vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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:
I recently bought all three of my credit reports to find out Im a victim of identity fraud. I reached out to Equifax and sent them all my documents and they still refuse to remove these fraud accounts. I need the CFPB to step in and over see these

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a Tj Maxx credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.

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 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
On XX/XX/2021 I received notice that my escrow account was short {$3900.00}. Which this does not seem to be accurate. I then received my new monthly mortgage statement showing my new monthly payment was doubled and starting on XX/XX/2021 my new payment going forward is to be $ XXXX.I did some investigating and I believe the escrow shortage has been grossly miscalculated. The Specialized Loan Servicing company that is handling my mortgage now will not pick up the phone and I have remained on hold for over 30 mins each time I call and can not get through to anyone. I need help as I can not afford this new payment amount.

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 2021-05-24 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: MA

Complaint narrative:
On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to Transunion, XXXX, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries

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 2021-05-24 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a customer of Barclaycard and have XXXX of their high-end XXXX XXXXXXXX XXXX products. I live in XXXX, Texas. On XX/XX/2020, someone charged nearly {$800.00} twice at a lumber supply company in upstate New York. We disputed the charge. Two months later, a letter arrived telling us that the merchant had provided information to demonstrate we were liable for the charges. I called the number on XX/XX/XXXX. They said they would send the information that the merchant had provided. Two weeks later, when nothing had arrived, I called. I waited on hold for 30 minutes. They person who answered said that he could tell that the information was mailed to me on XX/XX/XXXX, 6 days after my call. I have now waited another week. It's XX/XX/XXXX. Nothing has come yet. As I type this, I have been on hold another 30 minutes. This is not acceptable service. We were not in upstate New York buying lumber the day before XXXX XXXXXXXX XXXX XXXXXXXX. Someone clearly committed fraud with our card. This company is not taking care of it.

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 2021-05-24 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: EQUIFAX, INC.
State: KY

Complaint narrative:
This is to inform that XXXX XXXX and Equifax have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is to inform that XXXX, Experian, and XXXX have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.

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 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: KS

Complaint narrative:
I had been with discover credit card company since XX/XX/2020. I immediately set up automatic payments to be processed on the XXXX of every month from my banks ( XXXX XXXX XXXX ) savings account. Every time on the XXXX, discover sends me a text and an email saying my payment was RECEIVED but couple days later, I get hit with a returned payment fee of approximately XXXX dollars three or four times before the payment actually goes through despite having sufficient balance in my savings account. I tried to talk to my bank to resolve this issue which was also unsuccessful. This has been happening since XXXX of last year and I have been charged 12 times for returned payment fee by Discover. Last month, for instance, discover sent me a text as well as an email saying my payment of {$57.00} was RECEIVED. I called a discover agent and asked if the payment actually went thru and if it was received by discover as they say it was. The agent affirmed that the payment went through and reassured me that I have nothing to worry about. Few days later, discover charges me returned payment fees despite having sufficient funds in my bank account. This has been an extremely frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid with my credit card for a trip with XXXX XXXX  on XX/XX/2020, for known reasons of the COVID 19 pandemic, the trip was canceled and the XXXX Shipping company returned the amount of {$6400.00} to my Chase bank credit account. USD which is reflected in my account statement dated XX/XX/2020, however that same date I call the bank and requested that the money be transferred to my savings account with the same Chase Bank. And the person who took the call told me that the money couldnt no be transferred to the savings account. Without giving me any explanation or reason why the transfer can not be done, but she told me that she was going to send a check for that amount to the address that I have registered in XXXX California,. However to this date I have not received any check or transfer of this money, I have called on several occasions and I have had contact with different executives and institution`s who had not giving me a reason for the problem that exist., The last executive with whom I had contact with, informed me that they had already tracked the money which had been deposited in a checking account with termination XXXX which does not correspond to me As of today Chase bank does not take responsibility for their mistake.Because of this situationI have develop a condition called XXXX XXXX caused by anxieyi this condition is a XXXX XXXX that prevents me from traveling to fix this matter personally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Velocity Portfolio Group
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I received an email from MoneyLion ( issued by XXXX ) on XX/XX/2021 in my personal XXXX account states that " Your new MoneyLion Debit Mastercard is on its way ''. Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. I called MoneyLion XXXX XXXX XXXX on XX/XX/2021 and spoke to a representative, XXXX XXXX, once she verified some basic information about myself, she was able to close the unauthorized XXXX  account ( checking account ), and sent me an email. As my understanding, my identity information ( name, date of birth, SSN, address, email ) was stolen. I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I placed fraud alert on XXXX, XXXX, XXXX, and XXXX. Thank you in advance. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
A company called National Credit Adjusters has been continuously harassing me for months to collect money and refuses to accept that I have no business with them and owe them nothing. I've filed multiple complaints about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
Experian is reporting an alleged account. I have disputed this account on numerous occasions. Experian keep saying that this alleged account has been verified but XXXX  will not send me documentation of the alleged account. A bill is NOT Documentation. Experian is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the XXXX  of nunneries of 609 letters and they are continuing to do the same thing. Experian knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit

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 2021-05-24 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: ND

Complaint narrative:
I was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a XXXX XXXX credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.

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 2021-05-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, Equifax, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, XXXX, and Experian. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries

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 2021-05-24 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Please provide bank statements for the months of XX/XX/2021 and XX/XX/2021 showing legal verification of ending balance to reflect the amount owed. 
please provide verification of all credits applied to reflect ending balance owed. 
Note : my account was closed by XXXX XXXX XXXXXXXX XX/XX/2021 and if my account was closed do to balance owed the XXXX to XXXX bank statements would reflect a balance owed since bank statements are official verification of all funds in the account. Final bank account statements to determine account balance are legal verification provided by the bank giving legal verification on balances and all transactions and are legal verification for money owed, credits and all other transactions regarding your account please provide Verification for Account Abuse statement reported. 
Note : it was reported by XXXX XXXX XXXXXXXX that Account Abuse existed with my account. 
Please provide all verification that you used to reach your decision regarding my complaint.

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TN

Complaint narrative:
Vance and Huffman LLC entered on my credit report in XX/XX/XXXX a past due account under the company name XXXX XXXX XXXX. I contacted them twice by phone, as well as disputed with XXXX  credit bureau. XXXX  closed my dispute saying Vance & Huffman said they confirmed this is my past due account. The second time I called Vance & Huffman, they provided a copy of the supposed check signed by me XX/XX/XXXX in XXXX, NM. The check not only does not have my signature, but the address underneath my name XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX does not exist, and of course have not lived there. The company listed on the check is XXXX XXXX XXXX using address XXXX XXXX XXXX XXXX XXXX, NM XXXX which comes up as an automotive repair shop of some kind under a completely different name. Additionally, I have lived near XXXX, NY since about XX/XX/XXXX, and have not even been inside the state of NM. Of course I have also never heard of XXXX XXXX, nor ever been into an XXXX XXXX XXXX store location anywhere. Vance & Huffman at this time has not confirmed they will remove from my credit bureau accounts, and continues to question this fraudulent charge, and therefore do not know what to do next. Vance & Huffman now also has entered the account onto my XXXX credit report fraudulently. I have also filed a Federal Trade Commission Identity Theft Report under reference # XXXX and do not know what to do. I have a credit freeze, and fraud alerts placed as well. Seeking additional advice as well because there was never a credit check/inquiry for XXXX XXXX XXXX XXXX to give the $ XXXX out under my name, which is now hurting my personal finances with low credit scores. If not resolved, I would appreciate professional advice on potential legal action I can take as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Hello sir, I have an account at bank of America ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ). 
On XX/XX/XXXX, I went to deposit a check directly to the banker with an amount of XXXX $ ( check number XXXX ) but I found that I got rolled and there is a fraud on that deposit because the banker deposit the amount of XXXX $ what means that the banker took XXXX dollars from my account. Also the bank debited the amount of XXXX from my employer. 
I have been trying to contact the bank and cooperate with no success. I have been told that they will verify and get back to but never gave me my money back since I filed the complaint in XXXX. 
I really appreciate you assistance and help on this frustrating scam matter. 
Best 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 monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been receiving calls for over a year now from XXXX and XXXX  telling me that I owe debt to Allied Cash Advance. I have never taken a loan out with Allied Cash Advance and I have asked on several occasions for them to send me paperwork showing where I did and what this is all about. They have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/2017 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