vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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 {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went online to make an appointment to open a account with Bank of America. On the day of the appointment the branch was closed when I arrived. I called customer service but the wait for someone to answer the call was too long. I went on Bank of Americas website and opened the account. I funded the account as well. The account was opened on XX/XX/XXXX XXXX The following week I made another deposit into the account. On XX/XX/XXXX I tried logging into my account and was not able to. I called customer service and I was told the account had been closed and a cashier check was mailed to to me on XX/XX/XXXX for the funds that was in my account. I was told the account was closed due to unverifiable information and I should make a appointment to open another account at a branch. I made a appointment to open another account on XX/XX/XXXX, I opened the account XXXX in the branch that day. The banker that opened the account for me told me to try logging into my account the next day to make sure I can get into online banking. The next day I tried to log into online banking but I was not able to. I called customer service and I was told the account had been closed earlier that day and a cashier check would be mailed for my funds that were in the account. The rep said Bank of America do not have to tell customers before closing their account. I was told I would not ever be able to bank with Bank if America. No explanation was given to me. This was the second account closed by Bank of America within a matter of one month. The second account that was closed which included a checking and savings, I received the cashier check for the funds last week. However, the first account # XXXX that was closed I have not received my cashier check for the money I had in the account. I have called and inquired but the reps seem to not have any info on where my funds are. I request a call from a member of management but no one never called me. I demand Bank of America to release my money that was in the account # XXXX that was closed. I have documentation to support all deposits, transactions correspondence and conversations

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 2020-07-21 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: IL

Complaint narrative:
I had an issue with XXXX which fraudulently set up a loan to pay for termite extermination. Had gone through the XXXX where finally the representative from XXXX stated that the debt was forgiven because the contract for the loan was not signed by the XXXX representative and myself. Experian will not remove this from my credit report but simply states that the loan was paid off but there are two late payment registered against my credit. I have submitted the XXXX report but experian still wants to reflect that I took out the loan that i did not pay the loan for two months and that I paid off the loan. I did not have a loan i did not receive any service from XXXX and I believe that this was a fraud from the beginning whereas the local XXXX in XXXX IL was trying to take advantage of a senior citizen

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 2020-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
I keep getting emails and phone calls from this company for some sort of scammy loan that I supposedly applied for. I have no idea how they got my email or phone number, but this is fraud. I have never applied for, been approved, or received funding from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-07-21 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 {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I sent this company a validation of debt letter on XX/XX/2020 and I failed to receive a response. I sent another one on XX/XX/2020 and I still have not received a response. Yet, this company continues to report this debt on my report and I am not sure if it is accurate as this company refuses to respond to any notifications about this debt. Also, this company has not made any effort to notify me that I owe this debt in any way shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have already file a Claim in XXXX 3 times but they do not take this card that is fraud off my credit. They send me a letter from my last complaint saying that it was the first time they heard of the fraud. 

Its a LIE I have filed and its still in my XXXX Credit Report. Remove the credit card off my credit. Under the H.R. 5332, the Protecting Your Credit Score Act of 2020 I DEMAND TO BE FIXED BY THE CFPB or will take  legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear to whom it may concern, My name is " XXXX XXXX ", I am writing this request for these inaccurate items that are listed below to be reinvestigation. If accurate, they have to be removed off my credit report in 30 days according to Fair Credit Reporting act. I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX and every creditor reporting the above items ) and filing lawsuit if not done. 
**Name** XXXX XXXX XXXX **Address** XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX **EMPLOYMENT INFO** XXXX  XXXX  XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESSXXXX % % **Auto Loans** XXXX XXXX Reported : XX/XX/XXXX This collection account is not belong to me. The original creditor don't have any signed contract with me. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed immediately. 
XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately **REAL ESTATE LOANS** _XXXX XXXX Reported : XX/XX/XXXX This account is account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS  VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS  VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: AR

Complaint narrative:
On XX/XX/2020 I Contacted this company to ask them about the debt I seen on my credit report that I knew I did not owe, since I had XXXX on the service date of XX/XX/2020. The Original debt was from XXXX XXXX XXXX  XXXX XXXX. 
When I contacted FIRST FEDERAL CREDIT CONTROL INC, They hung up on me when I tried to explain to them That I have Insurance and that this should not be on my credit report. When I called back and talked to another person they threatened to sue me for this debt I do not owe. I would like fraudulent debt removed from my credit report. I also tried to give them my XXXX number as well. 
Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
Asked company to file 1099C due to the financial and emotional problems I am having as a result of COVID 19. The company has not bothered to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX can't link online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Asked company to file 1099C due to the financial and emotional problems I am having as a result of COVID 19. The company has not bothered to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
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.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -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 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
On XX/XX/2020 I contacted Rocket Mortgage/Quicken Mortgage because XXXX XXXX stated they were the investors on my loan refinance. The reason was to get them to call XXXX XXXX and XXXX XXXX as I had also called them to complain about the coronavirus and my protection and the failure of this company to protect me from harm 's way ( a.k.a death ). Both XXXX  and XXXX offered solutions to doing inspections even for a " cash out '' which did not require to go inside my home. By the way XXXX did the appraisal with a drive by and XXXX 
My home is worth about XXXX XXXX - XXXX lists it at XXXX. I owe about XXXX so I wanted to refinance. I have two loans ; a primary at about XXXX and a secondary XXXX. They will refinance the first with no appraisal, the one that is worth XXXX, but if I want the XXXX wrapped with it, this " cash out '' requires an in-home inspection. We will not have anyone in our home, we have no idea where they been, if they are a carrier of the virus and for XXXX it does not seem worth it to put my live and my wife 's life in jeopardy. 

I recorded the conversations and their recordings while on hold claim they care about people and to protect them from the coronavirus but it is a lie. The refused to call XXXX or XXXX to go through the procedure to do a drive by even for " cash out '' - which by the way makes no sense to me because I am not actually getting any cash. They can walk around the home, look in the windows, but not go in side. 

Mortgage/Quicken Mortgage is getting just as bad as XXXX - and should be blacklisted from the mortgage industry by the federal government. They are discrimination against me because I don't want someone I don't know and in my home who could infect us. We don't even allow our own family in our home. We are older and Mortgage/Quicken Mortgage does not care about people. They should come up with another way of verifying- this is a XXXX XXXX  home, come on, and to force to put my life and my wife 's in jeopardy for a mere XXXX does not make sense. They are evil. I want to enact the Harter-Corona act that prevents mortgage companies from discriminating against those who want to live ; to provide other means of assessing the value without someone entering a home ; a video, a hand off to someone outside the home that gives them what they want without killing me ( literally ). They are not taking this coronavius seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
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. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -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