vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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 {$3400.00}. 
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 {$3400.00} -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 2020-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have evidence of submission of 6 emails with clear attachments. One attachment was not legible ... The FIRST one only. So now every single document I have forwarded thereafter gets rejected but the Computer has been stuck on XXXX for over a month. I've even spent 2 hours on the phone talkIng with CSRs that tell me to stay tuned for security to fix it. Nonetheless. Nothing has happened. This is the worst customer I have received in 30 years of banking. I'd just like to reopen my accounts if that is a possibility. The number outlined as an acct number is just my Previous profile number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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 {$3400.00}. 
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 {$3400.00} -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 2020-07-07 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 {$3400.00}. 
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 {$3400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im a victim of Identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing to fix and claim its verified.

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have a degratory mark on my credit. I received a letter said I owe XXXX for medical bill. I do not recall and do not owe them money. I contacted them, a girl said a doctor put my name on their system so they charged me. I asked for the doctor she said they dont know. I asked her to dispute it, she said she will and I told her I know this is a scam. I do not owe any medical bill. If I ever did I already paid for them. And this letter is go green something. I looked it up it is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The account is permanently restricted according to a message in the app. It has an account balance and recent deposit {$2400.00}. I received cyber bullying messages. My account and SS # has been accessed fraudulent. I'm patronized by the representative s I speak with XXXX. It's a Capital One debit MasterCard 360. I have XXXX credit cards with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: IL

Complaint narrative:
Remove the fraudulent inquiries from my consumer report

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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
Wakefield & Associates had a judgment against me. I filed Chapter XXXX Bankruptcy and was Discharged and they have failed to notify the court that I was discharged and the judgment is still showing up on my credit report. When I spoke with this company they told me it was not there job to tell the court. They also stated that I still owe the debt and can make a payment to them. No I am not making no payment this why I had to file chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well I was a victim of fraud my debit card and my wallet was stolen out of my car along with my cell phone which has no screen lock and way to much info on it to have it fall In the wrong hands. I reported it as soon as i found out my card? missing because i had to buy another phone because at first i thought i lost my phone but ended up being taken. Wells fargo bank put all the blame on me calling me a liar and not fixing my account after I called to report it stolen ... I was treated like a criminal and my money was never reimbursed .I feel wells Fargo needs to give me back my account and my money and an apology. What makes this whole thing wild is I just deposited XXXX and XXXX who does that if he is going to set up his own account to be robbed? Please let wells fargo know they need to remove these account issues please

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 2020-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: WY

Complaint narrative:
Fed Loan Servicing no longer services my loan. Fed loan was included in chapter XXXX bankruptcy. I have a new loan servicer for my loans. Fed Loan is still reporting on my credit report XXXX as negative information. This has effecting me from getting any type of credit. The balances on the account are XXXX dollars and there still reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XXXX XXXX is the holder of my loan. PHH Mortgage Services services that loan. I have been dealing with them for less than a year, and its been an absolute nightmare that only gets worse. I was unable to access my account via their website for the first 6 months. Anytime I would call I would be routed to an overseas call center, where no one knew how to help me. The one time I was able actually access my account was with the help of a customer service representative that was from the United States. Eventually, that problem got resolved. Since I have a VA loan, I requested a XXXX month forbearance of my payments, which I was approved for, but I would have to make a balloon payment when that expired. I opted out of the forbearance. However, they have twice sent correspondence to the VA telling them that I was behind in my payments. This is a complete lie. I have never fallen behind on my payments. 
I always make my payments usually a few days before the due date. I submitted my via their new and improved website. Their website said that the payment had been applied, yet it had not cleared my bank. When I rechecked the PHH website it said that I was late. When I called them, I was told that my bank rejected it as NSF. This is very surprising to me, because the money was there. I started a three-way call between my bank and PHH.  I have a recording of that call. The gentleman at my bank, XXXX XXXX, verified that the funds were there and no payment for mortgage ever came through. I resubmitted the payment during this conversation. The website, again said that the payment was applied, as of today, it says the same thing. Yet, the funds are still in my bank account waiting for them to take the payment. They are trying to force late fees, or worse, foreclosure. Why are they allowed to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
i have tried several times with Equifax and each time they have come back claiming that it is being reported accurate and this item is being reported like its a credit account but it is a judgement from court i would your help to have this item to be reported correctly. 


