errors and there is no way to transfer money. 

https : //card.moneynetwork.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CARD Corporation
State: TX

Complaint narrative:
On XX/XX/2020 my family and I hired and paid for attorney services to be provided to another family member currently incarcerated. Upon hiring this attorney it was discussed with this attorney Why and what we needed her for. She took my family members case with the agreement that she would provide the service we needed her for. Instead of her doing what we hired her for she did something totally opposite of what we hired her for. Since she did things her own way instead of what we paid her for I disputed the {$250.00} transaction with my credit card provider. The merchant we paid was also sent an email stating very clearly what we expected and hired her for. My credit card provider denied my funds to be REFUNDED back to me due to the fact they said the merchant clarified I received service from them. It didn't matter if the merchant didn't do what we hired her for is what my card provider told me over the phone. The services we received weren't what we paid her to do therefore the merchant being paid for what she didn't do should not be paid to the merchant. My card provider did Nothing to fix this issue and I wasted 30 days just to receive info they wouldn't refund my money. The dispute dept was also sent documentation showing I contacted the merchant and it stated she didn't do what we hired her for therefore all of my money needs to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
XXXX 2019, costant harassment by phone calls. My sons loan, now my credit score dropped over 100pts. Even after he started paying Sallie Mae. They are very aggressive on the phone with threats. A d they the followed they and have ruined my credit. It had dropped from XXXX. Now XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 {$0.00}, {$0.00}. 
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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Credit reports were run and I never authorized nor provided my social security number to these sources. Someone has my social security without my permission. I only went to XXXX XXXX. Only was run or permitted for that source. Someone has run my credit 4 times after that completely against my permission.

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 2021-01-25 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
There was a report of a loan due from Sun Loan Company. The loan was taken out in Illinois and i have lived in Texas for more than 30 years. I had my identity stolen back in the year 2000, since then a lady has been using my social security number. She took out this loan as well as other credit cards she never paid back. I have her address in my credit account. A report to the IRS was made a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed several late payments from XXXX XXXX. I reached out to the creditor to request a goodwill forgiveness.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently checked my credit report and noticed several late payments from XXXX XXXX. I reached out to the creditor to request a goodwill forgiveness.

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday XX/XX/2021 I made a deposit with a representative at the Chase Manhattan Bank, XXXX XXXX XXXX, XXXX NY XXXX. One check was a bank check from XXXX XXXX XXXX in the amount of XXXX. The other a Federal Check in the amount of {$600.00} Chase held on to the money for 4 days and has refused to credit my account. I personally went to the bank with my Chase Debit Card and provided the checks to the Chase Representative. Chase is hanging on to my money and I have absolutely no use of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2020 I filed a complaint against Midland Funding. I was told in my first complaint to contact XXXX XXXX at ( XXXX ) XXXX ext XXXX. Well I have try several times to call her and get things settle. They do not answer the phone or even call me back. Why am I told to call someone to help me with this matter to only get ignored. I dont understand when someone is trying to settles their debt and cant get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently checked my credit report and noticed several late payments from SUNTRUST BK. I reached out to the creditor to request a goodwill forgiveness.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Continuously getting misleading feedback on the accounts being reported on my profile WITH ALL errors POSTED. I HAVE ALREADY FILED A COMPLAINT TO THE FTC OF THESE DECEPTIVE PRACTICES OF XXXX. 
These Accounts are DECEPTIVE & IN STEPS TO CIVIL LITIGATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
The company I am filing this complaint about is Amerihome. I originally applied for 3 month forbearance due to covid. I began making my payments again as agreed upon but accidentally turned in the paperwork several days late. They then sent a letter my forbearance was denied. I have called, sent emails, and letters. I have spoken with people and they say they will resend documents or send me other documents to see what I qualify for and then I receive nothing. I a trying to figure out what COVID program I may qualify for but no one will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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