vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
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 with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$6500.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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 {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}.

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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 


-- XXXX XXXX 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
To whom it may concern, I purchased a condominium via Guaranteed Rate dated XX/XX/XXXX. Within months, the mortgage was sold to Wells Fargo Home Mortgage. Since purchase, I pay ~ $ 1500 monthly payments to Wells Fargo Home Mortgage. 

XX/XX/XXXX, I noticed my monthly payments increased to ~ {$1900.00} charged XX/XX/XXXX. I initially assumed property taxes increased by ~ {$400.00}, knowing my district was due for reassessment. After research and talking with my condominium manager, I learned Wells Fargo 's charge was higher than the property tax increase by an exorbitant margin. 

I called Wells Fargo to inquire into the accounting charge, late one night in XX/XX/XXXX, and talked to a skilled customer service representative. She had all the tools at her disposal to check on my situation, she knew what to look for, and she explained ... 

" [ ... ] the error doubled the annual tax payment [ ... ] '' This error increased monthly payments ~+ {$400.00}, ~+26 % of agreed upon rate. I was told the problem would be fixed in 14 days ( a date before XX/XX/XXXX payment ). 

I called customer service after another overcharge was taken from my account on the date XX/XX/XXXX. A new account representative was assigned to my case. She was unskilled or missing necessary tools to solve my case. I was set to have resolution by the date XX/XX/XXXX addressed in a letter from one " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX letter boar no contact information. An inquiry looking into the agent 's credentials showed a current position at XXXX XXXX XXXX with ties to Wells Fargo which ended in XX/XX/XXXX. 

The following are timestamped letters adding more time for charges related to my problem 's " inquiry '' : XX/XX/XXXX moved resolution expectation to XX/XX/XXXX XX/XX/XXXX moved resolution expectation to XX/XX/XXXX Charges continue against my account, seizing money supply from my checking account needed for food and utility bills. 

Nothing has been resolved. I am being overcharged. Executive Care and Recover-er XXXX XXXX does not answer my calls, check-in, or share any client information whatsoever.

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 2020-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2020-02-08 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
RE : Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too. 

BMW Financial of N.A. or BMW USA only reports to XXXX and therefore XXXX can not see the 4 year history of payments on my XXXX vehicle and its status as Closed in Good Standing. I am trying to get a credit line with a bank who relies on XXXX  not with XXXX where this favorable history was reported. I can not add this info to XXXX unless BMW Financial of N.A. or BMW USA agrees to send it and they are not because as XXXX explained, BMW Financial of N.A. or BMW USA is following Federal Law by having only reported to one bureau.

This creates a disadvantage for consumers when creditors both : report to only one bureau, and when consumers want a line of credit from a creditor who relies exclusively on a credit report the consumer can not add favorable credit histories to because by law a creditor is required to report to one credit bureau. Consumers can't migrate favorable credit histories to creditors who may exclusively rely on one bureau.

Consumers need to dispute unfavorable reporting, but also need to add positive reporting histories of credit use between bureaus too.

Resolution : Allow consumers to migrate their favorable credit histories between the bureaus by having the bureaus either give consumers templates and contact info to do so bt/ the bureaus or to issue such favorable credit history reporting in correspondence between the bureaus on the consumers behalf.

My account # which is closed and in good standing is Loan Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Control, LLC
State: CA

Complaint narrative:
Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks XXXX XXXX is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include XXXX XXXX I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: TN

Complaint narrative:
I have been fighting this issue for over a year now. My latest attempt was to day XX/XX/2020 @ XXXX. I have made several phone calls throughout this week to EQUIFAX. I have also sent mail out with documents to justify the incorrect information reflecting on my credit profile within the last two weeks of date XX/XX/2020. I have recently sent off more documents priority mail today XX/XX/2020. I have sent over fax mail with the documents to justify the incorrect information reporting to my credit profile on XX/XX/2020. The problem is that I have two accounts online with EQUIFAX. One is a subscription I pay monthly for Equifax Advantage Plan Subscription which is reporting my information correctly. However, myequifax.com is reporting my information incorrectly with fraudulent accounts and a fraudulent social security number as well, along with addresses that are not mine. MYEQUIFAX.COM does not require a subscription and is free to sign up ON THIS WEBSITE MY INFORMATION IS REPORTING FRAUDULENT INFORMATION. I HAVE ASKED THEM TO REMOVE THESE THINGS AND HAVE SENT IN THE DOCUMENTS & STILL NO RESOLUTION. I HAVE DISPUTED THESE THINGS BEFORE AND THEY WERE REMOVED/DELETED BUT IT IS NOT REFLECTING ON MYEQUIFAX.COM ITS ONLY REFLECTING ON EQUIFAX.COM IN WHICH I PAY THE SUBSCRIPTION MONTHLY, AND WHEN A CREDITOR PULLS MY CREDIT THESE FRAUDULANT ACCOUNTS SHOW UP EVEN WHILE IM USING MY CORRECT SOCIAL SECURITY NUMBER. ALL BECAUSE MY INFORMATION IS NOT IN THEIR SYSTEM CORRECTLY. THIS IS AFFECTING THE OVERALL HEALTH OF MY CREDIT. I CAN USE MY VERIFICATION QUESTIONS TO UNLOCK MY ACCOUNT WITH CUSTOMER CARE AT EQUIFAX AND THEY WILL ACCESS THE ACCOUNT WITH FRADULENT ACTIVITY ON THERE. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: Nelnet, Inc.
State: NC

