vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
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 ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX  XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Starting XX/XX/19 at approx. XXXX est, I attempted a purchase at XXXX for under 10 $ an amount that I was certain to have in my available balance, at minimum. This transaction was declined. I then attempted to log into the mobile app to verify I hadnt made an error. I was given an error message stating the mobile application is offline for scheduled maintenance. I tried to log into the website and seen a message there also that in general terms said the same, however stated the use of my card during this process would not be affected. I then decided to contact AMEX customer service where the representatives were answering calls with a pre determined response then immediately disconnecting without allowing customers to speak at all. On the 3rd call, I was forceful and prior to the rep disconnecting I demanded to be heard. She listened and then spoke telling me all cards ARE affected, and can not be used in anyway!! Imagine my frustration, and others, the website is falsifying the info, and no one has given any clear resolve yet as of XXXX est! I still have no use of my funds, no understanding of what has happened nor when to anticipate a fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 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: LA

Complaint narrative:
While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: LA

Complaint narrative:
While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX  XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.

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 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Routinely get charged to the account with charges based on not having more than XXXX dollars monthly income

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.

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 2019-12-20 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: ID

Complaint narrative:
In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Respondeat Superior is a doctrine that a party is responsible for ( has vicarious liability for ) acts of their agents. XXXX, XXXX, and EXPERIAN each are credit reporting bureaus. XXXX XXXX XXXX and, US DEPT OF EDUCATION, for example, might furnish a credit bureau with consumer information. In this instance, both has provided them with inaccurate or fraudulent collections information : ( 1 ) XXXX  XXXX  XXXX  asserted ownership over a purported debt related to the previously closed automotive loan. But these assertions of a supposed " deficiency '' are barred under California 's anti-deficiency statute, Cal. Civ. Proc. Code 580d. ( 2 ) US DEPT OF EDUCATION makes the contention of many student loan debts totaling more than {$19000.00} that are reportedly due in connection with complainants alleged attendance at XXXX college. The Fair Credit Reporting Act ( " FCRA '' ) is a federal statute.

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 2019-12-20 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: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I took out a loan with XXXX XXXX in 2013. I began having difficulties paying back the loan and requested a settlement with XXXX XXXX for less than the entire amount I owed. 
XXXX XXXX agreed to my offer and told me that the account would not appear as negative information on my credit report. 

I recently applied for a credit card and was denied because XXXX XXXX reports the account as seriously delinquent. Previously I have contacted XXXX XXXX and the credit bureaus to have the information corrected. They all tell me it will take approximately 45 days to correct the credit information and then nothing happens. 

This all happened more than 7 years ago and I am told by the credit bureaus that the info will stay on my report for 10 years. 

All of the above not withstanding the credit bureaus are very unhelpful. It is almost impossible to get through to them and when you finally do the representatives are very disinterested in your particular situation. In addition the credit bureaus are only interested in up-selling their credit monitoring services. Which even if you buy will do nothing to fix your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BMO HARRIS charged me 10 ( TEN XXXX overdraft fees, when I specifically told them on the phone and online, that I do NOT want overdraft. 

BMO HARRIS paid a {$12.00} overdraft and then charged me {$70.00} dollars, which is a 600 % profit for them. USUARY and FRAUD. 

I told BMO HARRIS. If there is not enough money in the account, do NOT pay any fees. Simply decline the transaction. For the sole purpose of defrauding their customer, BMO HARRIS decided to pay {$12.00}, then charge me TEN ( 10 ) overdraft charges. 

BMO HARRIS has now sent my account to XXXX  XXXX  You must prevent this customer abuse. 
1 ) I never requested overdraft 'protection ' 2 ) Charging customers a 'FEE ' of 600 % is fraudulent and abusive

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 2019-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
OnXX/XX/2019 at XXXX my credit card was stolen from my car. I called in to file a claim and lock my card. The thief made a change of around {$250.00} on my card at a Walmart. I disputed this claim right away. Capitol one gave me back the money at the time but shortly after, charged me for the thief 's shopping spree. I made a second claim but after days of disputing i was told to take the product back if i wanted my money back. Obviously as i was robbed, i do not have product to give back. I have video footage of my car being broken into on that day and time. The charges were made roughly an hour after my card was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have been trying to send the attached documents to Flagstar we have faxed them in multiple times and they will not go through. I have this exact problem on another file, and this has been ongoing for the last several months with Flagstar on ALL our short sales with them. I have called in and attempted to get another fax number or an email address, and Flagstar has refused. 

Since their fax number has not worked for several months, the only way to get documents to Flagstar is to file a CFPB Complaint and attach the requested documentation. 

This is not acceptable and needs to STOP IMMEDIATELY. 

XXXX Flagstar currently does not have the ability to service their files and is in violation of their contractual servicing obligations.

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 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is not the original lender of mortgage. I am XXXX handicapped and they have tried to take advantage for years I do not know where to begin. First they tried to pull off a short sale, they changed the date the mortgage payment due, put liens on property without serving me court documents. Now they are trying to bill me for past years I did not have house insurance. I was told in real estate class that California law states that if house is more than 2/3 paid off you do not have to have house insurance. 
Chase is going out of there way to add extra costs onto the mortgage every few years and it is because I am XXXX  disadvantaged  and they want to take advantage of me. I feel they will not hear what I try to tell them and come after me underhandedly and wickedly to add extra costs. This violates Americans with Disabilities and is so unjust. It is done because I am a widow, XXXX, poor and without resources to protect myself. It never ends. Has been going on for years. 
I sent a check for XXXX for escrow only. Chase decided not to put it in escrow which understandable they want money, interest, ect. I then ran into extreme financial crisis and asked if they could put it towards next months mortgage or mail back. Instead they try to bill for house insurance years past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lifted a freeze on my Experian credit report in XX/XX/2019 but lenders are still receiving notices that my credit file is locked. After many calls over two months I finally was told that lenders are unable to access due to their database issue. I am unable to get approved for loans or credit cards due to their lack of urgency in solving the problem. I am unable to receive a copy of my own credit report after requesting one to be mailed in XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I was told again it will take 3-5 business days to resolve and I should receive a credit report in the mail in 7-10 days. This has caused me undue hardship for 2-3 '' months trying to apply for credit to secure a mortgage.

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 2019-12-20 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I took out a loan with XXXX XXXX in 2013. I began having difficulties paying back the loan and requested a settlement with XXXX XXXX for less than the entire amount I owed. 
XXXX XXXX agreed to my offer and told me that the account would not appear as negative information on my credit report. 

I recently applied for a credit card and was denied because XXXX XXXX reports the account as seriously delinquent. Previously I have contacted XXXX XXXX and the credit bureaus to have the information corrected. They all tell me it will take approximately 45 days to correct the credit information and then nothing happens. 

This all happened more than 7 years ago and I am told by the credit bureaus that the info will stay on my report for 10 years. 

All of the above not withstanding the credit bureaus are very unhelpful. It is almost impossible to get through to them and when you finally do the representatives are very disinterested in your particular situation. In addition the credit bureaus are only interested in up-selling their credit monitoring services. Which even if you buy will do nothing to fix your 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 2019-12-20 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: IN

Complaint narrative:
This has to do with an old complaint, a while back i wrote you are in regards to an account on my credit file, that was caused by identity theft/fraud. this account was remove from my file and then re-inserted and re-aged over and over again. I sent in a police report and it was deleted from my account, then the credit bureaus put them back on my file, so i went and file another identity theft police report in regards to the same account, it was deleted then again re-inserted and re-aged again, due to the fact, another collection agency purchase this same account. how can the credit bureaus keep allowing this same type of action over and over again, without putting a block on this fraudulent account. this should be considered a scam from both the credit bureaus as well as the collection agencies working together with each other. This surely goes against the FCRA Laws and by laws. it seems the credit bureaus do not care about the consumers rights, only making money with the collection agencies. This account has been deleted from my file about 12 times and re-inserted and re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Transunion has reported that I am deceased. This is the second time they have put a deceased alert on my credit file. When I asked who provided this information, I was told they do not know. They legally have to know the data furnisher of this information. This needs to be removed and Transunion is just as responsible as the data they furnish ; therefore, they need to verify someone's living/deceased status prior to placing this information on my credit file. For this reason I am unable to access my credit file online.

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