vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This situation began in XXXX  when I was living in the XXXX XXXX. My parents in the United States received a call from XXXX XXXX XXXX claiming I owed a debt. I contacted them, and after a very frustrating call in which I explained I did not have an account with them and wasn't in the country- so could not legally have been given any US debt, I formally requested proof of the debt including signed contracts, original amount of debt, any payments made and interest and other charges. I never received any information from them. A year later my parents received a letter, I went through the same process, but no proof of debt was provided. The debt has moved from XXXX to various collectors, the most recent being XXXX XXXX XXXX XXXXXXXX XXXX and now Portfolio Recovery Associates LLC. 

Each time I request proof of the debt, I don't receive any. And usually the debt gets sold to another collector. 

What can be done about this? Can random companies continue to profit from selling fraudulent debt claims- when they realise they are uncollectible and can not result in profit to them? Is there any recourse for me, having to go through this situation over and over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is not mine and I'm a victim of identify theft. I reported this account was unauthorized on XX/XX/2020, The Creditor has stated that the account was authorized and closed the account. This account has been paid for due for the sake of my credit report. This Merchant has reported this account delinquent on my Experian

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am writing to file a formal complaint against Discover regarding their mishandling of my identity theft claim. 
Despite providing evidence of fraudulent charges on my account and filing multiple disputes with Discover 's fraud investigation department, my claim was unjustly denied. This denial has had severe repercussions on my credit standing and financial well-being. 
The crux of the issue lies in Discover 's disregard for the fact that my phone, through which the fraudulent charges were made, was stolen. To rectify the situation, I took immediate action by changing my phone number, email address, and other contact information associated with my Discover card. 
However, Discover failed to acknowledge these changes and instead attempted to contact me through the old, stolen phone number, thus impeding their ability to reach me regarding this matter. 
Furthermore, Discover 's claim that I paid for the charges is baseless and unfair. It is common knowledge that failing to pay credit card balances would result in the closure of my account. This does not justify denying my claim, as it is evident that the charges in question were fraudulent and unrelated to my legitimate financial activities. 

In efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone & other property, as well as evidence that clearly demonstrates the fraudulent nature of the charges. Despite these measures, Discover failed to conduct a thorough investigation into my case until XXXX, even though it was initially promised for XXXX, XXXX & XXXX. In the meantime, I have been burdened with recharging for the fraudulent charges that I had already paid while awaiting the completion of the original investigation. This ongoing situation is significantly impacting my credit and causing further financial distress. 
Thank you for your attention to this matter. I look forward to a swift resolution and fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Bankruptcy account was closed and paid still showing open, please remove

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the Capital One credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/2023 I contacted Collection Management Company about a XXXX accounts that Are reporting negative on my credit profile. I asked the company rep to help me understand the Credit extension that I obtained from them and what services that was performed by them for me. I don't recognize or remember having a contract with them. I also informed them that my rights per Fair Credit Reporting Act was being violated and hurting my credit rating. I also asked them to remove these reporting accounts from my credit profile.Also to VALIDATE THE DEBT Per.15 U.S.C 1681 Method of Verification Law. I also asked the company to provide the copy of my original invoice or receipt with my signature. I also requested a Itemized bill with every single charge from the original contract.I also notified them about that if the following accounts : XXXX. Collection Management Company Account number # XXXX XXXX {$970.00} opened on XX/XX/2023 XXXX. Collection Management Company Account XXXX # XXXX XXXX XXXX opened on XX/XX/2023 XXXX. Collection Management Company Account Number # XXXX Balance XXXX wasn't removed I would Report it here to the Cfpb and also state that these reporting accounts also wasnt following metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
On XX/XX/2023 me and my wife, XXXX XXXX, opened a joint checkings and savings account with Chase at the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. 

After opening our accounts, we deposited a majority of our cash and checks ( our wedding gifts ) in the ATM inside the branch with the banker, XXXX XXXX, as per his instructions. The ATM had an error and temporarily displayed a deposit of {$13000.00}. It spit out the checks we had deposited in the ATM, but none of the cash. We deposited the checks with the bank teller, so we were only missing the cash at this point. 

Our banker, then opened a claim for us right away for {$13000.00}. At home, we determined that missing cash amount was {$9700.00}. 

Chase gave us a temporary credit of {$13000.00}. 
Weve now received a letter from Chase that they were unable to locate the missing funds and will be removing {$11000.00} from our account. 

Via telephone call our banker, XXXX, confirmed that only $ XXXX {$4000.00} should be removed from our account, however the Chase claims department has continued to inform me that the full {$11000.00} will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank closed my new small business account without notice, claiming suspicious activity. I explained that it is a new business in the education field, and all charges are legitimate. They have not released the full balance, and have been sending me small checks each month for the past three months. 
They finally requested 12 parent customer contact info in XXXX in secure email and I sent them right away in the same day but they said they did not receive and then i send again last week those 12 parent contact info. 

One of my parent reach me and told me chase bank call him and ask about the charges. He told them its legitimate charge for his kids receiving tutoring services in our center. I will attached this email to you. Bank told him its not the proper way for ach charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the Navy Federal Credit Union crediXXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to get a refund for an account I lost access to and was being charged {$25.00} a month. 
I have been charged {$420.00} in fees and have not been able to access nor close this account. In XX/XX/2022 I tried unsuccessfully to get the fees reversed and gain access to the account by going in person. I continued to get charged {$25.00} a month and did not get the fees from XXXX resolved. 

I went into the office yesterday to talk to XXXX. She said she couldn't close the account and I would need another appointment and to return the next day. 
Today I spent an hour at the XXXX office talking to XXXX XXXX who said she couldn't " reverse fees even after talking to XXXX and Checking on the phone. I was then told by XXXX to escalate to you. They helped change the account to avoid fees and get a debit card to get access. I was told that I couldn't close the account if I wanted to get refunds though this practice had been used prior to extracting further funds. 

I would like to get my money back and stop being charged fees. I did not know how this process started but I believe it's related to an XXXX account. As such I am trying to settle this through Bank of America but will likely file complaints to regulators and the attorney general about my banking. For obstructing the closure of accounts and charging fees suddenly without consent and not allowing me to get funds out. 

This has gone on for many years now and I have never had this before except with XXXX XXXX and an XXXX account that the reverse course on promptly after filing. They also stopped opening accounts randomly.

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 2023-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
In XXXX, I purchased my first vehicle. A few months after buying the car I had an unexpected job loss and was no longer able to make payments. I contacted the company in attempt to resolve the matter or come to an agreement. I attempted to voluntarily return the vehicle to the company but was misinformed by them, who claimed that voluntary repossession was not an option. Despite this, I willingly returned the car to the company, who then claimed on my credit that it was an involuntary repossession. At the time I did not know my rights and I did not understand that they were making false remarks on my credit. Later that same year, I attempted to contact the company to try and settle the account. Unfortunately, the amount they were willing to settle was outside of what I could afford and I was unable to settle the account at that time. Now, in XX/XX/XXXX I was finally able to contact the company to settle the account. I immediately paid the agreed upon amount the same day I contacted the company. The company assured me over the phone that the account was settled and closed and that this would be reflected on my credit and I would receive a letter in the mail as well. About a week or so later I received the letter in the mail stating the account was settled in full and that the lien was released. In early XX/XX/XXXX my credit score increased, reflecting the paid off debt. Then shortly after this, I received notification that remarks have been changed on my credit indicating that the debt is still owed and that the account with them is not settled which drastically reduced my credit again by XXXX points. I am highly confused by this, as I have the documentation showing the account was settled and I have always done what I could to respectfully communicate with this company and attempt to resolve the matter. I attempted to dispute the remarks with both XXXX and XXXX but they are claiming the company is " verifying '' the information which further shows that after I settled this account the company is still attempting to harm my credit for, seemingly no reason. I do not understand this concept that appears to be common with debt collection agencies to further harm people who have already experienced financial downfalls. Especially when the consumers make all attempts to communicate and resolve matters. This company has been paid and gains no further benefit by changing and adding remarks to my credit to further harm my financial independence. I have attached documentation showing that the company has been changing remarks after the date they were paid.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XXXX shows a 30 day and a XXXX delinquent statement when there is no account reporting that. I asked them to tell me what account is reporting that and all I get is a run around answer.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had fraud on my account called the bank and reported the fraud so they turn my card off. Sent me a new one now I never got a temporary credit and even if I did I had no way of spending it because I did not have a card on the XXXX I checked my account and saw that I was - {$1200.00} day tells me that oh a credit was made to your account a temporary credit for the money that was stolen out of my account, but there was never a temporary credit and they will not give me any proof to show they put it into my account. It doesnt even show on my on my online banking so now I have someone who stole my card and stole {$1200.00} and now Wells Fargo claiming that they credit me and did not and now theyre charging me {$1200.00} and XXXX. They stole my paycheck that was direct deposit, and literally making my life in shambles. They also claim to deny my claim.

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