vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
received call from XXXX XXXX ( XXXX ) XXXX, reference number XXXX. They said they would be coming to my house to serve me papers. The year of the so-called debt was when Iwas XXXX XXXX XXXX and the debt does not exist. I was supposed to be a bank debt and the bank ( Huntington Bank ) has no record of such debt. 

These people were equipped with my social security number and my current address of which I have just recently purchased this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: OH

Complaint narrative:
I went to XXXX XXXX XXXX in XX/XX/2020. I received a bill from Frost-Arnett that I thought was to pay off my hospital stay. I have been paying them thinking that it was going towards the hospital. However, when I pulled my Annual Credit Report, there was no mention of such debt from the hospital or Frost-Arnett XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime Bank agents engaged in unauthorized activity with my debit card, made false reports on my accounts and caused my debit card to be shut down. They refused to fix the problem WHILE knowing i did not reside at the same apartment. I had just left and am currently homeless. They knew this and still refused to turn my card on at least not They then sent a replacement card to a place I do not reside and knew this. They were well aware of my homeless status and did nothing to resolve the issue. I now have now way to receive my direct deposit. 

Chimes agents have shown extreme incompetence when dealing with financial services. They do not investigate and there is recorded proof of each call of these agents not opening investigation documents u til i tell them to. They are unaware of the issue at hand until I force them to read the evidence I provided. 

At no point did Chime mention canceling my card and sending a replacement in any of there responses to me. In fact they never confirmed the dispute, they never finished the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I purchased an airline ticket from XXXX on XXXX. 
After making the purchase, the hold was placed on the account for {$530.00}, the purchase posted to the account on XX/XX/22 and today XX/XX/22 Citizens bank still have the item on hold and told me they won't help me. 

I spoke with a supervisor XXXX who was rude and had a nasty attitude. She stated that she is not going to assist me. 
With the additional hold on the account Citizens bank refused to help with so that they can charge me overdraft fees. 

I reached out to the agent via chat and also via phone and neither of the agents assisted me, instead I was told that they will not release the hold from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have turned in all the information requested of me to LoanCare and XXXX XXXX XXXX required to receive a loan modification. 

They refuse to properly service my loan : They continuously ignore my certified letters and emails. 

They send me misinformation that they have not received documents when they really have. 

I have sent full document packages to their po box XXXX mailing address, and two email addresses and their attorney. 

The documentation attached shows that a full loss mitigation package was sent XX/XX/XXXX, Proof of a 4506-C uploaded on XX/XX/XXXX, and the actual 4506-C that they have sent me documentation stating they are " missing. '' My application is a facially complete application as per 1024 41 ( c ) ( 4 ) ( ii ). 

I also have timestamped emails of the above information that was emailed to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im filing this complaint on my credit report because of the hard inquirys I didnt authorize this are the list of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive called experian and asked them to removed old personal information, they removed inquiries but never removed old incorrect fraudulent address. I asked them to remove old number and old address and employment history. And emails XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI 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 2022-10-19 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: SUNRISE CREDIT SERVICES, INC
State: AK

Complaint narrative:
XX/XX/2022 Sunrise Credit Services contacted me regarding an alleged debt of {$390.00}. When informed that I am not aware of and do not believe I owe this debt, Sunrise directed me to their online portal and told me that I had " verified '' the debt on a recorded line. This is untrue. They also told me that they had sent me a letter that I had not received. I informed them of this and asked that they resend that letter and email it if they are willing. They informed me that they are not required to do that and, in the meantime, unless I pay it, they will report it to my credit to damage it. In addition, when I told them my name, they did not believe me and even hung up on me so that I had to call back to understand why they contacted me. If I had not called back, I would not have been aware of this alleged debt in the first place.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received 2 emails claims they are going to close my Amazon -chase credit card. 
And want additional information My acct is fine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.

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 2022-10-19 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: DE

Complaint narrative:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Billing and errors dispute. Inaccurate investigative consumer reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a credit card with XXXX Account. 

