vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: OH

Complaint narrative:
This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.

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 2020-07-01 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:
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


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

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I. Have been paying on my debt. But. This company. Started sending bill collectors. To my house. And more than once. I asked. Them. To stop knocking on my door

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX & XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX CA & XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

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 2020-07-01 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:
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


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

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -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 2020-07-01 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:
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


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

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Hi - I have a big problem with my mortgage servicer, PHH/XXXX XXXX. I indicated I wanted to be in the forbearance plan back in late XXXX, but after I did more research decided against it, and conveyed that message to the servicer, in writing! 

I have not missed any payments, and in fact have I have made my payments on time. I have, in writing, indicated I did not want to be in the forbearance plan. Today I got a letter saying I was approved for the forbearance plan, and my next payment would be due three months from today. 

Even the dollar amount on the banks statement / forbearance letter is off by a lot! And, there is no explanation of break down of these charges. 

Having been in the XXXX XXXX business for 15 years, and having lived through the financial crisis I am very concerned for not only myself, but others. Especially after receiving the piece of mail I received today. 

I have kept every bit of communication, all of it in writing. I am willing to go over it all with you and provide you with copies. I need your help! Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX my husband 's unemployment was approved and he started receiving direct deposits to our joint prepaid account. On XX/XX/XXXX we got a text that there may be a problem with our account/card. When I called the next day I was told our account was deemed high risk and was bring closed, and that a check would be mailed to our address on file. A few days later I was told the funds would be returned to the sender, but wasn't given a time frame for this to be done, and was told there was nothing they could do to give us access to our funds. Now they are asking for a letter of indemnity from unemployment, which they will not provide, or we have to wait 20 days for the funds to be mailed via check to the sender. The money in the account was all that we had and now we are at risk of being evicted if we can not pay rent, repossession of my car, having utilities turned off and not be able to provide for our almost XXXX XXXX XXXX son. I've emailed back and forth with them for days and get a response after XXXX hours of me replying immediately just to be given vague information and them saying they care and they are sorry for the inconveniences. I just want the funds in our account and have even sent the letter of acceptance showing my husband was approved to receive those funds. NetSpend has already been sued by the FTC over doing this same thing in XXXX!

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 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
CONTACTED COMPANY MULTIPLE TIMES TO FIX CAR WAS REPOED. CAR SHOULDNT HAVE BEEN REPOED BECAUSE WAS GIVEN A COUPON FROM CAR DEALER TO CHANGE DUE DATE OUT A MONTH BEFORE IT WAS DUE. ORIGINALLY THOUGH PAYMENT WAS DUE XX/XX/20. WAS TOLD FROM REP IT WAS XXXX. I SAID I DONT HAVE IT RIGHT NOW TO PAY I HAVE THE FREE MONTH TO MOVE IT OUT A MONTH. WAS TOLD I COULDNT USE IT AND I HAD TO MAKE A PAYMENT. THE CAR WAS REPOED FROM MY BROTHER IN XXXX. MY BROTHER LOST MY KEYS. I PAID THEM OVER XXXX I HAVE ATTACHED THE RECIPETS. WHEN I MADE THE PAYMENT I WAS TOLD THAT THE ENTIRE BALANCE WOULD BE APPLIED BECAUSE CAR HAD BEEN TRANSFERED TO AUCTION. THE ENTIRE BALANCE WASNT BECAUSE BEING TOLD THE DIDNT GET THE XXXX OF THE XXXX. WAS TOLD THEY WOULD INVESTIGATE AND WOULD CALL ME BACK. CALLED AGAIN AND WAS TOLD THEY WOULD APPLY THE COVID 19 90 DAY EXTENSION UNTIL SOMEONE WOULD CALL ME BACK. NO ONE CALLED ME BACK. EXTENSION WASNT APPLIED. WAS SENT A LETTER IN THE MAIL THAT THEY WOULD REPO THE CAR XX/XX/XXXX. I DONT HAVE THE CAR THE CAR IS STILL AT THE AUCTION OR WHEREVER THEY MOVED THE CAR TO I DONT KNOW NOT I DO NOT HAVE THE CAR AT THIS TIME OR THE KEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: GA

