vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, Reported card stolen. did not receive a card untill XX/XX/XXXX. 
XX/XX/XXXX I read the one time use emergency cash, When I recieved the card, the remaining balance was XXXX Dollars. XXXX the customer relations claimed to file a claim giving me # XXXX and stated it would take up to 90 days,. I waited and nothing has come, I read the policy and asked for FDIC number and to make a claim they refued. 
I have received information the transactions were sent and cashed. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I called and attempted to speak to hierarchy and they have continued claim was on its way

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have been denied loans and credit cards, due to my credit report/history. XXXX XXXX XXXX reported the wrong amount to National Credit System for collections. I have reached out to the company and requested my lease for XXXX to prove I signed a six month lease and the ledger. I was only provided the ledger and was told someone would contact me regarding the lease. I have been waiting for a response since XX/XX/XXXX. 

In XXXX I moved into the property under a different owner and paid 2.5 of rent amount which was roughly {$2100.00}. ( XXXX ) for deposit amount. The property was sold to XXXX XXXX about 3 months into the lease agreement. Which caused my rent to increase to XXXX. My lease expired XX/XX/XXXX. I was experiencing a financial hardship and decided to request a month to month lease, which was denied. There for I was approved to sign a six month lease. 
However ; unforeseen circumstances took place and my family had to vacate the premises in XXXX which was within 4 months of that six month lease agreement. I discovered I was wrongfully charged the remainder of the year XXXX. I understand that I currently owe National Credit System a balance of XXXX including the month of XXXX and XXXX. My second concern is my full deposit amount of {$2100.00} which was not applied to the balance owed of {$4500.00}. 

Per XXXX XXXX XXXX my deposit amount was only XXXX and I owe XXXX after deducting the past due balance which is incorrect. The reported amount of {$6800.00} to National Credit System is not the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against JEFFERSON CAPITAL SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
I have successfully disputed an XXXX collection on XXXX XXXX from XXXX XXXX via XXXX. This account was removed however it is still reflected on the equifax system. This information is not being reported fairly by the credit breaues and I would like to file a complaint and start an investigation to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up with " XXXX XXXX XXXX '' last year to help consolidate my debt. I authorized payments in the amount of {$490.00} each month. They withdraw using a third party called " XXXX XXXX  ''. Those payment where to be disbursed to XXXX XXXX XXXX and XXXX on my behalf after a agreement was made. None of my payments have been used to make any payments on the account in there program. In fact XXXX XXXX is now showing " charged off '' on my credit and XXXX bank is suing me. Ive submitted all this information to Chase Bank and submitted documents supporting this claim. They say there is nothing they can do on there part cause this was a automatic withdraw and not a debt card purchase. 

Ive attached the charge off on my credit, the summons from XXXX for none payment, the XXXX  report showing this is happening to countless number of people, also providing where they state they have come to a settlement with XXXX XXXX for the amount of {$3600.00} which was supposedly paid in XXXX as was never paid. They are using " XXXX XXXX XXXX '' who is a real lawyer and using his information to pose as him. 

I need help please. They have collected {$6000.00} I need this money back so I can personally settle with XXXX before I'm suppose to be in court for none payment. 

XXXX XXXX XXXX : XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX, 2021 I attempted to transfer payment to a vendor that required payments via either XXXX, XXXX, or XXXX. Since my bank, Wells Fargo, has the XXXX XXXX on their online banking app, I utilized it to complete the transfer of {$290.00} as payment to the vendor. The vendor supplied me with the address and name required for the transfer and I was notified of a successful transaction. However, the vendor notified me that the funds were never deposited in his account. I immediately filed a claim to re-claim my {$290.00} using the phone number provided on the XXXX page of my online banking app. It is now XXXX XXXX, 2021 and after spending hours and days in non-productive phone conversations with both XXXX and Wells Fargo, I am no closer to re-claiming my money because neither of them are willing to accept any responsibility for the missing money. They have both informed me that they have closed the claim. The Bank says they did nothing wrong so it isn't their problem, and XXXX says since I used my online banking app it is the bank that is liable. However, recently, a notice appeared on my XXXX activity page that the name provided by the vendor is " not registered. '' This notification was not forthcoming until close to mid-XXXX. The vendor has re-verified that he never received the funds, and I, the customer, am now locked in a seemingly unsolvable Catch 22, apparently expected to just write off my {$290.00} with no recourse for recovery of 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 2021-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
The company is Navient. I am XXXX yrs old, my only income is social security. Paying them every month is a hardship for me but I am paying what I can. They don't accept this amount saying I owe them {$600.00} in back payments. They email me, they call multiple times everyday harassing me and I want them to stop. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet.i feel like im being taken advantage of. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
So I was going to get a puppy and this person and I contacted through XXXX. We made arrangements to get the puppy to me from California and I was supposed to get her this morning however, no contact from the person and now, I have been blocked. I paid {$650.00} and Chase ( my bank ) says that they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX  - Acct # XXXX Amt {$17000.00}

