vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: NV

Complaint narrative:
EXPERIAN IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING EXPERIAN TO REMOVE THE FRAUDULENT XXXX ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS XXXX AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.

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 2020-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My debt was put in bankruptcy later Illinois hardest hits paid a big chunk of the debt my mortgage company then started charging Illinois hardest hits a higher rate then what was still my mortgage know has never been over a thousand dollars they were charging them over XXXX per month from the month of XXXX to the month of XXXX the following year there continue to collect money from bankruptcy can they overcharge another entity is paying the bill

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 2020-03-10 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: U.S. BANCORP
State: TX

Complaint narrative:
US Bank and XXXX XXXX XXXX pulled up my credit twice in a month and I did not authorize that

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 2020-03-10 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: NV

Complaint narrative:
XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING XXXX  TO REMOVE THE FRAUDULENT DISCOVER ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS DISCOVER AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
SunTrust banks claims that I opened a credit account with them on or about XX/XX/XXXX. They are stating that I opened this account and that I have never made any payments on it. 

I discovered this by a dramatic change in my credit rating in XX/XX/XXXX. I did not open an account with Suntrust Bank. I have never received any bills from Suntrust. I do my banking elsewhere. 

I opened a case with the Federal Trade Commission ( FTC Report Number XXXX ) and placed a police report with XXXX County Sheriffs Office in TN on XXXX. I also sent letters to the all credit reporting agencies and opened a fraud investigation with Suntrust Bank ( Case ID # XXXX ). Not having heard back I sent Suntrust a follow up letter requesting information and alerting them to the fact this was a fraud. 

Suntrust sent me a letter on XX/XX/XXXX stating " Suntrust values you as a client and would like to help you meet your financial goals '' and that they believe the account is being reported accurately. 

They did not provide any information on account activity or exactly when and by whom this was opened. I am not responsible for Suntrusts failure to verify identity before creating this account and loaning money. Suntrust has not even attempted to assist in an investigation with the police or given me any information that would assist with this.

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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to unfreeze my credit with Equifax so that I may apply for a home loan. Due to a software glitch on the Equifax website I am completely locked out of my online account and unable to unfreeze my credit. Technical support was unhelpful and refused to escalate the issue. Each password reset attempt locks the account further and Equifax is unwilling to help. We are unable to move forward with our home loan refinance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has failed after two disputes to correct inaccurate information concerning XXXX XXXX. This account was paid last year and I have attached the letter from XXXX XXXX stating the account is settled in full. Please correct this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
NCB Management is reporting negative information to the credit bureaus for an auto loan that I do not have with them. Ive never signed a contract with NCB Managemnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — 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 {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -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 non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The vehicle has been deemed a total loss and the insurance company has sent them a check to payoff the vehicle. They still have not updated the account and I continue to still pay. I cant get in touch with anyone from the company as to how long it is going to take the check to clear.

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 2020-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I checked my credit to see a negative report from OPPLOANS/XXXX  in the amount of {$1600.00}. I lost my job and became XXXX  and I had no way to keep up the payments. I am now working and would like to settle the debt for {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
I see a lot of inquiries on my credit I have not approved

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 2020-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$4500.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I phoned Capital One on XX/XX/XXXX, at which time I was informed by a representative that they had received the dispute on XX/XX/XXXX, but had taken no action. 

Background : I purchased a {$21000.00} elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier  1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I requested that Capital One investigate and credit me back the amount paid for services not received.

