vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted XXXX  and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed

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 2021-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have tried closing my credit card account with Barclays Bank. My account was only accessible via my website, but I was unable to access it. My userid and password did not work and I was locked out. I contacted Barclays customer service by phone. They said they would send me a code to verify my identity and reset my password but the code never arrived by text or email. I contacted them many times to ask for help, but they did not help. I decided to close my account and pay the last balance I was aware of in full. I Paid {$2900.00} on XX/XX/XXXX. I did not receive any confirmation of the payment. I was also not informed that there was a remaining balance of {$13.00}. Interest has continued to accumulate on the balance. As of XX/XX/XXXX it was {$220.00}. I became aware of this when I was notified by XXXX  ( whom I also have a credit card with ) that my credit rating had been reduced and they were decreasing my credit limit. They referred me to XXXX. The XXXX  report showed that there was a balance due on the closed Barclay card that continues to increase. I have contacted Barclay regarding this, but they are unwilling to dismiss the interest charges which continue to accumulate and allow me to pay the {$13.00}.

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 2021-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a credit card with Barclays with a XXXX limit. The account was passed due and was charged off. The account shows on my credit report as closed/charged off status and XXXX balance. 

XXXX XXXX purchased the account and they are reporting the balance as XXXX with an open date XX/XX/2020.

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 2021-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft and I deposited a check without knowledge the check was fraudulent. I applied for a Pell Grant in 2021. I was sent a follow-up email regarding my application. I entered my information on the application follow-up questions on XXXX XXXX XXXXXXXX. Afterwards, I received a check in the postal mail. The letter was mailed to me with a check stating I qualified for the Pell Grant in the amount of {$3300.00}. Since I am a minor, I openend a joint account at Chase Bank with my parents in order for me to deposit the my check. After I opened the bank account, I deposited the {$3300.00} Pell Grant check on XX/XX/2021 and on XX/XX/XXXX, the {$3300.00} check bounced due to insufficient funds. Chase Bank 's fraud department flagged this as a fraudulent activity against me and has now black listed me as a criminal, placed a bad credit report in my name and closed my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CA

Complaint narrative:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
SunTrust opened a checking account in my name in XX/XX/XXXX. Upon looking into my credit report they requested a soft inquiry from XXXX  XX/XX/XXXX. I did not contact SunTrust asking to open an account. I have been receiving monthly statements showing a " XXXX '' balance.

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 2021-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a systemic issue with Kohls occurring in XXXX XXXX, XXXX XXXX, and once again XX/XX/XXXX. I scheduled payments online and or via the kohls app for days well before the payment was due. Kohls scheduled payment system does not always show payments, so it is not always clear if a payment is truly scheduled and just not showing, or if it didn't truly go through. 
In XXXX and XXXX, when my payment did not go through, I did not receive paper notifications that my payment was missed, until it was already posted negative ( 30 days past-due on my credit report ). The only reason I knew the payment was late was due to credit monitoring services for fraud which alerted me my payment was 30 days past-due. Once I was aware, I paid in full immediately, but Kohls refused to acknowledge there was a problem or investigate the data/accounting/payment issue. I normally set up payments on the weekends, typically Saturday night/Sunday morning, which tends to coincide with when banks/financial institutions have a break in their account/payment maintenance processes. 
Furthermore, when Kohls credit called me, they did not leave a message indicating who they were calling from, and they did not provide their name on caller ID. Due to the prevalence of spam calling in DFW, I do not answer unknown phone numbers and check my voice messages as well as text messages for notifications. Even though I am opted in for text messages, phone calls, voice messages, and emails Kohls did not text me to alert that I was late on my payment, so I could pay before it impacted by credit standing. 

Now I scheduled my Kohls payment within the last 2 days for the end of this month, but it was still not showing in my scheduled payments as of this morning. When I called Kohls, their automated system reported there was a scheduled payment, but it would not give me information. I made it clear I wanted this to be reported as a possible systemic consumer wide issue, as some of my friends have experienced this same issue and I believe it is widespread, but not being researched by Kohls. 
I ended up going directly through the website and scheduling a payment for today which finally did show up. 
I am highly concerned this is a long-term systemic issue with Kohls. 
I am going to be reaching out to law firms on Monday to find someone that will take this on as a contingency, as I believe it has serious potential for a class action lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I am a homeowner in XXXX XXXX XXXX Texas. I am XXXX XXXX XXXX, ( " XXXX '' ), an individual and the property owner I have a Home Equity Line of Credit with an institution that lists itself as " BoKF, NA, dba Bank

of Texas ( " BoT '' ).

BoT is wrongfully asserting an interest in insuance proceeds. 

The loan documents convey a right to BoT for what the loan documents designate as " Fire INsurance. '' The Loan Documents were drafted by BoT and BoT insisted on the language controlling the transaction. The documents explicity limit any duty of homeowner ( me! ) to maintain flood insurance if, and only if, the property is in a FEMA designated flood zone. BoT agrees that the property is not located in a FEMA designated flood zone. 

In XXXX the property suffered flood damage. XXXX maintained a FEMA backed Flood Insurance Policy - seperate and apart from a Homeowner 's ( aka, Fire ) policy. On XX/XX/2021 XXXX XXXX XXXX, managing the FEMA flood program executed two checks to XXXX XXXX and BoT. I informed XXXX/FEMA of the presence of a HELOC on the property in an abundance of caution. 

Upon receipt of the checks I telephone BoT for instruction on obtaining their dendorsement so I could begin work on the property. Twice I was instructed to bring the checks, the insurance adjuster 's worksheet and my Driver 's License. Twice I appeared at at a BoT branch and both times, the " bankers '' refused to endorse the checks and instead spoke on the phone to a mysterious person called " XXXX ''. I was told that I needed to provide more documents, but upon my demand that every prerequisite BoT insisted I complete be put in writing, I was told BoT would not do that. 

During a visit to the BoT Branch at XXXX XXXX XXXX XXXX in XXXX Texas, a Ms. XXXX XXXX demanded I endorse the checks ( and refused a BoT endorsement ) and then attempted to have me " deposit '' the checks in a BoT account, with no assurance of repayment or written specifications for BoT to make repaymennt. 

In short, BoT engaged in fraud, bank fraud, attempted theft by larceny and various misrepresentations. On XX/XX/XXXX, Ms. XXXX accepted my written demand/notice ( as required by the loan documents, to allow BoT to cure its default. BoT did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent an international wire transfer that Chase claims was sent, however the receiving bank has not seen payment. After several attempts for information from Chase, I was left on hold for extended period and later told to send an email to online support in resolving my issues. Where is nearly {$490.00} USD of my money and why don't I have answers about the receipt of funds? This is unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana. XX/XX/XXXX. Attorney ( s ) appearing for the Case XXXX XXXX XXXX, Consumer Protection Law Offices, XXXX, IN, Attorney for Appellant. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, 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 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Both companies did not reply to my letter stating that I wanted to see proof that this was my account. XXXX responded with no proof and CMRE Finance did not respond at all but verified debt to XXXX. The attached letter were mailed out certified mail in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Medical Data Systems Inc. started reporting I had owed XXXX XXXX XXXX XXXX XXXX {$2800.00} AND reported the exact same debt as 2 collection accounts. 

I never received a bill from XXXX XXXX XXXX XXXX, or was I aware of a bill owed them. I have sent two certified letters to Medical Data Systems Inc. requesting they verify the debt and both have been ignored.

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 2021-08-22 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: OK

Complaint narrative:
TRANSUNIONS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to TRANSUNION. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I notified Equifax that I had someone attempting to open accounts with my information. The dispute was received but I was told they could do nothing due to my Identification information was not included. I have attached what Equifax has requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: CA

Complaint narrative:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by 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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your 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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been in constant contact with Equifax to remove unauthorized inquiries since XX/XX/ and my last letter is going out certified return receipt on Monday XXXX XXXX XXXX I have sent out twenty-six ( 26 ) letters and everytime I get the same result : " Inquiries are a factual record of a file 's access and will remain on the Equifax credit file for two years since the reported date of the inquiry ''. This is not acceptable and why can other bureaus delete these inquiries but Equifax can't or won't? I am trying to get a refinance loan but I was turned down due to excessive inquiries so I am still trying to remove those that I don't recognize or are unauthorized. Any and all help you provide is greatly apprreciated. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your 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