vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Fraudulent Charges to XXXX XXXX XXXX Online XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX ( was XXXX but XXXX was used for free shipping out of my plus membership ) XX/XX/20 Called Bank of America ( BOA ) notified of fraudulent charges. Investigation initiated.

I called BOA due to 3 charges on my account through XXXX 'XXXX  XXXX online totaling {$1400.00}. Two of the charges had gone through and one was still processing. At that time, I notified BOA those were not my charges and I have never ordered anything online though XXXX XXXX XXXX. I was provided the guarantee that a decision would be made within 10 days pending investigation of the charges. No monies were credited back to my account. Less than 24 hours later I received notice from BOA that I was responsible for the charges because I have a history with in-store XXXX XXXX XXXX purchases. After calls to BOA I was put off constantly and no one would transfer me to the fraud department stating a decision had been made and I had to write a letter and send in a police report to even have it considered to be reopened or escalated and that was still not a guarantee they would reopen. Through this, XXXX, responsible for delivering the said merchandise to my home, notified me that the culprits had redirected delivery with Fraudulent call tags and the merchandise was now out of XXXX  hands. XXXX Fraud Team, who has been in contact with me at least twice daily, informed me of a XXXX XXXX XXXX   breach and over 300 packages have been reported as fraudulent purchases. 
Still nothing from BOA other than an email stating that I am responsible for the charges.

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 2020-02-26 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 HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2020-02-26 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: NJ

Complaint narrative:
Past 30 days, items listed in attachment must be deleted. Proof attached, includes certified return receipt.

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 2020-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized XXXX  XXXX XXXX to obtain my credit file, but what I do know is XXXX  XXXX XXXX has broken the law!

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 2020-02-26 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: GA

Complaint narrative:
I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX XXXX XXXX XXXX . I have contacted local police and the FTC.

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 2020-02-26 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: GA

Complaint narrative:
I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX  XXXX XXXX XXXX . I have contacted local police and the FTC.

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 2020-02-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 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: CO

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX XXXX is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX XXXX   and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 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: NY

Complaint narrative:
On my credit report these are not my items reporting.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I took a first mortgage loan in XX/XX/XXXX. My first payment was do in XX/XX/XXXX. I paid it. I paid every payment afterwards. In XX/XX/XXXX, I mistakenly issued a payment of {$2000.00} instead of the correct amount of {$2100.00}. I attempted to cancel this payment and issued another payment for {$2100.00}. These payments went to Ditech. My bank would not recall the erroneous payment of {$2000.00}. 

I wrote Ditech FOUR letters. Ditech did not respond. I called Ditech when I started get " late '' notices from XXXX. Ditech sent me a payment history, confirmed I was not in arrears and that they would forward overpayments ( the {$2000.00} and the XXXX for XX/XX/XXXX ) which should have been forwarded to XXXX, the new service provider. 

Ditech forwarded the XXXX payment but without explanation or any notice, Ditech kept the {$2000.00} erroneous payment. Ditech decided to credit that amount to a shortfall in escrow. I continued writing to Ditech and XXXX through XX/XX/XXXX. 

Neither company responded to any inquiry. When I called both companies again, this month ( XX/XX/XXXX ), the companies both indicated that letters sent to the payment center ( where my checks were sent ) are " shredded '' or discarded. For 6 months now, XXXX has been reporting me 30 days behind on my mortgage. I have been late to no other creditor. XXXX has DESTROYED my credit score, which is now XXXX based on XXXX ' reports. 

XXXX has said the will not interfere with the additional funds kept by Ditech and will continue reporting me late to the credit bureau, unless I pay pay them more than {$4700.00} on XX/XX/XXXX. XXXX refuses to investigate nor take any action. 

I have actually paid {$21.00} OVER what has been due on my mortgage from it's inception. My understanding ( based on the first year ) is that if excrow is not properly planned and collected by the managing company, the company can increase your mortgage. XXXX did this -- adding {$210.00} a month to my payments. They refused to explain the change. 

Today, XXXX says that they can see the XX/XX/XXXX double payment but it was NOT credited toward a monthly payment. Instead, Ditech kept the money and credited it toward a shortfall in escrow ; without notice ; without ever admitting that to me in letters and phone calls. XXXX says it's a problem for Ditech. Ditech gives me no information. But, XXXX is falsely reporting the account as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AR

Complaint narrative:
I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-26 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: AR

Complaint narrative:
I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. Zelle. Since I use Zelle through my XXXX XXXX   app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on Zelle before realizing it was probably a scam. I called XXXX XXXX, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to Zelle after confirming that the certified check was bad and would eventually bounce. Zelle lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked Zelle for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out - they were very dismissive and rude and as a victim I felt very shamed. When I contacted XXXX again, they said that wasn't the deal, and they would have no part in investigating this. I feel like I'm in a bad feedback loop that I can't get out of, and it's all the worse since I used Zelle through my bank 's app, and both parties just blamed me for being dumb, which frankly, isn't helpful or what I need right now. I will NEVER use Zelle again and I'm telling all my friends and family to not use it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX  company is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX  company and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA Reports UNTRUTHFUL INFORMATION TO AUTHORITIES. NO RESPECT. USAA Reported to CFPB that I reported FRAUD XX/XX/XXXX XXXX {$230.00} see attatched USAA statement XX/XX/XXXX. CLEARLY the {$230.00} is part of the whole amount reported FRAUD XX/XX/XXXX. USAA CAN NOT GET THIS TRUTH. Statement XX/XX/XXXX shows. NO TEMP CREDITS USAA Policy of temp credits to BEGIN FRAUD INVESTIGATION ** THEY DO NOT APPEAR THEY DID NOT HAPPEN AS USAA CLAIMS and Neither do the {$470.00} temp credits appear. The FRAUD CLAIM DATE XX/XX/XXXX Can Not be TRUTH as THERE ARE NO TEMP CREDITS hello ( ** TO MAKE PERMANET. ) USAA LIES ABOUT LYING HIDES TRUTH INTERNAL. TEMP FRAUD CREDITS MADE PERMANET NOT SHOWN ON STATEMENT. Kindly Note the XXXX transaction posted the same day I reported it ( ** FRAUD CAN NOT BE TRUE. XX/XX/XXXX IS THE DATE OF THE PURCHASE PUT ON THE ACCOUNT. {$230.00} XXXX you can view it on attatched statement USAA. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NY

Complaint narrative:
On my credit report these are not my items reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NY

Complaint narrative:
On my credit report these are not my items reporting.

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