vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. It has been brought to my attention that XXXX I reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. XXXX XXXX XXXX {$430.00} 3. Fair Collections & O

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 2021-09-15 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: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
This relates to my original CFPB complaint number XXXX about my Mastercard with Fifth Third Bank. This was about a fraudulent charge to my card in XXXX, 2021 to The XXXX XXXX XXXX. 

The company replied to me about the complaint saying this charge was legit as it was made by another authorized user of my card. This is a lie, and is impossible since I'm single, live alone, and am the ONLY user of this credit card. 

XXXX XXXX, an employee of the Office of the President of Fifth Third Bank is the contact person the company assigned to my original CFPB complaint. We talked briefly a few weeks ago when he first got my complaint. Since receiving their decision letter, I have tried numerous times to reach out to him to discuss and have him explain just who this alleged " other authorized user '' supposedly is. All I get is voicemail when I call. I have left messages and no reply yet from him. 

Since there are NO other authorized users on my card, the whole reply to the original complaint is fraudulent. I want the original complaint re-opened and an explanation about who this " other user '' is supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received a credit card from Comenity Bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for which I never applied. I contacted Comenity and XXXX XXXX directly on XX/XX/XXXX and reported as fraud and they began an investigation as the account was opened on line and already had a balance of {$300.00}. I also pulled a credit report and it is listed as a new account as well. I placed a freeze on my credit with all three credit bureaus. This new account has resulted in a decrease in my XXXX score. I normally wouldn't be concerned, however, I am in the process of applying for a mortgage. I need this to be corrected asap and for this to be corrected, recorded as fraud and removed at all three credit bureaus. Thank you for your help in resolving this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.

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 2021-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 

According to RESPA 12 USC Section 2605 ( e ) my lender had 20 days to acknowledge receipt of my Qualified Written Request and 60 Days to provide me with answers to my questions pertaining to the loan. This complaint is specifically pertaining to the payoff amount however the lender has failed to acknowledge my QWR. 

On XX/XX/2021, I sent a QWR to the mortgage company counsel. The QWR was delivered to the address at XXXX o XXXX XXXX ( see attached USPS tracking ) XXXX. I have not received a response of acknowledgement from the lender. 

I am hereby disputing the amounts due and owing which is contained in Select Portfolio Servicing payoff amount specifically an additional advance balance in the amount of {$75.00}, XXXX which is due and owing and proper accounting of interest and escrow balance. I want full disclosure of this amount in particular or if it is deemed an error I am requesting the servicer to update the payoff amount and provide an updated payoff amount. Other family members were surprised when I spoke to them of the amounts due and owing especially when the amount disclosed by previous counsel less that 9 months were lesser. 

Here, Select Portfolio Servicing has erred by not acknowledging or/and providing the above items to me in a timely and/or sufficient manner. Specifically, Select Portfolio Servicing XXXX XXXX as violated XXXX C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ; 12 C.F.R. 1024.35 ( b ) ( 6 ) ; and 12 C.F.R. 1024.36 ( c ). By copy of this notice of error, I am once again requesting that Select Portfolio Servicing immediately provide an breakdown or itemization as it relates to the payoff amounts of the settlement dated XX/XX/2021 and correct all errors as it pertains to the payoff amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my third request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I traded in my XX/XX/XXXX XXXX XXXX XXXX to a dealership back in mid XXXX. My lease was paid in full by the dealer first week of XXXX. I did not stop my auto payment nor go to the originating dealer to cancel my extended warranties. That being said my loan was overpaid by roughly {$4500.00} confirmed by representatives at Chrysler Capital in early XXXX It was explained to that the money would be refunded to me via check in 45 days not to exceed 60. At the time I believed that to be excessive but I was patient because what other choice do you have? I have now spoke with Chrysler Capital a total of five times totaling several hours. I have been promised the checks would be mailed twice, overnighted via XXXX once while being included on email correspondence for confirmation, and today a call back from the executive customer service office. Everyone is pleasant and makes promises that get me off of the phone feeling satisfied that the problem has been resolved but not a single person has followed through. It is unacceptable to hold money owed to a consumer for over 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18,
imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 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:
XXXX had my personal info compromised. I do not apply for anything online. Both companies XXXX  and alsoXXXX XXXX have both agreed to remove.due to fraud. They have removed from XXXX  and XXXX already XXXX transunion had failed to remove even though the companies have agreed to remove. Please have transunion remobe from file or i will file suit for fraudulent info on transunion 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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NC

Complaint narrative:
To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Today I received the loss mitigation package for a loan modification. 

There are several problems. The paperwork that was sent to me was a loan modification claiming my unpaid principal balance is {$190000.00}. This is incorrect. The outstanding principal balance on my last statement was {$170000.00} and the original loan amount was only {$190000.00}. In addition to the principal balance being incorrect, the loss mitigation itself is incorrect. I had not requested a loan modification. I have requested a deferment or VA partial claim to pay back the forbearance amount.

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 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX dollars were withdrawn from my account by BAnk of america without my knowledge throwing my account into negative balance When questioned they said they had an accounting mistake and will be credited back When called again said dont know it may take 7- 10 days for credit back Customer service agents not helpful Cant get an appointment at the local bank they have no open appointments I have bills to pay

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 2021-09-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2012 with an amount of {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2021 I served Discover with a cease and desist pursuant 15 usc 1692c ( c ) which I will have attached to this complaint, along with an affidavit of truth stating how they been violating my federal rights under 15 usc1692c. As a consumer and a natural person i have the right to refuse to pay for the alleged debt. Discover received the certified mail on XX/XX/2021 at XXXX. They completely ignored what I send which is another violation by sending me a post card with the intentions of continue to collect the alleged debt. Prior to sending the certified mail with the affidavit of truth and cease and desist I was receiving multiple calls at inconvenience times and without my authorization, receiving emails, and letters with the attempt to collect a debt. I requested proof of validation through the CRA 's which they never provided to me. I attached a request for validation and invoice for {$39000.00} with a few of the exhibits and proof collected by me letting them know that I am invoking my remedy as a consumer and the original creditor pursuant 15 usc 1692c ( c ) ( 2 ). all of this will be
attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
lexis nexis has blatantly declines to delete information which has so many inaccuracies. I called LexisNexis to verify why are they sharing incorrect information and why is it they send me a report with so many inaccuracies. I told them the integrity of the data is shows so much inaccuracies and I need it to be deleted based on the FCRA US 15 1681M A security freeze was placed on my LexisNexis report on XX/XX/2021 and XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I purchased a debit card and put {$400.00} on it. I have been on your web site for 3 hours trying to register my card on you web site!!! Your web site keeps telling me to try again, again and again. I am truly frustated!!!!!! I have NEVER BEEN ON SUCH A XXXX WEB SITE!!!! HELP!!!!!!!!!!!!

Company response to consumer: Closed with explanation