vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
I recieved a credit alert that a new collection account was added to my consumer report. This is a fradulant account that needs to be removed immediatly. I have never consented to any reporting plus i have never recieved notice of a debt prior to reporting. I dont know the compa y reporting or the " original creditor ''. I would like a XXXX XXXX. I need more information about how this company aquired this fraudulent account, how much they paid for the debt, and the full accounting in accordance to GAAP. This company is also infrinding on my copyright. This will serve as notice given. Continued use of my property will be consided knowingly and willfully. I will not tolerate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/23 I sent a conditional acceptance to DISCOVER asking for proof and verification of the alleged credit card debt. In this document DISCOVER tacitly agreed that any negative credit remarks would be removed from credit bureaus. 
DISCOVER failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debt, and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23. 

Furthermore, a notice of default with opportunity to cure was sent on XX/XX/23 and delivered XX/XX/23, giving DISCOVER one last chance of three days to prove any debt or valid contract, which they never responded to, tacitly agreeing that the account is paid in full or otherwise settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I took our a check n go loan for XXXX almost 8 years ago and forgot to repay .it has fell off my credit report but now a company calling them self XXXX XXXX is threatening to sue and arrest me if I don't pay the amount of XXXX but said I can pay XXXX to clear the debt and when I started acting for more details and to get of list of how it went from XXXX to XXXX they got very rude and threatening to sue me and garnish my wages and possibly jail time. I am on a fixed income and XXXX so I don't have time or money to be scam out of and threaten for money I dont have. All my money goes to bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX couldn't recieve my regular weekly payment via zelle from my employer XX/XX/XXXX couldn't recieve regular weekly payment via zelle from a second employer. 
XX/XX/XXXX I tried logging in and my credentials wouldn't work so I called pnc customer service. I spoke to XXXX different people and was told my zelle was closed and no longer available and my online banking was closed. I asked if I could access my money and was told my account is on a security hold due to an inbound zelle transaction. I was not able to get any other information.histor using zelle fir XXXX is XXXX follows : I received a payment in the amount of {$3500.00} from a client after we finished a flooring job on XX/XX/XXXX. The payment cleared after 48 hours. I recieved a {$500.00} payment from the same client on XX/XX/XXXX the payment cleared immediately. My regular weekly jobs payments came in XX/XX/XXXX for {$84.00}, XX/XX/XXXX {$70.00}, XX/XX/XXXX {$77.00}. Prior to having the client sending me payments via zelle for {$500.00} then {$3500.00} the XXXX was being paid directly by the client via XXXX. XXXX held his money for 7 days which was unacceptable and slowed down production so the client, the XXXX and I agreed we would use my account to recieve payments for the job since the client and I both used XXXX. How is it zelle was able to freeze my entire bank account and access to my money, paying and recieving for any of these transactions that were all authorized, text messages and correspondence and regular activity to prove the transactions were authorized. I was told I can't even reach anyone to help me with the matter until Monday. I am unable to even get gas to make it to any of my jobs because of this, or get groceries for that matter. I have attached web receipts showing my first payment from the remodel job after XXXX held the money for 7 days in the amount of {$800.00}. Then receipts showing me paying the contractor after we agreed to start using my account to get paid using zelle .in the amounts of {$600.00} {$500.00}, {$800.00} went to our drywall employee out of the {$3500.00}. The client owed {$4200.00}. She claimed she could only send {$3500.00} at a time then refused to pay the balance for what was completed. We are taking her to court to get the balance she owes. I don't know if any of this has to do with my account being frozen but that is the history of XXXX with my XXXX transactions.XXXX  states in their terms that if you send money make sure you trust the person.. if something goes south you probably won't get your money back. It is secure and can't be reversed and doesn't even clear immediately if large amount. My last deposit was 10 days ago. How is it all of a sudden an inbound XXXX  transaction is holding me from accessing my pnc account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an account with Chase early this year. Last month I was applied to get a loan for school, one of the companies that called me needed to verify that I had an existing checking account and I provided them with my information for verification purposes. The company issued the loan Via check into my account and the check was fraudulent. I contacted Chase right away and was told to go to a branch so they could close that account and reopen me a new account. I went to a branch and informed them of what happened, they closed that account and a new account was opened and new debit card ordered. 2 days after opening the new account Chase closed the new account. When I called customer support I was told that It was a risk with me banking with them and I could not bank with them anymore. I had already discussed with them more than once that I was a victim of fraud and had they looked at my account activity they would see that I never had any issues with my account until I had applied for a school loan. The bank teller educated me on how to prevent fraud from happening on my account and Chase still closed my new account and restricted me from ever opening an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on XXXX bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the Experian XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs

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 2023-07-30 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: Chime Financial Inc
State: GA

Complaint narrative:
I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on two different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX XXXX XXXX for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know XXXX open XX/XX/XXXX. The same month XXXX  open and I taken my conviction in XXXX XXXX XXXX.im not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX XXXX trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX XXXX I been having a hard time opening cd accounts brokerage trade account and etcs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the Fair credit Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX # XXXX all these accounts have violated my rights!!!! 

