vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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 {$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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- XXXX ACCOUNT 1. 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 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ref : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BOA Application # XXXX SBA  # XXXX EIN # XXXX My name is XXXX XXXX and I am the owner of a small business that has been greatly affected by the Covid-19 pandemic and, as such, have had to solicit a XXXX loan with Bank of America, the banking institution which I have been a patron of for many years. 

I would like to bring to your attention the behavior of one of the BOA XXXX XXXX XXXX department, XXXX XXXX. In addition to asking me and my accountant to engage in fraud by knowingly filing taxes for my corporation with incomplete, false and premature information ; she has continuously erected obstacles for me which have made it incredibly cumbersome for both myself and my accountant to comply with. 

Today she insisted on me doing something that is impossible and would not only leave me breaking the law, but leave my accountant with her license revoked. XXXX refuses to understand that despite the fact that my business latest tax filing was for the year XXXX, it is both up to date and in complete compliance with the Internal Revenue Service. This is because the business in question does not run on a calendar year but rather off of a fiscal year that commences on the corresponding day which it was created. As such, my latest and up to date filing ( which has been uploaded to the XXXX system ) is from XX/XX/XXXX and finalizes on XX/XX/XXXX. Meaning that XXXX is advising me to file a tax return for the remaining 4 months and make it seem like it is for the entirety of XXXX committing fraud in the process. 

My accountant thus concluded that to satiate her unreasonable request, perhaps uploading Bank Statements for the remaining 4 months would suffice. Sadly XXXX continues to push this narrative which, if followed, would result in my fraudulently filing a tax return with the IRS. 

I do not know who to turn to as there is little transparency on the part of Bank of America as it pertains to the XXXX loan process and I am fearful that I will get rejected for my refusal to act unethically and engage in fraud. 

Any assistance in this matter will be greatly appreciated. 
XXXX XXXX XXXX, XXXX, 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 2020-06-24 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 {$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 ) 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. 

-- AUTO ACCOUNT 1. 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 2020-06-24 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 {$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 ) 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. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Andrews & Cox, P.C.
State: TN

Complaint narrative:
An agreement was made on XX/XX/2020 through verbally and written agreement. ( see attachments below ) Why is there still a court date? I was told a hearing as not necessary since verbal and written agreement was made on XX/XX/2020. Since then, XX/XX/2020 there have been Constant Harassment by a Private Company Hired By BB & A and XXXX XXXX ( phone calling and constant knocking ) has been ongoing since XX/XX/2020 the date of the verbal and written agreement. The Private company hired by XXXX XXXX and BB & A have attempted to haul my vehicle on XX/XX/2020 at XXXX XXXX. The XXXX XXXX was constantly in the neighborhood making frequent stops to harass persons at XXXX XXXX XXXX XXXX Tn. The employee hired by the Private Company through XXXX XXXX and BB & A attorneys entered my private patio without permission to deliver a warrent from XXXX XXXX and BB & A. The paperwork as left on the patio on XX/XX/2020 at XXXX. He also Threw the court papers inside my car disregarding his six feet distance from me and he was not wearing a mask. There were a lot of rudeness and disrespect by the employee hired by XXXX XXXX and BB & A Attorney. I would like an explanation as to why Court orders were still being filed against XXXX XXXX after the verbal and written agreement and required payments were paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX & Equifax have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX XXXX. XXXX, EQUIFAX AND XXXX have refused to remove an erroneous collections account from XXXX   XXXX EQUIFAX XXXX XXXX are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( XXXX ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to XXXX, Equifax & XXXX via Certified mail return receipt by the XXXX. I am attaching the XXXX letter that is the same letter sent to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I received a request for payment from Resurgent Capital Services for an unpaid credit card issued by XXXX in the fall of 2019. I have written the credit bureaus to dispute the amount of XXXX I have written and called the collection agency over 20 times in the last 8 months. I have provided proof of payment in the amount of {$99.00} that was cashed AFTER the account was closed and never subtracted from the balance. I have provided proof that the money order was cashed in XXXX 2019. I can not find the receipt XXXX money order ) for the XXXX so I paid it last month. My balance is now XXXX but they continue to not research, read the proof and correct this error of {$99.00} that was cashed in XXXX 2019. 
The last XXXX statement shows charged off on XXXX XX/XX/2019. But XXXX XXXX receipt is dated as cashed on / around XXXX XXXX, 2019 which was not returned to me or applied to the closed account. 
I have repeatedly asked the company for a correction. I refuse to pay what has already been paid. Is this fraud, greed or incompetence? I don't know but it is ridiculous and a lot of time has been spent on an obvious proven error. They have everything needed to fix this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Home owners insurance policy renewal reflected increase in premium as a result of credit report from trans union however after checking with trans union my credit report is perfect as it has been for decades. They advised that XXXX XXXX XXXX. is using a third-party agency as they have no record of them checking. Many calls to Insurance company but they will not acknowledge the problem or make any attempt to fix the problem. Basically ignoring telling me to pay the higher premium or move on to another company.

