vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited a loan check from a reputable company in my Chase checking account via a branch ATM on Friday XX/XX/XXXX around XXXX. I had several hundred dollars in the account at the time. I was told there would be a hold on the check until Saturday XX/XX/XXXX and then Tuesday XX/XX/XXXX the remainder of the funds would be available. I agreed. On Saturday XX/XX/XXXX I attempted to use my debit card to find that my account had been frozen restricting access to all funds. I called customer service, was treated poorly and was told they didn't know why my account was frozen but I'd have to go to a branch in person on Monday. Today Monday XX/XX/XXXX I spent my entire lunch break at a Chase branch attempting to resolve the problem. I had to go back to work and they said they'd call. They didn't. I returned to the Chase branch after work and was told that although the check had cleared my account was still frozen because " the font on the check didn't look right '' and I would need the lender to accompany me to the bank to tell them it was real. According to Chase my two forms of ID are not good enough, a phone call from the lender isn't good enough, I need a third party from a lender to come with me to cash a check that has cleared. The branch manager got involved and realizing how ridiculously unfair this was attempted to resolve the problem. She did her best and I am grateful for her work however my account is still frozen and I have no answer as to when it will be unlocked. I was given {$280.00} of my money to basically get me to leave. I took this loan because I have very important bills to pay but I can't because Chase is playing games. The check cleared XXXX XXXX XXXXXXXX and Chase has the funds but they refuse to allow me access to my money because they simply don't want to. I have never bounced a check, never overdrawn my account, have no criminal record and yet Chase can treat me like this. I can't even close the account because it's frozen. I don't know what else to do and really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
An account was opened in my name. I received a debit card at my house asking me to activate it. I did not open the account. I have contacted them via email and they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute w/ Transunion regarding an inaccuracy on my credit report w/ the US Dept . of Education. I received a response from TransUnion on XX/XX/XXXX stating they conducted an investigation and verified the information as accurate. 
My student loans were successfully rehabilitated w/ the US Dept . of Education and were taken out of default status and were to no longer report negatively on my credit according to the terms of my rehabilitation agreement w/ the US Dept . of Education as of XX/XX/XXXX. Also, according documentation sent to me from the US Dept. of Education, my account has been assigned to XXXX XXXX to further resolve the debt, again according to a letter dated XX/XX/XXXX. TransUnion is reporting that I owe a debt to the US Dept. of Education in the amount of {$23000.00}, when in fact, I don't owe them anything due to the rehabilitation and the reassignment of the account. TransUnion 's reporting is now stating that I owe more debt than I actually do and this account is showing as almost 12yrs old. I placed a call to them on XX/XX/XXXX regarding the inaccuracy they're reporting and the representative attempted to tell me that the information was correct. I voiced my disagreement and informed her that I had documentation to support my claim and that I wanted the almost 12 yr old info removed from my report. Again, I was told the investigation was verified and the report is accurate and was dismissed. I'm requesting the CFPB to please look into this matter and rectify the issue.

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CCS XXXX Credit Collection Services ), for committing identity theft. I have never given CCS ( Credit Collection Services ), 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 aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CCS ( Credit Collection Services ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CCS XXXX Credit Collection Services ) any right to collect on this alleged debt. 

I have never received any documentation requesting validation from CCS XXXX Credit Collection Services ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CCS ( Credit Collection Services ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 CCS ( Credit Collection Services ), 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 CCS ( Credit Collection Services ), continues its collection efforts, I will file for litigation for actual damages caused and CCS ( Credit Collection Services ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of unfair and inaccurate reporting of my consumer credit report by EXPERIAN. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.

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 2022-07-19 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: MO

Complaint narrative:
I sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXXXXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again

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 2022-07-19 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: NJ

Complaint narrative:
A XXXX Credit Card was sold to LVNV FUNDING and XXXX law suits were filed the first was dismissed to investigate the fraud claim the law firm for LVNV XXXX XXXX and XXXX never contacted me after that 3 months later they file a XXXX Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to LVNV AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both LVNV and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from LVNV nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Garrison Investment Group
State: CA

Complaint narrative:
I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I had autopay set up on my account with my Bussiness XXXX XXXX and credit acceptance new policy said it no longer take Bussiness card payments of XX/XX/2020 which I wasnt aware of so there for my payments wasnt being made I called in XXXX to pay the account in full and still wasnt told my Payments was late or anything I recently check my credit report and sees they put I missed 6 months of payments back to back which was false I try contacting them serval times finally spoke to someone who said just fill out the dispute form and put covoid 19 and we will remove the late payments lies lies lies my account is paided in full XXXX XXXX years early and they wasnt please and not tryna make me pay by reporting it to all three credit bureaus which is not my fault at all i tryed working with them and all still nothing Smh

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 2022-07-19 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: CA

Complaint narrative:
I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: MO

Complaint narrative:
I sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again

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 2022-07-19 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: MO

Complaint narrative:
I sent a letter on XX/XX/2022 to bureaus to remove personal infXXXX 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 ; accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of unfair and inaccurate reporting of my consumer credit report by EQUIFAX. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to get my report multiple times with no success. this is causing my great harm in not being able to see what's currently being reported on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Personal Finance Center
State: GU

Complaint narrative:
I am filing this complaint because as of this date XX/XX/2022 I have yet to hear any response from Personal Finance center on my complaint filed XX/XX/2022, and also PFC has not made any attempts to amend the situation regarding my mortgage and arrears payments, and at this point I feel that I am being harassed by PFC and their employees and their attorney XXXX XXXX. The whole time I have been dealing with PFC and their attorney XXXX XXXX they been very rude and have tried many times to intimidate me and have threatened me on serveal occasions that if I don't pay the arrears and the mortgage off that they will take my house away. And another example of thier harassment is that I have been summoned to appear in court in reference to a personal loan and also to see my salary when the bank knows what my salary is and that there are no changes to it and it is unnecessary for me to appear in court in regards to my personal loan because the vice president XXXX XXXX indicated that they would put a lein on the personal loan and combine it with the mortgage. I feel like Pfc and their attorney are trying to keep me in debt so they can take my house away and are trying to harrass and intimate me into paying off my mortgage and arrears payments instead of trying to work with me and come up with an agreement in regards to my mortgage and arrears payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A Citibank Credit Card was sold to XXXX XXXX and 2 law suits were filed the first was dismissed to investigate the fraud claim the law firm for XXXX XXXX XXXX and XXXX never contacted me after that 3 months later they file a 2nd Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to XXXX AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both XXXX and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from XXXX nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: IL

Complaint narrative:
I submitted my dispute to CashApp on XX/XX/2022, which was not credited until XX/XX/2022, well over 10 business days after the dispute was submitted, with no notification on record from CashApp about the credit being applied, and nor was I notified about CashApps supposed investigation results until XX/XX/2022, three business days after providing the credit, purposely putting me in a position to have a negative balance, all the while CashApp knew of their selected the results of the investigation, while still crediting my account just to withdraw the credit after my use, with no notification or record on file from CashApp about the credit that being applied to my account, it being provisional or temporary.

Company response to consumer: Closed with explanation