vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
I had over {$13000.00} stolen from my account by an employee who had taken several checkbooks without my knowledge and wrote himself checks and forged my signature. Because I didn't catch the fraud within 30 days, the bank is refusing to cover the stolen checks. Many of the checks were cashed at the bank itself over a span of over 2 months. I find it ridiculous that if it is caught within 30 days you are fully reimbursed, but if it's over 30 days, you are reimbursed nothing.

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 2020-12-01 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: FL

Complaint narrative:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-12-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXX and XX/XX/XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from Experian or XX/XX/XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian and XX/XX/XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

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 2020-12-01 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XXXX XXXX, XX/XX/XXXXPORTFOLIO RECOVERY add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them. The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In XXXX I received a XX/XX/XXXX notification that my credit score dropped over 100 pts. 
I discovered that a credit card with XX/XX/XXXXCitibank was opened fraudulently. I called the company in XXXX after placing disputes through XX/XX/XXXX. 
Citibank told me they sent my account to fraud. The account was closed a couple months later, after my score dropped even lower. 
Today XX/XX/2020, I called citibank again because my credit score is still in the low XXXX, when it was previously high XXXX. The agent today told me that my account was never sent to fraud, and that it was only closed. I asked for him to send my account to fraud. 
I calledXX/XX/XXXXand they advised me to send the fraud report to FTC so that I can receive a letter to send to them to further investigate the fraud.

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 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
This company has added 15 collections to my credit report in less than a month. I was in the process of getting a mortgage, and can no longer qualify for the lowest interest rates, since my credit score dropped 100 points. The debts do not belong to me. I have never been to a doctor, or hospital. I have even reached out to the original debt company, and they stated they have no records of mine. Ive asked this debt collector to provide me with any paperwork, in writing, but they refuse. They ask for me to call in. It seems to me like they have me confused with someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXXand XX/XX/XXXX XXXX on XXXX. I have not received a response from Experian about these disputes and therefore I filed a complaint through the CFPB against Experian for not responding to my request for a reinvestigation. This complaint was filed on XXXX. Unfortunately, my Federal Rights are still being violated as I write this ... Experian has truly failed to respond to my requests. I will now be filing a formal complaint with the FTC against Experian due to their negligence and flagrant disregard of their duty. I am truly disappointed with Experian 's behavior and I am appalled that during such a time as this that they would be allowed to willfully violate my rights and not process my reinvestigation. They told me in their response : " We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free '' So if I am telling Experian that information in my report is not complete or accurate or is not a valid claim and Experian says that they are supposed to investigate a claim if the claim is provided by the consumer ( which is me ) then why is Experian not doing what they said they are required to do? This is truly what America has come to ... big corporations being able to pick and choose who they help and who they don't regardless of the Federal Laws that are set in place to help protect the us.

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 2020-12-01 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: FL

Complaint narrative:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-12-01 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: FL

Complaint narrative:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received edd card on XX/XX/2020 and atm ate the card on XX/XX/2020. Ive reached out and the account got a hold. I was never given a reason why my card was taken to begin with. Ive contacted Bank of America through customer care, done a customer care contact form, emailed govandcorp@prepaidcard.bankofamerica.com, visit Bank of America on twitter and still nothing has come of it. As a direct result of this I have been evicted and I wish to settle this once and for all.

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 2020-12-01 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: FL

Complaint narrative:
I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.

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 2020-12-01 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: FL

