vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 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:
This is my second time reaching out to Experian, XXXX, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting Experian to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting Experian to BLOCK the reporting of this account from being reported and resold by debt buyers.

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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: AZ

Complaint narrative:
I closed my checking account with this Bank on XXXX XXXX, XXXX. On XXXX XXXX, XXXX this Bank sent me a letter that there is an overdraw balance made on XXXX for the amount of {$55.00} which is incorrect and threated to claim the overdrawn amount with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was given a check from a friend for {$85.00} drawn on her Chase checking account. I went to cash it at the JP Morgan Chase Bank ( Branch XXXX ) and used the drive through window at XXXX XXXX on XXXX XXXX, 2017. The transaction took far longer than I expected, and when I asked the teller, XXXX, what the delay was for, she said they were verifying the funds availability. I was then given a sealed envelope with my cash and ID and I opened the envelope about 1/2 hour later. To my dismay I found they had assessed an {$8.00} fee which is almost 10 % of the total amount of the check. Not once did the teller inform me that they were assessing any fee, much less {$8.00} for a check drawn on their bank. I returned to the bank the next morning, as they were closed by the time I discovered this fee. I spoke with XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX, 2017, less than 16 hours  and less the 1 business hour from the time the transaction was completed. I was told that they could not do anything about it because it was completed the day before. They claim they had to charge the fee since I did not have an account with them. My complaint is twofold : They did not tell me they were charging a fee at all and the fee they charged was excessive. I would like a refund of {$8.00} since the check was drawn on that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) Dispute confirmation XXXX is still showing as pending on the online dispute status tool. The work has been completed. I have called the Equifax dispute customer service who continue to confirm the work has been however they have no idea or why the online status information has not been updated. I was told that this is holding up alerts to credit monitoring. I have been transferred back and forth between the dispute department and the personal solution department and Equifax refuses to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address

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 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a number of inquiries on my report from when I purchase my vehicle in XX/XX/XXXX I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uptain Group, Inc.
State: TX

Complaint narrative:
On or about XXXX/XXXX/XXXX I was taken to the emergency room by XXXX XXXX XXXX -these charges were covered by my employer heath plan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I have contacted American Adjustment Bureau on several occasions and told them I am disputing all charges from XXXX XXXX. I have asked for a statement of all dates and amounts owed which they have not provided me. I need originals from this company. They are trying to over collect money from me. Now I see it is on my credit reports. I want this removed off my credit reports. I told them I dispute the charges, and I am NOT paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: KY

Complaint narrative:
This debt from I.Q. DATA INTERNATIONAL, INC, was added to my credit report. The amount is XXXX which I do not owe from an apartment complex, XXXX XXXX. First off the apartment complex was aware we were moving. We had no central air during the summer, we were given the wrong apartment and various other issues they were in breach of the lease agreement. Management was aware and notice was given then they turned around and posted an eviction letter, they kept our deposit, and we moved.No one ever contacted me on any bill. The date is wrong wrong on this we lived there in XXXX this was reported in XXXX. Furthermore this apartment was rented out the next month. We are not liable for this debt and certainly not that amount. Interest is also collected this is a non interest collection. Who ever heard of collecting interest on a collection debt. This company was involved in a class action lawsuit for exactly what is going on here. I want this off of my credit report. Nothing has even been sent to me substantiating this debt. I have disputed this multiple times. with no results. This is my last resort before legal action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX an unauthorized person who i do not know accessed my account and wrote 37 electronic checks and stole a total of {$8500.00} from my account. All withdrawal was made on the same day. XXXX/XXXX/XXXX. I have never written an electronic check in my life. The signature does not match my own. The checks went to 3 different accounts, none of which I know. I submitted a complain to CITI BANK on XXXX XXXX XXXX. They responded with a letter on XXXX XXXX saying that while they do acknowledge it is fraud, they will not return any of the money to me as I filed the complaint more than 1 month after the incident took place. Attached is the letter.

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 2017-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Because of the theft of my identity I no longer have a home. On XXXX/XXXX/XXXX Regions Bank allowed XXXX XXXX to transfer XXXX to XXXX XXXX XXXX XXXX. I received a settlement from a XXXX XXXX lawsuit in the amount of {$100000.00}. I set up two C/D 's in the amount of {$44000.00} each. The XXXX Family abused money from the department of labor to make payments on several mortgages. Regions Bank reported interest to IRS. Never contacting me from XXXX through XXXX when I learned my identity was being abused. Payments was being made to XXXX XXXX. I never provided these companies with Regions EDI or my online entries. My labtop was hacked into in XXXX all of my files was stolen. My home was broken into in XXXX when I learned my identity was being abused. XXXX XXXX and company amended and restated my tax returns from XXXX through XXXX. XXXX XXXX was employed with the company at that time. XXXX XXXX had a relationship with Regions and an account. She was the XXXX XXXX XXXX when I was laid off in XXXX. I was told she was going to fix it for me not to be able to get another job. She saw what the XXXX family was doing. Someone filed a tax return in XXXX and put the funds into the account I once had with Regions. The FBI told me to pull all of my tax returns. This is how I learned of this, the amount was five thousand plus. An exemption was used, I did n't have an exemption in XXXX. The amount filed was incorrect. There was no XXXX filed or XXXX for the department of labor. I never received interest statements, not for the C'D 's I had. Or mortgage interest statements or any fraud transpired, even though I did n't apply for the loan with XXXX XXXX XXXX. Regions reported this fraud to IRS. This is abuse of His Housing. I had a FHA loan, these people have property in different states using my information.

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 2017-06-21 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: CarMax, Inc.
State: NC

Complaint narrative:
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Equifax as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 28 total. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: GA

Complaint narrative:
On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
Trinity Financial Services is a company built on purchasing old debt and then threatening or proceeding with foreclosure as soon as the value of you home justifies them doing so. We attempted on several occassions to negotiate a settlement with them but their response was to file a notice of default against us and pursue a foreclosure. Even though the foreclosure would net the company less money than we were offering. Their website suggest work out programs but also touts how investors can receive amazing returns on their investments. The tactics and lack of ethics used in our case are well documented and repeated in several cases based on the number of complaints I saw on the CFPB site however they are currently in violation of Reg Z and the servicing laws designed to protect consumers. Since the notice of default was filed we provided the default amount and reinstated a HELOC that was taken out in XX/XX/XXXX ... ... yes they waited 9 years to file an NOD against us. in fact Trinity Financial did not even have the recorded assignment of the deed of trust when the NOD was filed ... which is a violation in an of itself. That said we reinstated the loan in XX/XX/XXXX and have since made two full payments on the remaining balance. to this date as of XX/XX/XXXX we have received absolutely ZERO communications from them regarding our loan balance, loan number, payment received and applied/or not applied ... ..NOTHING!!! I have sent at least 4 emails and made multiple calls with no response or direction. The fact is there is only one department ... ..loss mitigation. When you ask about loan servicing you get the same folks in loss mitigation. This organization is not equipped to service loans and at this time we believe they are violating the law with regards to providing the necessary statements and documentation of the payments received along with what the balance owed is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : EQUIFAX:XXXXX.2016 and XXXXX.2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AZ

Complaint narrative:
I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: NV

Complaint narrative:
I am currently fighting with Bank of America for my debit card had been compromised over several days and at several XXXX machines at the XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX NV. XXXX on XX/XX/XXXX for {$300.00} then twice again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NV, XXXX for the amounts of {$200.00} and {$100.00}. The account was used three times again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX, XXXX XXXX NV XXXX for the amounts of {$200.00}, {$100.00} and {$100.00}. The card was used a fourth time on XX/XX/XXXXat the XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX for the same amounts of {$200.00}, {$100.00} and {$100.00}. Along with the withdraws was 7, {$2.00} balance inquiry fees and withdrawal fees totaling {$17.00} on XX/XX/XXXX and 7 more {$2.00} balance inquiry fees and withdrawals fees totaling {$17.00} on XX/XX/XXXX and 6 more {$2.00} balance inquiry fees and withdrawals fees totaling {$15.00} dollars on XX/XX/XXXX. I did not realize the transaction had taken place until I returned to work the morning of XX/XX/XXXX to look check my account balance and noticed the charges. I called Bank of America 's frauds claim department to cancel my debit card that morning to start the dispute process as soon as I saw over  {$1500.00} in fraudulent withdrawals and fees in my account. After I filled the claim I also reached out to the XXXX Fraud Department and was able to track down the locations of the four XXXX that my account had been comprised. I was in contact with Bank of America several times during the claims process expressing that I have expressed that I can provide video and hard evidence on my wear about 's and that I had my card with me during the entire time of these fraudulent withdraws. I was never once in or close to any of these XXXX and also asked several times if I need to provide any type of police report and was told no each time. The claim came back as denied on XX/XX/XXXX with the explanation that " No Error or Fraud Has Occurred ''. I called again today on XX/XX/XXXX to dispute the denial of my claim an reiterated that I am able to prove my where a bout 's and they said they would reopen the claim.

Company response to consumer: Closed with monetary relief