Complaint narrative:
This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/NELNET '' be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I checked my credit and saw an account from Ability Recovery for XXXX XXXX for {$1700.00}. I was unable to finish the career training program due to a severe illness that lead to a death in my immediate family.

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 2020-02-08 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks Capital One is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include Capital One I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I need help with wrongful repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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:
These are not my accounts. Please remove them.

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 2020-02-08 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:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cheadle Law Firm
State: TN

Complaint narrative:
The previous response from this company is an outright lie, which is what you would expect from this law firm. 

Here is what they stated in their response : The initial court date was more than 60 days from the initial notice. The borrower is also wrong in his claim above that the Fair Credit Reporting Act applies. Our firm does not report to Credit Bureaus, and has not regarding this borrower. 

The very FIRST communication I had with this law firm was XX/XX/XXXX and they filed a court case WELL UNDER 30 DAYS THAT THEIR LETTER LEGALLY OBLIGATED. This law firm response stated that I pasted above says the court date was more than 60 days. THIS IS A FLAT OUT LIE. It was well under 30 days from the FIRST COMMUNICATION I EVEN HAD WITH THIS LAW FIRM. XX/XX/XXXX XXXX to XX/XX/XXXX the date of the lawsuit is WELL UNDER THE 30 DAYS THEY PROMISED ME IN THIS, THEIR VERY FIRST LETTER TO ME. I didn't even receive this letter until XX/XX/XXXX, probably this law firm HELD the letter as shady and unethical as they are, in order for me to have less time to respond. 

CFPB, DO SOMETHING ABOUT THESE SHADY LAW FIRM AND HELP ME RESOLVE THIS LIKE YOU ARE SUPPOSED TO DO. 

THEIR RESPONSE WAS A FLAT OUT LIE. I have a paper trail to prove their shady practices and I will continue to fight them, including with the Attorney General of Tennessee as well as the XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NV

Complaint narrative:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I request via certified Mail in XX/XX/XXXX a BENEFICIARY REQUEST STATMENT pursuant CA Civil code 2943 in regards this mortgage Account to the Beneficiary, Investor, Owner of my property BANK OF AMERICA. In the letter I explained my grievances having with its Servicer in using Fabricated Fraudulent documents to block my legal proceedings and denying me to get an Affordable Loan Modification, even after I spoke with XXXX XXXX a manager for Bank of America in regards He promised me to have it taking care but his promises felt short. 
I ' m attaching the first response from Bank of America 's Attorney Dated XX/XX/XXXX denying to respond me she attached old responses from XX/XX/XXXX another from XX/XX/XXXX stating BANK OF AMERICA is the only investor and the response from its Servicer XXXX XXXX dated XX/XX/XXXX stating due to a pending litigation they cant provided me an answer, Just for your information the Litigation is an Appeal stage and does not have not issue in regards my letter states " BENEFICIARY STATMENT REQUEST '' it doesn't name no servicer. 
* I did a second Request of the same document last XX/XX/XXXX and Bank of America responded XX/XX/XXXX stating the same response as XX/XX/XXXX. 
( Your system didn't allow me to upload the second request and the Bank America 2nd answer ). 

Bank of America denied to responded me it has concealed information to disclose to me in regards been the Real Beneficiary/investor/Owner in my House property Deed of Trust. I would get Assistance with my Congressman XXXX XXXX to escalate with one of your US Regulators to fully investigate Bank Of America for Concealing to use fraudulent documents and Allowed its Servicer XXXX XXXX using an Unauthorized Trustee " XXXX '' to steal my house in a Foreclosure Sale dated for XX/XX/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 2020-02-08 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:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
My card was stolen XX/XX/2019, from a drive thru employee at XXXX XXXX. I noticed that the card was missing on the XXXX when I stopped for gas. I thought it was lost in my car, so I looked for it to no avail. I wasn't worried because no new charges were on my card. The next day, I noticed over {$800.00} in new charges. I immediately called the credit card company and the police. They tracked down the thief and questioned her and told her to turn herself in. She never did. There is an active warrant for her arrest to this day. American Express came back 30 days later stating I was at fault, even after submitting my affidavit as well as all police reports and charges filed. I've since disputed the charges twice more, all of which I'm told I'm a liar and I'm at fault. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I checked my credit and saw two accounts for choice recovery for XXXX XXXX for {$51.00} each. I never received any notice of these small debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.

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