vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, Credence did not send me anything thereof with my signature therefore I asked that this debt be ruled not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
On XX/XX/2021 I sent collection agency MediCredit a certified letter requesting them to validate a debt they claimed I owe that was reporting on my credit report. 

On XX/XX/2021 I sent a follow up certified letter to MediCredit requesting debt validation. 

On XX/XX/2021 a third debt validation request was sent certified. 

MediCredit has neglected to properly validate the account ( which included signed documents of me giving MediCredit permission to have access to my medical reports/history ) This collection agency continues to verify with CRAs XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to claim negligence by Chase. They should protect me as their client ; however, they failed to protect me and fail to investigate the claim. They did not live up the expectation that such big company is expected to give to their client. 
On XX/XX/2021, I was victim of voice phishing. The scammer had spoofed Chase Banks number and I was scammed for {$2000.00}, by XXXX. Right after I realize that was scammed, I called Chase and was put in hold for more than an hour, so I had no other choice than going to the local Chase bank to explain my situation. They put hold on my account, and I was told to wait that they will investigate my claim. They also told me that I need to go to XXXX XXXX bank and to talk to them because the recipient is an account holder at XXXX XXXX. I knew this because the person at my local Chase bank was able to me track the recipient and found a XXXX XXXX account as well as the last 4 digits of the account number, also I received multiple emails saying to confirm my account to receive money. We went to XXXX XXXX and after checking my info in their databases they concluded the person who scammed me was using my name and email but after checking my socials I did not have any accounts with them, they gave us a phone number to call fraud department. We called and they told us to wait for Chase bank, that they will communicate with each other to investigate the case. I told XXXX XXXX that I am certain that the money was transferred to XXXX XXXX bank account, because they used my email to open a new account at XXXX XXXX. They fraudulently opened an account at XXXX XXXX to steal money from me. Thus, XXXX XXXX Bank also must be responsible for this claim. 

The next following morning not even after a full 24 hours in the morning, I had received a statement from Chase through my Chase mobile app stating that under my authorization and agreement that they will not be taking any action and the inquiry was now closed. This especially confused me since I have never discussed not taking any action and have agreed to close the inquiry. I was assured over the phone by Chase bank that they would work hand in hand with XXXX XXXX and update me on any finds regarding my claim, but I received no updates, no resolutions, just a statement stating that the inquiry was now closed, and they will not be taking any action. I even called after receiving the statement and was put on hold for more than 2 hours and called back the following day, and the lady I was speaking with could not explain in her own words what the resolution was and why my inquiry had been cut short without any investigation. Just repeating the same thing over and over again and I was not satisfied with the answers. It seemed to me that they just wanted to cancel my claim without any right of fair investigation. 

CHASE CLAIM # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I submitted a complaint against XXXX  on XX/XX/2021 because incorrect and outdated negative information was being reported by XXXX  even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that XXXX was factoring a paid collections account into my XXXX XXXX in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped 30 points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- 35 % Credit utilization : 30 % Credit age : 15 % Credit mix : 10 % New credit or inquiries : 10 %. 

Today I received an email from XXXX  regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of XXXX XXXX It goes as follows ; Payment history : 40 % Age and type of credit : 21 % % of credit limit used : 11 % Recent credit : 5 % Available credit : 3 % I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as XXXX XXXX. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Bank has my account in pending/hold with no date to actually close the account! The bank was able to transfer fund from My checking to my savings but give me access to my funds.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-09 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: DISCOVER BANK
State: CT

Complaint narrative:
I had recently wrote cfpb a complaint about discover credit company reporting a negative mark on my credit report with these balance has already been sastified and paid for as agreed also on there last reponse they did not provide any real documentation in relation to these so called negative balances ... so there for i am asking if discover credit can please take off this negative mark on my credit report people have suffered enough from covid 19 finacially and now discover wants to punish us more by reporting inacurate informations on peoples credit reports who have XXXX fico accounts that are always paid for on time please this is just far beyond ridiclous and i honesty dont think anyone deserves it at a time like this and what we are all going through rite now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo, showed that I had a dollar amount in my account. Then after withdrawing from my account they took away a check that had funded the majority of the account. The check that funded the account shouldve never have shown up in the 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 2021-07-09 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: Kentucky Higher Education Assistance Authority
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
Unauthorized use of credit report. TransUnion, XXXX, XXXX is out of pocket! please fix.

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 2021-07-09 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: FL

Complaint narrative:
I paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.

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 2021-07-09 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I tried to cash out my chime account to my linked bank account in the amount of {$9400.00} and was informed my account had been closed I have sent in proof of identity and proof of ownership of the linked bank account and have gotten no reply from anyone at chime I have been dealing with this issue since XXXX and Chime is refusing to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: Synovus Bank
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

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 2021-07-09 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: NY

Complaint narrative:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As usual Sears credits my payment first to regular purchase, and the remainder, if any, to promotional purchase, but in XX/XX/XXXX 's statement the billing section did it differently : Sears credited {$440.00} to a promotional purchase which will expire on XX/XX/XXXX and {$130.00} to regular purchase ; this way of calculation showed that I did nor payoff the regular purchase in the previous month, and Sears could charge interest fee. 
On XX/XX/XXXX l wrote to Searss Customer service a letter a letter disputing the interest and asking Sears removing the related fees. Not only Sears did not answer my letter, but also charge monthly interest fee totalizing {$39.00} of XX/XX/XXXX 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 monetary relief