vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 we received an AMEX Credit card ending in XXXX to our address with a name of XXXX XXXX XXXX on the card, which was no one that we know. 
Rather than call the service number ( XXXX ) listed on the possibly fraudulent card, I called American Express Customer Service ( XXXX ) and struggled with the IVR that kept requesting info regarding my wife 's card which is a valid AMEX Card registered under my wife 's name at our address and at the number from which I called. 
But I was calling about a completely separate card that had been sent to my house in apparent error or fraud. Finally, I got through to XXXX ( ID # XXXX ) who transferred me to XXXX ( ID # XXXX ) with Account Security who said she couldn't help me and transferred me to XXXX ( ID # XXXX ) with the Identity Protection Team in the Fraud Department who said that AMEX is unable to tell me whether the reason I was sent the card was either an error by AMEX or a third-party fraud attempt, the latter case would require me to further investigate. She disconnected me insisting there was nothing further she could do. 
I called back, same issues with the IVR, but this time I was connected with XXXX ( ID # XXXX ) with the Dispute and Fraud department. I got disconnected from her but she was kind enough to call me back ; however, after investigating further, she ultimately came back with the same response that AMEX would be unable to tell me whether it was an AMEX error or third-party fraud attempt. 
Earlier, XXXX had suggested I call XXXX, XXXX or XXXX to check my credit. I am NOT the company with the $ XXXX Market Cap that sent XXXX 's card to the wrong address so I am not going to waste far more of my time investigating an issue with a third party when it was very possibly caused by AMEX errant processing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.

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 2022-08-14 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:
XXXX XXXX XXXX ( XXXX ) had pulled my Transunion credit profile without my permission on XX/XX/2022. And their manager also harassed me about they will pull my credit profile at XXXX and XXXX ( at that time I froze those two, but not Transunion ) So I want this credit inquiry should be removed from my credit profile. 

They tried to obtain my credit profile even though I said I had already been approved for an auto loan from the local credit union and they already got my documents. But Dealer tried and also did verbal harassment about I don't want to unfreeze my credit report ( because this is unnecessary )

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 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
In 2017 XXXX  ( the bank i was previously with ) failed. I was sent a statement for overdraft fees from a credit building plan i was unaware of. I was given a number to a bank I never did business with named First Citizens Bank. I have contacted/been inside this bank to pay them over over 10 times since 2017. My issue is they wont allow me to as they seem to not know who I should pay. This has caused me duress with my XXXX  reporting for a very long time. 





XXXX : XXXX Account : XXXX Date of closure : XX/XX/2017 Charge off amount : {$140.00} Old Bank Name : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone number : XXXX New Bank Information First Citizens Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, is my name I had a forgiveness private loan cleared debt free paid off that was granted effective XX/XX/2021, as a result of a settlement agreement by the attorney general. The loans included in this settlement are listed below and currently have a {$0.00} balance. 
Loan was XXXX However my credit score states I owe {$85000.00} in debt and I can support my family with a bad score on a XXXX. 
When XXXX was paid off in full from the forgiveness program.. my credit score supposed to be a lease higher over XXXX Can you please solve this matter and straighten out my problem please

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 2022-08-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. 

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

15 USC 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.

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 2022-08-14 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: TX

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). In Accordance to Fair Credit Reporting Act XXXX this accounts bellow have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Continue To Write To Equifax For Having Inaccurate Information On My Credit Report From XXXX. Equifax Continue To Report Inaccurate Information From XXXX. Equifax has list 4 inaccurate items on my report. XXXX continue to send me printed bill. I HAVE ANOTHER PRINTED LETTER. I continue to ask XXXX to send My " Original CONTRACT BARING MY SIGNATURE THAT I OWE THEM. XXXX CONTINUE TO SEND THE SAME PRINTED BILL. I NEEF TO SEE ORIGINAL CONTACT BARING MY SIGNATURE. THAT'S INACCURATE INFORMATION ON MY CREDIT REPORT. If XXXX AND EQUIFAX CONTINUE TO REPORT INACCURATE INFORMATION WITHOUT ORIGINAL CONTRACT I WILL TAKE LEGAL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am a victim of identity theft! 1. The creditor was not authorized NATIONAL CREDIT SYST Date of opened account : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is being reported to my consumer report which is violation of the fair credit reporting act. Transunion violated my right to privacy pursuant to15 USC 1681 section 602. Transunion also violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written consent/instructions. Transunion also violated the XXXX XXXX XXXX XXXX, pursuant to SEC. 501. of 15 USC 6801, Transunion should make it an obligation to respect the privacy of the consumer and confidentiality of my non public information. 

They have not provided me any documentation proof my direct written consent.