Equifax Account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Unable to reconnect to bank account after changing password

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
XXXX XXXX of Louisiana sent me to collections with XXXX XXXX XXXX and Mitchell D. Bluhm & Associates , LLC Attorneys at Law for a XXXX service from XX/XX/XXXX. 
1. I did not know I owed a debt to XXXX. I have not received any previous bills. 
2. There are no details about the debt or the service I received for me to verify the debt on the bill that I received from the law offices. 
3. This is the first notification I received from the collections lawyers and on the letter they threatened to report to credit agencies and they did so dropping my already suffering score 42 points. 
4. A representative from the office called and when I attempted to ask questions, that person hung up the phone while I was talking. 
5. On XX/XX/XXXX, I was temporarily laid off from my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
They continue to put hard inquiries on my report ever so often and I havent filed a credit report through this company not once. CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, yes I have 2 accounts that are showing 2 late payments on each of the 2 accounts. Both of these late payments on both accounts were from the result of my accounts and my checking accounts being fraudulently hacked into and my accounts and assets being frozen until the security breach was fixed on all my accounts. Which because of this made it to where my payments where processed by them after there security breach was fixed. Not because I failed to pay the payment. All my payments are set up on auto pay, I feel like the security breach that caused them to freeze all activity and not let my automatic payments go through was not my fault therefore I should not have to have my credit damaged because of it. Ive disputed it through XXXX XXXX  and they couldnt help me and I kinda been feeling ran over and helpless. So there is when I reviewed and found out about filing a complaint with you all. I just think its messed up that they let people hack there systems and dont protect my account informations any better than they do but then on top of that try to make me look like I dont pay my bills on time. When if there was any reason for them not pulling my payment from my checking account on time was because of a security breach or fraudulent activity on there part. Ive been building my credit for a good long while now and take pride in working hard and paying my bills on time and its just really frustrating to have some XXXX dollar cash enterprise try to take that away from me because they dont wan na admit there own weak security and processing system. I pray this reaches someone with a drive to help me. Thank you for your time and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  has a phony address on my account. It has reduced my credit score. I have been trying to correct this issue for several years and it is still on my records. I have been living at my address for almost 30 years, XXXX. The other address does not even exists. So the matter should have been corrected by now. There should be no excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
After having a credit card with Bank of America for about 14 years, I received notification in XX/XX/2020 that they were closing my account. I called them in early XX/XX/2020 to inquire about the closing of my account. I explained to them that I have never been late and require the credit card 's line of credit to be open as it will lower my credit score. Bank of America gave me a vague response noting that after a review was conducted of my account, they felt it was in the best interest of the bank to close my account. 

This was an undue burden and has shortened my average credit history, lowered my credit score, and has increased my debt to credit limit ratio overall. Consequently, the closing of this account has caused a domino effect. This is an undue burden on an XXXX XXXX service member under the Servicemember Civil Relief Act ( SCRA ).

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 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
after paying off my amazon store card the company closed my account without any warning I used my account and was in good standing and they just closed my account my credit score took a hit of 14 points I feel this is an unfair practice as COVID-19 is going on and they are closing accounts putting it customers in financial hardship when it comes to credit reporting scores

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 2020-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began disputing a negative item XXXX XXXX  XXXX XXXX that was reporting on my Experian credit reporting account in XXXX. I disputed through written communication on the following dates : XX/XX/XXXX ; XX/XX/XXXX and XXXX.I also filed a previous complaint to the CFPB ( XX/XX/XXXX ) for resolution and nothing was done to assist with this matter I never received any resolution with my disputes with Experian. I then sent a XXXX letter directly to the company XXXX XXXX  XXXX XXXX with no reply STILL to this date. I request immediate deletion

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Franklin collection shows I owe {$1300.00} on an account opened on XXXX for north Mississippi ambulatory. I was not even living in north Mississippi at the time this account was opened.

Company response to consumer: Closed with explanation