Complaint narrative:
These accounts were opened from someone stealing my identity. I have notified Equifax and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX & XXXX main these should be deleted as well. Thank you for helping me get this matter taken care of. 
I submitted this request on XX/XX/20 complaint XXXX & recieved a response that they believed that it was not me that sent the complaint. I am sending this complaint again in hopes of having these accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
We got line of credit with TCF thru mortgage broker. We had no idea the terms of the line of credit are really bad. we were in tough spot and had no time to shop as we were going to loose the house. This HELOC is with variable interest rate with interest rate payments only for 10 years! Have not been able to communicate or have not had any success with TCF to  modify the terms of the loan. the payment changes every month and no principal is being paid down. We will be forced to file for bankruptcy and ask the courts to discharge the HELOC if we dont come to agreeable terms with fixed rate and principal pay down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
I am a victim if mistaken identity and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services
State: CA

Complaint narrative:
Trying to cancel a loan but customer service wont allow me too. So I emailed them and I still have yet to receive a response. The information in the loan agreement is false. The contact email address doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$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 ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/NELN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. 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 2020-07-01 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2020 I submitted a claim with Chase Bank for my freedom credit card due to an item I bought being very late but more importantly counterfeit. 

According to Chase 's charge error policy : " Charge Error A charge error is a transaction you recognize but appears to be incorrect, such as : A recurring transaction or trial subscription you canceled A product or service you never received or received late A one-time purchase you returned or canceled, and you still havent received a credit A charge higher than the amount on your receipt A product or service you received and are dissatisfied with Your card was charged even though you used cash or a different card The same card was charged more than once for the same transaction '' I should be fully covered. 

Attached is the formal claim submitted to Chase Bank containing irrefutable evidence I should the transaction is a charge error and thus should get an account credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/20, Paid for XXXX XXXX to become one. The cost of {$750.00} was not itemized. I was informed of three different amounts. Was charged three times. Inquired more than twice about the charges. So XXXX XXXX stated she would refund my money because she did not have to take this. As to what she meant, I don't understand. On my behalf, I apologized profusely for the unwarranted calls which she claimed I made. However, I sent an email and text requesting a reply to the additional charges. Upon speaking to XXXX XXXX, she raised her voice and again I apologized. I did not receive an apology or any accountability for the error which caused me to overdraft three times a total of {$120.00} instead, I was unmoved by her actions to refund my monies from at this point seems to be {$2200.00} ( XXXX ) I am looking to work remotely in the interim while my VA commission process. Although, I expressed that Here I am not working but paid for training to become XXXX. Needless to say, {$750.00} is a lot to not know what you are not getting. I was willing to be commission for CA until I get to VA. But I feel like I am being scammed because all I received is a PPT presentation and that is done. I was communicating with XXXX  XXXX XXXX Services but my card ran XXXX XXXX. If I was not going to be working in the interim then, there is no need to pay now. 

My money back period. 

Since, the calls I make which I do not received a return are unwanted and seems to be annoying to XXXX XXXX. After I repetitiously apologized for the multiple requests to receive the ITEMIZED list of purchase. I wish XXXX XXXX the best in whatever business she does under whatever name Be if it is XXXX or XXXX XXXX XXXX   Services. I am choosing to not do business with this company based on the fact of public trust which is what XXXX XXXX should have. I do not trust the way XXXX XXXX is handling this transaction and therefore, I do not want to do business with her ever again once I receive my refund.

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 2020-07-01 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:
I am a victim if mistaken identity and identity theft

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 2020-07-01 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim if mistaken identity and identity theft

Company response to consumer: Closed with explanation