vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
I started talking to this lady who said she was a Service Member in the XXXX and she got me thinking that she could make some money with my account, and I transferred her {$3400.00} dollars and then I gave her access cause she said she was going to deposit some money but the check that she deposit were wrong or something but she basically stole my money and I called the bank to cancel the transactions but they didnt help at all

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 2022-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.

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 2022-01-29 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:
There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: NV

Complaint narrative:
On XX/XX/XXXX, I received an alert that my Chase card ending XXXX that someone was trying to charge {$1100.00} from a company called XXXX. I called immediately and report the fraud and closed the account. The amount stayed pending and I called because I was getting emails to confirm the purchase. I was told to ignore the emails and delete them because it could be virus or hacker. On XX/XX/XXXX Chase posted the amount. 

I have been calling at least once a week regarding this. The customer service representative are polite, but I keep getting letter saying that the amount of {$1100.00} is my responsibility because services were rendered. I can not get a hold of XXXX and the last representative I spoke to on XX/XX/XXXX, could not reach the company either. 

I have done my due diligence in protecting my card and reporting the fraud. They said the company had my email, XXXX and information. I told them that on had received alerts that my email was compromised. My husband on XX/XX/XXXX had someone try to charge travel on his XXXX card, he called and that situation was handle. 

My question is why would I use a company I have never heard of to purchase airline tickets on XXXX? I would use the companies website. I never boarded a XXXX flight to XXXX and never confirmed the tickets. I just know I am responsible for a purchase I did not make and they are now asking me to provide evidence. I don't know what evidence I can provide and I need help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I received an alert from XXXX XXXX, stating that a credit card from indigo-XXXX  was opened in my name and has a charge of XXXX I have never applied for a card with this company nor do I own one. 

Please send any correspondence about this complaint to my mailing address. my address is XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
To AMERICAN EXPRESS : Credit Decline Application # XXXX OFFER REJECTED NOTICE ATTN : AMERICAN EXPRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of making a request for something. A written request to have a certain quantity of land at or near a certain specified place. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented. 


Means For purposes of this part, an application for a loan or other service is as defined in Regulation C, 12 CFR 203.2. in CFR This correspondence is in regard to the application denial of credit on XX/XX/2021. The adverse action offer is hereby rejected, credit application is a financial asset according to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 CFR 240.10b-1, 15 U.S. Code 78ff, 15 U.S. Code 1691 ( a ) ( 3 ), 18 U.S. Code 241, 18 U.S. Code 242 Reconsideration : Open end consumer credit card pursuant to 15 U.S.C.1602 ( m ) with maximum allowable by the applicable law, 15 U.S.C 1602 ( j ). Balance will be zeroed out on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Once it is available.

Final offer is non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under Regulation Z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 


You meaning AMERICAN EXPRESS and any of its agents, affiliates, subsidiaries, assignes, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 


Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I recently received a copy of my XXXX consumer report and I noticed a third party collection agency listed on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
i haver a medical bill from 2020. My daughter went for a doctor appointment. I told them i had XXXX and they submitted the bill to her Mother 's insurance then contacted me a year later to tell me i had an outstanding balance. I told them they were supposed to submit it to XXXX then they told me it was too late to file with XXXX now. I told them their ignorance shouldn't be my problem so here we are. My problem is the lack of training and incompetence at the call centers ... if they file it wrong it becomes someone else 's financial problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 made contact with this bureau and requested a fraud alert on my report also I requested to dispute unauthorized fraudulent accounts and inquiries there was another social security number also being reported under my name. I contacted Experian and instead of removing the fraudulent accounts they merged them under my social security number they stated they would properly investigate instead they are pinning these accounts on 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 non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I received one mysterious email from IC system to click on a link regarding a debt. The link didn't work and I assumed it was spam or a scam. They sent another. Same thing. The below information is all I have so number. Nothing in the mail, nothing tangible and no calls. This company is either a scam or if legit not handling things properly. It says a XXXX account yet I have not had XXXX since switching services last XXXX of 2021 and my bill was paid in full and I have an email from the escalation team bringing my balance to XXXX. Even when I called them the number always states nobody is available. 

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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, XXXX, XXXX XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im requesting legal action to remove this account 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 2022-01-29 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Date XX/XX/22 amount XXXX. Card not present purchase Fraud in store. Called and was told I had to go to store to prove who I was or I had to pay the charge. The company will do nothing until I go physically into a store ( during Covid ). Very rude and indicated thats there rule. I asked what if I did not live near a Nordstrom 's they indicated their decision on how to resolve. As of today they consider it my charge unless I prove, in person, who I am. In addition I must speak with a store XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was managing partner of a medical practice that closed XXXX XXXX. We had a contract for a copier signed in XXXX of XXXX. My secretary notified US BANK of our practice closure date by phone. The copier was disconnected and moved to a different room in building after we closed. One of my partners made several calls requesting a final bill and pickup of the copier. We received a default bill in XXXX. Two certified mail letters were sent, one in XXXX, and one in XXXX. I received two letters back claiming they had unsuccessfully tried to contact me. I tried multiple times to contact the person that sent the letters and got voicemail only. I left messages to call my cell phone. I never received a call. I paid everything owed mid XXXX and sent certified letter with check requesting our relationship be finalized. The contract states they need 90 days written notice, or I can return copier, or I can purchase it. Have no idea how to " return a copier '' the size of the one we had and can't get a call returned to find out how. My retired partner recently sent me a XX/XX/XXXX bill he received for over {$1100.00} in charges for use of copier, late fees, and damage fees. 
I really do not believe anyone at US BANK was or is interested is resolving this issue. 
I am out of ideas. This all seems very unethical to me. I would appreciate any assistance you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
During the National Disaster of the Coronavirus outbreak, I suffered great financial hardship. I immediately contacted Chase and they assured me I would be put on a deferment program. 
When it was time to begin my payments, i was informed that it was a forbearance, my underwriter ( USDA ) changed their minds and i was to come up with {$17000.00}. 
I have tried applying for funding through XXXX for the coronavirus grants for help, uet the XXXX of Michigan hasn't released the funding. I have been on a waiting lists for about 5 months now. I have contacted my XXXX XXXX and XXXX with no avail. 
I have been pleading for help, even got scammed by a person pretending to be Chase. 

I have tried everything and the USDA will not help with the deferred payments. 
I was not responsible for the Pandemic. This was a national disaster for which no one saw coming, and the federal government has allotted monies to help the people of the state of Michigan. 

I will lose my home. 
I beg for help I dont feel the banks and underwriters are using the funding available to the people correctly nor trying to help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I made 3 transactions. One transaction for {$7.00}, one for {$7.00} and another for the same price. All 3 transactions were taking out of my account and my balance changed. I woke up the next morning and the transactions were at the top of the list and the chronological order was entirely off leading to those 3 charges as freshly new charges. I was charged with an overdraft fee for the 3 transactions. This has happened previously but I was granted a fee reversal. I ask for the fees to be reversed again but they denied me. I told them they should reverse the transactions due to resequence but they were not understanding. I have done my research and have seen that debit resequence happens often but many account holders don't notice. Resequening is totally unfair to account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
Penn Credit is trying to collect money for an UNSOLICITED cookbook. I had the same problem a year previous and reluctantly paid because I was sick and didnt realize consumers are not responsible for unsolicited merchandise. I canceled my magazine and told the company both written and at the XXXX number to cancel everything and never send me anything else. 
I called both the magazine office and Penn Credit. They both know the product was not solicited. They both known consumers are not responsible for unsolicited merchandise but play this fraudulent game year after year.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Account showing missed payments on student loan. Account was never paid late.

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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently received a copy of my XXXX consumer report and I noticed a third party collection agency on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TN

Complaint narrative:
XX/XX/XXXX Re : XXXX XXXX XXXX ;XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story.

You have been reporting inaccurate information under FALSE PRETENSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Once again and after multiple attemptscI find this agency incapable of maintaining accurate adctibely information. After applying for a loan the bank received a credit file alert requiring they contact me. In effect they were locked out without my prior approval. Interestingly my account gets hits DAILY by unauthorized banks, lenders, and others without any so called protection or lockout which drives my credit score and everyone 's down. Shamefully and documented, this alert, which I never authorized, was removed and reported months ago, multiple times through the CFPB AND direct contact HERE WE ARE AGAIN months later. It is a confirmation of the CFPB INEPTNESS AND THE CREDIT AGENCIES AND SYSTEM. FRANKLY, AND BY EXPERIENCE AND VIA HUNDREDS OF UNRESOLVED COMPLAINTS. MY ONLY BELIEF is this entire system a giant scam perpetrated on the American people to keep them subjugated financially. TO BOOT I EXPECT mind you a letter advising me they have no notice, to remove what I never placed and until they get such it will remain on. Pathetic is too kind axword to describe 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 2022-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, the insurance agent contacted PNC to obtain a payoff since the car was totaled. On XX/XX/XXXX the check was issued. I have contacted the PNC bank on XX/XX/XXXX and XX/XX/XXXX to see why the funds have not posed to the account. On the XX/XX/XXXX the representative stated it will be applied with with in 10 business days. I called on XX/XX/XXXX first time the agent tried to collect even though I had previously told PNC agent I am filling bankruptcy. The supervisor called back and could not provide any on formation on why the insurance check was not applied to the loan.

Company response to consumer: Closed with monetary relief