I have yet to hear from Capital One regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Called citizens one on XX/XX/2020 and was blind transferred to collections rep very snuggly and rudely told me I didn't know what I was talking about when I said that " false information had been reported by them to the credit bureau which violates the FCRA '' I gave attached screen shots which show the falsified info which this institution refutes bur told me " you haven't made enough payments for a deferment '' so that would mean then, if I'm not mistaken, the screen shotted remark would be false and citizens one should do the right thing b4 I seek legal representation for a blatant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I see a lot of inquiries on my credit I have not approved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Hello CFPB, I am desperately reaching out due to some confusion in my home refinance with Rocket Mortgage. I recently closed my refinance only to discover my monthly payment has almost doubled. Called immediately to contest monthly payment. I was told my existing monthly payment of {$440.00} would only increase to {$480.00} to get a better interest rate and have money to possibly build garage in future. Perfect. Dont have exact dates of these transactions due to my constant waiting for hard copies of my full contract, but was in beginning XXXX. Unfortunately, payment is now $ 770ish. Yes, I am naive and very much dumb for not checking the numbers before signing final paper. Took Loan Persons word, and thats not what I received. I understand escrow, now, and understand the cushion for insurance, but I was assured {$480.00} was my monthly payment from now on. I only had {$45000.00} left to pay and a very comfortable payment. All I wanted to do was take advantage of lower interest rate, keep payment as low as possible. Now I have unknown excessive fees and a bunch of debt. I will lose my house if something cant be done. Thank you for your time. Get back to me as soon as you can. I am very afraid of losing all Ive worked for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I entered into an agreement with Santander for an auto loan in the amount of {$23000.00}. I made payments for about 1.5 years on time before I began to experience severe illness that put me out of work. I had to wait to get approved for XXXX XXXX XXXX, which is why the XXXX & XX/XX/XXXX car payments were late. Once I started, I began to pay on time for 5 more months before I lost my job completely. Because I had no income, the loan went into default. The vehicle was repossessed. I know the vehicle was sold but there is still a balance of $ XXXX owed. That doesn't make much sense and I can not afford to pay that. I can afford to settle the debt for {$1000.00}. Unfortunately, I can not afford to pay anything else. The debt is now going on four years old. I just wan na settle and get it {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a deposit for {$1800.00} that was going into my closed personal checking account at chase bank. I was told that as long as I spoke to the claims department, that they would re-reroute it to my correct account. So I spent an hour talking to a claims specialist on XX/XX/20. It was clear to me that she didn't know what she was doing, and I kept asking her to transfer to a manager, and she didn't. She finally said she had taken care of it. Today, XX/XX/20, I called chase because the amount was never sent to my correct checking account. First I was told I never spoke to anyone on XX/XX/20. Then, when I got mad and pointed out that they should be able to see whether their employees are digging around in my account, they admitted that an employee from an office in XXXX had taken that call, but done the claim improperly and that now they don't have the money. So I asked them to escalate and I was told by two separate employees that because XXXX had gotten everyone 's tax documents out late, they were getting a lot of complaints, so they wouldn't be able to speak to me for a while. And when I got home today, I had a letter from XXXX dated XX/XX/20 that states that " As we discussed and agreed, no action will be taken. '' And this is 100 % false. I am concerned that they are allowing employees in another country to dig around in my account, don't seem to have proper records or recordings of it, and now they have lost my money. XXXX used to be a decent bank, but now they have fallen so low that they may have compromised my financial security by possibly letting an unauthorized individual go though my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account was negotiated and agreed upon as a pay for deletion. Account was paid in full. The agent that took the last payment assured me it would be deleted. It has not and is still showing a balance owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: AL

Complaint narrative:
Here again - another account that was disputed several times with Equifax and it has not been deleted. I filed a 1692g letter with the collector XXXX XXXX and they failed to respond ; furthermore, I called XXXX XXXX and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. Equifax has failed to properly investigate this account under FCRA and XXXX XXXX has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
They said the amount they had was accurate it actually 2x more than the court ordered told me to just pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is attempting to collect a debt from XXXX XXXX for {$1100.00}. I lost my job and could not continue to pay as my family became XXXX. Ive just been awarded rapid rehousing and have saved up {$400.00} to settle the debt. I have not been able to reach the company in regards to settling. I am in need of financial assistance.

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 2020-03-10 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:
See attatched list UNAUTHORIZED TRANSACTIONS REPORT OF XXXX & XX/XX/XXXX. See attatched USAA FRAUD CLAIM DATE XX/XX/XXXX dated XX/XX/XXXX. The UNAUTHORIZED TRANSACTIONS WERE SUPPOSED TO BE THE {$470.00} UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX ** TO PROOVE XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA KEEPS SLANDERING MY GOOD NAME CONFIRMING XXXX XXXX ( a returned item ) WAS INCLUDED IN FRAUD REPORTED XX/XX/XXXX. USAA PLEASE PROVIDE A LIST OF THE UNAUTHORIZED TRANSACTIONS TOTALS {$470.00} I REPORTED FRAUD. As requested. TO CONFIRM XXXX XXXX IS NOT INCLUDED IN FRAUD REPORTED BY ME XX/XX/XXXX. Also please provide XX/XX/XXXX REPORTED UNAUTHORIED TRANSACTIONS AND WRITTEN PROOF OF DELIVERY INTO MY HANDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2019, I discovered that my Chase savings account had disappeared. I was trying to put money into the account and could not find it on my Chase Banking app. I contacted the company via the app and was received a reply saying that mu account had been closed because I went 60 days without a balance. I never notification that my account would be closed. If Chase had notified me, I would have deposited money into the account. Now that I need to deposit money into the account I can not because I dont have it anymore. I never received notification that this was going to happen and was never given the opportunity to intervene. This is poor customer service and unethical. I get notifications everyday from Chase about the most irrelevant XXXX but I never once got a notification about something that actual matters.

Company response to consumer: Closed with explanation