vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 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:
After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote TransUnion about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL 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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I spoke with XXXX from Allied Collection Services , Inc. twice on the phone after receiving an email for a debt originating from XXXX. I am not convinced that I owe this, which I told XXXX. I was also concerned that I had not received a hard copy of the account by Allied Collection Services , Inc . I told XXXX that if Im responsible for the debt I will gladly pay it but I did not think it was appropriate that I was not mailed a statement. I confirmed my address with XXXX to find that it was incorrect. My apartment number was wrong. When we realized this, I thought that they would send a statement right away. He still refused, stating that they had already mailed one on XX/XX/XXXX, even though he had just identified an incorrect mailing address. This reluctance on their part has caused me to feel suspicious about the legitimacy of the dollar amount in question. I am ready to resolve this quickly, Im not sure why XXXX and Allied Collection Services would choose to operate this way.

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 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I took my car in for some work at XXXX back in XXXX of this year, they offered me financing so I filled out the application and was approved for around XXXX $ through American First Finance. To fix the car issues it cost around XXXX $ and while looking at my bill recently I realized that I had paid XXXX $ for 4 months and that had not lowered the bill at all. I called American First Finance to see what my interest rate was and if it could be lowered, they told me that my interest rate is 144 % and that is the contract that I signed and it can not be lowered. I pleaded with them that over XXXX $ a day during a pandemic for a person who is laid off and is needing to borrow XXXX $ in the first place is making this finance loan very difficult to pay off. They told me there is no way to lower payments or interest so being that 144 % interest rate is very extreme and the goal to pay off the loan seems unattainable I am asking for your help. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
received a notification from XXXX XXXX XX/XX/20, XXXX  XXXX XX/XX/20 and XXXX that my credit score has decreased due to Mr. Cooper a.k.a Nationstar has put a negative comment on my credit file and it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing in merit again to my issue with Citibank not opening a dispute and resolving the dispute in my favour despite asking for information and the merchant not respond and proving that the merchant took my funds and has not performed the work. My issue with with the charge made on XX/XX/2019 in the amount of {$7000.00} with merchant XXXX XXXX XXXX XXXX. I was contact by Citi Executive Response UNit after filing my first claim, requesting more information which I provided and they never were in touch again. To date no refund has been issued. 

XXXX is perpatrade fraud by allowing merchants to bill large sums of money and not protect there cardholder when the merchant is running a scam.

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 2020-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I currently have a HSA through my work, which XXXX contracts XXXX   XXXX  for. Up until XXXX of this year all of my payments have reflected the correct name of the patient. For some reason there have been three payments that no longer reflect the appropriate patient, and neither XXXX or HSA have been able to fix this and just point to the other with no resolution. 

I have three charges that show the wrong patient : {$10.00} {$68.00} {$17.00} I then had a rep show me how to update the expenses after they are posted to show the right patient, but I just want to know why they were wrong in the first place so it can be fixed before another issue occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper, aka Nationstar Mortgage, assumed our mortgage in XXXX, XXXX. Ever since they assumed the loan, we have had issues regarding their statements which have been inconsistent, misleading, false and in one instance, documenation had been altered to change the dates to make it appear as though we were late. They falsely reported us as late to the credit reporting agencies which can be proven through my own documentation that we have never been late. A law firm has contracted with us to sue Mr. Cooper for violation of the FCRA. I have complied with every request, made every payment as directed by them, yet they continue to provide false statements that are full of inconsistencies, inaccuracies and lies. I have been making payments according to their own directive since XXXX of XXXX, yet they ignore their own statements and want me to make higher payments. As recently as XX/XX/XXXX, I received a phone call from Mr. Cooper telling me I am delinquent in my loan for a missed payment in XXXX, XXXX, 7 months ago. I denied their allegation and insisted upon providing me documentation showing the delinquency. They emailed me a document shows no payment received from me in XX/XX/XXXX. My bank account statement clearly shows that I, in fact, did make the payment on XX/XX/XXXX. Their most recent statement, obtained from their website, shows that I now owe almost {$3000.00}. My documents, supported by my bank statement and cancelled checks show that I am not in arrears as they claim. We are attempting to refinance with another company to get away from Mr. Cooper, but their derogatory credit reporting has not allowed us to refinance without exorbitant closing costs, {$14000.00} from one particular company. I have submitted numerous letters, at least 11, over the past year to inform them of their inaccuracies, with supporting documentation, yet they continue to ignore us. Their accoumting is completely erroneous, if not illegal. According to attornies offices I have spoken to and other financial institutions, Mr. Cooper has a history of such practices. They also many internet sources which show a history of lawsuits and complaints. I believe the attached document, my most recent letter to them, can better explain the extent of the mishandling of our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$68.00}. 
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, XXXXection 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$68.00} -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 2020-08-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase credit card failed to resolve a valid credit card charge dispute and accepted fraudulent documents to support the vendors credit card charge. Chase was rude and unhelpful, even given that we were facing an extreme medical situation. I was due a credit for a flight on XXXX XXXX ( XXXX to XXXX on XX/XX/XXXX ) that my family and I did not take due to a medical emergency related to COVID 19.  We provided medical documentation in accordance with the carriers cancelation policy, yet the vendor did not respond to our repeated contact attempts. I contacted Chase to to dispute the credit card charge for the flight, and they denied the dispute after the airline falsely claimed that we actually boarded the flight. This is false. We did not take the flight due to a medical emergency certified by our child 's doctor. I have proof that we did not board the flight including our hotel receipts, and six witnesses ( my entire family ). Surely, the airline could determine through video at the airport that we did not take the flight. Nonetheless, they falsely claimed that we boarded the flight. Chase credit cards was complicit in the fraud by accepting the false documents from the vendor and failing to address the invalid charge they applied on my credit card. This type of blatant disregard for credit card customers and failure to address a valid customer fraud complaint is shameful and Chase should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: OH

