vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My identity was stolen ( social security card, drivers license and birth certificate ) by an ex girlfriend who no longer lives in the state of Georgia. An account was opened in my name at Bank Of America. I am being accused of fraudulent activies in which I know nothing about and was told I have to pay back money I never took or recieved. I have had 2 of my bank accounts restricted ( XXXX, XXXX XXXX XXXX XXXX ). My money was taken by XXXX without any explanation and the account was closed. My XXXX XXXX  account was restricted and closed. Now my XXXX XXXX account has been restricted as well after I deposited {$500.00} in cash into this account. I have disputed a claim with Bank Of America and was told it will take up to 90 days to resolve. This needs to be taken off my report as soon as possible so I am able to get a bank account for both my businesses. This is not fair to me and it's obvious these banks do not understand how easy it is for someone's identity to be stolen. I have had loans taken out in my name 3 times for {$10000.00} because of this situation I am in and is basically being told I have to pay to back. It has destroyed my credit as well. Please help me resolve this problem. I do not have proof other than my new SSI card and new drivers license because I did not file a police report. Not thinking a person I had living with me who I was taking care of would even do such a thing.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems has been sending my elder father letters about debt collections transferred from XXXX. I did not authorize this and know these charges to be fraudulent. I talked to fedex many times and get the run around about talk to this number, i call them and get told to talk to another number, and so on... I really tried my best to resolve it with them in good faith, but they just wanted it to go to this collections agency they have a partnership with. The bill is for {$1700.00}. The most recent mail was on XX/XX/2022, but I've had many such mails sent to my father about this, over 5 of them. 

The worst part is how much it worries my father, and how much time this takes from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: GA

Complaint narrative:
I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : TRANSUNION Collection : XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX  XXXX  CA XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  OF L XX/XX/2021 XXXX Collection : XXXX  XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am personal representative of dads estate apparently a claim was filed against this Nationstar d/b/a Mr Cooper with my Dad in Michigan circuit court XXXX  XXXX XXXX XXXX XX/XX/XXXX. The {$47000.00} mortgage taken out in XXXX XXXX was deemed ab initio property was given back to my dad. But this company has continued to collect mortgage payments to date. I am confused the pay off amount {$47000.00} if paid off by XX/XX/XXXX. It appears this company has continued to defraud my dad and his estate to date. I have asked for itemized statement for all payments made from the beginning of this loan only given information for payments made from XXXX to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
So what happened was that cashapp closed my account without any notice and I got my check sent to my account and now it got bounced, I tried contacting cashapp and they haven't replied to me, I just need to know the tracking number of the money that got " sent '' back to my job or else I will not get paid for the days that I worked and if you guys need to know for what company it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX  CA XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX OF L XX/XX/2021 EQUIFAX Collection : XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 EXPERIAN Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX AUTO XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT

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 2022-05-27 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: VA

Complaint narrative:
Inquiries, addresses, phone numbers, names. Also giving out my information to 3rd party sites without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: VA

Complaint narrative:
Inquiries, addresses, phone numbers, names. Also giving out my information to 3rd party sites without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have unauthorized charges of {$49.00} coming out of my account monthly. I told the bank that I am unaware of this company. I've tried to contact the company listed on the transaction but have received no response. I filed a formal complaint to the bank and asked them to block the charges in XX/XX/2021 but was denied. I changed debit cards in XX/XX/2021 however, the bank still allowed the company to take money from the new card. To date the unknown charges are still being taking from my account.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. Experian has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave Experian any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX  baby.

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 2022-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services trying to collect a debt that was charged off due Original Creditor XXXX got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom this may concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.

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 2022-05-27 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: GA

Complaint narrative:
I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : TRANSUNION Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020

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 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The company moved the amount inside my account to their own account, and they sent me mail saying that I should receive a cashier 60 daysafter if the amount its not return. Its been more than 60 day. And they have not said anything about that money they moved from my business account

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I subtmited a claim against my bank Chase due 4 transactions that the merchant Never sent the items. 
The bank informed me that they " reached '' the merchant and they provided the confirmation of the delivery, something I never get until now and I requested may times to them. 
I reopened the case with XXXX with executive office and I was requested to send the forms again and the order receipt showing that the goods must be sent, I sent all of that on XX/XX/XXXX and talked with " XXXX '' from executive office. 
Today after 1 hour and half talking with the bank and being transferred 3 times, the first information is that the case is still under review, then I was transferred to executive office were they told me that the case is closed by them and sent it to claims department, I was transfered to them and they told me that the case was closes for a different reason that the original, the reason was that purchases made face to face are not covered by chargebacks XXXX. 
And 1 of the claims was approved and gave the money back, but the other 3 denied. Doesn't make sense that one was approved and the others rejected if is the same merchant and same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My company purchased a {$150.00} American Express gift card and provided it to me as a gift. However, when I went to use the card I discovered that someone had already used the card fraudulently to purchase {$120.00} worth of items from XXXX this past Saturday. When I contacted American Express, they said there was nothing they could do about it because their Card Member Agreement states they won't reimburse fraudulent charges because the card is treated as cash and that my only recourse is to file a complaint with XXXX ( where the card was fraudulently used ). I could understand this if the card had been stolen from my possession or opened before I received it. But, I received the card in it's original unopened cardboard packaging which covered up the card number, expiration date, and security code. None of that information was visible until I personally opened the packaging which means that information could NOT have been stolen by someone at the store that sold the card. The card also never left my possession or even my house. Therefore, the card number and related information could have only been stolen when the card was printed or packaged, which makes it an inside job. I did contact XXXX where the card was used fraudulently, but they insist that they can not issue a refund unless American Express registers a dispute over the charges. They claim that if American Express would do that, they will refund the charges to the card. However, American Express refuses to do that claiming they have no way to register a dispute because it's a gift card and not a credit card. I call XXXX. If they can issue a fraud dispute for credit card charges then they can issue them for gift cards because they both use the same XXXX  system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. XXXX has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave XXXX any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation