vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: FL

Complaint narrative:
The following consumer reporting agency : LexisNexis XXXX XXXX Sent my report on the following date by email : Consumer Number : XXXX Case Number : XXXX XX/XX/2021 After reading the report I sent an electronic dispute by email as per LexisNexis instructions ( see a copy of dispute instruction ) on XX/XX/2021, and followed up on XX/XX/2021, since I had not been notified that they had received my dispute or started an investigation. 

Copy of dispute instructions : Q : How do I contact you if I have questions about my report or want to correct information on my report? 
A : If you have any further questions or there are items you believe to be incorrect, you may contact LexisNexis XXXX XXXX via email at consumer.documents@LexisNexis.com or by phone at XXXX. The LexisNexis Risk Solutions Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX. XXXX XXXX. In an effort to protect your privacy and deliver prompt service, please have the numbers located at the top of your report page accessible when you call our support number. 

LexisNexis has been notified 2 times of my disputes of the report number ( s ) referred to above by the electronic means they implemented for disputes and has not acknowledged receiving my dispute of their information and/or that a timely investigation has been started.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check to my bank at XXXX XXXX the another check was a check from Chase I deposited it and the funds were cleared in my account the next day so I am an emergency and I started taking the money out after I started taking out the money I got an email saying it wasnt going to cleared until the XXXX of XXXX okay I called the bank and they said that I have to go to Chase and see what was going on I did the lady that helped me told me theres nothing she can do it was a fraud check I didnt know what now what can I do she told me that I had to paid the amount back I ask her if she can help me and she told me no so please help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I pay my account in full each month..always have. During XXXX XXXX TX area had power outages, no post office delivery for over a week and bursting pipes at our post office. I did not receive one of the statements, did not realize it until I got the next statement in and found a large fee and interest charge. Attaching the letter I wrote to Commenity ... explains what happened. Their response was a typical form letter that did not explain the interest charges specific to my situation, etc. Last month I paid in full, including the interest charge which I did not agree with,. Just got this months bill ... another interest charge ... this one in addition to the one in the prior month. This is completely wrong. I pay on time ... get the statement in the mail, check goes out the next day. I can not make any headway with these people ... I have been on the phone way too many times and no one is able to rectify this situation. Am attaching the prior statements so you can see what they have charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-23 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: GA

Complaint narrative:
Transunion has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX  XXXX  '', " XXXX XXXX '', " XXXX/XXXX  '', " XXXX XXXX '', and " XXXX XXXX '' inquiries should be removed from my report immediately.

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 2021-06-23 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: NY

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Attached is a venmo rep telling they are fixing ny accout so i can log into it and transfer funds that they stole twice now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I have disputed with all three credit bureaus.XXXX, XXXX and Equifax the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have disputed with all three credit bureaus.XXXX, Experian and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact 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 2021-06-23 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: NC

Complaint narrative:
I demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XX/XX/2021, I inquired about a deposit that was unexpected put into my savings account in the amount of XXXX $ . I asked for Golden One Credit Union to look into the issue. The credit union did there investigation and stated that there was nothing abnormal about the deposit. Golden One sent a letter stated that they did do there investigation and stated that the money came for us XXXX XXXX and that everything was ok. 
XX/XX/2021, Golden One froze my account took all my money and stated that there was a mistake and that another Golden One member had deposited a check into my account back on XX/XX/2021 into my savings. I tried to inquire about the issue XX/XX/2021 was severely mistreated and was told that it wasn't my money to spend in the first place and that until the money is paid my account is frozen and they seized all my finances. 
Last night around XXXX XXXX we were able to go through the automated system and speak to an individual who did a little more digging and they did locate the notice about the investigation that i did back in XXXX but nothing has came of it. 
I'm a single mother of XXXX and now I have no money and I'm emotional distressed because of golden one credit union s mistake- please help ive never had anything like this happen before

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 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Harvard Collections, LLC
State: NC

Complaint narrative:
after checking my credit report on credit karma on XX/XX/XXXX an amount of {$2700.00} was placed on all 3 credit reports from Harvard collection on XX/XX/XXXX regarding an overpayment of benefits from the Illinois Department of Human Services. I contacted Harvard collection agency to dispute the collect. I was told that it was an overpayment of benefits from XX/XX/XXXX to XX/XX/XXXX. I was a single mom of 3 and any benefits obtained were in compliance with the departments rules and guidelines existing at the time of issuance. In the past 30+ years I have never received any documentation or court orders signed by a judge regarding this matter. What applicable statutes are they working under. I have contacted an attorney regarding this collection. The attorney contacted Harvard collection and has sent an appeal to them on XX/XX/XXXX. In return I have received via mail a document starting Hearing Scheduled Letter for XX/XX/XXXX @ XXXX via phone call. There is no court order just an appeal number listed that my attorney has responded to. This is the first time I have ever heard of this collection. Why now why this moment 30+ years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: AR

Complaint narrative:
I have been receiving multiple calls and voicemails from TrueAccord Corp. After the first round, I returned their call and spoke to a company representative. I was told then that I didn't have an account and that the calls had been in error. 
The calls ceased but they called me again today, XX/XX/2021, and left another voicemail saying I had a debt in collection, which I don't. 
So now I'm filing a complaint with CFPB and I will also be filing a complaint with my complete worthless state Attorney General in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent the Equifax a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called Chase Ink Business Preferred 's support line to cancel my account with them on XX/XX/XXXX. The cancellation was successfully completed and the representative read some standard language about destroying the card. Regrettably nothing about transferring points currently on the account. 

I have three other active Chase cards and have been an accountholder since XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I noticed all XXXX of my rewards points had disappeared. I called Chase and was told that representatives are required to inform cardholders upon cancellation that their points have a 30-day expiry window in the closing account. If I had just transferred my points to one of my other three accounts, I could have kept them. 

While I didn't record the call, I know the expiring rewards were never addressed. I would have stopped everything I was doing to move points worth ~ {$1200.00} ( with the redemption multiplier ) that I earned and had been saving to use for personal travel after the pandemic. I've had plans for 18 months now and those points were going to fund much of the trip. Now I'm left with nothing. 

The Chase reps I spoke with on XX/XX/XXXX said although the rep was at fault for not forewarning me, there's nothing they can do to reinstate my points. It's difficult for me not to feel like I lost {$1200.00} worth of points ( and my ability to afford a vacation ) because someone on their end didn't do their job correctly. These are points that earned and strategically accrued to take a trip with my family. Now they're gone.

Company response to consumer: Closed with non-monetary relief