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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Dear CFPB, I have contacted Shellpoint Mortgage multiple times since XXXX XXXX requesting PMI to be removed from my loan. I have paid down my mortgage to 78 % of the original loan as of XX/XX/XXXXXXXX. Shellpoint Mortgage is legally obligated to cancel my PMI at my request because my loan has satisfied all requirements. Please reference the Homeowners Protection Act of 1998, Section III,  part B on page 3 ( https : //www.federalreserve.gov/boarddocs/caletters/2004/0405/CA04-5Attach1.pdf ). Shellpoint Mortgage has continually given me the run around. First they stated I needed to pay for an appraisal which is false because my loan to value ( LTV ratio ) has reached 78 %. If it was 80 %, an appraisal could be required. Then they confirmed they would remove PMI, but they never followed through on that promise. When I called in the Winter after noticing I was still being charged, they told me PMI was paid in arrears and assured me it was coming off. Now, their latest excuse is saying that my property is currently located within a declared disaster area and again requesting me to pay for an appraisal. The only possible disaster they could be referencing is Covid-19. First of all, I requested PMI to be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX long before Covid-19. Secondly, Covid-19 has nothing to do with the issue at hand. I have called their phone number and you can only speak to customer service representatives that are not educated to handle this situation and they are not able to connect me to anyone who can. All I can do is continue to email them, but I have zero faith they are going to honor what they are supposed to by Federal Law. This is the last opportunity Im giving Shellpoint Mortgage to rectify the situation prior to taking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Used STORE CARD from SYNCHRONY BANK. This bank operates in cooperation with XXXX. After receiving a store card, XXXXSynchrony has changed default payment to the store card without notifying me. This caused accidental use of their store card ( whil I was thinking I'm using my DEBET CARD ). 

On top of that several items which I purchased from XXXX were finansed by Synchrony Bank. Those items were later rerurned to XXXX for number of reasons. Despite XXXX has shown iterm refunded on my purchase list, SYNCHRONY BANK kept charing me fees to pay off the items. They also added 25 % of intrest rates which in turn caused huge debt. 

I tried to access transaction information from the beginning of using my store card but only last 6 months were available. After contacting SYNCHRONY BANK I requested all transactions in either electronic or printed form. So far have not received any information. They have sent me some email which require some information I do not have. 

I also requested SYCHRONY BANK to contact XXXX and clarify all illegal transactions and fees. I filed two separate complains for both companies to Better Business Bureau. 

After discovering this fraud I immediately cancelled all services from SYNCHRONY BANK and cancelled my card. 



Copy of this message will also be sent to appropriate government agencies for reviewing.

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 2020-06-24 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: NC

Complaint narrative:
MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had opened XXXX XXXX account with CFPB with a promotion. Deposit $ XXXX or more ( within XXXX weeks ) and get {$150.00} as cash bonus. I fullfilled all their conditions but CIT bank keep on changing their terms and conditions for this reward. 
Even when I got the cash back bonus, CIT bank is giving me hard time not to withdraw the remaining balance. 
In this tough time, CIT bank is doing every possible thing to block my money. 
I have been communicating with them via secure email for more than 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX APT XXXX, XXXX, XXXX XXXX XXXXXXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX SOUTHWEST CAPITAL SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES NATL CREDIT ADJUSTERS GC SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TX

Complaint narrative:
I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had XXXX name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX XXXX APT XXXX, XXXX, XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX  XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX XXXX I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES XXXX   XXXX XXXX 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 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
My Pnc bank disconnected from XXXX about XXXX weeks ago before the quarantine and since then I wasnt able to use the app for payday advances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NC

Complaint narrative:
MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XXXX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation