vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Curacao ran my credit on XX/XX/XXXX and reopened an old account that was last used in XXXX and charged $ XXXX, then ran my credit agin on XX/XX/XXXX. 

I did not re-open this account. I contacted them but they seem to not care. Ive filed a police report and completed a notarized fraud affidavit with a copy of my ID and social security card so they can see it is not me who re-opened this old account. Ive also filed a complaint with the XXXX 

I visited the Curacao headquarters in XXXX  on XXXX, but the fraud investigator did not want to speak with me and the people there did not want o give me her name or email or phone number either. What kind of business is this that re-opens old accounts fraudulently? Ive explained I didnt re-open the account and the address they have on the account is in XXXX XXXX CA Ive never lived in XXXX XXXX Also the phone number is a XXXX area code and Ive never had a number like that. I gave Curacao a copy of my utility bill so they see where I live. I dont know what else to do to get this account closed and the address removed from my credit report. Please help me because who knows how many other victims there are as a result of this companys fraudulent practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, an inquiry letter was sent to American Express regarding a closure of a credit card account. ( See Attached Letter dated XX/XX/XXXX ). American Express did not reply to my inquiry letter. The letter stated that the account was cancelled without sufficient notice and that its closure was inconsistent with the expiration date on the card, which was expected to be valid thru XXXX, XXXX. Since XXXX when the account was opened, the account had accrued travel rewards points of over a period of XXXX  years. American Express closure of the account without sufficient notice is problematic as it did not provide for sufficient time to redeem the rewards point that accrued since XXXX or an alternative way by which to redeem the points such as a transfer of the points to a new credit card account. Given the long duration of the existence of the account, approximately a total of XXXX points had accrued on the account that were not redeemed nor did American Express provide for an alternative way to redeem the points before the accounts closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/2020 my bank, Citibank has done a combination of the following actions in the span of XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) times : XXXX or denied use of my XXXX Debit/ATM card after routine transactions made by self or on behalf of self XXXX or Denied use of my XXXX Debit/ATM card in XXXX XXXX XXXX XXXXXXXX XXXX XXXX  '', on my device referred to as " XXXX XXXX '' after routine transactions made by self or on behalf of self Failed to deny use of my XXXX Debit/ATM card physically and/or through XXXX XXXX XXXX XXXX after non-routine transactions by self or others Any of the above mentioned resulting in waits of greater than XXXX XXXX XXXX XXXX XXXX XXXX 
Denied verification options and/or failure to establish verification tools Made false claims as to the status of my card and/or account or other false statements regarding the use contractual agreement between myself and the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I bank with Current and recently today my account got emptied and overdrawn by some charges which I did neither initiate nor authorize. Over {$500.00} was taken from me, from a merchant called BONUSES. They made 13 total transactions within ten minutes, 7 of which were for {$59.00} and 6 for {$29.00}. As soon as I noticed I reached out to my bank to argue that these were not me and obviously someone else and all they told me I could do is wait. My complaints are, for one, how did this not set off any red flags or fraud alerts? Upon researching the number that came from the merchant information, it was from someone in XXXX. I live in Texas. 13 total transactions in less than 10 minutes for the same two amounts from a country on the other side of the world didnt set off any alarms? Secondly, when I told them this and said that Im overdrawn and that it wasnt me who initiated these transactions or anything, all I got told was to contact the merchant directly myself or just wait until the charges settle and then try to dispute them. I cant contact the merchant nor should I have to wait till get my money back from obvious fraud. I talked to two separate people and I just got told to just wait it out then. That itll normally take 5-7 business days for the pending status to change to finalize. But now Im going to have to wait until I get paid because they wont overrule the transactions and cancel them and return me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On Friday XX/XX/XXXX, I took my children to see XXXXXX/XX/XXXX at the XXXX XXXX XXXX. While there, my card slipped out of my pocket and someone must have picked it up. The following are the charges incurred and the dates as well : - XX/XX/XXXX - XXXX XXXXXXXX XXXX  : {$48.00} - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX : {$72.00} - XX/XX/XXXX - XXXX : {$11.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$91.00} - XX/XX/XXXX - XXXX XXXX : {$23.00} - XX/XX/XXXX - XXXX XXXX : {$250.00} TOTAL : XXXX I noticed the fraud when I checked my account on the evening of Saturday XX/XX/XXXX. I immediately cancelled my card and contacted the Bank 's Customer Support line ( Chime ). They informed me that since the charges were still pending that they could not process a dispute and that I would have to wait until the payments process, giving me no way to reach out to these vendors and/or their credit institutions. 
On Monday, XX/XX/XXXX, I was able to file XXXX disputes for the fraudulent charges ( you can only have XXXX charges total on one dispute ). Those claim numbers are XXXX and XXXX. Chime provided temporary credit for XXXX of those charges ( Food Lion for {$91.00}, XXXX XXXX XXXX for {$48.00} and XXXX XXXX for XXXX ) and claimed the rest would remain in limbo until they finalized their decision. 
On Thursday XXXX, I received notification that Chime states that no error occurred and that my claim would be closed. I rebutted, received a police case XXXX  with the XXXX XXXX, SC police department ( # XXXX ) and informed Chime of these actions. Less than XXXX hour later, they responded and said that my rebuttal was denied that they were officially closing my claims and I am out of the {$500.00} that was stolen from me. 
I am waiting for the case to be available for viewing from the police department ( the intake call representative told me that it could be a couple of days ). Once I receive it, I will send it over to Chime ; however I'm not anticipating any support from their end. 
Chime is repeatedly stating that this issue is XXXX of my own doing, when in fact, it was theft, fraud, etc. I need help recouping these funds. I am a single mother and this money was supposed to go towards our housing and utilities ( first of the month ) for XXXX. 
I only started having funds deposited to this account a little over a month ago when my husband and I separated. I wanted to have a safe space for my finances while we undergo a divorce and this was the quickest and easiest account to use at the time. I am highly disappointed in Chime & their customer service team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 : It also states a consumer reporting agency can not furnish a 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 : It also states a consumer reporting agency can not furnish a 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NC

