vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I, XXXX XXXX has never owned an account with XXXX XXXX. The account on my consumer report on EarlyWarningSolutions states I had an account with XXXX, it has my name on it with no personal details correlating with my personal details. I believe this is a computer error or personally not my own account. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The majority of personal information on my report from earlywarning solutions is incorrect. The following email XXXX ' ( XX/XX/XXXX ) is not mine. My birthdate is not XXXX XXXX XXXX ( XX/XX/XXXX ) '. My birthdate is not XXXX XXXX, XXXX ( XX/XX/XXXX ) '. My previous address was not XXXX XXXX XXXX XXXX XXXX XXXX XXXX '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I, XXXX XXXX has never had a checking account with XXXX. The account in question was opened in my name XX/XX/2017, opened for one month then closed reason unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I, XXXX XXXX closed a checking account from XXXX XXXX in 2017 with no pending charges or balance. On the consumer report from EarlyWarningSolutions the account reported as Unpaid and states a principle loss of {$15.00} which the bank directly can not confirm this charge. On the consumer report also states a fee reversal of {$370.00} which is incorrect or invalid. Contribution Ref # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, my U.S bank cash plus credit card was hacked and used to purchase things from " XXXX '' from XXXX which I never heard or known of for total of XXXX . I contact U.S bank on XX/XX/XXXX to report fraud, US bank representative helped report to fraud department and lock the card for me and send me the new one. U.S has put provisional credit for the amount I have been stole. However, on the next couple days, I checked back my account and I saw U.S bank has reversed all of the credit they gave me and now I have a balance of XXXX XXXX My account balance was XXXX before the incident. I called U.S fraud specialist name is XXXX and she told me that she does not think it is fraud and she told me to investigate on my end. This is very frustrating for me and depressed. I contacted the merchant by XXXX and email them. They even said " you may have stolen credit card information '' and they told me to contact the issuing bank. Here are the following charges on the account that are not authorized, these are not included the foreign fee they are included for each transaction : XX/XX/2021 - {$210.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$520.00} XX/XX/2021 - {$340.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$130.00} XX/XX/2021 - {$560.00} XX/XX/2021 - {$640.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$600.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$540.00} XX/XX/2021 - {$120.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$300.00}

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated Under 15 USC code 1681 b Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I demand that transunion stop reporting XXXX on my consumer report. I XXXX XXXX do not give Transunion any written consent to report this information

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 2021-04-20 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: FC HoldCo LLC
State: TX

Complaint narrative:
I have called flagship and have not received a straight answer as to why my account shows 90 days past due. Shows my last payment to be XX/XX/XXXX. I have filed disputes with transunion. I filed a complaint with the BBB and my account was current for a week and then it was reported back to 90 days past due. These past due payments are affecting my credit score. I have been making payments and Im actually payed ahead by about {$200.00} dollars. I continue to file disputes and nothing changes and I dont know why? If you look at the payment history nothing for XXXX is updated.

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 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
I have been fighting identity theft since the day I turned 18 years of age, and it's almost a nightmare that never stops recurring. Since I was 18 years old I have had all three credit companies flag me for identity theft due to being a victim. I can not file income taxes online because I have to get an IP pin addressed to me every year that goes straight to the IRS headquarters in Texas. XXXX XXXX XXXX has recently placed two collections against me and on my credit report, one of which being for XXXX XXXX in the amount of XXXX $ and the other being XXXX XXXX in the amount of XXXX . Neither of these accounts belong to me nor have they ever been mine, I have been a XXXX XXXX subscriber since I was 18 years of age and have had the same phone number since I was 18 years of age, with no late or past due payments to this very date in time. I'm requesting complete removal and deletion for these two listed accounts as they are both fraud. 

My step-mother has been placed in jail on three different occasions for using my identity before finally getting a credit freeze placed on my account along with the IRS freezing my social and requiring a paper w2 to be mailed in leading to further my struggle in life because I have yet to receive one stimulus check because my identity can not be verified. This is absurd. 

Thank you for your understanding, this is a very hard day and age we live in. I didn't know being a victim of identity theft would haunt me for what seems like forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CA

Complaint narrative:
Someone somehow get the log in information from my email and checking account. This person log in my Chase checking account on XX/XX/2021 and deleted my cell phone number and added this person number to my account online. This person tried many wire transfers on XXXX XXXX but they were cancelled by Chase. However, Chase allowed a wire transfer of {$30000.00} to XXXX on XXXX XXXX and this person tried two more but the account was locked due to unusual activities. On XX/XX/2021 I logged in my checking account and found out it was locked. I called Chase to know why and they asked if I transferred {$70000.00} from Saving to Checking and wire transferred {$30000.00}, I said I did not and they transferred me to Fraud Department to look at this problem as I realized my email and Chase accounts already hacked. Chase already knew something unusual activities from my account by changing phone number to a number in Texas and many attempts of wire transfers but they allow hacker to take out {$30000.00} from my account without security checks. I reported unauthorized wire transfer on XXXX XXXX and submitted a sworn statement to Chase via mail but until today, I called and they said it takes at least a month to investigate. I wonder why it takes so long to take action to recover stolen money and it's not small, XXXX is nearly my yearly income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have several open instantly closed accounts from XXXX. I personally have never opened an account myself and do not believe these are accurate information. Account XXXX and XXXX both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
1. XXXX claims to have taken off all of the outdated addresses I requested. The following remains on my report after repeated requests and their repeated claims to have removed it : XXXX XXXX XXXX XXXX, XXXX XXXX, CA. See attached page from my actual credit report ran XX/XX/21. 

2. Sequium and XXXX have both failed to resolve the issues with accurately reporting this item on my report. Therefore I am requesting it be removed permanently from my report per the FCRA law concerning inaccurate items that fail to be corrected. See attached page from my actual credit report ran XX/XX/21. 

It is my legal right to request this item be removed from my credit report since neither company has the ability to read and compare basic information provided to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a product from XXXX back in XX/XX/XXXX and the product involved is a bed frame and it came with 5 years of warranty so i contacted the seller and he asked me that Ill get a replacement. Inspite me being provided the seller with my updated address, they shipped it to wrong address. After contacting the sller about it, he said Ill get my refund back. So they processed with the refund on XXXX XX/XX/XXXX in a debit card which i used at the time of purchase ending in XXXX with bank of america and i dont have that card with me anymore as i got a replacement card. I contacted back several times and they were not able to help me. I even disputed the original transaction as suggested by XXXX, the bank refused to do that as well. When i contact the XXXX they said it has been processed and i had a call today involving Bank and XXXX again it didnt get any settlement. And bank suggested me to contact you for the help. Its of XXXX dollars transaction and I confirmed by checking my banks statements that I purchased it from the same bank and the debit card i have with them and the transaction reflects in my XX/XX/XXXX statement. Please help me in getting my refund back as bank and XXXX are not able to help

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 2021-04-20 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: DISCOVER BANK
State: IL

Complaint narrative:
I own a Discover credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the Discover and explained that I was never notified of non payment/late payment due to not being contacted by Discover via e-mail, phone, or postal mail. I was told by a Discover supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to Discover credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and Discover allowing 60 day late payment before reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
so wells farro credit card closed my account and they didn't tell me whats the reason for them closing the account and my account was in good standing and i've had the account for over 1 year so they never told me why they closed my account so them closing my account ruined my credit as well

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 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hello There's a debt collection company, " Account Resolution Services '' The collection agency is violating State Licensing Requirements ( FLA. ) They have also reported a debt on my record that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I dont use the account often but I had an insurance payment issued into it so that it would be safe and saved for a new car when I was ready then when I finally was ready I went to withdraw the money and found it had been stolen and someone made a {$5000.00} withdrawal and a few other purchases with my card I still dont understand how because I still have my debit card but I reported it and the bank Denied it once saying that I had to prove myself innocent but how do I prove myself innocent Im a victim of fraud not a criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: IL

Complaint narrative:
I own a XXXX credit card with an authorized user. My e-mail address was changed on the website without my permission. The authorized user made a payment that came back. Without my knowledge the account was marked 30 Days late on my credit report. I contacted the XXXX and explained that I was never notified of non payment/late payment due to not being contacted by XXXX via e-mail, phone, or postal mail. I was told by a XXXX supervisor that they only report to credit bureaus after 60 days late. XXXX from XXXX was very kind and promised she was send the information over to XXXX credit reporting stating it should not have been reported as it was a one time mistake and I was not informed. Had I known I wouldve been happy to make a payment. I disputed with the credit bureaus and it was not deleted. I explained that my email was fraudulently changed and was told by other supervisors nothing could be done. I was hopeful that it would be removed off of my credit based upon fraud and XXXX allowing 60 day late payment before reporting it.

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 2021-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im having problem to get my Experian credit score, also Im victim identity theft and fraud. XXXX XXXX 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
Consumer complaint received 2021-04-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!

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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. PRA continues to report that the DoFD is anywhere from 2015 to 2016 depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the seven year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even one payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TX

Complaint narrative:
I am a victim of Identity theft. I have provided ( Experian ) with copies of my United States issued photo, social security card, FTC report, Fraud Affidavit as well as police report. Requesting for Fraudulent accounts to be Blocked, from my credit profile. Instead of Experian honoring my request under the " Fair Credit Act for victims of identity theft, they process my request as a dispute without verifying my identity with the associated 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 2021-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. AMERICAN HONDA FINANCE # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation