vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my XXXX  credit report from PayPal. I did not apply for any credit at that time. On or about XX/XX/2019 I called PayPal and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my XXXX  report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my XXXX  report from PayPal. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my XXXX  credit report. I contacted XXXX  and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted 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 non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I received a letter from Hunter Warfield XX/XX/XXXX claiming I owe XXXX   XXXX  XXXX. I requested debt validation and sent my documentation proving I did not owe the debt on XX/XX/XXXX and did not receive validation until XX/XX/XXXX after I filed a complaint with the XXXX   XXXX  XXXX  on XX/XX/XXXX. There is a buyout clause in the original contract that states 30 day notice and one months rent which I followed XX/XX/XXXX. Hunter Warfield stated they did not agree with the buyout clause even though I have documentation including contract, 30 day notice, and vacate letter along with certified mail confirmation. Hunter Warfield sent me a contract on XX/XX/XXXX that is a falsified document and my signatures have been forged. I have been in contact with the XXXX  XXXX  XXXX of West Florida since XX/XX/XXXX and have resent all documentation to Hunter Warfield on XX/XX/XXXX disputing the debt again. Today, XX/XX/XXXX they reported as collection account on my credit, bringing my excellent credit score down 85 points. I have all documentation to prove I do not owe this debt and that Hunter Warfield is using a falsified rental contract to report that I owe this debt.

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 2020-01-28 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: LA

Complaint narrative:
I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.

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 2020-01-28 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: LA

Complaint narrative:
I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: AL

Complaint narrative:
THERE IS A COLLECTION ACCOUNT ON ALL THREE OF MY CREDIT REPORT FROM XXXX XXXX XXXX, THIS IS NOT MY ACCOUNT I HAVE NEVER HAD ANY ACCOUNTS WITH THEM PLEASE PROVIDE VALAIDATION OF DEBT. NO VALIDATION HAVE BEEN SENT, BECAUSE 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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my previous complaint I stated Experian sent me a marketing email with false information about my credit utilization percentage. I received another email promoting credit cards to raise my available credit limit. The email does not state that if I am unapproved my credit score will decrease. These type of email marketing hurt consumers. 
As I said in my previous complaint I should have my credit score modified or compensate me for the decrease. 

Please see attached email. 

Thanks, 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 2020-01-28 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: DISCOVER BANK

Complaint narrative:
i have been charged by discover for personal services THE SAME DATES AND TIMES IN TWO DIFFERENT COUNTRIES They ignore this fact every time we correspond. 

The dispute was found in their favor but HOW CAN THIS POSSIBLY BE THE CASE THAT I AM EATING AT A RESTAURANT IN XXXX XXXX WHILE SUPPOSEDLY IN A HOSPITAL IN ANOTHER COUNTRY, XXXX ... .. 

I have for YEARS tried to resolve this with discover. They have a different person respond to every communication who is not familiar with the case. 

I also offered a settlement and their response was contact this number which I told them does not work from the XXXX XXXX where I reside. They still do not provide a number for me to reach the proper office from outside the US. When I call the regular number they refer me around for hours until I am disconnected. They are making it impossible for me to resolve this and they refuse to acknowlege or do not respond to the main issue in the case - how can they find in favor of the fraudulent chages stating I was receiving hospital care in XXXX, when I am using and charging and living with use of the Discover card in another country for the same dates? After years of this, I demand any negative reporting be erased and that they accept my offer to settle for XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 {$4000.00}. 
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 ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -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 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
During the time of closing, we provided our mortgage company with documents for our home owners policy insurance. This was uploaded via a web portal provided by the loan company. However, upon closing, the mortgage company decided, without our consent, to issue a home owners policy through their preferred insurance company who is affiliated with the loan mortgage company Loan Depot. The insurance company is XXXX XXXX. However, we had provided documents for home owners policy issued through XXXX XXXX. At this time, we have 2 home policies, 1 that was put forth without our consent. The XXXX that we did not consent to is the one loan depot decided to place in our escrow account and pay out. The insurance company, XXXX issued a policy as well ( per our request ) and has an outstanding balance. Loan Depot decided to go with their preferred insurance agency as they have a contract and incentive tied with XXXX XXXX without our consent and without us ever even speaking with a XXXX XXXX representative through phone, email, or text message. Loan Depot initially stated they would look into the matter but dragged their feet. It wasn't until we stated we were going to file a complaint that a regional manager reached out. Unfortunately, loan depot engaged in unethical practices. In our closing documents, XXXX is stated as our insurance provided. Yet, at closing and in our escrow account, they issued XXXX XXXX as the insurance provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
during the day of XX/XX/2019.I create a checking account.with the numbers.and this the only i got.from this bank.account XXXX.i decided to links. through external account.my checking account, that i do have.with, XXXX  XXXX.and also XXXX  XXXX.so the money from this two accounts were sended.through the bank trnsfer procedured.ally bank.still having my money.could almost $ 80.00.but most important.of all this, from XXXX till now callin.bringing.false excuses, lies to me.that the account is closed.not the acccoun is no closed, also saying.we found fraud, my credit is good.paying on time everything i go.credit cards.and bank account in good standing.i summit.my information.to XXXX.and notthing wong with.upset.with this bank.and all they people.ally bank.XXXX, XXXX, pa.XXXX.phone numersXXXX./XXXX.been calling. them from XXXX till now.XXXX.puting me on hold.and half of hour.and after that hanging the call.

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 2020-01-28 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 {$4000.00}. 
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 ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -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 2020-01-28 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: 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 {$4000.00}. 
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 ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I have contacted CitiBank multiple times with issues regarding my Home Depot credit card. 
Primarily they made accessing statements and online information impossible, which resulting in late fees I feel are erroneous. 
After a move, I asked for statements to be sent to my new address. I needed a full history on the account because the move was due to a divorce and the credit card balance would ultimately be settled in court. 
XX/XX/XXXX I called to request these statements. When they arrived they were not historical, but a simple one month statement. 
XX/XX/XXXX I called to complain again. I was told I must make a payment to bring my account current, which I did. This, I was told, would enable them to send a full history on my account as well as a replacement card. The replacement card is important, because I was told I could not re-gain online access until I had a new card. BUT- my online access was deleted by a Citibank associate when I called in XX/XX/XXXX. They admitted to this but did not reinstate my online account. 
I paid {$500.00} to bring the account current on XX/XX/XXXX, and was told I would receive my statements to assist me in getting online to make regular payments in 7-10 business days. 
On the 8th business day, XX/XX/XXXX I still did not have my statements but was assessed a {$39.00} late fee. The manager I spoke with on the XX/XX/XXXX did not advise me that another payment would be due before I would have the information needed to make a payment. ( Again- I did not have online access because they deleted my account and admitted to doing this on a recorded line, and I did not have a paper statement because they had not arrived yet in the mail. ) On XX/XX/XXXX I spoke with associate XXXX who assured me he would order the historical information on the account. I then spoke with manager XXXX ( ID # XXXX ) who refused to take off the {$39.00} fee. I explained I was unaware that a payment was due because 1 ) I did not have online access due to an error on their part, 2 ) I didn't have my paper statements yet, again due to their team sending me the wrong statements previously requested and 3 ) because the manager I spoke with on XX/XX/XXXX did not advise me a payment would be due before I had a statement. Manager XXXX ( ID # XXXX ) agreed with me that these previous statements were true, but he would not refund the fee.

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 2020-01-28 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a text message from XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX, XXXX XXXX PST sent to my cell phone number XXXX ( XXXX ) XXXX The text message stated : FreeMsg : Synchrony Fraud Dept. Did you attempt {$560.00} at WALMRT SPRCNTR * XXXX   with card ending in XXXX YES or NO Case XXXX To Opt Out reply STOP I replied NO then STOP in a separate message. I then received a phone call from this number. The representative did not introduce themselves or ask for my name or have any of my information. I told them I am not a member of Synchrony bank and this was sent to me in error. I hung up. The man called me again form the same number and told me that this misunderstanding happens sometimes and he just needed more information to deny the claim. I then hung up. 

When I called Synchrony Bank on XX/XX/2020 and spoke to their Fraud department, they informed me I did have a closed account from years ago with Synchrony Bank but it did not end 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 2020-01-28 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: MA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX sent me a letter where it says that they have agreed to delete the XXXX/XXXX XXXX inquiry with a date of inquiry of XX/XX/XXXX from my credit report. On the letter it also says that XXXX XXXX had sent TRANSUNION request to delete the inquiry from my credit report, it seems to me like TRANSUNION had enough time to delete the inquiry from my credit report and send me a copy of an updated credit report, this request was sent to them over 6 months ago and the inquiry is still showing on my credit report. I dont know why TRANSUNION is not doing what they were told but the creditor has agreed to delete the inquiry from my credit report.

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 2020-01-28 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: CA

Complaint narrative:
I have repeatedly disputed a fraudulent charge on my credit report from a company named XXXX XXXX XXXX XXXX XXXX and Experian continues to report it. I have no knowledge or ownership of that account and it is preventing me from acquiring a mortgage loan and must be removed immediately.

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 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
Notified XXXX XXXX on XX/XX/2020 that a atm had debited my account but failed to dispense cash. Amount of charge was XXXX. Ten business days have passed without any response or credit. I believe this is in violation of federal regulations.

Company response to consumer: Closed with explanation