vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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 {$10000.00}, {$3300.00}, {$240.00}, {$890.00}, {$510.00}. 
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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

5. XX/XX/XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: U.S. BANCORP
State: CT

Complaint narrative:
I never authorized this company to run my credit.I need this inquiry removed from my credit immediately.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
TRS Recovery Services contacted me about a returned payment from XXXX for {$17.00}. A statutory returned check service fee for XXXX was also issued. The total amount coming to {$41.00}. The item was returned to XXXX ( backup attached ). XXXX has confirmed this item was returned. This is now considered resolved and TRS will need to close.

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 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I never authorized this company to run my credit.I need this inquiry removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CT

Complaint narrative:
I never authorized this company to run my credit.I need this inquiry removed from my credit immediately.

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 2021-03-25 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/21 around XXXX XXXX  : I used the Chase Sapphire credit card to make a purchase at XXXX XXXX in XXXX, CA. I made a purchase of {$540.00} at the store and went home that night. 

XX/XX/21 around XXXX XXXX  : I called Chase to report that my credit card is missing and that there are fraudulent charges on the card. The Chase representative went over the charges one by one with me for the past two days and assured me that the fraudulent charges will be taken care of. The fraudulent charges consist of {$200.00} at XXXX XXXX, {$410.00} at XXXX, {$520.00} at Theory, and {$1300.00} at XXXX XXXX, for a total of {$2500.00}. 

XX/XX/21 around XXXX XXXX  : I received a call from Chase 's representative informing that my claim was denied because the transaction time between what I reported was a my legitimate transaction and what I claimed was the fraudulent transaction at XXXX XXXX was too close to be possible. The representative claimed that there was only 21 seconds between my transaction and the fraudulent transaction. I tried to explain that anything could have happened within the 21 seconds. I tried to give some hypothetical scenario and the representative accused me of " changing my statement. '' The representative then told me that I can appeal the transaction but then based on the " evidence '' that Chase collected the claim was denied and I was implied to have defrauded the bank. 

I contacted a sales representative from XXXX XXXX, the store where I believed I have lost my credit card, and asked for assistance. 

XX/XX/21 : In my credit card history I can see that the previously reversed charges have been placed back into the amount that I owe on the statement. 

XX/XX/21 : XXXX XXXX XXXX sales representative was able to confirm that the two charges on my card at the store had a time gap of approximately 21 mins and not the 21 seconds that Chase 's representative stated found in their record. They also said that they have record of the transactions having different customer ID and different recorded customer information. Also they were able to prove that the two signatures on the two transaction was completely different. With this information I have filed a police report with the XXXX Police Department. 

XX/XX/21 : I have emailed the case representative and Chase about this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6XXXX XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northeast Recovery Solutions, LLC
State: TX

Complaint narrative:
I keep getting calls from a company called Nationwide Recovery System regarding some person name XXXX. I've told several people from this same agency that they have the wrong number and they will not stop calling my on my personal cell phone. I do not know a person named XXXX and my cell phone is in my name XXXX XXXX and have had the same phone number for years. They call me at least once or twice a day from the same XXXX number and will not stop calling even after explaining this is the wrong number. I've received calls on my phone from other numbers as well from the same company XXXX NRS. This company will not stop calling me and I have perfect credit don't own anything to anyone.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-25 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: OH

Complaint narrative:
Please update all of my personal information on EQUIFAX, XXXX, and XXXX 

I would like all the names, phone numbers, and addresses along with removing any co applicant or spouse from my report My only name is XXXX XXXX My only phone number is XXXX My only address is XXXX XXXX XXXX XXXX, Ohio XXXX My only employer is XXXX i am self employed. 

There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I moved out of XXXX XXXX XXXX as agreed per the rental agreement XXXX XX/XX/XXXX, no new rental agreement was signed. I. Q. Data International is charging {$5700.00} for one month rent XX/XX/XXXX - XX/XX/XXXX. I have made several attempts to contact them requesting proof I signed a new lease with no success of receiving this information. At this time IQ Data is a debt collector who refuse to remove this nasty, negative, erroneous item off of my credit report. I am now being charged astronomical, outrageous, and enormous excessive fees which I never occurred as they refuse to return my deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
My mortgage was placed in Covid Assistance Payment plan XX/XX/2020. In XXXX I started a refi. Broker. XXXX XXXX XXXX ID XXXX This was to be a stated income refi My credentials. Credit Score. XXXX A years worth of deposits averaging XXXX monthly. Provided and average way above that Only debt. Lease car XXXX left. Tractor XXXX left. Co signed on grand daughter car XXXX. No credit card debt. We agreed to pay off lease and tractor thru refi Mortgage left on house XXXX. Appraised at XXXX XXXX Biggest stipulation was a balloon payment on the forebearance out of pocket. I had to make over a XXXX payment to satisfy the lender Underwriter has constantly delayed and messed around on this loan. XXXX and Acra management many times telling me that I was way qualified for this refi but waiting for underwriter to approve. 
XX/XX/XXXX I get a text that underwriter has mistakenly sent out to me adverse notification and both XXXX And XXXX conference call me to apologize and ignore. XX/XX/XXXX the letters arrive three times today XX/XX/XXXX I was informed that the underwriter decided he cant reinstate the loan and we need to start over Its been 4 months. Im in worse financial crisis now with the forced XXXX balloon payment That money was to be part of the loan back to me. Property taxes are due shortly. Ive paid out of pocket for the appraisal and this company treats it as a joke The excuses and blaming on their part is unacceptable. They have been provided with a years worth of documentation regarding current and past lender Ive been told Im more then qualify esp with XXXX equity in my home. 
Now Im out XXXX that as a senior citizen I desperately needed and now read that a balloon payment was wrong on their part Please help XXXX XXXX XXXX XXXX XXXX Acra Lending Services NMCS ID XXXX Adverse letter signed XXXX XXXX XXXX Lending XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have had Barclay credit card for almost 5 years. I paid my credit card off and then a payment hit from XXXX. It went two months without being paid and never received a phone call. If it was way more I wouldve received a phone call. Well it hit my credit report for a delinquency over {$4.00}. Ive never missed a payment since I have owned the card. It killed my credit score. I just want it removed or a note added to 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 2021-03-25 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: SC

Complaint narrative:
I am looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
the following account on my credit have been reporting the wrong amount and is incorrect on my credit report causing me not to be able to get anything with me credit, and the amounts are wrong on this account. The account was removed off my report then added back at random dropping my credit score 79 points attached is my credit report with the account removed and a screen shot of the account re added to my report dropping my score 79 points

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 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the 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 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Received a letter informing us my husband was lucky, that XXXX XXXX was willing to accept a greatly reduced amount of money in order to cancel a loan. We wrote informing them there was never such a loan ... wrong party. Today we received a letter wanting everything from social security numbers, drivers license numbers, etc.and to have this informative letter notarized. I called XXXX XXXX ... they have no loan as described by the letter. The company sending the letter is Convergent Outsourcing, Inc.XXXX XXXX, XXXX, XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ... The loan is to be for {$3000.00} ... 

At this point, having made several inquiries, we are suspicious this is not a legitimate investigation. We are unwilling to release our personal and private information, such as social security numbers, drivers license numbers, etc to this company. Any advice would be greatly appreciated.

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 2021-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I withdrew {$600.00} ( XXXX $ XXXX ) on XX/XX/2021 from my Citibank checking account at a Citibank ATM  located in a Citibank branch at XXXX XXXX XXXX XXXX in XXXX, California. I then deposited that same {$600.00} back into that same ATM machine in order to pay a {$560.00} balance that I had due on a Citibank credit card. I have done this before many times and never had a problem. 

When I attempted to deposit the {$600.00}, however, the ATM took the {$600.00}, but then immediately put up an error message saying that it had experience a technical problem and could process the credit card payment and also could not return my {$600.00}. It gave me a receipt showing an error and told me to call a XXXX number. 

I understand that ATMs sometimes malfunction. I had assumed that if I notified Citibank and had them open up the ATM machine, they would find my XXXX $ XXXX. I initiated a dispute with Citibank and asked them to investigate. I offered multiple times to provide them the receipts that the ATM had provided showing an error message. They declined saying it wasn't necessary. 

Citibank contacted me today stating that they had concluded their investigation and not found any evidence of the {$600.00} I put in. This is clearly incorrect. I can easily make {$600.00} at my job with less time and effort so I'm not running a scam here to defraud Citibank of {$600.00}. At the same time, I am obviously not about to let Citibank simply keep my {$600.00}. I have asked them to investigate again and, after demanding it, did get them to agree to let me fax them a copy of the ATM receipt showing an error message. However, at this point, I have no confidence at all in Citibank 's ability to investigate this matter. 

I can certainly sue Citibank, but I'm wondering if there is anything the CFPB can do to assist. Thanks. 

I am attaching the two receipts the ATM machine spit out at me when it malfunctioned. The first shows that it had encountered an error. The second receipt shows that I was indeed trying to pay a credit card balance of {$560.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information on XXXX XXXX TRANSUNION, XXXX XXXX I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.

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 2021-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
The National Service Bureau called my fianc trying to find me for a XXXX  debt in 2019.They also gave her all the information about my debt which is illegal. I never receive any information on this debt until I called, then I had to pay right then and there or they were going to start the process to suspend my license.

Company response to consumer: Closed with explanation