vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I made a payment to for a private XXXX College student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my Exquifax reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX College and XXXX to make sure information was updated on their end. XXXX was, XXXX College 's wasn't. I start a dispute with XXXX  and Equifax on XX/XX/XXXX. I call XXXX College and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my XXXX  dispute was resolved. On XX/XX/XXXX, my Equifax dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my Equifax dispute, yet it was still not denied. I open another dispute with XXXX on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start XXXX  school in XXXX in 2 weeks and I needed to apply for a XXXX loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there are unauthorized inquiries on my credit file. I have been requested to remove those. however Equifax did not remove those.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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:
Upon checking a recent copy of my credit report, I have discovered a Charge-Off account appears under XXXX with a balance of {$3100.00}. I am unaware if having any charge off accounts with XXXX. Please remove this information immediately as it is inaccurate, and is severely limiting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
The payments that I call in to my mortgage company ( Carrington Mortgage ) continue to be placed on another persons account. I first noticed this happening in XX/XX/XXXX. At that time I spoke with several people at my mortgage company who  admitted the mistake. Nothing was done and I went around in circles. I wasted my valuable time and suffered with much stress over this. The issue was finally resolved in XX/XX/XXXX. At this point I thought this was a fluke and it would not happen again. 
I then called in a payment on XX/XX/XXXX and then two payments on XX/XX/XXXX. At that point I still took it for granted that my payments had been placed on my account for the mortgage of my home. 
Today, XX/XX/XXXX I called in another payment. When I called this payment in they told me that I wass in arrears XXXX, XXXX, XXXX and XXXX. I was transferred to a specialist named XXXX. XXXX found the payments and told me they were once again applied to another account. I expressed my distress and told her that I have already been through this one time before. The previous lengthy process created much undue stress, wasted my valuable time and negatively impacted my credit. XXXX told me that was in the past and not her concern. Her lack of empathy enraged me. 
The phone conversation ended with XXXX stating that she would pass the information on to her supervisor. I asked for her supervisors contact information and she told me that she could not give it to me. I then asked when her supervisor would be in contact with me and she stated it would be within 24 hours. I did hesitantly make another payment today while I was on the phone with her and got my confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I got repeated calls to my cell two days in a row. I asked them to mail me a letter never received one. I never got a letter for my 30 days right to dispute. They simply placed the collections on my credit reports without sending a right to dispute letter violating the fair debt collection law. They also have an account that is currently involved in a lawsuit for a car accident and settlement is set for XX/XX/XXXX. This account should not be on my credit reports at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: NY

Complaint narrative:
I had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.

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 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
Company has consistently told me this was funded it has net been, they are holding me accountable for this loan that was never received.I have asked to cancel I have been told I can not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I finally logged into my XXXX yesterday XX/XX/2020 and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. Please let me know what are the proper steps in taking these off.

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 2020-01-14 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX   and XXXX  but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 {$4400.00}. 
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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -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 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI

Complaint narrative:
I am writing, again in regards to an issue with Second Round LP. I have received a summons from the courts regarding this account. I have also submitted a letter to Second around LP requesting a proper debt validation. I am attaching a copy of my dispute results from XXXX  which has deleted this account from my credit file. I am also curious as to why the court paper work showing the debt collector as XXXX XXXX XXXX XXXX. I am requesting a proper debt validation be done. XXXX  has deleted this account from my credit file. Proof is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: GreenSky, LLC
State: CA

Complaint narrative:
I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX  and XXXX but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed XXXX inquiries that should not be there. I already sent in a few for XXXX  and XXXX  but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I applied for the loan to pay off a higher interest loan. I have all the calls recorded. The original loan was with XXXX XXXX. XXXX XXXX said they would honor the date of the check. Lending Club failed to send a paper check. It took an additional 12 days for them to figure out the funds were denied. They then sent the loans directly to my account to pay off XXXX XXXX. In those 12 days I accrued {$240.00} in interest. I have called several times. I have been told someone would call me back. I have been told a manager will call me back. Lending Club said they would not provide proof of payment and they would not refund me the XXXX. XXXX XXXX from the customer advocacy department called me once. She left a voicemail. I have called her 4 to 5 times now leaving voicemails every time I have called. They have since sent me a {$50.00} credit. Which I have not cashed. I was told today once again someone would call me back. I was also told that nobody was available. I told them I would rather wait. The representative told me he would be ending the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Have attempted multiple times to submit Freeze on Equifax website, following their online instructions. When I attempt to submit I get a message telling me that I can not submit a Freeze at this time. 

I have attempted to call equifax and can only get to a voice message that instructs on how to get a Credit report & how much it will cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I was contacted by my bank as they were concerned that some of the recent transactions on my account were not done by me. 

After reviewing my account I confirmed that several transaction on my account were in fact fraudulent. 
The transaction details led me to this company as the processor of the fraudulent transaction. 
I contacted them to let them know that my card information was stolen and used with their company to processes fraudulent transactions. 
They were not willing to help at all and even claimed I sent them a copy of my ID to prove it was me that sent the money. I was able to get the phone number and email address that was used by the criminals and neither of which belonged to me. 
I asked for a copy of the ID they claim I sent and the IP address where this transaction originated but they refused to provide it. 
It is very clear that they are party to the fraud and they are more interested in protecting the members of their fraud ring instead of preventing fraud They are treating me like the criminal and the criminal like the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I've made request to receive a copy of all denial letters in regards to my previous loan modification requests. 

Bank of America has not provided these letters.

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 2020-01-14 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I went shopping with my father in XXXX, XXXX.We got out of the taxi and as soon as we did a guy acted like he recognized us and said he was a waiter at the XXXX ( where we were staying ). He continued to talk to us and ask if we wanted to see the shop his family just opened. It was XXXX block down and across the street, so we said sure. I looked at a pair of earrings and they said they were {$120.00} but I could get it for {$65.00}. I commented that they werent even marked to be silver and he said his grandmother must have forgotten to stamp them. I figured they were pretty enough for costume jewelry and I didnt care. They said they preferred to be paid by credit card to build their rating. They scanned the card and another person was talking to me. There were 3 of them in the shop. They said they were having an issue with the internet and went to the front of the store. This was the only time I took out my card when I was in town or used it that day. They did not give me a receipt or have me sign. They gave me a certificate of authenticity which I knew was false for that price and they hand wrote {$65.00}. 
As soon as I got to my room I went online and seen there were 2 charges on my card. One for {$1000.00} from a XXXX XXXX XXXX and one for {$860.00} for XXXX XXXX XXXX. There wasnt anything for {$65.00}. I immediately called Capital One ( this was within 2 hrs. of shopping ) and reported it. The gentleman I spoke with said he would cancel the card and report it as fraud. I thought it was taken care of. While unpacking I just threw out the certificate of authenticity knowing it was garbage and thinking I didnt need it. Then just before XXXX I read a letter from Capital one stating that it was determined it wasnt fraud and was paid. Evidentially because they were in possession of my card its not considered fraud even though I didnt authorize the charges or sign for them. This is WRONG. I called Capital One on XX/XX/XXXX and spoke with a manager. I then filed a dispute. They were unable to give me contact information from the vendors and did not care that I didn't sign for the purchases. They said I had to contact the vendor which is impossible via the internet. 
I brought the earring into a jeweler I use, and he confirmed there costume jewelry and not worth more than {$30.00}. I have included a statement from him. 
This is wrong just because they're holding my card they can charge as much as they want and charge via another vendor and not have to prove anything when reported immediately as incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My college daughter made purchases and overdrafted her account by {$1.00}. We had previously been told they had a {$5.00} threshold for overdraft fees. They then charged 4 overdraft {$36.00} overdraft fees. When we called they said the fees are assessed on available balance. We did not know this and had been banking here for years. We were also told that since she was opted into overdraft coverage she gets charged for each item that hits the account that day. We explained we knew nothing of any of this. We previously kept high balances in our accounts. We recently had a sudden death in the family and depleted our balances. In the past we could call and ask for an explanation of charges no one ever even took the time to explain it they just refunded the fees. Now they we are in a lower balance situation we get a full explanation with no refund. Im concerned this is discrimination

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Intermex Wire Transfer, LLC
State: TX

Complaint narrative:
I was contacted by my bank as they were concerned that some of the recent transactions on my account were not done by me. 

After reviewing my account I confirmed that several transaction on my account were in fact fraudulent. 
The transaction details led me to this company as the processor of the fraudulent transaction. 
I contacted them to let them know that my card information was stolen and used with their company to processes fraudulent transactions. 
They were not willing to help at all and even claimed I sent them a copy of my ID to prove it was me that sent the money. I was able to get the phone number and email address that was used by the criminals and neither of which belonged to me. 
I asked for a copy of the ID they claim I sent and the IP address where this transaction originated but they refused to provide it. 
It is very clear that they are party to the fraud and they are more interested in protecting the members of their fraud ring instead of preventing fraud They are treating me like the criminal and the criminal like the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my credit report a card is listed that is not mine. I contacted Citi-Bank and they do not have a card issued under my social. 

It says the card was opened in 2005. 
I am refinancing and the payment of {$33.00} is showing late. This is not my card. 
I am trying to refinance my home can you please help? EXPO/CB is the Card referenced on the credit report. See below : cid : 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