vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXX XXXX 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 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Just received a notice stating legal actions would be taken, I called the company stating this was the first notice I received and had not gotten a payment plan option etc. was unable to communicate with the credit card company this was over XXXX and half years ago. Letter date XX/XX/23 received XX/XX/23

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 2023-08-24 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Constantly calling. I fell on hard times and they are even coming to my place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO

Complaint narrative:
Repeated daily calls on my primary phone which I get spam calls all day so I ignored all Called me on my work phone and spoofed their number to be called from my employer to get me to answer? Is that even allowed?

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 2023-08-24 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: IN

Complaint narrative:
I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.

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 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Johnson Mark LLC Failed to properly validate the debt they allege I owe. They sent me two packets of the same thing a bunch of old credit card bills. None of them providing proof of the amount they allege I owe. They have violated the FDCPA by failing to prove to me I owe this debt under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX Inquiry Date XX/XX/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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a Chase Bank customer of many years. My husband and I have a Joint account that includes checking, savings and credit card. Over the past year we have experienced numerous duplicate payments to two particular payees. XXXX XXXX charge and XXXX XXXX. When I receive our bills, I immediately go in and schedule the payment to arrive by the due date, then shred my bill. This occurred 3 times in XXXX, then again earlier this year, which when I called customer service, they reversed one of them as it was in pending status. 

Today I see it occurred again on my XXXX XXXX scheduled payment. It is in pending status so I called Customer service to have one removed. They refused to help me because my husbands name is first on the account and he was not here to participate in the call. He is out of town. I stressed that I am a joint account holder, have all the verification info needed but she said that even her manager and supervisor would not be able to help me and that I would need to call when my husband is home. I stressed that this is in pending status and by the time we call tomorrow ( he is expected home late tonight ) it will have gone through. The amount is not insignificant, {$700.00}!! I can't have this pay twice! So I go up to my local branch, fuming. The banker understood my issue and stated they should have been able to help me. He made the call. He was met with the excuses that it can not be reversed, with the representative even insinuating that I had made the error and paid it twice! FYI, in the past other phone representatives when they did help clear it also insinuated that. In the end, he was told that I had to call tomorrow after it fully posts and file a claim!!! 

This is just terrible customer service! Why do these double transactions keep occurring? News articles on XX/XX/XXXX indicate that this issue had been resolved and they were immediately crediting duplicate transactions. IT IS NOT RESOLVED!!! MY ACCOUNT IS NOT BEING IMMECDIATELY CREDITED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: FIRST HORIZON BANK

Complaint narrative:
I previously filed a complaint about a credit card showing up on my credit report. 
First Horizon says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from First Horizon indicating that I am an Authorized User. 

If First Horizon states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Got a new AMEX card with high rates. Wrote them a letter saying that 27.49 % plus XXXX percent penalty if not paid in full inside 30 days or if you miss a payment, etc., is not what I was hoping for, was the highest rate I ever heard of and let them know that I was hoping they were going to treat me better as a former gold card member. Suggested I would not recommend anyone accept that type of high rate plus a penalty high rate. Sounds like an impending disaster. Think it should be illegal or considered usury. *My last 15 year home mortgage had an APR under 4 percent, was paid off early and I haven't incurred any unpaid bills since? My credit is good or near XXXX. 

Imagine I got sick and put the hospital bill on a card like this? How could anyone recover at near 50 percent interest rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I have purchased a car using Carvana online. XXXX used XXXX XXXX. I received documents from loan servicer XXXX which I did not consent to. XXXX have been charging me excessive interest and fees for contract with no agreement. I became ill and was unable to work as of XX/XX/XXXX. Today my car was repossessed illegal by Carvana/XXXX in which they are demanding payment {$3000.00} before returning the vehicle. I refuse to pay this debt due to billing error dispute pursuant to 15 USC 1666a. I have the right to withold payment. The original contract stated the finance charge is the sum of all charges. Where does the additional balance arrive from?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Fig Tech Inc.
State: FL

Complaint narrative:
I have been trying to get a hold of someone at Fig loans to try and fix my credit report. I called several times and got hang up on. I finally sent an email and I still havent heard back yet. Its impossible to get someone on the phone with this company. Everything is done online but when you have an issue you cant get someone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I CLOSED my checking/savings account with Citizens Bank XXXX 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX  {$5.00} from my closed account. Because the account was closed there were no funds to complete this transaction resulting in Citizens Bank charging me {$81.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX {$5.00} from my closed account again. Because the account was closed there were no funds to complete this transaction again resulting in Citizens Bank charging me {$91.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank sent me a letter stating the Reason for Returns. You gave the company permission to debit your account but revoked authorization before the debit took place. 

I called Citizens Bank and spoke to a customer service representative who proceeded to tell me that they reopened my account and paid the funds twice on my behalf and proceed to charge me with over draft fees. 

I was unable to resolve this situation to my satisfaction with Citizens Bank. 

On XXXX I received a letter from Citizens Bank stating that they were closing my account because they have not received a full deposit to bring the account current and have sent me to Citizens Bank Collections .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24 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: TN

Complaint narrative:
Equifax has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Equifax also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I started receiving mail from Bank of America regarding a checkinh account I never signed up for. THis account was made in my name without my permission and I would like to be compensated for my stress and worries regarding this issue.

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 2023-08-24 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: FL

Complaint narrative:
In XXXX a dispute was made, BOA provided temp credit for it. In XXXX the reversed the credit twice ( double dipped on my account ) which was only rectify after I called and complaint about it. Now in XXXX they reverse the credit again. They are giving me the round around and not provided me my funds back

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 2023-08-24 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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.

This is account needs to be investigated and deleted immediately from my file.

Please send me confirmation once complete.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.

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 2023-08-24 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-24 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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