15 U.S.C 1681 section 602 A.States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!

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 2023-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I was going to be put on a temporary furlough with my company stating XX/XX/XXXX - XX/XX/XXXX. When I contacted on the phone my mortgage company, NewRez, in XXXX, they informed me that don't worry about making the XXXX payment after I explained my situation and that I will receive more information from them about Forbearance. 

My next point of contact ended up being XXXX who works for their debt collection part of the company. He informed me that in order to file for forbearance our account has to be behind a payment, so I didn't make any payment in XXXX. He told me I needed to wait until XX/XX/XXXX to request forbearance. 

So I did, as they told me to. They reported our account to be delinquent to the credit bureau resulting in our credit going down XXXX points. They never once mentioned that they would be reporting us delinquent, they sent information that showed that but not until AFTER I did what they told me to do for the forbearance. Not once in my contact with XXXX did he mentioned the reporting of our account being delinquent or that it could affect our credit score if we did not make XXXX 's payment, which they basically told us not to do so they can put in forbearance. 

I was working with them at the end of XXXX, they knew the dates and the only thing I asked was to get help with XXXX. They put in the request XX/XX/XXXX and didn't start our forbearance until XX/XX/XXXX. So the only months we needed help with, they didn't even help and are now going to be reporting our account again for XXXX as we don't have the funds to fully pay XXXX 's mortgage. 

" XXXX. Non-delinquent borrowers were denied forbearance Under the CARES Act, forbearance has been open to borrowers who are current on their mortgages, but some applicants were told that only delinquent borrowers were eligible for it. As a result, some borrowers were instructed to only apply for forbearance after missing a mortgage payment. That was truly bad advice, because even a single delinquent payment could result in significant credit score damage. '' This is exactly what they had us do. 

So we are now about to get hit with a SECOND delinquency to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am in the process of purchasing an automobile for my business and was concerned on why I am getting denied due to my excellent payment history. I decided to check my credit on www.experian.com. 

Upon checking my credit report today XX/XX/XXXX I noticed a collection account from XXXX which states it was opened on XX/XX/XXXX and is a XXXX account. which is {$3.00}, XXXX past due as of XX/XX/XXXX. I attempted to contact the company on their website https : //rentrecoverysolutions.com/ to dispute the inaccurate information to no avail. There was not a dispute label or contact method available to dispute immediately. 

This account does not belong to me. The original debtor is XXXX at Champions per my XXXX credit report. I also noticed additional name spellings and also addresses and phone numbers that are NOT mine. 

I have never resided, nor heard of such community. I've resided at my residence since XXXX which is a house and do not have need for an apartment. 

Below you will find an energy bill from XXXX which has my current home address, a copy of my lease agreement and a copy of the negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Called today at XXXX XXXX to find out the status of my dispute concerning XXXX. I spoke to XXXX in the XXXX XXXX Credit Card Dispute department. I asked her why I wasn't given full credit when I initially made my claim ( on XX/XX/2023 ). Her answer was nonsensical. 

I asked to speak to a manager. She said she had XXXX on the line. Then I did not hear anything and repeatedly said " XXXX? '' and " XXXX? '' Then I hung up.

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
CHEXSYSTEMS is reporting innacurate information on my consumer report. I asked for documentation from CHEXSYSTEMS verifying the allegations from the institutions on my consumer report. CHEXSYSTEMS have failed to correct the problem and did not provide valid documentation to verify these negative remarks on my 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
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc
State: CA

Complaint narrative:
Bright money has charged me XXXX dollars on XX/XX/XXXX. It was not authorized, I never used their service or authorized XXXX dollars. I have called support and they did not help and said they did not receive my money yet as it is in transit. I have emailed support and they sent me a blank email. I have tried chat support and am told to send an email. Which I already have. I just need my money back asap. My {$99.00} dollars

Company response to consumer: Closed with explanation