vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: JPMORGAN CHASE & CO.
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 2021-08-04 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
transunion is reporting unauthorized inquiries REASONS : Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Date FiledXXXX Type of Account : Finance, personal Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE Address:XXXX XXXX XXXX, XXXX , pa XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE AddressXXXX XXXX XXXX, XXXX, pa XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE Address:XXXX XXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate Account Name : XXXX XXXX  Date Filed:XXXX Type of Account : automotive AddressXXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address:XXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is  inaccurate Account Name XXXX XXXX XXXX Date Filed:XXXX Type of Account : bank AddressXXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate

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 2021-08-04 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA XX/XX/2015 Sold to XXXX XXXX XXXX Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
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 2021-08-04 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:
on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but experian and XXXX is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-08-04 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: FL

Complaint narrative:
on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but XXXX and transunion is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
I purchased a secured discover card, but discover refuses to activate it ( XXXX ) last four #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/21, my son use my mobile phone to purchase three games off XXXX XXXX. One was for {$110.00} and the other two are for {$69.00}. Capital One refunded {$110.00} but the other two charges they wouldn't refund. As all three of these charges weren't authorized by me and my son accidentally purchased them I would like the two charges for XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Nelnet, Inc.
State: IN

Complaint narrative:
I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by Nelnet Loan Services. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX XXXX and XXXX XXXX respectfully. Nelnet may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Please refer to Complaint ID XXXX and XXXX for further details. 
In the previous complaint, BBVA claimed that : XX/XX/XXXX : Notification was sent to the branch to request SSN and DL from the customer XX/XX/XXXX : Bank notified the customer After receving these feedback in late XXXX, I conducted interviews with two employees XXXX XXXX and XXXX, who were the recipients of the request. 

1. XXXX XXXX was out of office from XXXX and returned to office on XX/XX/XXXX. He was not aware of the email from credit card service until XX/XX/XXXX that the application was missing documents but it was too late by then. No communication was sent out on XX/XX/XXXX. He said XXXX was in CC. 

2. XXXX said she never contacted the customer and was not really aware of the email from credit card service. No communication was sent out on XX/XX/XXXX. 

According to the employees at the branch, no communication was sent out to the customer requesting DL and SSN on XX/XX/XXXX as BBVA claims. This implies BBVA did not conduct interviews with the employees and casts doubt on fabrication. Lastly BBVA needs to explain why Credit Card Service was not able to provide any further details or requests to the customer when 4 calls were made prior to XXXX requesting the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-04 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am using a PayPal account as a mode of payment for doing a buy and sell of XXXX XXXX. I did my first transaction and was waiting to receive the payment amounting to {$58.00} on XX/XX/2021, but my account was put on hold because they noticed that I'm a new PayPal seller. They had to review my account first and asked information about the transaction which I've provided them the details needed. On XX/XX/2021 my account has been restored. However on XX/XX/XXXX, after adding a debit card I immediately received an email saying that I can no longer do business with PayPal and my account was permanently banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XX/XX/2015 I borrowed {$2500.00} I paid off the debt as agreed to the original debtor ( Speedy Cash ) and the company never cleared the debt and they are now stating that I owe {$3400.00} I would like it to be cleared from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I deposited a {$2200.00} check to my checking account through the ATM of XXXX XXXX XXXX on XX/XX/XXXX. However, the fund availability delay was changed from XX/XX/XXXX to XX/XX/XXXX a week later. In the communications received from BB & T ( now Truist ), the Hold Type was Reasonable Cause to Doubt Collectability, and Description was Account Ownership Issue. 

Over the past few months, I have called several times and stopped by the branch- I believe I have proved the validity/collectability of the check deposited, with evidence from all parties involved. I have asked a representative from the payee company to call back as indicated. In addition, Im the owner of the business who was sending the check. Furthermore, the issuer of the check has confirmed the validity and suggests the bank to make the fund available instead of voiding the check, as it had already been deposited. Therefore, I believe the " Hold Type '' of " Reasonable Cause to Doubt Collectability '' and " Description '' with " Account Ownership Issue '' was no longer true. 

There is not ANY legal foundation in the Bank Services Agreement ( BSA ) or federal regulations suggesting that BB & T ( now Truist ) can hold the fund availability for XXXX years until XXXX. If there was genuine concern on the check, it should have been rejected in the first place, rather than accepting and withholding the availability, so that I can ask a new check to be resent. 

The fund has already been transferred successfully to BB & T ( now Truist ) and stayed there for XXXX months now, but I can not have access to the money. I have received neither reasonability nor sympathy from BB & T ( now Truist ), and have not even heard back from their Client Resolution Center since two weeks ago.

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 2021-08-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Last month I filed a complaint on XXXX XXXX  for illegally adding incorrect information to my Equifax report, causing my score to drop XXXX points. I also filed a complaint on Equifax for allowing this to happen twice, from the same company. Upon a successful investigation, Equifax found the company to be in the wrong, in which they sent me dispute results showing theyd be deleting the creditor XXXX from my credit report. I spoke with a few customer service agents to reassure that my credit report would be updatedraising my score back to where it was before XXXX was added to my credit report. They each informed me that once the monthly update occurs, Id see the deletion of XXXX and my score would go back up. I checked my report on XXXX, and theres been no change. I called to tell them that my score wasnt fixed, asking them why they would be dishonest about this serious situation. The representative I spoke with told me that she couldnt give me any answers as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
My mother in law passed away in XX/XX/XXXX. Her only income was Social Security for many years prior to her death.

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing.

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the SSA. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect.

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day PRA, LLC works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, PRA, LLC '' Really??? Life certainly happens but so does DEATH.

- I told them 2x she died in XX/XX/XXXX. 
- I requested they remove my address from their system. She never lived with us.

- I told them there was no estate.

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.

Company response to consumer: Closed with non-monetary relief