vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: NY

Complaint narrative:
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2019-09-14 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: NY

Complaint narrative:
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2019-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is COMMONWEALTH FINANCE # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCE # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCE #  XXXX**** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation COMMONWEALTH FINANCE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where COMMONWEALTH FINANCE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
I received a notice from " Financial Recovery Services , Inc. '' on XX/XX/2019 stating that I owe {$420.00} charged on a XXXX XXXX credit card. I haven't used a XXXX XXXX Credit card since I cut up the card 10 years ago. I think this is a scam company that is using my credit info to fraudulently get money from any victims that will oblige them. Please advise me as to what I can do about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/19 Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: GA

Complaint narrative:
I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates ji I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates updates or nothing

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 2019-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to express my displeasure as to the manner in which Bank of America has handled my dispute regarding an erroneous charge of {$1000.00}, that has been posted to my account. I have provided very clear, documented proof to BOA on multiple occasions that the charge was invalid and should be reversed. At no point has any evidence of such alleged purchase been forthcoming, other than its appearance on my statement. Dispute actions have resulted in unable to approve your fraud claim. On several occasions during the intervening months Bank of America has exercised our right to recover the debt by withdrawing [ funds ] ( various amounts ) from my attached checking account. Each time I communicated with BOA about this, I was told to pay nothing while it was in process, and that it would be resolved. To date, I have only non-resolution, constant run-around, removal of funds, and countless wasted hours on this matter. I should also point out that I have visited my branch of BOA several times and at the last visit, the Branch Manager said she was shocked at the manner in which my claim has been handled. I ask the CFPB to help to resolve this matter. I did not make or authorize this charge. BOA refuses to provide any underlying information regarding the transaction as they say I am not entitled to see it. I dont think senior citizens should get this type of runaround treatment and I ask the CFPB to have the charge reversed, all interest and fees reversed and my funds restored. Thank you!

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 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NC

Complaint narrative:
My ex husband took my son to the hospital. He put me down as the responsible party. I was not present and was not aware until I received a bill in the mail. I tried working this our with the doctor which was unsuccessful. I have disputed with all credit bureaus and XXXX XXXX is the only one that has removed this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
STEP 1 : What is this complaint About? 
This Complaint is about a Navient ( Sallie Mae ) Private Student Loan : This loan was executed on XX/XX/XXXX and disbursed on XX/XX/XXXX, in the amount of {$22000.00} plus {$880.00} in Fees for Tuition at XXXX University in XXXX Florida, for my Step Daughter. 

STEP 2 : - What type of problem are you having? 
I do not have the financial resources to pay the loan. 
My income is {$620.00} per month from Social Security, and the monthly payments on this loan currently is {$320.00}. 
Note : As of XXXX, I secured Seasonal Part Time Employment with XXXX XXXX. However, due to my XXXX XXXX, the XXXX and the recovery time, my income from XXXX XXXX for XXXX was only {$27.00}. The remaining years income from XXXX XXXX were as follows : XXXX {$490.00} ; XXXX {$2400.00} ; and XXXX {$3400.00}. 
ABOUT THE PRIVATE STUDENT LOAN : The Originating Lender was Sallie Mae Bank, XXXX, UT, c/o Sallie Mae, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. Navient took over this Private Student Loan in XX/XX/XXXX. The original loan amount was {$22000.00} plus Fees of {$880.00} in XXXX, and as of XX/XX/XXXX, according to Navients Account Summary the total current balance if paid today, is {$25000.00}. 
I have tried for the past seven ( 7 ) years to work out a payment plan with Navient that I could manage but I have not been successful. 
On XX/XX/XXXX, Navient sent me the repayment Options available to me, which are a One Year Interest Only Repayment Plan, a Two-Year Interest Only Repayment Plan, a Three-Year Interest Only Repayment Plan and a Four-Year Interest Only Repayment Plan, each having the payoff year of XXXX and payment amounts that I can NOT afford. 
In XXXX, I will be XXXX years old, if still alive. These terms are unrealistic terms financially for me. ATTACHMENT # 17 Navient Interest Only Repayment Plans 1 Page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: NY

Complaint narrative:
I have been a victim of 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 2019-09-14 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/2019 my sister sent me XXXX on cash app and I cant get the money because I no longer have access to the number that I used for the account so I tried to contact cashapp and they gave me directions as to what to do to solve the problem but it still didnt work and I reached back out to them to let them know they directions didnt work and I havent heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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 don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of 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 explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a {$200.00} VanillaOne prepaid VISA card at XXXX XXXX in XXXX as a XXXX  present. THe card never worked and the embarrassed recipient returned it to me. I tried to go onto the website and the website would not accept the information on the card and I could not get anywhere. I called the company. I got a representative who after keeping me on hold for some time told me that I had to get an original receipt from the store even though I had the credit card charge record ( I bought it with an XXXX XXXX card ). I had tried previously to address the problem with XXXX XXXX and gotten nowhere being told to come back at various times when the manager would be there-as I work full time, it was not possible for me to go at those times. At this point, I have given up on getting my moneyI will never buy another prepaid credit card. However, I thought it worthwhile to let others know about this. I believe it is some sort of scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: CO

Complaint narrative:
This account has a XXXX balance and is still reflecting on my collections. 

Account Name : Berlin Wheeler Original Creditor : XXXX XXXX from Kansas from XX/XX/2014 Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS 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 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am in Ch XXXX bankruptcy, and the servicer refused the full XX/XX/2019 mortgage payment of {$1400.00} I made, and returned it to my bank on XX/XX/2019. Here is a timeline of events : On XX/XX/2019, I called Mr. Cooper ( the servicer ) because my XX/XX/2019 mortgage payment was refused, and I was instructed to call their counsel, XXXX XXXX  XXXX. A few minutes later, I called XXXX XXXX  XXXX and was told that XXXX payment was refused because my account status was mistakenly changed to active foreclosure in Mr. Coopers computer system. Following the phone call, I sent an email to XXXX XXXX  XXXX confirming the conversation. A follow-up email was also sent to XXXX XXXX XXXX that included correspondence from my banks Bill Pay department regarding the returned mortgage payment. 

During this time, XXXX XXXX XXXX was conducting an audit of my mortgage account. After conducting an audit of my mortgage account, they informed me on XX/XX/2019 that they had withdrawn their Notice of Intent filed on XX/XX/2019. That same day, I contacted Mr. Cooper to make mortgage payments for XX/XX/2019 and XX/XX/2019 and was told that my account status had to be updated in their system before payments are accepted again. I was also told that I would be sent a statement once my mortgage account status was fixed.XXXX XXXX  XXXX filed another Notice of Intent on XX/XX/2019 while I was waiting for Mr. Cooper to fix my account status and accept payment from me again. 

On XX/XX/2019, I received a mortgage statement dated XX/XX/2019 but it reflected an inaccurate balance of {$850000.00}. My monthly mortgage payments are {$1400.00}, so the correct amount due should be {$5600.00} for XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/2019, I filed a Response to XXXX XXXX XXXX most recent Notice of Intent ( they have filed and withdrawn 3 Notices of Intent within the last 6 months ), and the U.S. Bankruptcy Court for Maryland has scheduled a hearing for XX/XX/2019 to help me resolve my mortgage account issue. 

On XX/XX/2019, I sent a payment of {$4200.00} for XXXX, XXXX, and XXXX mortgage payments. However, on XX/XX/2019 around XXXX EST, a customer service representative in Mr. Coopers bankruptcy department said that my account status was still not fixed so the payment may be returned. On XX/XX/2019, my mortgage payments for XXXX, XXXX, and XXXX were returned to my bank and stamped as refused. 

Finally, in a Praecipe to the Circuit Court for XXXX. County, XXXX XXXX  XXXX falsely claimed that the stay from foreclosure was recently lifted by the bankruptcy court and so foreclosure events will commence, but the stay is still in place according to the US Bankruptcy Court in XXXX. I subsequently sent a Notice of Error to Mr. Cooper, XXXX XXXX XXXX, and XXXX XXXX for refusing my payments and refusing to fix my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: NY

Complaint narrative:
I have been a victim of 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 explanation
Consumer complaint received 2019-09-14 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: NY

Complaint narrative:
I have been a victim of 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 2019-09-14 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: ERC
State: GA

Complaint narrative:
XXXX charges me for internet service that I cancelled almost 3 years ago. I called over 10 times and they said the bill would be XXXX out when I went to check status in XXXX it stated it had gone to collection. I immediately paid the {$56.00} even though I did not owe it. They need to remove this derogatory remark immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Charge off from XXXX XXXX XXXX XXXX is being reported on my account multiple times. Same account is listed over and over again. Not sure how TransUnion is allowed to have the same creditor report the same debt repeatedly as if it's a new account or new information. Same account! Credit card account appearing twice on my credit report in the amount of {$17000.00}. Only difference between accounts is they decided to add a 1 before the 4. It is the exact same account opened the same month with the same amount owed.

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 2019-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I instany transferred money from my PayPal account to my XXXX debit card, a total of XXXX $ on XX/XX/XXXX and it was stuck on pending ... .for days, it's now XX/XX/XXXX this was supposed to be an instant transfer, money in minutes, I call both XXXX and PayPal over 10 times trying to get this resolved, apparently the transfer was denied on XXXX  side due to a maintenance error and PayPal said it should go straight back to my PayPal account in a few days, few days go by and nothing, call again, they forward it to there technical department and say they email me in 24-72 hours, no email ever arrives, I've yet to receive a single email on the subject at all, so I call again and they tell me the same thing and put a trace on my money cause apparently they have no idea were my money is ... .its been weeks and they keep telling me there trying to find my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
I have been a Chase Bank customer for over 20 years, I had car loans through them through out the years. Five years agoI went through a divorce in the process of my divorce I manage to pay of my car that was finance by Chase Bank. Two years ago my kids wanted an item on XXXX I applied for there promotion they had and to my surprise I was denied it said Chase Has denied your credit application. I called them they told me there was nothing they can do. Almost three years later I applied again They denied me again. I feel that Chase Bank Credit Financing is being extremely unfair, plus Im trying to buy a house right now and this Is affecting my family. Life is not easy after a divorce. Everyone knows that our credit scores are very important. This company Chase Credit Financing, Chase Bank right now is stopping my family the opportunity to  progress and achieve in life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Transunion refuses the monthly statements from my Mortgage Company 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 non-monetary relief