vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: MD

Complaint narrative:
I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, XXXX XXXX ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " National  Enterprise Systems ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my XXXX XXXX. 
Tehn, I received another letter from the same debt collector, National Enterprise Sysems, XXXX XXXX XXXX, XXXX XXXX, XXXX. OH XXXX. PhoneXXXX   XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and 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 2020-10-18 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 {$5600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2020, I tried to withdraw funds from my checking account with my Wells Fargo atm card, from a Wells Fargo branch ATM in XXXX, MD ( near XXXX  ). When I called customer service for resolution, I was told my card was canceled because a new card would be mailed this coming week. My current card expires XX/XX/2020 -- there is no expiration DAY. After pushing back for a resolution that would yield cash in hand that same day, I was offered a cardless withdrawal through the Wells Fargo phone app -- which I already had on my phone. However, this option is only available when there is an active card linked to the account. I was unable to make a withdrawal and was conveniently disconnected while waiting to speak with a manager. This is very frustrating for me since my card was unilaterally canceled without notification to me. During a pandemic, everyone should have access to their funds. This process is clearly  broken and creating problems where there does not/should not be any.

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 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has not held a proper investigation into several fraudulent accounts listed on my report # XXXX. They are in violation of the FCRA. I have disputed these accounts to no avail.

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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
On my credit report there is a collection agency attempting to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX  and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -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 2020-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 My EDD account was accessed through a atm fraudulently through an ATM and {$800.00} was withdrawn. 

XX/XX/2020 My EDD account was Fraudulently accessed again through another atm and {$800.00} withdraw again.

Total amount of fraud on my account is {$1600.00}. Bank of American was contacted several times. After hours of waiting on hold and being disconnected, I received a letter in the mail from B of A stating my case had been closed and I would not be receiving a refund. 

Both transactions were made at XXXX XXXX atms hours away from my house in cities I do not visit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian did not investigate an account on my credit profile for XXXX XXXX XXXX and Dept OF EDUCATION/XXXXthis is not my accountand I have never had an account with 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 2020-10-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EXPERIAN REFUSES TO INVESTIGATE THE DEPT OF EDUCATION/XXXX   ACCOUNT BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I HAVE SUBMIT COPIES OF MY DRIVER LICENSE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE DARK/BLACK WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

Additionally, EXPERIAN reported that " The Company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of our processing of your dispute but when I request proof of the verification/certification  method, EXPERIAN conveniently fails to comply. 

Per FCRA regulations, please delete these accounts immediately!

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 2020-10-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2020 I ordered an Ergonomic Office Chair on XXXX XXXX Order # XXXX ) for {$320.00} and paid with my XXXX XXXX XXXX XXXX which is issued by Synchrony Bank. 
I contacted Synchrony on XX/XX/2020 to dispute this order and cancel it. 
The order was delivered but the wrong item arrived. I contacted XXXX and they provided me with a return authorization number. 
On XX/XX/2020 XXXX  XXXX picked up this chair ( Tracking # XXXX XXXX and delivered it to the retailer on XXXX. This package was signed for by : XXXX. 
I contacted XXXX to see when the credit would post to my card and they said it was credited on XX/XX/2020. 
On XX/XX/2020, XXXX weeks after I initiated a dispute with Synchrony regarding this credit, I was told by XXXX ( Custome service manager ) that I needed to show proof that the item was returned. On XX/XX/2020 I sent Synchrony a 10 page fax showing the return of this item to their fax # XXXX XXXX XXXX XXXX. I included my XXXX XXXX store card number my address and home phone number. 
I was told that this should be resolved in 14 days. I have not received any communication from Synchrony. 
I do not understand why Sychrony bank can not contact XXXX and find out where the money was refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX I submitted a dispute with Experian and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with Experian, XXXX, XXXX  to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.

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 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  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 2020-10-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  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 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: MD

Complaint narrative:
I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, Lending Club ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " XXXX XXXX XXXX ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my Financial Hardship. 
Tehn, I received another letter from the same debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX., XXXX. OH XXXX. XXXX XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- 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. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -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 2020-10-19 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- 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. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
Hello, I am a XXXX citizen who has a permanent resistant green card. I have a social security number and live in the XXXX  with my husband. I do have a checking account and savings account with XXXX and XXXX XXXX however I have tried to apply for a credit card with both banks but the applications get denied. The reason always says : unable to confirm applicants identity. Both I and the banks are confused and unsure why this is happening as I have a social security.

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 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows Balance {$8.00} and a Charge Off Amount of {$8600.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Offs - L in XXXX XXXX ; full XX/XX/XXXXyear ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as L reported on my credit report.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am requesting to add additional information in documents and recordings to my complaint Complaint Number XXXX, which I would like to submit as part of my Case Number XXXX as evidence.

Company response to consumer: Closed with explanation