vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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 {$29000.00}. 
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. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
I have mortgage with M & T Bank still with my name. 
actually i had divorce XX/XX/XXXX by court order. 
and gave to home to exwife by court order. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX but exwife didn't refinance and used loan with my name. 
also she made quick claim to XXXX XXXX XXXX on XX/XX/XXXX exwife name : XXXX XXXX she gambled and she sold XXXX XXXX to mrs XXXX XXXX XXXX on XX/XX/XXXX new buyer Mrs. XXXX never bring money on quick claim only. 
home value around XXXX quick claim selling amount {$190000.00} loan balance around XXXX same as quick claim amount mrs XXXX made fraud property transaction Mrs XXXX has experience non profit service. 
so she knows how can cheating and quick claim. 
Mrs XXXX still use M & T Bank Loan with my name. 
new loan # XXXX my old name is XXXX XXXX XXXX my new legal name is XXXX XXXX XXXX XXXX and i find out deed transfer to mrs XXXX and still use loan with my name. 
i did complain to m & t Bank. 
bank said can not remove my name on loan. 
i believe fraud transaction that quick claim deed with another person loan. 
please investigate this case. 
mrs XXXX  still owned social service for public. 
XXXX XXXX at XXXX wa

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made {$650.00} online purchase on XXXX for an XXXX in XXXX ( posted on XX/XX/2020 ), which I think is entitled to 10 % credit as advertised, but I did not get it. I tried to message the customer service and got the reply on XX/XX/2020 as follows, " Our records indicate that the purchase of {$650.00} on XX/XX/2020 ( XXXX/XXXX ) did not qualify as an online purchase. 

Our records indicate that you did not make any qualifying purchase for the below offer during XX/XX/2020 - XX/XX/2020, therefore no credit was awarded for XXXX and you did meet the minimum threshold ( {$610.00} and {$610.00} ) of the promotion during XX/XX/2020 - XX/XX/2020 and XX/XX/2020 - XX/XX/2020, therefore {$60.00} and {$60.00} credits were awarded for the below offer for XXXX and XXXX. 

Offer : You can earn 10 % back in statement credit up to a total of {$60.00} each month for total eligible ONLINE purchases that are made each month to your Sears Mastercard and from XX/XX/2020 and XX/XX/2020. '' It is weird that they think my online purchase of XXXX on XXXX is not an online purchase. If this is not an online purchase, I don't know what is an online purchase? What is the definition of online purchase? 

For clarity I have attached my invoice of the purchase for your reference.

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX at the XXXX XXXX WellsFargo branch in XXXX California bullied me into accepting Wells Fargos terms of service. I felt unsafe and threatened but had no choice but to follow his directions.

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 2020-06-10 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: IL

Complaint narrative:
Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also provide an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by and my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

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 2020-06-10 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: IL

Complaint narrative:
Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Current Bank Opened account for the family ... .Friend Repays a loan we gave them during covid .... 
They had this bank and said it be the easiest fastest way to pay me Had no problem receiving the money .... 

Getting the money out was a different story ... .Two biz days to receive ... 

Night before the ach transfer ... .I get a email asking me about the money who sent it and it's relationship to me ... 

I answer them they cancel the transfer ... ..and restrict my account ... .. 

No answer back in two days ... ..If issues why not allow the money to be sent to me? Why not ask this all before receiving it? Now I am stuck I can't pay my mortgage ... .I am hostage to them until they send out my money ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: GA

Complaint narrative:
I been a customer of Discover Card for Nearly 2 years with a very good payment history. Back in XXXX of 2019 my Discover card account disappeared off my XXXX  Credit Report and XXXX   Credit Report, I informed Discover of this and they told me it would be fixed and now nearly 10 months later it is not. I contacted the credit agency and I was told that Discover needed to file to have the credit reinserted to my credit report which I informed Discover of this several times and I continue to get the run around, it is still not appearing on my credit. Why is it hard for them to just reach out to the credit reporting agency and have the account added back to my credit report so I can get credit for my payment history it is not right and not fair. I recently called in and a month later received a letter in the mail from Discover asking me to fill out a form of what I'm i disputing which they already know what I'm disputing and also on this form it's is asking me to place my Social Security Number and Date of Birth of a piece of paper and mail it back to them, why would I risk putting my personal information on a form and mailing it when they have all of this information, it seems to be very silly and not professional at all. I been dealing with this for nearly 10 months when Discover could just reach out to XXXX   and XXXX  and have my account reinserted on my credit report but instead is asking me to write what the issue is on a piece of paper and mail with sensitive information to them which these days with mail being lost why would I just want to put my information on a piece of paper and place in the mail, Discover is not protecting me the consumer and every time I have asked to speak to a higher manager have always been told someone would call me back and never hear from anyone. Bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AES/PHEAA
State: MD

Complaint narrative:
I am seeing school on my report that I never attended XXXX XXXX XXXX XXXX XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: DISCOVER BANK
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 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: MD

Complaint narrative:
I am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University

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 2020-06-10 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: MD

Complaint narrative:
I am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MD

Complaint narrative:
I am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP
State: WA

Complaint narrative:
The number I have on file for my unemployment the number on the debit card does not match the debit card I received in the mail from KeyBank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Applied for refinance with Quicken loans. Excellent credit score in 800s, over 20 % equity in home. Had foreclosure in XXXX which did not stop the purchase of my home in XXXX, but Quicken Loans said they can not do the refinance even though its been 5 years. XXXX XXXX was aware XXXX and I paid for an appraisal for {$400.00}. He said if it didnt go through I could talk with the client relations team so my {$400.00} would be refunded. Now Im told that my {$400.00} will not be refunded. Very deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I notified Professional Credit Management that since this debt is medical, the claim needs to be filed with my insurance ( XXXX and XXXX ). I owe no deductible for this debt as insurance will/has pay/paid in full. PCM appears to be trying to collect from me and from my insurance for a double payout.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent 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 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.

Company response to consumer: Closed with explanation