vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 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: AFNI INC.
State: AR

Complaint narrative:
Over the past few months I have been in constant contact with the all three of the major consumer reporting agencies regarding fraudulent established accounts currently reporting on my credit reports. After realizing I had became of victim of identity theft I completed a police and identity theft report and sent copies to each credit bureau. For some reason an account currently owned by a company named AFNI continues to violate my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practice Act by reporting this fraud related account to my XXXX and XXXX credit report after being notified directly from the bureaus. In addition I never received any initial 5 day communication notice from this AFNI Company as per the FDCPA requires. I find this erroneous credit reporting unacceptable and AFNI is  deliberately continues to violate the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CA

Complaint narrative:
i have file disputed letters on XX/XX/2020 to all three credit bureau and still have not received a reply from 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 2020-08-24 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: CA

Complaint narrative:
i have file disputed letters on XX/XX/2020 to all three credit bureau and still have not received a reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I have more then one law firm contacting me for the same credit card, i have ended by paying two law firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being XXXX XXXX ( XXXX ) The third law firm Kohn Law has taken me to court three times first court day of XX/XX/XXXX. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXX # XXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Kohn Law XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have three wire came in on XX/XX/XXXX and XXXX, they charged me for {$15.00} each wire transaction without letting me know ahead, that's fine. Then they have blocked my own funds for over a week now without any reasonable explanation and notice, I have called on XX/XX/XXXX, XXXX and XXXX for over 5 times everyday, tried to solve the problem. HOWEVER, they just keep telling me to wait for the sender 's banks responses! I have known the sender for many years, he has contacted his bank almost everyday last week to provide responses to Bank of America. But they still put hold on my own money! I think this is totally doesn't make sense and unfair! They don't have any right to put hold on my own money for over a week, their service and representatives are not helpful 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 2020-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been a XXXX XXXX for 16 years. I made my payments on time with a goal of having loan forgiveness due to being in a public service position. During all of my years with Sallie Mae & Navient, they told me about having to make all payments on time, however, I was never informed that I had to have my students loans moved into a PSLF loan until about a year ago. So now, I would have to apply for PSLF and pay off another 10 years. Ill already have them paid off on my own by then. So frustrated and so disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Nelnet, Inc.
State: AZ

Complaint narrative:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which Great Lakes has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is once again NOT following the Acts put in place in order to protect consumers and businesses during the pandemic. American Express CONTINUES to SHUT DOWN my accounts - we can not use our cards EVEN THOUGH WE ARE UNDER ALL OF OUR CREDIT LIMITS! Then they say they obtained some credit report that states I'm looking for credit WHICH IS NOT TRUE - another financial institution tried to pull my credit ( which is currently LOCKED ) WITHOUT MY PERMISSION and American Express is PUNISHING us for that! We are a small business trying to survive through this pandemic. It's UNACCEPTABLE! I call American Express almost daily now because they continue to SHUT DOWN MY CREDIT USAGE and we are unable to make even small purchases on our business accounts! They continue to deceive us, lie to us, waste our time, etc. They have NO INTEGRITY! WHEN will they be held accountable? WHEN will their CEO XXXX XXXX be HELD ACCOUNTABLE for the damage enabling his company to do to small businesses and consumers during a pandemic?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc.
State: MI

Complaint narrative:
Gatestone and Co acting on behalf of XXXX XXXX has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where XXXX stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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:
You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. TransUnion shows XX/XX/2015, XXXX shows XX/XX/2015 and XXXX shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.

