vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I recently refinanced my residential mortgage with LoanDepot. The loan number is XXXX. The closing took place on XX/XX/2020 ( in person and socially distanced ). I was provided a hard copy of the closing documents. In the closing documents signed on XX/XX/XXXX, the loan amount was {$580000.00}. A closing balance from me, as the borrower, of {$1600.00} was required. Hence, I wired the {$1600.00} as instructed. So far so good. However, replacement closing documents were unexpectedly provided to me on XX/XX/XXXX. In those documents, the loan amount was increased to {$580000.00}. I was surprised by this, but, nevertheless, the terms were acceptable to me because a balance would be owed to me ( and, of course, my out of pocket costs would be refunded ). I signed the documents electronically. According to these replacement closing documents, I would no longer owe {$1600.00} out of pocket at closing. Instead, they showed that {$560.00} would actually be owed to me. Of course, since I already had paid the {$1600.00}, that amount would need to be refunded to me. In addition, {$560.00} would be paid to me. This totals {$2200.00}. I took screen shots of the documents that were provided to me on XXXX and signed electronically by me on that day. 
On XX/XX/XXXX, I wrote to LoanDepot to obtain their plans to pay me. I have since then made repeated requests and they have only said that they would look into this. I am now disturbed by their continual lack of attention to this matter or even to confirm that they owe me money. If this were difficult to figure out, I could understand their lack of a substantive response. However, not only is it straight forward, but all of the relevant information is in their possession. This should be routine for them.

Company public response: Company believes complaint is the result of an isolated error
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: 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 {$6100.00}, {$4000.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -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 {$6100.00}, {$4000.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
Sequium Asset solutions claim I owe them {$350.00}. I dont owe them and never did business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I just started an account with XXXX, an app-based brokerage firm. When I attempted to add money to my XXXX  account using my bank, PNC, I was informed by XXXX that 'PNC has made changes that prevent account linkage '. From there, I was prompted by the XXXX support team to file a complaint with the CFPB. PNC is effectively preventing me from engaging in trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
OAC claims I owe them {$140.00} Ive never did you have a picture or an idea of what you wanted bu With them and dont know who they are

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: MO

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: MO

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: EQUIFAX, INC.
State: MO

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 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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, without prior warning or advice, CitiBank arbitrarily lowered my credit limit on my Diamond Preferred credit card ending in XXXX by {$700.00}. I was informed of this punitive action via e-mail the next day. This unwarranted credit limit reduction by CitiBank increased my balance from 89 % of my credit limit on this this card to 95 %, which left me with only {$400.00} available credit and clearly exacerbated the high credit-to-debt ratio that CitiBank claimed to be its main reason for the credit limit reduction. It has also made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future. 

I also use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I had been advised of my credit limit reduction. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month. I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

CitiBank alleges that I am a valued customer, yet I am not sufficiently valued to be advised by CitiBank that it might have an issue with my use of credit. When I contacted CitiBank to protest, the representative with whom I spoke said it was a business decision that is final, and my record with CitiBank is irrelevant if my overall credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if CitiBank refuses to share its concerns with me in time to take some sort of remedial action to pre-empt any such severely punitive action. Had CitiBank provided me with a guide that advises me exactly what it considers well-managed and instructions on how to correlate that with my credit report, I would have been able to avoid running afoul of the CitiBank credit monitoring. 

This unwarranted, capricious, and punitive, action by CitiBank has set off a cascade effect with my other credit card companies, acting as essentially a red flag on my credit report. As a direct result of this action and its resultant increase of my debt-to-credit ratio, XXXX XXXX XXXX reduced my limit on my XXXX XXXX Visa card by {$4500.00} two days later! Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score, which has been lowered by these two actions to the point that I could not lease an apartment today if I needed to do so. 

This action by CitiBank was completely unwarranted and punitiveand highly unethical.

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: STATE FARM BANK, FSB
State: MN

Complaint narrative:
I closed my State Farm credit card account and they charged me the interest of {$42.00} after I made a payment for the full balance of the account. I called them about this fee and they said they would reverse it with 7-10 business days and it has been a couple of months and they charged me additional fees which now totals {$220.00}. They also reported my past due to the credit reporting agencies. This is absolutely unacceptable. When I call customer service, they stated would take of care it and it's still not corrected.

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: 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: NC

Complaint narrative:
this is my second request, and the answer to experians and XXXX   request is, I XXXX XXXX did send this and the prior report. I m a victim of identity theft, please review the information that i sent you before an now

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, without prior warning or any direct subsequent notice, JP Morgan Chase arbitrarily lowered my credit limit on my Chase Amazon Visa credit card ending in XXXX by {$4500.00}! I only discovered that instead of a credit limit of {$11000.00}, my credit limit had been lowered to {$7000.00} when I accessed my account online to make a payment. This unwarranted credit limit reduction by Chase increased my balance from 57 % of my credit limit on this card to 95 % which left me with only {$400.00} available creditgreatly exacerbating the high credit-to-debt ratio that Chase claimed to be its main reason for the credit limit reduction! 

Furthermore, I not only use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I discovered my credit limit reduction, it necessitated cancellation of recording studio time I had booked in the Spring to complete a project that I had to postpone due to the CPVID-19 Pandemic. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month ; I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

Chase alleges that I am a valued customer, yet I am not sufficiently valued to be advised by Chase that it might have an issue with my use of credit. When I called Chase to protest, the representative with whom I spoke said my record with Chase is irrelevant if my credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if Chase refuses to share its concerns with me in time to take some sort of remedial action to pre-empt a severely punitive action such as this one. Had Chase provided me with a guide that advises me exactly what it considers well-managed and instructions as to how to correlate that with my credit report, I would have been able to avoid running afoul of the Chase credit monitoring. 

As it stands, this unwarranted action by Chase has made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future and has also lowered my FICO score to the point that I could not lease an apartment today if I needed to do so. Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score. 

This action by Chase was completely unwarranted and punitiveand high unethical.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
this is my second request, and the answer to XXXX and transunions request is, I XXXX XXXX did send this and the prior report. I m a victim of identity theft, please review the information that i sent you before an now

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 repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
Lexington Law has been fraudulently sending out disputes to my lenders without my consent. I am not enrolled with them. I cancelled within 3 days and they not only tried billing me a month later, i have come to find out they have been disputing items on my credit report without my authorization. This is not right. I am submitting a copy of the letter i received from a lender of mine from the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, the Supervisor agreed to remove all late fees ( since my account was on deferment ) with XXXX XXXX XXXXXXXX XXXX XXXX, bringing my balance to {$280.00}. We had made an agreement that after I paid off the balance, it would be removed from my credit report. I paid off the debt bringing the balance to {$0.00} and the supervisor emailed me a letter of proof that the account was paid off and it would be removed from credit as stated. I noticed on my credit report that they reported a late payment on XX/XX/2020, after my balance was paid off days before. I need this New report and prior report ( on XX/XX/2020 ) removed from credit as soon as possible, as its hindering me from purchasing a home.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed the XXXXXXXX XXXX 30 day late payment over 60 days ago and have not received proper dispute results from XXXX or XXXX XXXX, Equifax sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.

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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am sick ad tired of Capital One and XXXX XXXX XXXX attacking me on a fraudulent account that doesn't belong to me. Why are these companies are able to get away with strongarm robbery? They will not do a debt validation and justify a senseless criminally collection practice. It is illegal and unjust. They are very aware that I am attempting to get a V. A. mortgage and using thuggish tactics against me. Forget about I am a Veteran and a XXXX XXXX XXXX XXXX  since they are trying to collect a DEBT doesn't belong to me. I will NEVER pay a debt that doesn't belong to me. I am asking CFPB to file a suit against both companies.

Company response to consumer: Closed with explanation