Complaint narrative:
I had a credit card debt that Credit Control , LLC collected on previously and they continue to harass me with the same debt but a different account number with their organization. I wrote to them back in XXXX and explained the situation and didn't hear anything more from them until today. Again, now it is a different account number with their organization, trying to collect on the debt I finished paying on in XXXX. 

My original Credit Control account number was XXXX, the second collection letter said it was XXXX and now the third one is their  account number 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 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Trust Checking account on XX/XX/XXXX, No checks were required for the account, Blank Checks were issued by the Bank anyway that were not ordered. XX/XX/XXXX The Bank mailed the Blank checks to an incorrect address. 
The Blank checks were intercepted by someone and wrote fraudulent checks against the account draining the account. Total {$14000.00} ( XX/XX/XXXX to date ) No statements, alerts, calls or notices were sent to advise me of the fraud against my account. 
I did not issue an online account until i was ready to use the funds I called customer service as to assist me to login to the account as i could not log in. When logged into the account XXXX/XXXX/XXXX, I saw that the account was in the negative. 
All the monies had been drained from the account and I was being charged fees for having a low balance and return checks fees. 
I immediately as for a claim on the phone with the claims dept and filed a police report, On XX/XX/XXXX I called the bank as i had not received the fraud packet and they informed me that my claim was denied. I submitted a dispute telling them that they send checks i had not ordered to the wrong address. Then i immediately received a second denial. 
I just want them to honor the fraud as i did not order the checks to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Last month I noticed several accounts on my TransUnion profile that should not be on there. It has been over 30 days since they received my dispute letter. I have attached a copy of the tracking number ( mailed certified via USPS ) thats directly from the USPS website as proof that TransUnion received the dispute letter and when they received it. I also attached a copy of the dispute letter that I mailed. I am demanding that ALL of the unverified accounts be removed IMMEDIATELY. It has been over a month, I have not received a response from TransUnion, and they have not verified the 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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
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 ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -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 2020-08-03 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-03 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 {$0.00}, {$0.00}, {$1200.00}. 
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 ACCOUNT 1. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -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 2020-08-03 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 {$0.00}, {$0.00}, {$1200.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Tried linking bank accounts to transfer among them. Three banks are involved : XXXX XXXX XXXX PNC  They refuse to cooperate with each other to facilitate the linking of accounts to enable me to transfer funds among them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
So me and my father have a loan on our house with Freedom Mortgage. my father filed bankruptcy in XXXX and it was put in bankruptcy to retain the property. so I filed bankruptcy in XXXX and retained the property. ever since then freedom mortgage was not applying our payments to our house loan They were saying that we were behind on payments since XX/XX/XXXX I had called them numerous times to figure what was going on with our account since it was stated from them we were delinquent on our mortgage and that we were sending partial payments. we were not we were sending the payments that we were supposed to pay according to our statements. they have always added late fees and broke up our payments when I have checked our account on website. every time it was stated different amounts that we owe. which I had spoke to a supervisor after trying to talk with a customer representative that each one never knew what was going on with my account everybody had a different story. the supervisor had told me to send all proof that payments were made and she would look into it, there response was we are investigating it and that was last year.we have never been able to clear this problem up and it is still continuing to state we are delinquent and we are not. I am so stressed out from them not fixing there problem with my account and throwing the blame my way they say they have been trying to contact me and they have not they are lying they have all phone numbers and my email. so as of yesterday I receive a letter from them that this account is still behind and it was stuck in my door with not return address and hand written. they have not tried to fix this problem in any shape or form. I need some assistance with them I think they are trying to get more money and trying to foreclose when I don't think I'm in the wrong there not treating me fair.

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