vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings credit service, is damaging my credit file. They claim I owe an alleged debt. Ive requested that they provide me with a contract between Myself and the company. I would like a audit trail in connection with this alleged account that I didnt authorize to open. I filed a complaint with the XXXX  and the companies response was some statements and invoices from some company, as well as supposed " notes '' of telephone conversations. Once again if that was them calling me, that was invasion of my privacy because I didn't give them permission to cause my phone to ring. The " communication '' they have in there notes is not related to location informtion. It is in connection with this alleged debt. They are posting on my consumer file negatively, causing harm to my reputation.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/22 Someone applied for a credit card with XXXX XXXX in my name. I called XXXX XXXX and XXXX informed them it was not me. XXXX put a Fraud alert on my account and XXXX XXXX sent me the credit card. I called them back on XX/XX/22 they verified that this card was canceled. 

XX/XX/22 JPMCB Inquiry for a credit card. Again not me. Called Chase and XXXX once again informed them this was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
XXXX. XXXX XXXX XXXX, XXXX, {$1500.00} XXXX. XXXX XXXX XXXXXXXX, XXXX, {$1200.00}. 
XXXX. XXXX XXXX XXXX  XXXX, {$340.00} XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I filed a dispute claim on XX/XX/2022, regarding the merchant XXXX XXXX XXXX XXXX. The management made an unauthorized charge on my Barclays Visa Card without my knowledge or consent for guests that I did not authorize. I called and emailed the manager regarding the charges but he did not provide a resolution. The total amount of the unauthorized charges is approximately {$1100.00}. 

I filed a complaint with Barclays Credit Card on XX/XX/2022. I received a letter on XX/XX/2022, which stated, " Unfortunately, we're unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason : We were not provided with proof of paid by other means. I do not understand ( paid by other means ). 

I provided Barclays with emails regarding how I was paying for the rooms for my XXXX XXXX and XXXX Celebration. I did everything within my control to reach out to the hotel several times regarding what I authorized on my Barclays Credit card. A Barclays representative told me I should have not given them my card number. If you asking for service from an establishment it is required to give your credit card to hold the rooms. 

Seven of my guests ' rooms were charged to my credit card. I had approximately 43 guests from several states who paid for their rooms with their credit cards. I book 10 rooms for my guests. Five of the rooms were booked for my brothers and, I authorized my card to be charged.

I want Barclays to remove the {$1100.00} from my account. XXXX XXXX XXXX XXXX is charging me for their incompetence.

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 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

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 non-monetary relief
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Refinanced two loans back in 2008. Noticed wrong information on webpage a few years later including wrong schools attended. Told company said they would fix. This has gone on numerous times with no corrections. As a result I am questioning that Ive been paying consistently for 14 years and only have paid off {$9000.00} off my XXXX loan. Interest payments vary every month but {$20.00} or so and it makes no sense. I am consistent with payments. 
They ignore communications and I dont know what to do. I still owe AES {$30000.00} after all these years. Something isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: IA

Complaint narrative:
Hello, I opened XXXX XXXX account on XX/XX/2022 under the following terms : - Direct Deposit $ XXXX every 30 days for 90 consecutive days - Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days After completing those terms, the account should be credited with the {$500.00} referral bonus.

I completed those terms already and still have not received the {$500.00} bonus.

Please advice.

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
One of my checks was stolen out of the mail, altered twice and cashed twice in the same day. Neither bank noticed that the same check from the same account was cashed twice in the same day. Neither bank noticed that the check had been altered ( it is obvious if looking at the low resolution black and white image of the canceled check, for both instances ), and the endorsing name did not even match the altered payee names. This happened in XX/XX/2022. I noticed because I got a late notice from my mortgage lender that I was late in paying them. I sent all the requested documentation ( images of the canceled checks, notarized affadavits ) to PNC on XX/XX/XXXX. I followed up in XXXX, and was told they never received the documentation. I sent again via email on XX/XX/XXXX. PNC verified they had what they needed. PNC says they forwarded to XXXXXXXX XXXX by XX/XX/XXXX. PNC has not, until today returned any of numerous phone calls or email follow ups to find out where this is. Today, they told me XXXX was supposed to contact me directly, but gave me no contact at XXXX to follow up with. I just want my {$2000.00} restored to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: CA

Complaint narrative:
I received a debit XXXX cash app card in my name to my address. I did not open a cash app account. Someone did this with my information. Someone has my social security number. I called cash app on XXXX XXXX to report this. They sent me a link to send picture of card and wanted my name. They said they would close the account. I don't know if it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$670.00} OPENENED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
On or about XX/XX/2022 I was given a pre-approved offer by First National Bank of Omaha ( XXXX ) for their " XXXX '' credit card. I completed their application process, they accessed my credit report and my application was approved. I received my credit card on approximately XX/XX/XXXX and the following day I received a letter stating that they tried to contact me by phone or e-mail and were unsuccessful. They asked me to call them. Their letter specifically also stated that the block they placed on my cards " can easily be removed after we speak with you. '' First of all, they are liars. They NEVER tried contacting me by phone or by e-mail. Second, XXXX has failed miserably to comply with the Americans with Disabilities Act. I am, unfortunately, XXXX XXXX XXXX XXXX I tried calling the number they gave me at least 50 times between XXXX and XXXX and it is impossible to reach them via TTY / RTT. I tried using the XXXX relay service and also via their listed number for RTT. Each attempt failed. On approximately XX/XX/XXXX I reached XXXX via the XXXX Relay Service and communicated with an unknown individual who was very reluctant to communicate with me even after XXXX explained by disability. In the end, simply because they could not speak with me as any other non-disabled person, they told me I must provide *notarized* copies of my SSN and ID. 

I do not believe the ADA allows any company to require additional documentation from an individual just because they are disabled. Also, requiring a person to pay a notary for copies of documents is absurd. Further, they lied in their initial letter.

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 2022-07-21 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: PNC Bank N.A.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, PNC Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Late Payment Dates : XXXX, XXXX, XXXX - XXXX XXXX, XXXX, XXXX, XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.

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 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.

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 2022-07-21 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: TX

Complaint narrative:
I previously wrote to Experian to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :

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