vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
XXXX XXXX from a firm called XXXX called and informed me that she was contacting me in regards to an alleged debt that I owe to XXXX XXXX for some type of insurance debt that I allegedly owed XXXX XXXX. First off, my relationship with XXXX XXXX ended in 2019. Secondly, I paid on a monthly basis when I did do business with them. This predatory attempt to extract money from me has become harassing. This is what I told XXXX XXXX : This is to follow up on the formal dispute form that I thought was enclosed. All I see is a bogus bill from a company that I havent done business with in years. I have no relationship with XXXX XXXX and havent for years, as I have already explained. I will not be entertaining the idea that I have to do an audit for something that I dont have. Please cease all further communication with me, as it will be considered harassment. If any marks are placed on my credit for this fraudulent claim or any other action is taken by your firm or your client, I will pursue to the fullest extent of the law. I do not take my debts lightly, I am an honest small business owner and I pay all of my obligations on time. If this claim was valid, it would have been paid. 

This morning, another person from her firm called and threatened me with telling XXXX XXXX that I waived my rights. I do not owe XXXX XXXX any money. If they are upset that Im no longer a customer then they should have provided better customer service. At this point I feel harassed and threatened and do not deserve this treatment. I pay my bills and I am an honest man. I will be contacting legal representation to address this. I will not be threatened and bullied.

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 2021-11-18 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: Self Financial Inc.
State: NY

Complaint narrative:
I just recently tried to download a app & the app was to build credit. Its called Self. Now I downloaded this because I can not for some odd reason download or sign up for XXXX  wont allow me. So I figured I try out Self and tried to be responsible to build my credit as they say credit scores are pretty important. 

Theres apparently information that popped up when I typed in my last 4 SS # s. It states that in 2019 I took out a mortgage claim. Ironically I got a phone call around that time stating some bizarre claims but one of them was that my information has been compromised and it was some sort of bureau agency reaching out to me that if I dont state if it was me or not Im liable to charges or some sorts. I thought it was a all a prank call or some scammers but the odd part was they legitimately did have some sorts of my information which had me debating the legitimacy in all this. I ignored what they was saying after a while and believed it to be people doing fraudulent activities which I wanted no part in so I hung up. Now Im seeing theres a mortgage claim around the same time I got that weird phone call. And it says a different number hooked up to the account which isnt mine. I had the same phone number for about 20 years now maybe lol. No way its a mistake. None of that information is me is this why I cant open a XXXX account or a XXXX card? Help I need to start building credit asap not tomorrow like yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2021-11-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/ I accepted a car deal with XXXX XXXX XXXX XXXX and financial terms thru XXXX application.on XX/XX/ I received a hard inquiry from XXXX for the same loan.I called them to remove it they refused to.I never authorized this to run a loan or credit check

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 2021-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. XXXX XXXX BANK OF AMERICA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.

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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/2021 i found out that someone cloned my debit card and withdrawal on XX/XX/2021 {$700.00} from my checking account using ATM in 3 separate transaction while i was home all day on that day. they used my pin number as well which i memorize never wrote down anywhere. bluebird by American Express denied my claim twice even after submitting police report and fraud deceleration form. they stating there is no error found. i need help to get my stolen money back and stop those criminals from doing that to another consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a problem with chase and XXXX XXXX XXXX right now I made a payment arrangement for the date XX/XX/XXXX and it was approved from XXXX XXXX XXXX confirmation # XXXX for XXXX was confirmed and drafted and then refunded XXXX days later due to chase from what XXXX XXXX XXXX said. Then XX/XX/XXXX after i found out the payment failed i paid through the app again with the confirmation # XXXX for XXXX and this one went through. The second split payment for XXXX i paid and was given a confirmation # XXXX on XX/XX/XXXX then i was once again called on theXX/XX/XXXX sayin it once again failed when i have money in my account. After this i called and i talked to XXXX from XXXX XXXX on the XX/XX/XXXX and she said the there was no declines in the account which was the second suspicious thing from this then thirdly I was called this morningXX/XX/XXXXby XXXX & XXXX and they asked if I could pay and i told them im not making another payment until I find out what is going on with my account and said I was making a complaint to the consumer finance division. She then said that the payment was coming from an account that was closed 3 months ago, when i look in the app underneath payment methods the only payment method was my Chase business card ending in XXXX. I just want to know what it going on with my account and my money and where it is at..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
On XX/XX/2021, several transactions occurred involving my debit/ATM card. There were XXXX charges using the debit card at various XXXX and XXXX ATM withdrawals from Chase branches XXXX All of these took place in cities/towns distant from where I was working at the time. Chase notified me that there was suspicious activity on that same afternoon and I immediately responded asking that the card be XXXX. My Debit/ATM card was in my possession the entire time. Whatever was used during the transactions had to be a fake card. The next morning I notified the XXXX XXXX Police Department ( XXXX # XXXX ). There is a related case ( # XXXX ) with the XXXX XXXX XXXX XXXX 

The total amount of the fraudulent charges was {$2400.00} and an additional {$4000.00} was taken from the Chase ATMs. Initially Chase refunded the entire {$6400.00} to my account, but then they reversed themselves saying that the charges were not fraudulent, but that they were authorized. I have repeatedly contacted the bank in many different ways to explain that the charges were not legitimate. I have presented documentation that at the time the events took place, I was in a secure facility an hour XXXXs drive away. I showed a long pattern of use of the card. In addition the police requested and received a subpoena for video surveillance data from the Chase branches. Chase has replied that they can not produce the video evidence. Even though I have multiple accounts with the bank and have been a customer in good standing for many years, Chase refuses to consider the additional information insisting that the card could not have been cloned. There are many references showing that it is possible to fake an ATM card. 

In summary, through no fault of my own, improper, fraudulent charges were made against my account. Yet the bank refuses to acknowledge this. As an account holder, I have no leverage to get Chase to fairly consider all of the facts and take the proper action. Can the CFPB help me get this issue resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My name is XXXX XXXX I bank with citi bank and they told me they would close my account due to fraud but there isnt any fraud transactions on my account and they are still accepting deposits from the government in my account but I cant access it at all not even to transfer it out of my account or anything I have. Two months worth of government funds just being held in my savings account and I asked for them to go ahead and close it its going on 3 months my month just been sitting there and I cant touch it I will be filing a lawsuit 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 explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Date of Birth : 1985

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: GA

Complaint narrative:
On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. Equifax has completed XXXX disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. XXXX has not opened a dispute or responded to any request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: OneMain Finance Corporation
State: LA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NC

Complaint narrative:
XXXX  XXXX and XXXX XXXX accounts do 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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
we tried closing an account with Chase credit card in XXXX. We paid off the balance they said we owed. They did not close the account. Automatic donation payments continued to be withdrawn. Chase then stoped sending paper statements. Chase never notified us of the change to electronic billing. WE CALLED TO DISPUTE the additional charges and asked again that the account be closed. We simply got the run around. T that point we hired an attorney. She wrote two letters ; one on XX/XX/XXXX, the other on XX/XX/XXXX. Chase never responded to her. To reiterate, Chase has been uncooperative and unresponsive with this disputed claim. They send my statements to my attorney in such a manner that they arrive at her office just before they become past due. Yesterday our attorney resigned and told us to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XX/XX/XXXX I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX  XXXX {$1300.00} XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Dear officer, I am filing this complain for my US Bank Altitude Reserve card {$400.00} annual fee reimbursement. I called them last month to cancel this card and I was told I would be reimbursed for that annual fee at the following billing statement, and I need to call their customer service to get that {$400.00} credit to my bank checking account or to be sent a check to my house. But today when I logged into my account I can't even see that credit card account. And when I called the customer service they seem like have no clue for this {$400.00}. And right now I feel so helpless since I don't have access to my card nor account information. The physical card was also sent back to US bank as their requested.

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 2021-11-18 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: NC

Complaint narrative:
XXXX XXXX and XXXX XXXX accounts are not my accounts

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 2021-11-18 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: NC

Complaint narrative:
XXXX XXXX and XXXX XXXX accounts are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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