vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of Identity Theft and Fraud. I have contacted XXXX, XXXX, and Equifax more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : Fair Collections and Outsourcing - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; I can not wait another day for these accounts to be removed !

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and Santander Consumer USA. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$500.00}. The Account Opened is Santander Consumer USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I live in XXXX OR On XX/XX/XXXX a Chase bank employee in North Carolina accessed the joint checking account I have with my husband and wired transferred {$8500.00} out of it without our permission. We filed a complaint the same day this occurred. On XXXX I spent time talking with 4 different people before I was told I was talking to the correct person that could handle the claim and was told the claim would be resolved in 5 business days. 
On XX/XX/XXXX a representative from my local XXXX OR branch called me and had someone from the claims department on the phone. the person in the claims department told me that they never received the complaint. They told me they would mail me a form, I would need to fill it out and then they would resolve the claim within 5 business days once they received the form. We did not receive the form until XX/XX/XXXX. On XX/XX/XXXX my husband and I went into our local branch filled out the affidavit and the banker faxed the form to the complaint department. Later that week I received a call from the chase escalation department that the claims department was waiting for my affidavit. she wanted my local banker to fax her all of the forms. I took all of the forms in but the escalation department waited 2 days to contact my bank and fax the information over to the claims department. 
I have jumped through every hoop that Chase has asked of me and as of today XX/XX/XXXX I still do NOT have my money. I also went through the process of freezing my husbands credit. we still do not know if the banker in North Carolina accessed our account by mistake, if it is identity fraud or if the banker intentionally removed the money from our account. 
the wire transfer went to an established Chase bank account in New York. That is all I know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
XX/XX/2021 I made a {$6500.00} check deposit into my Bank of America Account in the lobby of the bank. I was not told there would be a hold on these funds and I had a {$14000.00} balance in my bank account at the time. I received an email from Bank of America later in the day saying there would be a hold on this deposit until XX/XX/2021. The check I deposited was from my personal XXXX XXXX account and the funds were paid and withdrawn from that account XX/XX/2021. I called Bank of America on XX/XX/2021 to complain about the hold, that I had not been informed of it at the time of the deposit. I was told they could hold the funds for 7 days and to call back in 3 days and in the future use an electronic transfer of funds. Bank of America should be penalized for their actions and I should be compensated for the inconvenience this has caused me. It is now XX/XX/2021 and the funds are still on hold in my account. This is unacceptable!

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 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a bluebird prepaid card that offers mobile check deposit in MINUTES. It's been over an hour and my check has not deposited. I called 8xs and got transferred to ingo where I was " 3 '' in line and no one ever comes to the phone! This is against the law either approve my check deposit or decline it so I can go somewhere else XXXX And XXXX were two of the reps I talked to at bluebird they like the other 6 hung up on me too!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: TN

Complaint narrative:
Complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX both have have the same address of XXXX XXXX XXXX XXXX GA XXXX The companies did not properly file insurance claims causing denial of claims and are now trying to collect the balance owed and sent the bill to collection agency. Letter is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB : XXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021, I paid off my loan in full with Capital One Auto Finance on a XXXX XXXX XXXX. As of XX/XX/2021, after more than 20 phone calls I have yet to receive my title and am continually told 5 to 7 working days to address my issue. I have spoken with customer service, titling department and various resolution experts with no results. I am still awaiting my title 90 days after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. XXXX. I went to the ATM Machine Drive Thru in Bank of America in XXXX XXXX XXXX XXXX, CA XXXX with my EDD debit card on XXXX XXXX to withdraw cash during business hours. I withdrew {$1000.00}, but it didn't dispensed cash. I have the receipt that the cash is already deducted. I reported it to the no. on the ATM machine. I gave the ATM machine no. I went inside the bank too to report, the bank clerk said do not worry they have camera on each ATM machine. When I called they transferred me to 3 different departments which they asked my card no. to file a claim. I suspect one of them use my no. because their the only one I gave my cards no. Then the next day XX/XX/XXXX there's a fraud withdrawal again from my account which is far away from my place which is in XXXX, CA. which I don't go to. Then I called again and reported it. Then I called again today XX/XX/XXXX, they haven't return my money. and told me they denied the claim. How's that, we should be protected by the bank and also it's their security that messed up. It's not my fault but they are still holding my money. They said it will take up to 90 days. That's not right. The problem is they have merchant, its different company who takes care of the ATM machine that's why there's too many fraud. For me an ordinary person {$2000.00} is a lot of money. Please help me. I don't think it's fair. My email is 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 monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
XXXX collections account appeared on my credit report Contact XXXX XXXX XXXX XXXX, NCXXXX ( 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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: IL

Complaint narrative:
i applied for a checking account with us bank i checked the box that asked if i wanted to attach my usbank credit card to the checking account no where did it say on the application that i was applying for a usbank credit card they did a hard inquiry on my credit i asked them to remove the hard inquiry they refuse to remove it they say it was part of the application process this makes no sense i don't think that you have to apply for a credit card to apply for a credit card to apply for a checking account at us bank and if you do they should tell that you are applying for a credit card

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 2021-10-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I Have already filed a complaint on issue # XXXX. In that complaint CFPB ask not to send any personal info in the narrative which I understood I should not upload my social security number. I now understand I can upload that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On three different occasions I requested a full file disclosure and only received the standard 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 2021-10-12 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: OR

Complaint narrative:
I filed a complaint with Consumer Financial Protection Bureau on XX/XX/2021. I gave as much information as i could in the complaint and requested Chase Bank to call me to discuss the details. I couldn't enter over 8 hours of phone calls, almost 20 people, multiple people in " management, supervisor and Executive '' level but no help. So i filed the complaint. As promised the CFPB sent the complaint to JP Morgan Chase Executive dept and they did indeed respond by phone within 5 days. However i was in XXXX on vacation and asked XXXX at XXXX Ext XXXX to call me the following Monday, XX/XX/XXXX to discuss the details. I informed him that it was so messed up and so many problems that i didn't want to ruin my vacation discussing the disregard JP Morgan Chase has for it's customers. I asked that he look into the details and we would discuss them. XX/XX/XXXX came and went and no call. I called and left 3 voice mails over the next 2 days and confirmed he was in the office but he decided not to respond. So he did no uphold our agreement for a resolution. I then got an email from CFPB stating that my original complaint was closed since JP Morgan Chase responded. That response had NOTHING to do with my complaint. Just because they replay to an irrelevant point, that does not close the complaint, but to JPMC it did. So now i'm forced to start all over with yet another complaint in combination with the original that i did NOT receive an adequate response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several letters to XXXX, Transunion, XXXX and they ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. 

Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, XXXX or Transunion any written consent to report these inaccurate old addresses on my consumer report, No consent is Identity Theft.

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 2021-10-12 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: GA

Complaint narrative:
victim of id theft and there has been a collection account reporting that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Barclays Bank Delaware and XXXX XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: SC

Complaint narrative:
On XXXX I contacted Transunion about unrecognized inquiries that were made on my credit profile. They were very rude, and kept telling me to contact the " Original Creditors ''. After 10 minutes of trying to explain myself, I finally got to tell the representative that I had previously contacted the creditors, & they told me " Contact the Credit Bureau ''. Credit Agencies are required to report ONLY accurate & verified information. The inquiries are NOT accurate, nor verified.

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