vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I made two purchases with the {$500.00} prepaid Visa Vanilla Gift Card XXXX XXXX XXXX XXXX One on XX/XX/19 for {$87.00} and another on XX/XX/19 for {$55.00} Then on XX/XX/19 and XX/XX/19, someone charged {$350.00} over 8 separate online purchases. This card is not supposed to even be able to work online without registering it first. These purchases to XXXX XXXX online and XXXX are fraud. I contacted Vanilla Visa Gift  Cards by phone and made my claim in XXXX. They asked for some information and started a case dispute. I sent them the information I had and was told it could take a week for a response. I never heard back. I sent numerous inquiries and rarely heard back and when I did they asked for the initial information that I've already provided on more than one occasion. Clearly they are giving me the runaround and are fraudulent themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 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 have Been a victim of Identity Theft. I did not authorize these Accounts

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 2019-09-13 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: FL

Complaint narrative:
I have Been a victim of Identity Theft. I did not authorize these Accounts

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 2019-09-13 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: MO

Complaint narrative:
On XX/XX/2019 I faxed over identity theft report, block request and ftc furnisher report and they opened the dispute but keep saying they have not received the documentation. Also this has been deemed as identity theft by the original credit XXXX XXXX   XXXX XXXX ( XXXX XXXX ) account XXXX. Also uploaded documents on myequifax.com and they are still saying have not received the supporting documentation. I would like for this to be removed immediately as this is affecting my livelihood. Attached please find identity theft report, block request, ftc furnisher and showing fax was received on XX/XX/2019 Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed with Experian about an address that is not correct. It says XXXX XXXX on XXXX XXXX XXXX in XXXX, Missouri XXXX. Because of that address it is affected me getting future credit. I live on XXXX XXXX XXXX XXXX, Missouri XXXX. Any and all incorrect information on my report should be removed. I asked if you would step in and tell them to remove that address on my report. If it is not accurate then I have the right to have it removed. Thank you very much

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 2019-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm not sure why I am seeing multiple inaccuracies lsuch as having past due amount when you claim this as charge off. Can you please send me an updated report, otherwise DELETE this form my file!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I have a mortgage with Midland Mortgage. I am being charged extra fees on the account monthly. I am not late on the payment, paid well in advance. It is a modification loan from XXXX. I have requested several time for a reason for the fees and a history of the account as well. I get transferred from person to person, they tell me they are going to mail to me in 7 to 10 days. I have yet to receive the documents from them. I also made a large payment on account back in XXXX  and have called to find out what happened to the payment and to provide how it was applied, no documents provided. 
I have emailed the VP of Midland, as well. Have not received any responds, as well. I am finally had a place in my life, that i can deal with the stress and try to get answers from them. I was over paying my mortgage each month as they estimated my escrow account by almost {$100.00} a month. Then they created these extra fees and started applying the over payment each month to the fees instead of principal on the loan. 
When ask to speak to a supervisor, they transfer to another co worker instead. I have looked online and several other people are having the same issue. They prey on people when they are at the weakest and take advantage of them with this so called fees. I have made several attempts to work this out with Midland Mortgage with no results. 

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 2019-09-13 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 have been a victim of Identity Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
XXXX offered discount to XXXX  employees on non contract I switched for {$30.00} a month they never honored that price for they adjusted billing to what they offered Ifor approx 2/3 months then said they couldnt honor price they advertised very stressful and phone never worked this offer was emailed to employees approx XX/XX/XXXX phone never worked I returned it and used my own phone. I was promised account would be cleared for misrepresenting I disputed first collection and was taken off my report now have another collector coming after me says attorneys this account was horrible nightmare Im back with XXXX. False advertisement bad training of employees and false promises item never worked and they are charging a phone that I returned never worked. I left with manager that ran that store horrible service no training - checking data it will show phone connected was my own please help get these creditors and XXXX harassment my XXXX XXXX is bad enough harassment of collectors is taking its toll 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 2019-09-13 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 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 2019-09-13 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: FL

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 2019-09-13 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:
This account does not belong to me Account # XXXX {$170.00} Account # XXXX {$0.00}

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 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Bayview bought my mortgage from XXXX XXXX who probably bought it from XXXX  XXXX, FHA, to a HAAMP agreement XXXX, and XXXX XXXX XXXX ( undisclosed servicer after multiple emails requesting who they're servicing for, finally informed me that the owner is XXXX XXXX and this is within days of their 4th postponed sheriff  sale XX/XX/XXXX. Also informed by XXXX XXXX, in writing that, XXXX XXXX does not need to report to credit bureau. Bayview listed " closed/ transferred '' They refused to honor my HAAMP from Bayview , no record of payments, so many fees that were accessed after sale, XXXX has multiple different responses. XXXX XXXX said my taxes are {$1700.00} behind, requested my haamp agreement from Bayview ( even though they refused to honor it prior with a lady that tried to squeeze {$27000.00} to keep the haamp, 6 % interest, {$500.00} more a month, pay my own taxes. My house was sold, regardless under Bayview, according to XXXX XXXX at XXXX XXXX XXXX, and then it would be sold to them at XXXX XXXX who stated thet often the deed/ note. I received paperwork today from XXXX   attorney, XXXX XXXX, trying to make me sign papers to cover their lack of any credit, fraudulent reporting, and inflated fees with no explanation, after sale, but sheriff sale for {$1700.00}. Sheriff department told me XXXX XXXX told then to serve me at my old address from 11 years ago, an apartment, that A TENANT, not landlord stated I moved out 6 months ago. XXXX is trying to cover the lost deed on my property and deceitfully cover a swapping festival of selling the loan to same company, different departments, that even XXXX County Courthouse recorder of deeds was shocked. No liens. Taxes paid. Bayview is fraudulent. XXXX XXXX  is fraudulent. XXXX XXXX XXXX are documented lying on behalf of XXXX, XXXX ( XXXX immediately before ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I cancel my insurance policy with the XXXX and was told that I would received a refund back for the unused portion of my insurance in the amount of {$99.00}. I waited some time for the refund and didn't receive it. I called the insurance company and was told the refund was refunded back to my debit card ending XXXX. I advised to them I no longer had that account. They advised that the funds were sent to the bank and they still have the money. The XXXX sent and the money was approved and received to Wells Fargo on XX/XX/XXXX attached is this dispute is a copy of the receipt. I called Wells Fargo talked the first week of XX/XX/XXXX with a rep who advised my checking account was closed and he didn't see any funds being refunded and that the XXXX didn't really send the money. It " may '' have been approved but they hadn't sent the money. The following day I called back my old insurance company. The rep said no the money was refunded and that can send me the proof it was sent and that the bank has it. Receiving the email.. I called back to Wells Fargo and talked with another rep that states that he saw the entry but since i don't have a checking account its just there when asked about why they didn't return the funds back since my checking account is closed. The rep couldn't give an answer other than they weren't aware of the fund being there. i explained this wasn't my first call and asked again if there is no checking account why didn't they return the funds back to the XXXX so they can cut me a check, which they are waiting on the bank to do. I got another excuse about showing that my account was closed when he had access to this information already.

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 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I took out a loan on a vehicle that was paid through and protected by the Automatic Stay in my Chapter XXXX Bankruptcy. They have not applied the payments made to the Trustee. Here is a copy of the recent letter I sent them. 


XXXX XXXX Bankruptcy Specialist Wheels Financial Group, LLC dba XXXX Legal Department P : ( XXXX ) XXXX F : ( XXXX ) XXXX RE : CFPB LETTER & ARBITRATION Consumer Financial Protection Bureau ( CFPB ) Case No. XXXX Dear Sirs : Today has been the second day that we have called your compliance department and they have not returned our call. 

As you know, we filed for Arbitration before we go to Federal Court pursuant to the documents we signed with you regarding the return of our vehicle the XXXX XXXX. License Plate XXXX and VIN : XXXX. 

We do not understand why you state that the vehicle is not registered and licensed when the XXXX has contacted us and confirmed that it always has been not only registered and licensed, but also insured since we bought it many years ago. 

We have served you with the documents we have presented in Federal Court and everything is stayed until we resolve arbitration. 

The sooner we do this the better and we would like a full accounting of the thousands of dollars we paid you via the Bankruptcy Trustee which you have failed to apply to the $ XXXX taken out as a loan on this vehicle. 

We will copy the CFPB on this email. 

Thank you and we await your reply as soon as possible. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Attached. Federal Court Documents served on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I contacted Midwest recovery systems on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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 of {$0.00}, {$1400.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried to contact Equifax and XXXX  on multiple occasions I was reviewing my credit report recently and noticed hard inquires that I have no knowledge of and did not authorize, I've contacted each beareu at least twice weekly and they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2019, Citizens One notified me that my credit card on file that was used to make automatic payments was expired. The link included in the email took me to a loan that had already been paid and had a {$0.00} balance. A credit card update could not be performed since the balance was {$0.00}. This email came every month, taking me to a loan of {$0.00} balance. 
It was later discovered, after a new personal loan was denied by Citizens One, that the email was in reference to a different loan than the one linked in the email. By this time, I could not access the appropriate loan using Citizens One mobile banking as the loan had already been sent to collections. 
I was never given the chance to make payments on the correct loan because Citizens One failed to send the correct information and did not explain in XXXX how the correct loan could be paid. Citizens One also did not make any attempt to contact me by phone or postal mail prior to sending my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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 of {$0.00}, {$1400.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -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 2019-09-13 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 of {$0.00}, {$1400.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the 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