vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one DISCOVER FIN SVCS LLC with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my XXXX  report XXXX XXXX XXXX  with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It says in XX/XX/XXXX I opened an account with transunion, which then lowered my credit score by almost 30 points. I have not opened a new account recently so I am just confused.

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 2020-11-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The following accounts were fraudulently opened by someone without my knowledge or consent : XX/XX/XXXX Bank of America Credit Card {$2200.00} charged off XX/XX/XXXX not mine. 
XX/XX/XXXX XXXX XXXX XXXX  Credit  Card. {$610.00} charged off XX/XX/XXXX XXXX XXXX XXXX  Credit Card-open date unkown, currently in collections with XXXX XXXX {$610.00} charged off placed for collections XX/XX/XXXX XXXX XXXX open date unknown {$3000.00} currently in collections with XXXX XXXX XXXX placed for collections XX/XX/XXXX XXXX  opened around XX/XX/XXXX {$1100.00} currently in collections with XXXX  XXXX  I have contacted the credit bureaus to dispute these accounts but their investigation has come back that these are valid. All these account were opened around the same time period which was XXXX XXXX. 
I moved from XXXX XXXX XXXX XXXX to XXXX, Ca.

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 2020-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX2020 I received several alerts about a new collection account that was added to my credit report from I.C System from a cable bill/company XXXX. At the time I was not familiar with the debt because I had never received anything in the mail from them. When I called them on XX/XX/XXXX2020 they told me that they did not have to send me anything because XXXX sent me a bill in XXXX. 

I told them it is my understanding that I should have received something from them via mail or a phone call even. I confirmed my name and contact info and requested that they send me something in the mail. I received my first letter from them on XX/XX/XXXX2020 which was 13 days after it posted to my account and 11 days from the original/first letter that they sent to me ( dated XXXX/XXXX/2020 ). 

After I received the letter I called on XX/XX/XXXX2020 and spoke to XXXX employer ID XXXX and he told me that they attempted to send letters to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX but all of them were cancelled and never mailed out because of COVID. I then asked them how were they not able to mail me any to validate the debt but was able to send me to collections and he said because it was a different department. 

We that being said, per the FDCPA I didn't ; receive my letter until XX/XX/XXXX2020 which was 13 days after it posted to my credit report. That is a violation

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 2020-11-16 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On Saturday, XXXX/XXXX/2020, I called for my balance around XXXX XXXX. I was told I had over {$1200.00} balance left. I went to the mechanic to pay for repairs on my car. At XXXX XXXX, I was told that I was denied. I called American Express and found out that they had lowered my credit limit right after I called. When I explained the situation, I was told that I could pay them over {$180.00} right there and then to get my old credit limit restored. I am warning others to beware of working with American Express. 

The facts are they lowered my limit after I checked my balance. And, they tried to blackmail me to restore the limits. This is not a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
CONTINENTAL SERVICE GROUP INC A DEBT COLLECTION AGENCY Tell XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor Fake Account XXXX Name XXXX XXXX  XXXX Total {$50.00} Reason, I never studied in this college and they didnt accept my admission application, and they were keep sending me email for admission form fees with out accepting my applicant, even I filed this college complain about their XXXX  behavior to Dept of Education during the application process I want to take a legal step after logging this case to CFBP, please see in your attention .for immediate any queries, its my direct number XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full

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 2020-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Spark Capital One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut my business down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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}.

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 XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX 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 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 2020-11-16 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}.

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 XXXX XXXX, XXXX  and the subsequent response received on XXXX XXXX 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 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 2020-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
I had several problems with DHI lender and underwriting. I was told we would close on the house XX/XX/2020. Today is XX/XX/2020 and I was told on XX/XX/2020 that my Income was too high for down payment assistance. I was lied to in XXXX and was given false disclosures. I was asked to extend my lease and also to drain my 401k to pay down credit cards. As Im writing this today Ive drained all my money living in a hotel because I was told I was closing XXXX XXXX XXXX XXXX. Dhi made it impossible for us to qualify and close on the house. I was promised a refrigerator since Dr XXXX built the wrong house on the lot that we wanted in the first place. The refrigerator was already installed in the home. Ive spent over {$2500.00} extending my lease moving into a hotel and storage fees. Again Im left without a home with no where to go. DHI never wanted to sell us the home. They discounted the house and made it impossible for a XXXX XXXX couple close on the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Back in XX/XX/2019 my TJX synchrony Bank store card was lost in the area and someone was using it to buy things at the store totaling {$3100.00} charges started on XX/XX/2019 through XX/XX/2019. I never received a call from the bank to verify if I was making the charges and this was not a normal spending pattern for me and they increased my credit line which I knew nothing about either. They allowed the person to go over my credit line and never called to verify charges. Then I call them when I noticed my card was lost and got a bill with unauthorized charges around end of XX/XX/2019 and they send me the affidavit and stop the card. I sent back the affidavit. Then I get a letter stating in XXXX that they are working on it and then I get a letter later stating that I benefited form it or authorized it and since I have had them reopen the case And I did everything asked of me. I filed a police report, I filed an identity theft report and affidavit and I have been making payments on this balance because I dont want it to affect my credit but I again sent them a letter to dispute again.

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 2020-11-16 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
My daughter who was XXXX years old had XXXX  appointment with XXXX XXXX XXXX in XXXX XXXX, Ca. 
Upon her visit we gave them our insurance. I told front office NOT to perform XXXX  and to make sure that if there any extra to charges to clear them with me. While waiting I received phone call and had to step outside. In the meantime, without my authorization they have performed XXXX XXXX which is toxic to the human body and to the teenagers and they have done an unauthorized XXXX. 
I refused to pay for something which was not authorized and instead they referred this account to the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 {$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 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 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a new Chase Total checking account and received 2 direct deposits. The bank paid me {$200.00} for doing so. Next I was accepted for a new job where the employer deposited a {$500.00} deposit only check into my account. The bank would no longer allow me access to my online account, locked me out from my debit card and wouldn't even let me withdraw from my other direct deposits at the bank. I would call and they would hang up on me repetitively and play games with the phone line. I was told that the check bounced and was fraud. I don't believe this is true. Nonetheless I was told that they were closing my account after they penalized me {$12.00} for the {$500.00} deposit only check. They then finally after 2 weeks sent me a check of my remaining balance. I was told to never try to open an account with Chase again. The fraud department just hung up on me too.

Company response to consumer: Closed with explanation