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 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Hey, I am XXXX XXXX and from my XXXX XXXX  someone robbed my stuffed my my truck. He robbed my tablet too and bank check book. In that tablet there was my social security. Then he bought a mobile phone under my social security number. That payment then pitted under collection and lower downed my credit score. So I am reaching you guys to suggest me or provide me information how to protect my SSN to be not used by that person in future. I already reported in police station and they come to know that person who did that robbery. But police is not taking any action against that person. Because he also applied checks from my bank too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am in the middle of sorting out a fraud charge actually 2, that showed up in my bank account while I was online. Yeah shocking to say the least. 
I called the bank US Bank via XXXX we locked my acccount the charge was still pending and supposedly they put it on hold and locked my acccount. 
I called back on Thursday of the same week we cx the old card and I got to the fraud folks. 

Today I check my account and the 2 fraud charge posted, the bank fraud folks never once did the job initially so now with my ss retirement due to hit this bank on the XXXX wednesday I am so upset. 

US Bank pretty much told me I should withdrw my ss money as soon as it hits the bank and I was like '' what sleep over at the XXXX  and watch my phone???? '' they could not lock my account infact they wont do anything and my ss retirement ripe for theft - seriously??? Now I cant even change banks until XXXX regarding my ss retirement and this if I have a bank account alternative now - like c'mon US Bank So I called back again to US Bank today yep one more time - these clowns can not even close my account without assuring me the return of the fraudulent charges would happen that fast. SERIOUSLY so clown is taking my money and the banks just lets them do it - what a joke huh not funny my retirement is under threat HELP

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 2022-08-14 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: TX

Complaint narrative:
My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.

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 2022-08-14 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: TX

Complaint narrative:
My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: GA

Complaint narrative:
On XX/XX/2022 I sent letters to XXXX, XXXX and Experian credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.

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 2022-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
The company is called ability recovery services, the continue to call and harrass me over a debt I have no knowledge of. They have contacted my employer multiple times trying to collect a Debt I have no knowledge of! The dinged my credit report as they said they would. The very first calls started at this beginning of 2022 and haven't stopped. They said they would make whatever attempts necessary to collect. Everytime they call its nothing but angry people making threats. It is really crazy because I do not have any knowledge of this account. They have dinged my credit with all 3 major credit bureaus. They even have the wrong address listed on my credit report. An address in XXXX. I have never ever lived anywhere else but ohio in my adult life. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
Me and my spouse signed up for a gym membership under false pretenses and when the manager at the time left, the new manager informed us that we were not allowed to have our children present at the gym. We told them to cancel our memberships as they were now in breach of contract as the previous manager had told us that we could. After talking to the owner of the location he told us, over the phone, that all debts are forgiven and no further action will be taken. 

One month later in XXXX, I noticed an attempt to pull funds from my account, I reported it and it was refunded to me. Same thing happened in XXXX but nothing further. 

XX/XX/XXXX I got a letter from the debt collection agency saying I owed money, I immediately disputed that I owed money and requested a verification of debt. XX/XX/XXXX I got the verification letter, I mailed them back a letter saying I again dispute this debt due to the owner telling me and my spouse that all was forgiven, I also asked for verification that the company could indeed collect a debt in North Carolina. I have not heard back from the company since and when I checked my credit report, debt collection is now part of my credit report. I do not owe this money and the debt is still in dispute, I believe it is illegal for them to do so without putting a note that it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
As part of our mortgage payment, taxes and insurance are escrowed and the policy premiums are to be paid by the mortgage servicer. Our mortgage servicer, Planet Home Lending, LLC., failed to pay our flood insurance premiums causing our policy to be cancelled, leaving us uninsured. More than a year later, they brought their error to our attention by threatening to purchase force-placed coverage to cover for their error and incompetence, and demanded that we obtain a new policy. We later learned that XXXX stole funds from our escrow account to cover for their error, without our permission. We lost the " grandfathered rate '' that we had with the original insurance company, and the lowest cost replacement policy was substantially more expensive. I have written several letters to XXXX detailing their error. The first was XX/XX/2022. There was never any reply or response. During my calls, I asked if they received my letter, and they said " yes, we put it in your file. ". I asked why they did nothing, and while they admitted their mistake on the phone and promise to take care of it, they have never acknowledged anything in writing, nor done anything. They have promised to correct our account balance, remove all late charges and fees, credit us for the difference in our original policy and the new policy, and correct our monthly payment. ( Our correct monthly payment is sent automatically each month, and has always been received on time. ). Notwithstanding, they continue to harass us for payment and threaten to ruin our credit. Despite numerous calls to their insurance department, and customer service, they have done nothing. On XX/XX/2022, I wrote to XXXX XXXX XXXX, the president of Planet Home Lending LLC, detailing everything and providing copies of prior letters. I received no reply from her. On XX/XX/XXXX I received an unsigned form letter from a XXXX XXXX XXXX XXXX saying that they would look into this matter. So far there has been no response, except the default notices that XXXX continues to send us, telling us that we are " seriously delinquent and in default. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX run a criminal background check on me providing the wrong information reference number XXXX.

Company response to consumer: Closed with explanation