vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$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. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. 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 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I noticed a medical collection reported on my credit file that has to be a mistake because i have issurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
Made a dispute with Equifax on XX/XX/2020 which was received by certified mail # XXXX that was received on XX/XX/2020 per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/2020 that was received XX/XX/2020 certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Equifax Equifax Credit Information Services,  XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 
I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables Account # XXXX Designed Receivables Account # XXXX XXXX  XXXX Account Never Late XXXX/XXXX  Account Never Late Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act  Additionally, I would like to have all other names, addresses, phone numbers and place of employment indicated on my credit report removed, as I believe they are cross-referenced with other individuals with similar names. 
My correct name is : XXXX XXXX My correct address is : XXXX XXXX  XXXX XXXX, XXXX XXXX, California XXXX My correct employer is XXXX XXXX I believe creditors have not entered my name correctly when requesting my credit file. Please remove all other names and addresses and employers. I do not wish to be confused with individuals going by any other form of my name ; therefore, they must be removed. 
Signature and SSN redacted for privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sent payment to reduce amount owed as per instructions, on XXXX XXXX of {$3200.00} which was received electronically on XX/XX/1920 but has not been allied to our account so we can finish the loan process to purchase the car. Told that they received the payment at first and would only take few extra days to process, now they do not see the payment at all. We requested an investigation but they stated it would take til XX/XX/XXXX. Mazda Capital XXXX Chase, was told we are buying the car before payment was sent and was not notified of that there would be a delay.Today they stated they could not process a payment more than 8 months of payments, which seems crazy due to the varying amounts of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IL

Complaint narrative:
My Chapter XXXX bankruptcy was discharged this XXXX, 2020. After reviewing my credit report I see that my existing mortgage with USBank Home Mortgage is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time.

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit.

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.

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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC.
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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TX

Complaint narrative:
I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 


I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 

I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX  account that appears on my credit report.. This account is inaccurate, old/time expired.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I previously filed at complaint with CFPB and Bank of America and the case was closed today with only a partial amount of the money being refunded. 

The company still owes me a large some of money that was fraudulently taken from my account. The charges for a business-platform software program are large and nothing we every ordered. This product ( XXXX XXXX ) that was fraudulently charged to our account is a software program meant for a large business. Does not make any sense at all that this program would be charged to a personal account. Our money was never protected and bank of America made no effort to protect our money. Our money is not safe with Bank of America if they let fraud like this happen. 

Does not make sense that Bank of America only refunded a small portion of the fraud and not refund the full portion. The monthly charges for XXXX XXXX that my husband and I never ordered, have no evidence of owning, and would have not need to own. 

I am asking that CFPB ask Bank of America to reopen this case and investigate further. They are telling me there is a " not enough evidence '' to reimburse the money. However, I have plenty of evidence. We never authorized the buying of this product, we don't own this product and we don't have any need for such a product.

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 2020-09-02 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: NJ

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. 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 2020-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc.
State: MO

Complaint narrative:
Received call from company of whose name I did not notice at XXXXCST on XX/XX/2020. Individual called from a XXXX. Identified himself as Mr. XXXX from the XXXXXXXX XXXX XXXXXXXX XXXX. Reported that he needed my statement of defense regarding a civil complaint filed against me immediately. Received a second call a few minutes later. Mr. XXXX reported that he was unable to take the statement or give me information. Placed me on hold to speak with a Ms. XXXX. I disconnected the call to answer another incoming call after being on hold too long. Received another call from same number. Individual was a female identifying herself as Ms. XXXX. Reported need for me to provide a statement of defense for civil complaint from her client. Client was later identified as Moneykey with balance owed of XXXX. Ms. XXXX stated Moneykey had sent several collection notices that were returned by the post office. Ms. XXXX reported I needed to settle issue today or she would further advise her client, Moneykey, to pursue a judgement within my county. I requested The documentation that Ms. XXXX have be sent to me for verification purposes. She informed me that she could not do so even after confirming my email address with her. Ms. XXXX demanded that I provide a settlement amount request or she would advise client to pursue judgement in civil court. I offered Ms. XXXX a number and disconnected the call after a prolonged hold period. Ms. XXXX later continued to contact my phone with an estimated six calls in a two minute timespan. On the last call at XXXX, Ms. XXXX threatened me once again stating i had thirty minutes to return her call or she  would encourage her client to pursue a judgement. Her approach has been harassing and threatening in nature and she discussed I could Only communicate with the client through her, not directly. The inability of her to provide sufficient documentation surrounding this complaint was extremely concerning as when I attempted To look up her agencies contact information, nothing was located regarding XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This XXXX/DNB has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I tried to make the payment and it didnt go thrue. I didn't received a call that the payment was due and I found out checking my credit score I did the payment intermediately. Their system did not proceed the payment and my account is current with no debt but in my score says that I own the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Impacted by the Covid 19. Please have XXXX XXXX remove late payments from 3 credit bureaus ( My credit report. I have explained to XXXX from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before covid 19. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what XXXX has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that XXXX was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY XXXX XXXX  XXXX. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX  XXXX! The least XXXX can do is remove these late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Received a letter date XXXX from Bank of America stating they were working on an application for the Bank of America Rewards Visa Signature card and needed to verify information. They gave a contact phone number as well as contact information for XXXX. I contacted XXXX  and requested they put a fraud alert on my account my bank debit card had been compromised in XXXX. I was issued a new card and the fraudulent charges to my bank account were reversed. 

Please note I am reporting this as possible attempt to steal my identity based on the debit card incident. I have never banked with Bank of America nor have I ever requested any type of charge card from that institution. I will be making a police report on XXXX as well and filing that with 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 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
In XXXX I had severe hail damage to my residence. Select Portfolio had placed hazard insurance on the property through XXXX XXXX XXXX XXXX. Because of financial restraints I did not have the funds needed to go along with payment of repairs. Finally in XXXX I was able to complete the repairs. I contacted a roofing company and had the correct paperwork drafted and signed and submitted the paperwork through XXXX. I submitted the required documents and resubmitted documents that had errors on them. I was assigned an insurance claim check tracking number initially of XXXX. After submitting the proper paperwork, an initial check in the amount of {$1900.00} was sent to me. The check had my name and the name of the roofing company on it. I endorsed the check and gave it to the roofer. The roofer completed 50 % of the repairs as stipulated by the terms of the claim which required the replacement of the roof. The other remaining work that needs to be completed is siding replacement. As instructed by the roofer, I contacted XXXX and spoke with a representative to request an inspection. This is when the runaround began as the representative that I spoke with said that they ( Select Portfolio Servicing ) had no record of the check ever being received. For over a month I have been calling and speaking to several people to get a understanding of what was going on. On XX/XX/XXXX I spoke with someone by the name of XXXX. This representative stated that Select Portfolio decided to apply the funds from the insurance claim to my mortgage account because they had not heard from me. I was also informed that a check for the amount of {$1800.00} was sent to someone named XXXX XXXX. This person never did any repairs to the home. I have had to file bankruptcy and of all the paperwork that I recall seeing 'does not show any indication of the application of insurance funds for my damaged home to my account. My current bankruptcy status includes me making payments for all delinquent amounts as they relate to my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
I signed up to use Freedom Debt as I had 2 XX/XX/XXXX and was in midst of a divorce causing financial hardship in XX/XX/XXXX. I was told in XXXX that I would have debt settled in the range of 40 % -65 %. With fees my settlements included to be 8 % debt reduction. No where between range promised. 

I messaged Freedom debt on their app what the pay off would be and how soon it would pay all accounts and graduate from program in XX/XX/XXXX. I was told the amount was and it was 30 days and all would be completed. I made the deposit requested by FDR on XX/XX/XXXX I messaged in XXXX after 30 days as accounts were not being paid and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in XXXX after 30 days from may contact. Accounts were not being paid still and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in 2 weeks later XXXX after early XXXX contact. Accounts were not being paid still. I told FDR to seize and desist from withdrawing from my bank accounts. They still did it after the seize and desist request. I have screen shots of the messages related to these messages. I complained to FDR yet again and told them next time an attorney will be contacting them. They resolved the debt immedialtey and was paid of XX/XX/XXXX. 

Today the accounts are paid off but continue to take fees on remainder of balance. I have exhausted all possibilities of working with FDR when seize and desist order was not taken seriously. 

They extended my poor credit even longer so I could not refinance my house in time per court order and affected my credit scores to stay poor longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account balance was paid in full and closed. Thus far, they refuse to update the account showing as much. Despite multiple disputes with Experian, the account has not been updated and according to Experian, XXXX continues to report an account balance. This is impacting me financially and my ability to secure another loan for a house. In addition, XXXX listed a non-working contact number ( XXXX ) on the credit 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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND NOTICE ACCOUNTS THAT I NEVER OPENED

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