vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 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: IL

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 2020-09-27 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: IL

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 2020-09-27 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: IL

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 2020-09-27 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: AR

Complaint narrative:
I have sent certified letter to the credit bureau stating unknown accounts on my report and have not heard anything back. It is against the FRCA and if the information is not corrected I will hire an attorney. XXXX account is not an account that I ever had and they sold it to a collection called XXXX XXXX that is on my credit report. Remove these accounts I have sent a copy of my police report, id, and copy of utility bill and still haven't heard anything back.

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 2020-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
- We opened a home equity loan with TCF in XXXX. 
- We have never missed an on time payment. 
- TCF has been taking the monthly payment of {$630.00} automatically out of my account for years. 
- TCF cancelled that automatic monthly payment with the XX/XX/XXXX payment due without my knowledge or consent, causing TCF to default. 
- We've received a recent loan statement with an amount due of {$7400.00} XX/XX/XXXX. 
- There is no basis for this bill. 
- I've repeatedly tried to contact TCF at the phone number provided of XXXX. 
- You are left on hold for more than an hour. I've tried multiple times to get through. 
- This loan has been in place since XXXX, the initial amount approximately {$86000.00}. 
- After 13 years, the outstanding principle is showing {$81000.00}. 
- We've made {$94000.00} of payments on time, never a late payment. 
- This amount doesn't include the additional {$32.00} insurance that we've paid for the 156 months as well. 
- In this 13 years, only approximately {$5000.00} has been applied toward the principle. 
- Now we are seeing on this loan statement that the maturity date of the loan is XX/XX/XXXX. 
- We are seniors. The length of this loan is ludicrous ; 41 years. We wouldn't even be alive that long to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: FL

Complaint narrative:
Transunion is in violation of federal law for continuing to report an inaccurate information on my credit report. Account under the name : XXXX XXXX XXXX XXXX, original : XXXX XXXX XXXX XXXX XXXX. 

I sent TransUnion a dispute letter in XXXX, XXXX and XX/XX/2020.  Transunion has sent me updated information claiming that account has been verified and updated. Without a method of verification as required my law. 

I also sent High mountain funding inc a validation letter in XXXX, XXXX, and XX/XX/2020 as of today I have yet to receive a response. A violation of FCRA rules section 609b and FDCPA section 809b. 

Please see attachment ;

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 2020-09-27 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: AR

Complaint narrative:
I have sent certified letter to the credit bureau stating unknown accounts on my report and have not heard anything back. It is against the FRCA and if the information is not corrected I will hire an attorney. XXXX account is not an account that I ever had and they sold it to a collection called XXXX XXXX that is on my credit report. Remove these accounts I have sent a copy of my police report, id, and copy of utility bill and still haven't heard anything back.

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 2020-09-27 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: AR

Complaint narrative:
I have sent certified letter to the credit bureau stating unknown accounts on my report and have not heard anything back. It is against the FRCA and if the information is not corrected I will hire an attorney. XXXX account is not an account that I ever had and they sold it to a collection called XXXX XXXX that is on my credit report. Remove these accounts I have sent a copy of my police report, id, and copy of utility bill and still haven't heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Im not allowed to access my EDD debit card online disabling me from sending money to my bank account from it

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 2020-09-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
eight different chargess that does not belong to me.

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 2020-09-27 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: High Mountain Funding Inc.
State: FL

Complaint narrative:
XXXX  is in violation of federal law for continuing to report an inaccurate information on my credit report. Account under the name : High mountain funding inc, original : creditor XXXX XXXX XXXX XXXX. 

I sent XXXX a dispute letter in XXXX, XXXX and XXXX of 2020. XXXX  has sent me updated information claiming that account has been verified and updated. Without a method of verification as required my law. 

I also sent High mountain funding inc a validation letter in XXXX, XXXX, and XXXX of 2020 as of today I have yet to receive a response. A violation of FCRA rules section 609b and FDCPA section 809b. 

Please see attachment ;

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: VA

Complaint narrative:
I responded to a XXXX ad on XX/XX/20 and purchased a XXXX painting via a Citibank credit card from a company called XXXX XXXX. The charge was for {$59.00} and my credit card statement said that the charge was from a company called XXXX XXXX XXXX XXXX ( not XXXX XXXX ). The only confirmation I got that the order was received was an email that said the order would be shipped as soon as possible and to be patient. I can't find said email. Please note that XXXX is also associated with a scam ( see attached ). 

I filed a dispute for the charge with Citi on XX/XX/XXXX as I wasn't sent a confirmation number or any other information concerning the order. I was also skeptical regarding the order being shipped from XXXX XXXX. The phone number for XXXX XXXX ( XXXX ) from their website is not in service, and the company did not respond to emails. 

Citibank required copious amounts of paperwork for a dispute to be filed, which I provided. 

I received a pre-printed ( not a XXXX ) canvas from XXXX on XX/XX/20. It was not what I ordered. The return address on the package I received was : XXXX XXXX XXXX XXXX XXXX, NJ XXXX I looked up this address and found this : CURRENT ALERTS FOR THIS BUSINESS Alert : XXXX has had significant complaint activity involving various businesses that have their orders fulfilled and shipped from this address. Mail sent to this address has been returned to BBB as undeliverable. XXXX has been unable to identify a physical presence in NJ for these businesses and can not process complaints. 

So, I didn't get the correct product that I ordered, the online company I ordered it from ( XXXX XXXX ) can't be contacted, the online company 's address per their website is in a different state ( Michigan ) than where it was shipped ( New Jersey ), the credit card charge was from a different company ( Ladiepops ) than the one I ordered from ( XXXX XXXX ), the shipper in New Jersey has a history of complaints and doesn't physically exist per the XXXX XXXX XXXX  and the credit card company resolved my dispute in favor of the " merchant ''. They suggested that I contact the merchant if I needed further resolution! 

Please advise as to whether or not I can appeal the dispute resolved by my credit card company in favor of the " merchant ''. I have an XXXX credit score and have NEVER disputed a charge on ANY bank or credit account other than this one.

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 2020-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Alorica Inc.
State: AR

Complaint narrative:
ALORICA, INC HAS BEEN REPRESENTING XXXX ON A LEMEON LAW CLAIM AND HAS FAILED VIOLATING THE ARKANSAS DECEPTIVE PRACTICES ACT 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 2020-09-27 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I make my American Express payments via electronic payments from my XXXX checking account and have done so for years. I received a Late Payment charge ( {$29.00} ) this month on XX/XX/XXXX. The payment was due on XX/XX/XXXX. 

XXXX 's records show ( attached proof.pdf ) the payment was XXXX on XX/XX/XXXX and Accepted by Payee ( AMEX ) on XX/XX/XXXX. AMEX did not post the payment to my account until XX/XX/XXXX. 
I contacted AMEX and they reversed the Late fee. 

I repeatedly contacted AMEX about concerns I have for future payments since it appears they have changed their processing schedule. They replied ( attached AMEX Reply.pdf ) by placing the blame on " third-party '' processor, namely XXXX. When I contacted XXXX, they stood by the Accepted date as the date AMEX received payment. XXXX could not ( as expected ) comment on why AMEX chose to not process the payment until after the Due date forcing a Late payment charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had an issue with capital one and their XXXX Partner. I had use Chase before for years to send a Property Manager payments with no problems to the same email same information and now I did with Capital One so when the payment of {$1500.00} was sent for the first time with capital One through XXXX The property manager got an email from XXXX his bank saying that he was going to receive the funds sent by me and I also got a generated email saying my payment was going to his account connected to his email. I use the same email I have always provided turns out he did receive the email that the money was going to his account but the money was deposited into another account in XXXX to a company that has been close for two years and nobody wants to be responsible for it. done that three years with XXXX but with capital one this happens

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-27 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: MI

Complaint narrative:
I submitted a dispute to correct inaccurate information in regards of my name in XX/XX/XXXX. I received no response back from the 3 credit bureaus. I also sent a letter in XX/XX/XXXX in the same regards. I noticed in XX/XX/XXXX that there was inaccurate information in regards of inquires as well as a charge off on my report that was wrong. I sent in letters in regards of my TransUnion, and XXXX on XX/XX/XXXX. I have not received a response in regards to the investigation results. I ask that all inaccurate information be removed. The credit agencies have not responded in the time allowed.

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 2020-09-27 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2020 I attempted to get a copy of my credit report online and I was notified that there was a credit freeze and fraud alert on my report. On XX/XX/2020, I contacted Transunion and attempted to take the credit freeze and fraud alert off my report. The customer service agent advised me that I had to answer questions concerning my credit report in order to verify my identity. The agent asked me questions that I would need to verify on the credit report, which I did not have access to to gain access to my account. I was informed that I had to send in a copy of my bank statement and driver 's license in order to be verified. On XX/XX/2020, I called Transunion back and they informed me that I still had to identify specific things on my credit report in order to gain access. I advised the agent that I did not have access to my credit report so this was not possible. The agent informed me that I had to call exactly when I thought they had received my driver 's license and bank statement to answer more questions. Suffice to say I don't see how this is possible. I'm concerned that Transunion is attempting to force me to pay for their services before being able to get access to my own credit report. I am still unable to get a copy of my free annual credit report and Transunion will not give me access to my credit report even after sending them personal identification information in order to gain access. I have already attempted to access credit on two different occasions and was unsuccessful because Transunion has placed a credit freeze and alert on my credit report.

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