Synchrony Bank is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Synchrony Bank

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 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Financial management solutions did a hard inquiry on my Credit report several of 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to file this complaint because I didnt authorize XXXX XXXX XXXX they already started using the account it already has XXXX dollars on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have a joint checking and savings account at US Bank with my daughter. Both our names are on the account. I have a Visa credit card attached to the account as well. I have never missed a monthly payment. My daughter downloaded the US Bank app and made a {$2000.00} payment on XX/XX/2022 to the credit card balance by utilizing the " link bank account '' option which connected her XXXX account and submitted the payment to be applied to the card balance. Another payment of {$1000.00} was submitted on XX/XX/XXXX via the US Bank app to the Visa credit card account the same way, via the linked account. These were payments made in addition to my regular monthly payments. 
On XX/XX/2022 I received a letter from US Bank ( dated XX/XX/2022 ) stating that they had closed my credit card account effectively immediately. 
Their reason : " we are unable to determine that you are the owner and/or authorized agent for a Demand Deposit Account ( XXXX ) being used to facilitate payments to this account '' and " No further use of your card will be permitted effective immediately ''

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 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
PennyMac has lied, I asked for copies of the documents they mailed to me and I havent received them. They also need to address why they didnt pay the same policy that I have had for the past three or four years with the primary policy holder being XXXX XXXX this issue hasnt happened previously and now you want to force place me! I demand my insurance with my prefer carrier be reinstated and you remove your fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
At my request, my bank First National Bank of Omaha, sent international wire transfer to an account at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX on XX/XX/XXXX from my business account. Later I have informed my bank that it might be a fraud and asked them to contact XXXX XXXX bank to get funds refunded back to my account with First National Bank of Omaha. They informed me that they tried a few times and I have to contact the beneficiary in XXXX XXXX directly, to get he funds refunded back to me. I could not reach the beneficiary as I found out finally on XX/XX/XXXX, that I am a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
According to CFPB response of CKS PRIME INVESTMENT LLC, # XXXX false information was provided in response to the validation letter sent XX/XX/22. I have never received validation Of this alleged collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America after seeing on my XXXX report that there was a closed account with a balance reporting. I did not open this. I sent them a police report and theft affidavit 30 days ago and they havent responded nor have they removed the information from my XXXX. 
The address associated with the account isn't mine. 

My dl is attache with my correct address.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just received a response to my complaint and the CFPB closed the case without verifying the information. Which is disappointing. Anyway wells fargo lied about their response. I will tell you why. I filed a claim in XXXX of 2021 that was denied. The rep that I spoke to today by the name of XXXX told me the claim was closed in XXXX of 2021 which was false because I as a wells fargo customer had the right to dispute their decision which ultimately led to the claim being approved in XXXX of 2021 because I kept pushing about it being fraudulent but I was only given a partial credit amount and was told by the rep XXXX this morning that the claim in XXXX of 2021 was closed and the partial credit I received in XXXX of 2021 was from the merchant, not wells fargo. How ever the letter that I received in the mail from wells fargo states that I was only given a partial credit in XXXX of 2021 because they were limited on what they could do because of the time frame. Which I later found out by a completely different employee in XXXX of 2021 was 60 days. Nothing in this letter I received from wells fargo stated it had anything to do with the merchant. So again wells fargo lying to save their own behind. The lies just continue to add on with this company. Over the past 18 months and 40 plus people that I have been passed around too, just nothing but lies and misinformation. No one is ever on the same page, its always something different. I do not understand how this company can continue to lie and not take responsibility for a mistake that was made on their part and nothing come of it. I have wasted 18 months fighting them on this, and today get told I will not be receiving any compensation and the matter was closed. They continue to lie, the person I spoke to on the phone today lied. They are trying to lie their way out of something that they shouldnt be able to and its not fair to me the customer to have to fight this hard and take all the steps that I have been required to take in order to get the proper resolution to this matter.

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 2022-10-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do A Pay  for Deletion for this account that isn't even 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 non-monetary relief
Consumer complaint received 2022-10-19 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 have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do XXXX XXXX for Deletion for this account that isn't even 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 non-monetary relief
Consumer complaint received 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do XXXX XXXX  for Deletion for this account that isn't even mine.

Company response to consumer: Closed with explanation