Complaint narrative:
I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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/2020, My debit card from XXXX by Bank of America was declined, when I checked on the Bank of America app I noticed that there were 3 ATM withdrawals on XXXX and XX/XX/2020 each for {$1000.00} from my account and bank suspended the account after that. 
I called the bank on XX/XX/2020 @ XXXX and told them, that I have my debit card and how they take money from my account, they said you have to make a complain tomorrow since it is Sunday and they close now. I called Monday morning @ XXXX, and after 1 hour and 37 minutes finally someone answered and after so many questions they transferred me again it took 45 minutes to contact to someone else, again question and transfer again till after 3 hours and 34 minutes I filled a complain. On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed, so I called again and after almost 2 hours someone answered and she said that you have to write a letter and request to reopen my claim and request to get the ATM camera footage. So I mailed and faxed the request on XX/XX/2020. And I waited till XXXX XX/XX/XXXX called to find about the status of the claim and after 1 hour and 47 minutes on hold finally someone answered and she said that because you didnt ask for escalation your claim is not active, so again transferred me to someone else and after 45 minutes on hold finally they made another complain # for me and said I have to wait. And I called after 3 weeks on XXXX XX/XX/XXXX and again I was on hold for 2 hours the lady said you have to wait, it might takes to 3 months for answer, and when I asked about the hold time on phone, she said our answering service is in XX/XX/XXXX and since you are in XX/XX/XXXX its better to call at 5 in the morning before we get busy, since we have lots of complains and not much people to work. So I called again on XX/XX/XXXX at XXXX XXXX, it takes 25 minutes to talk to someone, and still they said I have to wait, and since I told her about my situation, and that this XX/XX/XXXX money is my only source of income and itd XX/XX/XXXX times, and I have bills to pay, she filed a hardships note on my claim. 
Today is the first of XXXX, and I am still out of my money and I dont trust Bank of America.

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 2020-12-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Fraudulent checks were cashed and paid out by my bank ( Chase ) that were intended to pay personal bills. The original check was dated XX/XX/2019 in the amount of {$250.00} intended for XXXX XXXX XXXX. Chase paid out of my personal checking account a check dated XX/XX/2019 in the amount of {$4900.00} to a person believed to have stolen the checks out of the mailbox. Another check was also forged and altered to payout to the same individual to the amount of around {$2000.00}. This charge was refunded by the bank. The first and larger check has not been refunded to this date. 

I have visited the local branch numerous times and have started claims with them multiple times that end no where. I have contacted the bank by phone multiple times regarding the ongoing case and have received very little help other than to wait longer and that the bank will get in contact with me. I have documented proof of all paperwork filed, signed, notarized that was sent to the bank, as well as copies of the fraudulent checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.

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 2020-12-01 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:
I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX of this year, we purchased a XXXX travel trailer believing it had a clear title. After completing paperwork, paying {$780.00} registration, and waiting a very long time, the DMV finally informed us that US Bank NA had a lien on the trailer. 

Working with the dealer and the daughter of the original owners ( One of the original owners is deceased and the other is in ill health and cared for by her daughter. ), we have been trying to secure the lien release since XX/XX/XXXX. 

It appears that US Bank can not find record of the original loan. On XXXX, after many calls, the bank finally asked for evidence that there was a lien. That same day we faxed the incomplete registration form stating that A LIEN SATISFIED IS REQUIRED FROM US BK NA along with Application for Duplicate or Paperless Title, and bill of sale ( both signed by the owner ), the last renewal notice from DMV and a letter I sent to the original owner.

US Bank gave no response. I called again XXXX and was told to email the same information I faxed in XXXX, which I did. After assurances that I would hear something in a few days, no communication came. 

My husband and I are retired and have put over {$11000.00} into the trailer, a trailer that we can not use or sell. All parties involved in this sale have spent time trying to secure this lien release. Obviously, my husband and I should never have purchased the trailer without a pink slip. However, it seems that the Bank has an obligation to resolve this issue especially since the family of the original owners have also requested the release.

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have multiple charges I have made complaints on from the very beginning there were multiple charges from XXXX XXXX and airline charges. I was in another state when all these charges started money was taken out of my account and I didnt even have access to my card. I made multiple complaints some charges are out of this country they still have not credited me they sent me a letter stating that they credited me but I still yet have been waiting for the money back. I would like my charges to be investigated since my identification has been abused requests for loans are under my name I already payed one off I do not have the money to repay everything these criminals have done with my finances.

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 2020-12-01 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: GA

Complaint narrative:
I submitted Identity Theft affidavits and police reports on XX/XX/2020 ... .I have never filed Bankruptcy or had any of the accounts listed in the following attached documents ... Clerk of courts even stated that they haven't supplied any such information to either of the 3 bureaus. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-12-01 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have filed a dispute regarding incorrect information on my credit report. It has been well over 30 day and I have not received any investigation results.

Company response to consumer: Closed with explanation