Complaint narrative:
This XXXX XXXX XXXX was reporting to my account in XXXX, and it fell out now its back on and the wrong balance is reporting, the dates is wrong, and the lots of inaccurate reporting. One report says its close, one says its in collection this is not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates
State: NC

Complaint narrative:
Creditor Bureau calls me everyday, they have my medical information and mailed me a copy. I want this company to CEASE & DESIST FROM CONTACTIING ME CALLING MY PHONE LEAVE ME ALONE,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: OR

Complaint narrative:
I attempted to open a Savings Account with Discover Bank and was denied due to issues with their identity verification process. For reasons their representative can not explain other than " It's policy '', they are unable to validate me against an existing Discover credit card account that is in good standing. They will not open the account unless I send notarized documentation to them. I offered to send them photo ID ( US Passport ), offered them additional phone numbers to validate against, they refuse and insist on the notarization process. I do not feel I should have to pay money to a notary to open a savings account, particularly with an institution that I already have an established and very positive relationship with. The need to validate my identity is understandable, given the threat of identity theft, but they should have a process in place to accomplish this that does not cost their customer an undue amount of time or money. This is particularly frustrating given that I already have an established relationship with them on the credit card side of the business and can not simply open a new account off that established relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

The credit reporting agencies were notified this account is result of 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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had fraudulent transactions on my checking account. Once Citibank verified they were fraudulent the funds were returned to my account. I received a letter on XX/XX/2022 stating they were closing my account. My account contained {$1000.00}. In their letter they state within sixty days any funds in the account would be issued a check mailing to the address on the account. In XXXX I contacted Citibank to find out the status of my account and was told a check was mailed. In XXXX I contacted the fraud department and was told my account was being sent to the closure department and they had sixty days to close. I asked why was I told in XXXX that the check for {$1000.00}. I was placed on hold and when they returned they stated that they could no longer speak with me and hung up. I called several other times and was told they could not speak with me and hung up. In XXXX I tried to contact Citibank through their automated system but could not identify my card number or my social security number. There were no physical XXXX in the XXXX XXXX. I have had a financial report ran and the {$1000.00} was listed. In XXXX I wrote a letter and provided all of my documentation and have not received any response.

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 2022-11-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Allied Trustee Services XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX No. XXXX XXXX XXXX represented HOA with foreclosure sale of real property in XX/XX/XXXX without a recorded lean on property. 
XX/XX/XXXX 3 years later after foreclosure sale was completed filed a new money judgement with same case file in XXXX XXXX XXXX XXXX for debt that was already satisfied in bankruptcy and foreclosure sale in another County. Past the reclamation time and deliberately, knowing, and unethically pursued to do so. 
XX/XX/XXXX Illegally Levied my bank account 3 years after representing XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX XX/XX/XXXX Currently still dealing with this company, after winning my case, and paying my attorney to get the money back that they illegally levied back and still trying to get this vacated due to negligence and fraudulent practices. 
These fraudulent practices and unethical tactics need to be published and brought up to the public for the unfair practices, consumer violation rights etc. and be stopped and investigated.

Company response to consumer: Closed with explanation