vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: TX

Complaint narrative:
A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

XXXX and Transunion are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB : I have a Chase XXXX Credit Card with the last four digits - XXXX - for more than 6 years. On XXXX XXXX, 2021, I found that there were 8 unauthorized transactions on this XXXX credit card XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. 


XX/XX/2021 {$11.00} at XXXX XXXX XXXX XX/XX/2021 {$130.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$1200.00} at XXXX XXXX XXXX # XXXX XX/XX/2021 {$12.00} at XXXX XXXX XX/XX/2021 {$21.00} at XXXX XXXX  XX/XX/2021 {$14.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$3.00} at XXXX XXXX XX/XX/2021 {$1.00} at XXXX XXXX On XXXX XXXX, I informed Chase Customer Service about the credit card fraud issue XXXX Actually, I didn't lose my physical XXXX credit card. It is always on hand. So I wondered why there were 8 fraudulent charges on my Chase card. The Chase Customer Service did not give me any reason about how the 8 unauthorized transactions happened, although they helped me dispute those charges and sent me a replacement card with the different last four digit. On XXXX, I learned that Chase was figuring out the product change from the " XXXX Credit Card '' to " The XXXX XXXX XXXXXXXX Card ''. So they sent me a new XXXX XXXX of XXXX XXXX XXXX the last 4 digits are still XXXX ) on XXXX. I am definitely sure that someone stole/picked up my delivered package including the XXXX XXXX of XXXX XXXX XXXX XXXX ) and used it to go shopping. However, I didn't receive it and activate it. 

On XX/XX/2021, I received a notice letter about my credit card issue from the Chase fraud department. Except for one transaction on XXXX XXXX, I am responsible for 7 other transactions. I called the Chase Customer Service and Chae Fraud Department to let them that the XXXX transactions are unauthorized by me. It is not reasonable that I am responsible for the 7 unauthorized transactions. My reasons are as follows. 
XXXX ) The Chase bank mailed me a new credit card. But I was not informed in advance. 

XXXX ) I did not receive the new " The XXXX of XXXX XXXX ''. I did not activate it. I wondered why someone can use an inactivated credit card. Recently, I just learned that any new replacement credit card issued from Chase can be used directly without being activated. I would say that this is a serious defect of Chase credit cards about the fraud protection. 

XXXX ) According to the investigation notice letter, a 11.22 dollar charge on XXXX XXXX XXXX XXXX XX/XX/2021 ) is determined as an unauthorized transaction. I wonder why 7 other charges ( XXXX ) are completely my responsibility. 

XXXX ) I only received one fraud alert message for one unauthorized transaction. 

The attachment file includes a statement with the 8 unauthorized transactions and the notice letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX is reporting an account on my Experian credit report that is not reporting on my XXXX or XXXX  credit reports. This account is negatively affecting my credit score I have requested Experian to remove this account several times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
I received a collections letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

XXXX sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( Xoom ) and told them as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: GA

Complaint narrative:
So I filled out loan app on internet to find a lender. These people called me ( XXXX ) XXXX XXXX saying I was approved for {$20000.00} loan. Did the whole process account number and routing. Then they said since my credit was low I'd need insurance to make accounting dept Feels better about giving me loan. I said I can't pay for that obviously I need money not have money. They said no we're not asking you to. We are going to wire it to you tonight {$920.00} and you send back in morning and then you'll be insured and we'll wire you loan. They sent it in the morning they started calling me at XXXX. Saying if you want loan just go get XXXX gift cards and take picture and send to phone number. Hurry so we can get you your loan money today. I did.. its their money I figure right. They call me back and say okay we're going to send your loan within 3 hrs the funds. Awesome. After 2 hours a " finance manager '' calls me back ( XXXX ) XXXX. He says okay we're going to send your loan but first we have to send you the money to pay the taxes. Itll be the same as this morning. Okay I say. At this point I'm just thinking about the loan money and my daughters birthday next week and how awesome I'll be able to make it for her with the loan. That night they sent wire. Next morning I see its for {$2900.00}. Damn I think but again all I'm thinking is everything went fine the morning before and how much the actually loan is going to help me out. They call me and tell me to send XXXX back and ill have my full loan by lunch. I follow the same instructions cept this time they say no pictures just read numbers over phone. Yessir I say. Around XXXX still no loan and as I'm checking for loan deposit I see my accounts negative. They pulled the XXXX back out i think. I call my bank and am raising XXXX. Saying I didn't authorize that being taken out to send back. I already sent them that in XXXX gift cards. Thats when the bank tells me it wasn't pulled out. The bank sent in back because of insufficient funds. WHAT! I say how was i even able to withdraw if the funds weren't checked. They wouldn't even give me an answer. Just told me I was scammed and I was responsible for negative balance. Next day you guessed it the XXXX was the same insufficient funds. Now my account is XXXX negative. And my paycheck is due to be direct deposited tomorrow and I won't see any of it. I asked my bank how is it that when I deposit a check even a Federal Government check i can't even have access to those funds till the check clears but for these checks the scammers sent that wasn't the case. And now my life is gon na be ruined. I'm a single father to my XXXX old son and XXXX old daughter and now we're probably going to be evicted. I can't believe this. Please help me get these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: NJ