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 2020-08-24 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:
You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. XXXX shows XX/XX/2015, XXXX shows XX/XX/2015 and Experian shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I wanted to get this inquiry remove off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 someone hacked into my Chase Bank account, transferred {$1200.00} from my savings into my checking account then via XXXX electronically transferred two payments of {$630.00} and {$830.00} to a person purportedly named " XXXX XXXX ''. I typically check my accounts daily and did so on that day at about XXXX XXXX. I noticed these transactions and immediately changed my passwords and next contacted Chase. The only thing they could do at this point was lock my accounts and I was told to call back the next day. It seems at this point they could have reversed the transactions but by morning the next day it was too late. I proceeded to close this account and open another. They did on the XXXX reverse the transactions and proceed forwarded with an investigation. ON the XXXX I received a message from them that stated these transactions were " processed correctly or were authorized '' and as a result, they will be removing this {$1400.00}. from my account on or later than XX/XX/XXXX and have closed the claim. I on the XXXX called and was it was confirmed by an agent and her supervisor that this is what they would be doing and there is nothing I can do about it. I did not do any of this but they have deemed NO fraud was committed. They have on their record which bank this was paid to but say they can research nor investigate further since their determination is that no fraud was committed. They do have the phone that this money was transferred to but I have called several times and gotten through to voice mail only. I do not know what to do next in recovering my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 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: NY

Complaint narrative:
I notified Transunion that I am a victim of identity theft and the responded that they verified a fraudulent account to belong to me. I would like to know how and when transuion was able to verify a account that someone fraudulently put in my name by using my personal information

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On or around XXXX XXXX my phone wallet and Passport were accidentally sent to XXXX on a plane. I was flying from XXXX to XXXX XXXX but somehow my bag was sent to XXXX apparently. My phone was brand new and had not yet been fully setup with Face ID etc. Apparently my phone was hacked into and all my passwords etc were stored on it. My phone and cards were used fraudulently. Which I reported by XX/XX/2020 once I received my new phone. I originally contacted BOA on XX/XX/2020 but becase charges were pending they told me to call back when they posted to start a dispute. Which I did. However whoever I spoke with didnt dispute all the fraud charges they only disputed two of them which caused my dispute to be cancelled because they thought I had made the other purchases which I had not. So I called again to reopen the dispute and was told that was happening however the dispute was never reopened and the charges are being blamed on me despite the fact that I was in the USA. My other credit card companies credit me already and sent new cards. Only Bank of America has tried to find me responsible for these charges which is ridiculous being that Im not even allowed to leave the USA due to Covid 19 so how could I be making charges in another country. They also claimed that because someone had logged into my online banking it must be me. However as I tried to explain to them my phone was stolen and apparently hacked according to XXXX and I did not make any mobile or other transactions. BOA claims I made these charges in the USA which is absolutely absurd because theyre all made in XXXX. About {$3000.00} was stolen from my account. I want it 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 monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX acting on behalf of American Express has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where Amex stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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:
on XX/XX/2020 i was denied a auto loan due to a negative account that was appearing on my credit report from a company called XXXX XXXX XXXX XXXX account number XXXX i don't know who opened this account under my name.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Good Afternoon, I went to make a purchase with one of my credit cards that was issued by Synchrony bank and it was denied. I called the number on the back of my card and a customer service rep stated that my account was CLOSED. I asked why and they stated that I will receive a letter with 5-7 business days. So got me thinking about my other cards that I have through them and started calling and All of them stated that my account was CLOSED. I have been a customer of theirs for 4 plus years with no issues. I did carry several credit cards with them, most with XXXX balance, always paid on time, never went over or even close to my credit limit, always paid way more then minimum due. My credit was not great when first started with them due to job loss but I was determined to improve my credit rating. Most of the cards started out with little available credit and as I got established with them, they kept increasing my credit limits as well as giving me more credit cards. I have been an exceptional customer since I started using them and now within a day all my hard work gone!! At one point one of the reps told me to contact Transunion because that was the nail in the coffin due to my credit rating going down. Yes, I have been using more credit due to the pandemic but again nothing crazy and it was not even close to what I had available to me and again always pay my bills. I just think is fair that they can treat people this way. They could of decreased my credit limits first as a warning but instead they kept increasing credit limit the BAM accounts closed.

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