vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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 2021-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I closed on my first home XXXX. My payments were set at approximately XXXXmonth. This was with escrow, interest, taxes etc. In XXXX of XXXX The Money Source sent me a letter informing me there was a surplus in my escrow account and they would be fixing this moving forward lowering my monthly payment amount. Within the past week I received a letter stating my escrow account is under funded by approx {$6800.00}. I called to find out the issue and was informed the money source believed I would only pay XXXX/yr in taxes since that is what was paid on the home for XXXX. The only reason that was the amount paid of the home in XXXX to XXXX County was because the previous owner was a XXXX veteran. This was known and calculated upon closing. We even got a appraisal from the county tax clerk before closing to find out what taxes on the property would be moving forward hence why in closing my mortgage was set at approx XXXX/month. The money source changed the agreement without having ever asked any questions about such a large discrepancy. They now was me to pay {$6800.00} within 60 days to bring my monthly mortgage back to where is was supposed to be originally. They provided other options like making half of the sum and my monthly payment would be XXXX/month. The customer support personnel agree this is a massive oversight on their part but ultimately decided its not their fault and they don't see any other options than the ones they gave in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Bank fraudulent practices I opened Citi Bank account in response to Citi Bank Promotion to open certain account with certain deposit for {$700.00} reward. I met the terms : Citi Bank never paid the reward, withheld improperly {$30.00} fee for " not providing social security number '' per Citi, then refunded {$8.00} out of {$30.00} and sent me a statement that I owe IRS {$11.00} earnings which they never paid to me either. 

I am trying to resolve fraudulent financial operations with with Citi Bank for almost 5 months now with no avail. 
Please help.

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 2021-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: MI

Complaint narrative:
I was contacted XX/XX/XXXX by an attorney working on behalf of XXXX XXXX XXXX stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of XXXX XXXX XXXX ( aka XXXX XXXX XXXX that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded Foster and Monroe LLC ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX  credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX XXXX from XXXX XXXX XXXX are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX  ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.

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 2021-02-10 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 recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
I moved out of my Florida townhouse on XX/XX/XXXX and provided XXXX XXXX with my forwarding address in case there was a final bill not taken care of by the security deposit. Rather than sending the bill to my new address in Texas, XXXX XXXX sent it to the same Florida address ( please refer to attachment provided via Helvey verification ). I made ample notification to the utility company of the cut off date along with my forwarding address. Nevertheless, I did not receive any correspondence from Helvey and Associates. Helvey proceeded to add a collection account to my credit report on or about XX/XX/XXXX. I was never given the opportunity to pay prior to their notation on my credit report for a {$250.00} utility bill. Its unethical behavior on Helvey as I never received notice from the company. Upon reviewing my credit report, I made the payment in XX/XX/XXXX after requesting verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to request your help. My rights as a consumer are not being respected. I try to solve this issue with Wells Fargo in the past but they keep on reporting a fraudulent item to the credit bureaus. The account I am talking about is the following : WELLS FARGO DEALER SVC # XXXX. Date Opened XX/XX/XXXX. Original Balance { {$11000.00} XXXX. Status : closed. Wells Fargo received a letter from me back on XX/XX/XXXX ; in which I requested the fraudulent account that is a consequence of FRAUDULENT CHARGES to be Deleted from all credit bureaus. They did not send me any notice and they are still reporting the item. They are committing multiple violations to the FCRA : negligence, unfair business practices, breach of contract, incorrect credit reporting. This situation is affecting my mental health in a huge way and my ability to obtain credit. I am demanding a deletion letter from Wells Fargo so the fraudulent car loan on my Credit profile accounts get Deleted from my credit reports and Profiles. If Wells Fargo fails to provide the deletion letter, I will not hesitate and will file a lawsuit. I am sure that once I speak to my attorneys ; the list of violations will go up. Attached letter sent to WF, which they ignored.

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 2021-02-10 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: LoanCare, LLC
State: MD

Complaint narrative:
LOANCARE responded with wrong information. 
My Loan with LOANCARE still showing in my credit report with XXXX XXXX On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until LOANCARE ( Loan Number XXXX ) took over my mortgage and I had a complaint against them before and the LOANCARE said that they remove my Loan form my credit report, now I just checked my credit report and LOANCARE still showing in my credit report, I want LOANCARE to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with LOANCARE, I believe the LOANCARE did a violation of the Bankruptcy.

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 2021-02-10 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: PA

Complaint narrative:
Error account or fraud account account was paid XXXX  XXXX Original creditor XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This bill is from motor vehicle accident on XX/XX/XXXX This bill is part of a motor vehicle accident the was paid out by insurance company and if this bill was not paid buy insurance company any unpaid bills was sent to XXXX which is a 3rd party company who collects unpaid bills that my personal insurance or motor vehicle insurance may have not paid out So any unpaid medical bills I owe from this motor vehicle accident was sent to optum to collect payment and when this motor vehicle accident was settled by XXXX  XXXX was included in this and they agreed to take a settlement for unpaid past due bills from this motor vehicle accident to clear any medical debt i received from this motor vehicle accident this debt was part of that and paid off in settlement this account did show up on my Equifax credit report in XX/XX/XXXX settlement was in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX responded with wrong information. 
My Loan with XXXX still showing in my credit report with XXXXXXXX XXXX On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX ( Loan Number XXXX ) took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text message from Bank of America saying that I transferred {$5000.00} Which I didnt. I tried to check my online banking I couldnt access it. So I called them trying to find out what happened. Apparently I was a victim of identity theft and my email, password and security question for my online account were all changed, then the fraudulent transfer happened. I managed to get back my account. I filed a claim that took them 2 weeks to file. Then I received a letter of temporary deposit of the {$5000.00}, then another letter on XX/XX/XXXX saying their investigation resulted in a false claim by me and that the amount will not be credited.

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 monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ballybunion Enterprises, Inc
State: MI

Complaint narrative:
I was contacted XX/XX/XXXX by an attorney working on behalf of Military Credit Services stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of Military Credit Services ( aka Freedom Stores ) that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded XXXX and XXXX XXXX ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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