vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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. 

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


-- AUTO ACCOUNT 2. XXXX 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 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Complaint narrative : RE : Complaint regarding Regulation E violation by M & T Bank Dear Sir or Madam : This is a complaint against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied. 

On XXXX I notified M & T Bank that my Debit card was used for an unauthorized transaction in the amount of {$990.00} on XXXX with a merchant XXXX. I did not authorize any transactions with the merchant XXXX on or after this date, and I did not authorize anyone else to use my Debit card with that merchant. 

On XXXX I found out that M & T Bank denied my Regulation E dispute without providing a responsible written explanation. 

I kindly request that you investigate M & T Bank 's violation of Regulation E, and compel M & T Bank to restore the funds which have been withdrawn from my account as a result of the above mentioned unauthorized transaction. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-12-23 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:
Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.

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 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: CA

Complaint narrative:
California eppi card payed out {$210.00} on XXXX of 2019 I did not make that purchase. Filed a dispute over the phone with the California Eppi card which is now California Way 2 go card and spoke more than once about this situation and ended up being charged anyway even after canceling my card and disputing it. Filing papers on the dispute and going through the whole process. Each person I spoke with from the California card had something different to say. Until now I still have that charge and my money taken away. And it was for a company that does not even have an email or phone number to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC
State: VA

Complaint narrative:
Mr XXXX from direct recovery service called me about a debt from XXXX  XXXX. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the XX/XX/XXXX loan of {$410.00} the loan is from XXXX. I called XXXX XXXX to see if I owed them money and it was paid off XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the direct recovery services. Please do what is necessary to stop my harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account. 
2 Deletion from all consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
After leasing this vehicle, I was charged a property tax by the company due to property tax assessed by the city or state upon a leased vehicle. It is my understanding this will be assessed upon my lease annually. I am a 100 % service-connected XXXX veteran.

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 2020-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
In the early days of the COVID Pandemic I like millions of Americans filed for a mortgage forbearance. After 4 months of this I begin paying again. Since my loan is an FHA Loan I agreed to a partial claim to pay the missing payments at the end of the current mortgage. We reached that agreement 6 months ago. 

Long story short I cant refinance to get better loan terms until US Bank processes the paperwork for my claim. They know this. They know that Mortgage rates are at historic lows. They are systematically and intentionally dragging their feet about processing the paperwork to keep their customers trapped in loan terms that are advantageous for them but bad for their customers. 

I have given them every piece of paperwork they have asked for immediately. There is no excuse for it to take 6 months to process the claim. They haven't even sent me the papers to sign. I have spoken to them dozens of times and they wont even give me an estimate on how long it will take. 

This is simple financial greed at work. I have no doubt US Bank is doing this intentionally.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account.

2 Deletion from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Sir I am writing to you that I just learnt that all my following credit card accounts with Synchrony Bank have been closed. 
XXXX Credit Card # XXXX Score Rewards Card. 
XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX 
XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX 
XXXX Credit Card # XXXX Lowes XXXX XXXX XXXX 
Upon enquiring with the customer service supervisor, I am told that I am a high risk and the bank fears that I wont be able to pay credit cards balances in the future thats why all my credit cards are closed. This is not a correct evaluation and very disturbing to me. 

Please note that I have an excellent credit history for past many years with XXXX  score of XXXX plus. I have paid all my account balances in full and on time. My high income & expenditures justifies my credit card limits. If needed I can provide my income proof to justify the same. There has been a stable increase in my income and in my credit score over the past several years. 
I request you to kindly revisit all my credit card accounts and help me restore my credit card privileges. This is the second time my accounts have been closed. Please note that I have not done anything wrong and I had been a good customer of Synchrony Bank. This immediate closure of my well established credit card accounts due to erroneous reason will hurt my credit score unnecessarily. I feel I am discriminated due to my race or my religion. I have a healthy business and my good credit score is very crucial to me at all times. If there is anything required from my side I am willing to submit the same to you. 
Your cooperation and immediate attention to this matter in requested.

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 2020-12-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been offered a car loan multiple times from XXXX XXXX and have been turned down multiple times and they keep pulling my credit report and the inquires keep showing up on my credit report even when I turn it down or say no. 
I can't upload the needed documents for all whom have put negatives on my credit report and or XXXX XXXX because the drive that it was saved to on my phone was deleted and not by me.

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 2020-12-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I discovered a hard credit inquiry on my XXXX  credit report on XX/XX/2020 during a routine check with my credit consultant. On XX/XX/XXXX there was a request for my personal credit profile. I then called the headquarters of CBNA to speak to a agent to discuss the matter, it was stated to me that there was no information to provide me with that proves a application request for credit.

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 2020-12-23 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint wrongly reported to the credit bureaus that I have missed payments since XXXX and impacting my credit score by 187 points, even though my accounts are current. 

I first contacted the company repeatedly and my request was ignored. Then I mentioned about the CFPB and they then said they are looking at the error but did not provide any tangible update on the repair date. 

As of right now, my score plunged and it prevents me to refinance 12 loans even though rates are historically low. 

Loans : XXXX and XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 2288984 Ontario Inc.
State: VA

Complaint narrative:
Mr XXXX from XXXX XXXX XXXX called me about a debt from money key. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the money key loan of {$410.00} the loan is from XX/XX/XXXX. I called money key to see if I owed them money and it was paid off XX/XX/XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the XXXX XXXX XXXX. Please do what is necessary to stop my harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was a with SYNCB/TJX CO customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/2016 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.

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 2020-12-23 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: Nelnet, Inc.
State: TX

Complaint narrative:
This is for all three big business bureaus XXXX, XXXX, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX XXXX  XXXX  open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there XXXX Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get XXXX app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX  had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I made a deposit payment of {$400.00} for my project at XXXX XXXX XXXX, using my Citi MasterCard-XXXX  to the individual XXXX XXXX 's Roofing who promised to do a certain job, but it turned out to be a fraud. He refused to do the job and refused to refund my money. I called to Citibank, told them about that and said, I would like to dispute the charge and got my money back. They promised to do that. After about 2 months of silence I called them again and asked what was going on. In reply the bank sent me a letter dated XX/XX/XXXX, saying they received the merchant 's response and based on that they closed their investigation and reversed their credit to my account. they said if I still wanted to dispute, I had to provide the complete details of the dispute, dates the merchant was contacted and the response. They asked me to respond by fax or email and include reference number : XXXX. they also asked for my signature on that request. I did sign it and sent BOTH email and fax to them on XX/XX/XXXX. After few weeks I received the letter saying since I did not replay, they closed the case. I called again, Lady I was spoken to admitted, they received my information, and promised to reopen the case. Last week I received a letter dated XX/XX/XXXX, they were unable to require the merchant to issue credit for this charge and their investigation remain closed. I am very unhappy how that bank treated my dispute.

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 2020-12-23 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:
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. I do not recognize it absolutely, its a pure Identity theft abuse. I am writing this message in order to ask you to delete this unknown account from my credit report. Thank you for understanding!

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