Complaint narrative:
I received a collections letter in the mail from ACI ( American Coradius International LLC XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

ACI sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( XXXX ) and told them as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/21 approx XXXX I received a phone call on my cell phone from XXXX A recorded message stated that there was a questionable charge for an XXXX on my XXXX credit card and that they had put a hold on the transaction. I was to press 2 for assistance. I did and was connected to a person. I felt uncomfortable immediately so stated I had a bad connection and would call in. 
I call into the servicer of my XXXX XXXX ( XXXX ) and was told my account was fine. - no flagged activity. They suggested I contact 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 2021-04-29 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: TX

Complaint narrative:
A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

Experian and XXXX  are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX XXXX  but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Hello there is a company, TrueAccord that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. TrueAccord and XXXX XXXX XXXX XXXX should be ashamed of themselves for going after someone that has been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: GA

Complaint narrative:
Someone stole my account and routing number as well as my card as wel as made changes on the XXXX of this month to my account with out my knowing i need to close this whole account right now its jepordized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened new checking and saving accounts with Citibnak sometime last year in XXXX using new account promotion bonus, I met all the requirements and earned {$500.00} bonus ( new account opening promotion ) sometime in month of XX/XX/2020 they credit this amount into my account directly, and as I was told that I should receive 1099 for this promotion bonus. 

But unfortunately they never issued/send me 1099 and when I tried to call them and ask for this first of all they are telling me ohh because I did not earn $ XXXX interest and so no 1099 was issue and blablabla ... but this promotion bonus should trigger and required by legal to have them generate 1099 and send me and IRS . 

Can you guys please help me into resolve this with CitiBank? I should get a 1099 for this as well as they should pay me the cost of my tax return amendment as well. 

( I was just realized that as my husband also was in similar boat and he just received his 1099-MISC yesterday only from Citi with a letter said due to some error they did not issued the 1099 for the promotion bonus and so they are issuing now which is passed the deadline and so as it requires a tax return amendment and so they will send a check of {$180.00} to cover this tax return amendment cost )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reporting the persistent denial of an investigation by TransUnion for the third time in XXXX! This company has developed policy that violates the consumer laws. TransUnion is supposed to initiate a dispute with a creditor regarding the completeness or inaccuracy of ANY item on my credit file directly with the company on my behalf who has applied unauthorized information on my credit file. Various inquiries appear on my credit file that were unauthorized by me on XX/XX/XXXX and XX/XX/XXXX. I have written letters to TransUnion as well as contacted the financial companies to initiate a dispute, however TransUnion is refusing to do its job to contact these financial agencies directly to initiate a dispute and remove these items within 30 days from my credit file, or at lease provide me with a written response after their investigation. I spoke to another representative in XXXX on XX/XX/XXXX after receiving a letter from TransUnion which explains their explanation of Inquiries on my Credit Report but does not offer a resolution towards a dispute of unauthorized inquiries. Therefore TransUnion is directly working against me as a consumer by not removing unauthorized items from my report and not conducting an investigation of the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a case that started in XX/XX/2019, was filed with the New York state attorney and FTC in 2019. This information was provided to the original plaintiff but this debt has been sold to a new Plaintiff Portfolio Recovery and they are wanting to us to pay this debt when its still under investigation. We received a letter from the New York state attorney that told us that this case was given to the FTC for investigation and that this type of case would take some time. I can provide the FTC case # is needed. 
This is a fraud case were Portfolio is asking for the sum of {$11000.00} I don't see how they have come up with this amount because this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Consumer finance Protection Complaint against Bank of America about personal accounts of XXXX XXXX FACTS 1. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX personal account under XXXX & XXXX. 
2. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX Personal account under numberXXXX & XXXX for Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX account under number XXXX & XXXX. 

3. I was granted credit on approximate dated XX/XX/XXXX, and 4. Subsequently, on XX/XX/XXXX, it was a reversal, and they made me paid fraudulent fee charges. 
5. I have a claim number and first my claim number XXXX and claim number XXXX 6. I filed a reconsideration on fraud and overdraft on the reversal on my credit to overturn. 
7. I did provide the letter of reconsideration via fax to Respondent BOA.

8. Respondent BOA made a misrepresentation or made false indigenous 9. They ( BOA ) never receive Petitioner 's reconsideration was never by fax. 
10.

11. Still, I have argued with the Respondent BOA did in received the reconsideration letter.

12. On XX/XX/XXXX, I re-fax of letter of reconsideration to the Respondent BOA all over again, and then I follower-up Respondent BOA on XX/XX/XXXX. 
13. Customer Services Representative First name as XXXX, and her ID is # XXXX answer my response on XX/XX/XXXX, at XXXX XXXX  14. She confirmed on XX/XX/XXXX, that the Respondent BOA was received by fax. 
15. XXXX informs me that the Respondent BOA denied my reconsideration. 
16. Furthermore, when I spoke to her, she was unprofessional, discourteous, and provide rude treatment towards me.

17. At approximately time XXXX XXXX, I filed an oral complaint with another Customer Services. The Customer Services was male and took down my complaint, and she did not have the right, and I part own the Company because I have stock shares on the corporation. 
18. He provides me with case number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief