vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I have sent XXXX, Trans-union, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX 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 2019-10-16 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: TX

Complaint narrative:
I have sent Experian, XXXX, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX , TX ,XXXX, XXXX XXXX XXXX , XXXX, TX ,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
Consumer complaint received 2019-10-16 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: CA

Complaint narrative:
Experian is depicting XXXX/XXXX XXXX, account number XXXX on their bureau report.On XX/XX/2019 I sent in a dispute by mail.The account was not investigated or put under dispute.Therfor I submit the following : This account was established giving credit to purchase merchandise, a ring. 
The original amount was over $ 3000.After paying about a {$1000.00} in payments I found out the real value of the merchandise ... .not due to devaluation of gold or diamonds the ring is not worth {$300.00} due to poor quality.I quit making payments or trying to sell the merchandise.I found out about CALIFORNIA IMPLIED WARRANTY LAWS WHICH WERE VIOLATED AND SELDOM DEFEATED IN COURT AND NOT DEFEATABLE BY DISCLAIMER.THE VALUE OF THE RING AND AMOUNT FINANCED WERE DRAMATICALLY LESS THAN THE VALUE STATED AT PURCHASE ... ..DELETE FROM MY REPORT.

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 2019-10-16 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: NV

Complaint narrative:
There a few accounts that need to be deleted from my report that aren't mine.

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 2019-10-16 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:
There a few accounts that need to be deleted from my report that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for the past few years to get my FREE CREDOT REPORT from all agencies .. EQUIFAX has NEVER sent me my free annual credit report, stating that " they don't have records of me '' .. all other companies " XXXX and XXXX '' have no problems at all and they have sent me my free credit report once a year every time I have requested it online. EQUIFAX has made me send them copies of my personal documents in several occasions and they still refuse to give me my credit report. This situation affects me terrible because even though I have credit cards and I have bank accounts and my credit score is in GOOD status, I can't even buy a car because most dealers use all 3 reports to approve the loans to buy cars. What legal rights do I have against EQUIFAX for having my identity in a Halt as they have??? Please help me urgently because I need to buy a car and move on in life. Life of an immigrant is already hard as it is, I don't need to have EQUIFAX terrorizing and sabotaging me financially. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am constantly trying to unfreeze my Equifax credit report and constantly get the run around saying they are unable to unfreeze because they need my drivers license and social security card. 
I have faxed and mailed by documents numerous times and Equifax states they are either unreadable or the mail got lost. 
Equifax has also been unable to add my birthdate to my credit report as I have requested this on numerous occasions. 
I am also unable to retrieve my credit report online and can not get my annual free credit report. 
I am also unable to unlock my Equifax credit online. 
By law I should be able to get my annual credit report and unfreeze my credit report at anytime. 
I am attaching a copy of the letter I sent to Equifax, drivers license and ss card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 I am locked out of my Chase online banking access & mobile app access and not able to access about {$10000.00} USD in funds that I have in my checking account. The app says to call XXXX, called CSR verified my identity, answered all the security questions ... said they can't help I would have to go to a local branch and show 2 forms of ID. Told them I am working in another country ( XXXX ) 10K miles away from the nearest branch, and will not be returning to the states any time soon. Asked them to connect me to a chase local branch in XXXX said there isn't one in XXXX ... asked to forward me to someone that can help, kept parroting " we can't help you any further go to a Chase bank '' XX/XX/2019 try to email chase through chase.com it says login to your online banking and use the secure email form -- problem I can't access my online banking so therefore I am not able to email chase. 

XX/XX/2019 used XXXX # chasesupport to try and get help, same thing they are unable to help go to a local branch, " ... we're unable to assist further via social media or by phone. ^AN '' XX/XX/2019 XXXX  # chasesupport again said this is not acceptable, would like to escalate issue, did not receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
After six weeks the company Ditech has refused to send the title on my property. I'm unable to close on the sale of the home and am being given the runaround. This incident involving Ditech is not isolated. Ditech had refused to release the title on a previous property that I owned for several months. All debts have been paid to Ditech in full. I was further told that it could take at least six additional weeks when or if Ditech does send a title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-16 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: NY

Complaint narrative:
Please refer to complaint # 's XXXX and XXXX. Citibank recently sent a statement saying they are not returning my funds but will remove the retaliatory remark they put on my credit which negatively affected it. They have not sent me proof of their investigation but base their decisions off of unknown findings they will not reveal to me. I am requesting all findings from the investigations they claim they have conducted to be forwarded to me with all monies returned to 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 2019-10-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Greetings I have been in contact with the Department of Education, XXXX XXXX, and XXXX for the past 15 years directing them and informing them that this is not my debt. I have provided every document they have requested. The fact that idenity theft occurred at the onset was made clear. A few years they finally removed the debt. But now the debt is back on my credit report and they are taking money out of my XXXX check. And didnot give prior notice. This issue is a hardship because i donot owe these funds. It appears that These companies are not interested in following any laws. Under FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) Requirements on Users of Consumer Reports - Prohibition on Sale or  Transfer of debt caused by identity theft. 

