vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The collection is not from the original creditor. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.

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 2022-06-21 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: NJ

Complaint narrative:
When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: NJ

Complaint narrative:
When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/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 2022-06-21 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: NJ

Complaint narrative:
When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/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 2022-06-21 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX, Account # 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.

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I contacted Bank of America about a fraudulent charge on XX/XX/2022. The charge originally posted for {$1000.00} on XX/XX/2022. 

I have told them it was fraudulent and they will not reverse the transaction. I have sent in all documentation required.

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 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2022-06-21 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: GA

Complaint narrative:
My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by mail and submitted the CFPB complaint. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.

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 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I've recently been a victim of a XXXX scam/fraud. I lost {$7000.00} in the fraud, and Bank of America is unclear as to whether they will reimburse me. They informed me they would begin a 10 day investigation, but I have not received the funds, and I can not contact them. I've been on hold for three hours today. It has been over 10 business days, and the fraud was reported within 2 business days. 

The scam/fraud is elaborate. First, a text was sent inquiring if I authorized a XXXX transaction of the maximum daily transfer of {$3500.00} ( XXXX does in fact send this form of notification, though this is fraudulent ). I replied " no '', and then received a call from a spoofed phone number that says " Bank of America '' and does in fact appear to be the customer support number. They first identified themselves as BOA fraud investigators and inquired if I made a {$3500.00} transaction, and when I reply no, they stated that they must complete a fake two factor authentication. They asked me to confirm the last two purchases made on your account, then to provide a 2FA code sent via text. You provide the code, but in reality, the code is used for them to steal the phone number associated with your XXXX account, which they have just initiated. They then request you to send {$3500.00} to your own phone number on XXXX to protect our funds and allow them to cancel the pending transaction. You think you are sending it to your own account, so the funds are safe, even if it is fraud. But in reality, they have stolen your XXXX account, based on your phone number. The bank denies responsibility and states they are unable to cancel a XXXX transaction even if it is in-processing. This happened twice in a 24 hour period. 

I believe I am titled to reimbursement under Regulation E, given that it was a " token error '' and therefore qualifies as an unauthorized transfer. I believed I was sending money to my own account, but was tricked into providing a 2FA Code by fraudsters posing as BOA. The CFPB affirms that regulation E protects 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 monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NH

Complaint narrative:
I am a student. My loans have been in deferment while I am in school. However, Sallie Mae neglected to inform me that my in school deferment would run out last semester. Now my overdue balance has skyrocketed to a point I can not pay. I am requesting for Sallie Mae to bring my account current and work with me to reach an agreement where I can afford to survive. This should not be this difficult. 

I have spoken with them numerous times and each time they demand I make the overdue payment, which I tell them I can not afford. They are unprofessional and should be ashamed to work for such an organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I keep getting repeated calls from commenity bank and soon as you answer they hang up it happens all day long

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-06-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Credit Solutions LLC
State: FL

Complaint narrative:
sent a certified letter for a request for validation. Gave the company 30 days from the date they received the letter. They failed to validate a debt at my request, which is a FDCPA violation. They ignored my prior request for validation. 
" Estoppel by Silence '' legally means that they had a duty to speak but failed to do so. I will use the Estoppel in my defense. 
They ignored my request for validation of debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-21 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America credit card that had fraudulent charges from XX/XX/2022 - XX/XX/2022 for a total of {$520.00} : XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX On XX/XX/2022, I froze the card through the Bank of America app and called them to inform them of the fraud. However, I got a letter dated XX/XX/2022 that informed me that my claim was denied since my chip was read, which is not possible as I keep this card in a drawer at home and it has never left my apartment this year. It's also odd to me that it was rejected as I first noticed the fraud as a result of a Bank of America notification informing me of unusual activity.

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/22 - XXXX received Chase text saying account was on temporary hold. Mirroring a legitimate chase website, the link asked for login information and personal information ( social, address ) and picture to verify the account. She didnt think it was out of the ordinary because we were out of town. 

XX/XX/22 - XXXX ( XXXX husband ) Noticed two unauthorized withdrawals from joint account. {$500.00} & {$2500.00}. He called Chase to report. Later XXXX noticed her checking account had an unauthorized withdrawal of {$650.00}. Called Chase to make a report of the account activity. XXXX was Instructed to call claims the following day. 

XX/XX/22 XXXX called Chase to make a report with the claims department and visited the local Chase branch were they closed the compromised accounts and replaced all three accounts. 

Chase claims department denied the claim, stating that the transactions were authorized. 
Both XXXX and XXXX were at work at the time of the unauthorized transactions, no lost cards were lost and Im possession of XXXX. 

Made many calls to the Chase to chase claims department to receive fax numbers to send police reports. For weeks, Chase said they have not received documents. Countless trips to the Chase branch, bankers and supervisors have been helping to send documents & claims still never say they received them. Chase bank supervisor emailed the documents & claims still say they received anything. No get any updates or calls on the status of everything. After everything Chase claims still denied the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my BOA as I was not using and it was in excellent standing and was told by BOA rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX points on my good credit score. Tried calling XXXX and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my BOA and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely 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 2022-06-21 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX sent me an alert that my credit score had been updated. Navient reported that I was 90 days delinquent on XXXX XXXX. The United States is on a student loan freeze, and my income based repayment plan was reaffirmed back in XXXX. Navient said it expired in XX/XX/XXXX, but my payments were {$0.00}. Now, in XXXX theyre saying Im 90 days past due and I have never had an issue until now. Amounts are reported as XXXX, {$7600.00}, {$2500.00}, and {$1800.00}. I have disputes this with XXXX and the Ohio Attorney Generals office. I just want the 90 day delinquency removed from my credit report since it hit my credit hard and I have never been late and were on a federal student loan freeze. Since they changed my credit report, they have put me on a forbearance to get my past due balance caught up, and my income based payment plan is back in effect. I have another student loan servicer and I dont have any issues with them or their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MI

Complaint narrative:
N accordance with the Fair Credit Reporting Act XXXX XXXX account # 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.

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 2022-06-21 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: MI

Complaint narrative:
N accordance with the Fair Credit Reporting Act XXXX XXXX account # 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.

Company response to consumer: Closed with explanation