vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, Please find the attached case, we have been victims for a business who takes advantage of contractors, have the job done and dispute the payments that was made according to the contract. Without proposing any clear reason, using the power of their attorney who used humiliation and threat as tools under the law to pretest there illegal act. 

We are desperate, American Express stood up for their customer and solved the dispute to their benefit. 

Attached is the detailed case, we filed a lien against the property, we need your help warning contractors from being used like we were. 

XXXX XXXX XXXX  XXXX % XXXX % XXXX % XXXX % XXXX You can mention my name,. XXXX XXXX, owner of XXXX XXXX. I can provide any extra proves required and speak to the media and public if required

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( XXXX XXXX XXXX remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with Equifax and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( Harvest XXXX ) remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with XXXX and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX 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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
An Unauthorized payment from my account by 1st Franklin Financial Corporation in XXXX, XXXX Basically fraud. A payment was issued from the company without permission. In XX/XX/XXXX, I made authorized a payment on behalf of my cousin XXXX XXXX living in XXXX XXXX, GA over the phone. I confirmed it would be a one time payment and that my information was not to be saved on the account. Yesterday, XX/XX/XXXX a charge appeared on my account from the company for my cousin 's account. I informed her of the pending transaction and she assured me she had called and gave her card number for the payment. She called 1st Franklin to make them aware of the error and stated that T**** the representative said it can not be corrected or reversed back to my account. I also called the company and was transferred to T*****. The male person that answered said I had the wrong number. The amount of {$190.00} posted to my account this morning. This is fraud. It was not authorized and they stored my information. So basically they have my account information to do what ever they please with it. To say they will not correct the mistake or if it was on purpose should be illegal. Now I have to pay my bank to attempt a dispute for an account THAT IS NOT EVEN MINE to begin with. I need someone from the company to contact me ASAP. I did not give authorization for the payment on XX/XX/XXXX only the previous payment in XX/XX/XXXX where I called myself to the XXXX, GA location. My cousin also tried to have the payment reversed because they also completed the payment from her card, so they have two payments - one not authorized. My personal information has been illegally compromised. XXXX / 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 2020-04-10 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: FL

Complaint narrative:
I am disputing a charge on my CAPITAL ONE credit card by XXXX XXXX and my credit card is refusing to honor my dispute. I seek a credit of {$86.00}. 

TIMELINE : XX/XX/XXXX - I am billed {$100.00} by XXXX XXXX on my CAPITAL ONE credit card. This amount overbills me by {$86.00}. 

XXXX XXXX - I attempt to resolve the dispute directly with XXXX  unsuccessfully. 

XX/XX/XXXX - I file a dispute of {$86.00} with CAPITAL ONE. 

XX/XX/XXXX - I am credited {$86.00} by CAPITAL ONE and asked to supply additional documentation. 

XX/XX/XXXX - I file documentation with CAPITAL ONE providing information on my dispute. 

XX/XX/XXXX - CAPITAL ONE responds and indicates my documentation " lacks all of the previously requested information needed to validate your dispute '' ( which is false ). 

XX/XX/XXXX - CAPITAL ONE credits me an additional {$86.00} ( in error ). 

XX/XX/XXXX - CAPITAL ONE notifies me that I was erroneously credited {$86.00} two times and rebills me {$86.00} twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
On XX/XX/20 I applied on line for mortgage relief through CARES act. I applied 2 more times because I never received confirmation that my request was received. I called XX/XX/20 and was told that I would be notified by mail and that I would receive 6 months of mortgage relief ( no payments ) but at the end of the program would need to make arrangements to catch up payments with no interest or late fees ( balloon payment ). As I understood the program that process was distinctly discouraged and rather apply missed payments at the end of the loan ( 6 month loan extension ). What they are doing now doesnt necessarily help consumers because now I'm worried if I cant make up {$6000.00} worth of missed payments I will be foreclosed on ( stressed out ). Please let FLAGSTAR BANK know that their interpretation of the CARES act is inaccurate and they need to change their procedure regarding this program that is ment to help consumers.

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 2020-04-10 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: FL

Complaint narrative:
I did Not Give any consent To Open These Accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: IA

Complaint narrative:
My debit card was compromised and there was 27 charges in the amount of XXXX for XXXX on XX/XX/XXXX I contacted my bank and apple on XX/XX/XXXX to report the fraud before the charges have processed. XXXX could not or would not reverse the charges, and my bank would not file a fraud report until the fraudulent charges had processed. 

I filed a claim after the charges have cleared my bank, the funds remains unavailable to me and I was told it could take up to 10 days for the claim. The bank is not moving any faster on this even given the significant amount. If I didn't have an emergency fund in savings I would be in trouble.

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 2020-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had a meeting with the Bank Loan officer to refinance my mortgage with another bank. The loan officer steered me towards a Home Equity Installment loan and I proceeded with the application process. I requested information pertaining to terms and closing costs. The Good Faith Estimate I received did not include all the fees or the added interest PNC requires. Later I received a revised estimate that started including more interest and I was asked to raise the loan amount to cover, I agreed but asked for all the documents I would be signing to be sent to me so I could review what type of mortgage I was signing up for since the terms and fees seem to be increasing. I week later I was given another estimate of closing that once again exceeded the previous amount of the loan. I refused to increase the loan amount further and filed three formal complaints with the bank so I could receive the loan documents prior to closing ( so I could be informed about what I was signing up for ). The loan officer at one point stated he would send me the documents but then rescinded that offer. The revised Good Faith Estimate I received did not itemize out the added interest PNC was adding to the closing amount and only had one lump sum. The complaint with PNC has not solved any of the issues and I will not be closing tomorrow as originally planned. I have been charged by my own bank for fax fees that I did not authorize in relation to this refinancing. My hope throughout this process was to be an informed borrower but PNC would not comply with that. Their web site has very generic terms and until yesterday they did not even state the actual name of the loan product. Throughout the complaint process the PNC agent told me the loan was not covered by the Truth in Lending Act which made me even more worried about signing up for something that I could not review ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did Not Give any consent To Open These Accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I did Not Give any consent To Open These Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
This Account Does not belongs to me This is Incorrect Information this is a fraud 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