vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: FL

Complaint narrative:
Original case : XXXX at CFPB Sirs US Bank. 

I am immensely surprised at the treatment you provide to your ex-customers. 

Regarding the claim that I made through the CFPB against US Bank, I comment the following : On XX/XX/XXXX, in a simple, concrete and kind letter, issued by ( document attach # 1 ) : XXXX XXXX XXXX U.S. Bank Reatail Payment Solutions He let me know that the claim was solved. 

I received this letter on XX/XX/XXXX ; but since XX/XX/XXXX I could see in XXXX and XXXX   the rectifications requested in my original claim. Attached photo of the information presented ( document attach # 2 ) I thought that everything was solved, to continue with my personal plans : Apply as soon as possible for a mortgage loan. 

On XX/XX/XXXX, I observe my credit report in XXXX, and I see that the data that had been disputed in my original claim ( they were already solved ) returned to be reported. Attached photo with the report of XXXX on XX/XX/XXXX ( document attach # 3 ). 

Continuously to this, I review my case at the CFPB page and I find a very professional letter, educated, but with more problems than solutions, issued on XX/XX/XXXX by ( document attach # 4 ) : XXXX XXXX Customer Care Specialist Honestly, I do not understand what happens or where we want to go with this case. 

On XX/XX/XXXX, I made several calls to the number XXXX ( as you suggest in your letters ),  but only answers a machine, which indicates to leave my information, and somebody call me back in 24 hours. I am waiting the call today ( XX/XX/XXXX ). 

I have been respectful of their times and procedures, I have done everything to find a friendly and immediate solution, but that has not been enough. I can not continue postponing my plans, due to the actions ( good or bad ) that the representatives of US Bank carry out. I need a solution no later than 24 hours after you receive this communication through CFPB. 

Once again I request that the data of my account appear in the credit bureaus as an settlement should be reported : Condition : Paid-Close Current Balance : {$0.00} Status : Charge Off. Settled - less than full balance Nowhere should there appear something like derogatory or balance > XXXX ( XXXX ). these terms do not apply in a settlement. 


Regards, 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 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a car and Westlake was the finance company. I am XXXX XXXX and informed the finance company of this and was told there was no relief for me. I was lead to believe that repossession was my only alternative. They came and picked up the car XX/XX/2017. I have since found out that I was covered under the SMRA and should NOT have had my car repossessed. This is a violation of the federal law that protects military personnel. I have since tried to retrieve my car back without success and my credit has since been ruined. They have been unwilling to work with me to settle this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.

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 2018-04-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " Chase '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB about a month ago concerning XXXX XXXX XXXX. I was told that nothing could be done because you were unable to contact the company. Since then the collection agency that is attempting to collect on their behalf has now started reporting two accounts for the same debt. I did break the leas for this apartment, but only after I spoke to the manager at the time. I inquired on what it would cost me to terminate my lease early and was told if I could leave by a certain date and if the apartment ws clean and move in ready there would be no additional charges as they had a new tenant waiting for an apartment. I have tried to contact both the apartment and the collection agency to find out where they came up with this balance and they have continued to ignore me and have added on an additional account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern/ CFPB, I went to a local Chase bank where I had an account. I requested a money order either during XXXX or XXXX. The Chase bank branch manager assisted me with this. He then used cross sale tactics to get me to sign up for the Chase Freedom card.

He said if I link it to my checking account and I didn't have enough funds to finish a transaction, the charge would just go to my credit card. So, I agreed and went home. I never opted in or agreed to enroll in any overdraft program. I feel the tactics used by the branch manager was deceptive and an abusive practice. I relied on his oral disclosures and relied on him to act in my best interest but that was not the case as I was deceived.

I was never told about a {$10.00} fee for overdrafts linked to my credit card and I was certainly never told about being accessed {$34.00} overdraft fees for all other overdraft fees associated with my checking account. I have completed a review of my account and Chase has charged me thousands and thousands of dollars. 

Above, I am requesting to get my money back since we never opted in for these fees. 

I am requesting a formal review of my account along with a copy of the signed overdraft disclosures showing I agreed to opt in and a refund of all overdraft charges. I hope to receive a satisfactory response. 

I was advised to file a formal complaint with federal regulators, but have not gone that route yet. Please assist me with the review at your earliest convenience and feel free to contact me if you have any questions or concerns. All of your assistance is greatly appreciated. 

Contact Information/ Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ) XXXX personal cell Regards, XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 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:
XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report.

The account being transfer from XXXX XXXX XXXX to 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 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXXthrough today ( XX/XX/XXXX). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails,XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: GA

Complaint narrative:
I recently spoke with a Trans Union customer service agent in regards to 5 hard inquiries that were added to my report without my authorization. Last time I check my report was on XX/XX/XXXXand they were not there.

He never provided me options to eliminate these inquiries.

He are the ones I need to be eliminated : 1- Inquiry- XXXX - from XX/XX/XXXX 2- Inquiry-XXXX XXXX XXXX - from XX/XX/XXXX 3- Inquiry-XXXX XXXX - fromXX/XX/XXXX4- Inquiry-XXXX XXXX - fromXX/XX/XXXX 5- Inquiry-XXXX- fromXX/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 2018-04-05 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: Go Capital Holdings, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX  Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX  I have attached a copy of the report to this complaint.

Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.

I have never done business with either Go Financial or XXXX.

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 2018-04-05 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: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a loan with Prosper. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to XXXX, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at XXXX   and Prosper that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Prosper is also still reporting the account, even though I sent them everything legally required to have this blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I have a security freeze on my credit file. So does my wife. Whenever we try to lift our freeze temporarily we ALWAYS get the same warning " Were sorry there is a technical problem with our system ... .... '' We try to phone in and the automated telephone system doesn't work either. It only allows you to place a freeze on your credit, but you cant go through the automated system to lift it. You can't even talk to someone, you go through all the menus and you just go round and round hearing the same recordings over and over, and can never talk to someone in person. We need access to our credit and Experian is holding it hostage.

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 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or about XX/XX/2018 I met with a Chase banker, reviewed credit card options and selected a Chase Freedom card with rates offered at 17 %, 22 %, and 26 % depending on credit. I was granted a card but with a 26 % rate and refused/cancelled the card. 

I waited a month or so and this week applied again in person for the Chase Freedom unlimited card to see what would happen. I was given {$26000.00} of credit but still at the higher rates. I cancelled the card while at the bank. 

As someone with a FICO score of XXXX, a 30 year relationship with the issuing bank, etc. I concluded that these are worse than teaser rates in that I wasn't granted a low rate that kicked up but lured into a product based on false rate advertising. If only some minuscule percent of applicants can access a product benefit, then that benefit isn't real and shouldn't be offered. 

As a closing comment, I'm a XXXX XXXX and XXXX as a XXXX to XXXX XXXX XXXX on the XXXX of XXXX XXXX including XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. XXXX is a sponsor of this program and I will need to reach out to our national volunteer office to recommend changes to our materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.

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 2018-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX  and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX

Complaint narrative:
I received communication from XXXX XXXX about a debt from XXXX on XX/XX/18. I immediately called as they are not the first collection agency to contact me about this debt to inform them this is not my debt. I was unable to speak with anyone in debt about the account because my information didn't match the information they had on file. I explained that XXXX closed the account and was sued for collection attempts and as they were 100 % aware it was a fraud account and the debt is not mine, no signature, not the correct address and i was able to prove to them it was opened under fraud circumstances, etc so I have no clue why they sold a bad debt to them, The lady stated all they can do is cease communication nonetheless the account has appeared on my credit.

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 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have a checking account with Bank Of America. On XX/XX/XXXX, a wire transfer for {$2300.00} to a person that I don't know, under the name of XXXX XXXX, took place. On XX/XX/XXXX, a second wire worth {$2400.00} was wired to the same person. I DID NOT AUTHORIZED such transactions. I don't know that person. Those were fraudulent transactions and Bank of America failed to send me email Alerts to me alerting me about such fraudulent transactions that took place behind my back and were never authorized by me. As I never received email alerts, I couldn't react on time to halt or prevent the bank that my checking account was being hacked. 
I placed a complaint against Bank Of America, which denied my claimed, saying that I have authorized such transactions. On the cited days, I didn't receive text messages from BOA on my mobile, which means, I didn't program wire transfers on those days. I DID NOT AUTHORIZED SUCH TRANSACTIONS, AND BANK OF AMERICA FAILED TO SEND ME EMAIL ALERTS ABOUT SUCH FRAUDULENT TRANSACTIONS.

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