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 explanation
Consumer complaint received 2021-03-29 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: NV

Complaint narrative:
There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX  - Acct # XXXX Amt {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: NV

Complaint narrative:
There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX - Acct # XXXX Amt {$17000.00}

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 explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I had a complaint with a company called XXXX XXXX XXXX - Acct # XXXX that was collecting a debt on behalf of XXXX in the amount of {$2400.00}. They were sent a certified debt validation letter on XX/XX/XXXX to provide validation of debt in which they failed to provide the following documents : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

Due to the debt not being able to be validated they removed the collection from my credit reports. I now see a the same collection for XXXX with with a different collection agency " Diversified Adjustment Service , Inc. - Acct # XXXX '' collecting in the amount of {$2400.00}. This company was also send a debt validation letter on XX/XX/XXXX requesting them to provide the following documents above. The company proceeds to send me a bill and a lease agreement with and address in OHIO that is not affiliated with me nor belongs to me. I also included a police report to this company advising I have filed a fraud report and this debt does not belong to me. 

The documentation that was provided by not only XXXX XXXX XXXX ; but from Diversified Adjustment Service Inc. as well are entirely inaccurate and incomplete. I have no knowledge of this debt and this debt does not belong to me. Just as the previous company could not validate this debt and removed from credit report ; Diversified Adjustment Service Inc. should do the same as well as they are selling these debts to different agencies when they have failed to validate these debts in compliance of the FDCPA guidelines 15 U.S.C. 1692. 

I asked that if they could not validate my debt by providing the following documents within 15 days of this complaint they will need to remove from my credit reports or I reserve the right to sue their company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. I have also included proof of my signature which DOES NOT match with the same documentation sent to me by both XXXX XXXX XXXX and Diversified Adjustment Service Inc.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In 2017, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, Florida, and I told the sales man that I was in need of a car. I had a trade in. I told him the I was on XXXX XXXX  XXXX XXXX Insurance and I could not afford a new car. He told me that he had one for {$10000.00}. I agreed to the price, however, without my knowledge, the dealership added a {$10000.00} warranty maintenance agreement. I was struggling to pay the monthly payments ; also, when I discovered that the maintenance warranty was part of my payment, I returned the car because I did not know and was not informed of the maintenance agreement that was on the car.

I notified GM of the issue but they reported it to the credit bureau. I has kept my credit score low and I have been under a heavy financial interest payment. 

It was the fraudulent activity by the company that caused the problem and it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
On XX/XX/2021, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account immediately.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : XXXX  XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX ; and XXXX  XXXX. 
XXXX is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  XXXX ; XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 CA EDD deposited {$720.00} to my prepaid card and on the same day the money was withdrawn from an ATM in the city of XXXX, XXXX XXXX. That afternoon I called Bank Of America Prepaid Card, ( XXXX ) XXXX, and notified them of this fraud. I was told that a claim would be started ( XX/XX/21 ). The claim number that I was given is XXXX. I was advised that it would take about 10 to 12 day to be process. I was also ask to process a report with the police which I did the next day ( report number : XXXX ). I called the Bank Of America Prepaid Card ( XXXX ) XXXX on XX/XX/21 to let them know that I have the police report and that I was going to fax it over but I was told that my claim was closed and that they could not take any more information from me. I have called several time after that day and I was told that they would be sending an email to the " back '' so they can open the case again. I am not sure exactly what she meant by the " back '' but that was what I was told. I was also told several times by an agent that they are not responsible for the prepaid card.

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