Although this issue has been brought to their attention these parties refuse, and deny, following the FCRA regulations. Although they have been notified in writing and by phone that the account doesn't belong to me and that it is the result of idenity theft. This item is presently on my credit report 3 different times by 3 different company names. I have also submitted this into to all three credit bureaus, nothing has been amended or corrected. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage took over servicing from Ocwen approximately six months ago and I have never ( 1 ) received a statement and an ( 2 ) escrow statement reflecting a current breakdown of principal, interest, insurance, and taxes. 

Furthermore, online payments have been setup since inception of the loan ( serviced through XXXX, XXXX and Ocwen ) and every month since PHH has taken over servicing they have canceled my online payment profile. Correspondence sent alerting me of this cancellation has indicated that I am in bankruptcy, which is completely inaccurate. One letter states, " per my request, direct payments have been discontinued. '' This too is 100 % false and inaccurate.

PHH has also rejected one online payment without reason. I was under the impression that it was " declined '' when, in fact, the bank account had more than sufficient funds. I was then forced to submit an online payment in order to avoid late fees. As far as I can tell, no fees were charged despite the warning that one-time online payments are subject to fees. 

What is more interesting, this online payment was accepted whereas past online payments with the exact same banking information were being cancelled every month, for reasons described above. It is not clear why they could accept this method of online payment but reject the payment when it was setup for monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: PA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. XXXX XXXX XX/XX/2019, XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,

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 2019-10-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2019, PayPal made my remaining Account balance of {$520.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an email from my bank, Chase, at XXXX XXXX on XX/XX/XXXX. The email was from fraud services asking if I made four certain transactions. Two of them were mine and two of  them were unauthorized. I then contacted them to let them know about the unauthorized attempts. One of the transactions was from XXXX in California for {$100.00}. I live in Texas. This transaction was immediately deducted from my checking account. The other unauthorized amount was for {$980.00} at a stadium goods and shoe store which Chase declined. Upon reviewing my account details online, an additional unauthorized amount of {$1200.00} was immediately deducted from my account. This purchase was made through someone's XXXX account other than mine to a hair wig and beauty shop in California. Chase contacted me the following day and I disputed these two unauthorized transactions. They refunded me the amounts on XX/XX/XXXX and XX/XX/XXXX. I received a letter from Chase today stating that after investigation, they deemed that I authorized the {$1200.00} transaction from XXXX  XXXX XXXX, and that they will be taking the money back from me within a couple days. I called them immediately and they informed me that I could do nothing with them to stop or change the outcome of their decision to reverse the charges from me. They claimed they had evidence that someone verified the card number, my name, address, and that there was a tracking number for the beauty supplies being delivered to my address. They also claimed that the {$100.00} transaction from XXXX was still being reviewed. I did not make or authorize either of these transactions. Consumers must have a way to protect themselves from this criminal behavior and the banks unacceptable practices in pretending to try and prevent fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: FL

Complaint narrative:
In XX/XX/XXXX we started building a home with Toll Brothers, in order for them to start the building process you need to be pre qualified by the mortgage company they own TBI. 
At the time ( XX/XX/XXXX ) the interest rates where high, we where lured to get a rate lock agreement for 1 year ( takes a year for the house to be built ) We where also considering going with another lender ( XXXX  XXXX ) this year the mortgage rates improved and we decided to go with XXXX XXXX TBI was made aware of this, they cancelled the loan process but enforced the rate lock fee of almost XXXX dollars We asked them multiple times to waive this fee since we are working with another lender but Toll Brothers refused, now they are including this fee in the closing costs via their Title company XXXX XXXX XXXX ( agency they also own ). 
If we refuse to pay it they will not allow us to close with is supposed to be on XX/XX/XXXX and we will be at default, losing thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-16 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: CA

Complaint narrative:
Dear Sir/Madam, This is a verified complaint concerning Experian 's erroneous credit report. i : reported to Experian, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Experian, Experian wrote back to me in letter date XX/XX/2019, under report number XXXX, see attached, that the bankruptcy reports were obtained from XXXX XXXX which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Experian, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Experian to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Experian and its Co Parties Agent ( s ) Principle ( s )  misconduct as set forth above.

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 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I took out a line of credit and now because of the intrest its too much to pay back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation