vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. XXXX and Experian are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. XXXX XXXX XXXX XXXX XXXX XXXX. If you can help me with this I would be grateful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is not right, it should be XXXX XXXX XXXX and not XXXX XXXX. 

Also I have two address on my report that are not mine, the following addresses are XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
*Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) *Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) I am providing 4 complaints that were closed by CFPB that were in fact NOT already processed at a prior date. These need to actually be looked into and I am requesting a legitimate response. I also provided documents showing these inaccuracies and requested ACTUAL VALIDATION and not a simple cookie cutter verification. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your/the offices provide me with competent evidence. 

XXXX XXXX XXXX XXXX CFPB 's lazy response : " The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ''

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 2022-09-20 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: GA

Complaint narrative:
Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. Transunion and XXXX are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. I am a retired XXXX XXXX. If you can help me with this I would be grateful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc.
State: NJ

Complaint narrative:
I have been a victim of identity theft on several occasions and these criminals have opened bank accounts under my name as well as stole my unemployment and applied for credit cards and ran up tens of thousands in unpaid medical bills. I had did a police report as well as a ftc report. This company is calling me harassing me for a debt that is not mine and they are persistent. They don't care if its valid or not they just want money. I have attempted to get a new SSN but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I moved out of the apartment unit due to damages and flooding throughout the entire building caused by Hurricane Irma. The association allowed tenants to move out without any penalty however, they want to charge me for moving out of my unit. I am not liable for the damages caused by the storm and should not be penalized for breaking my lease agreement just like all the other tenants due to unlivable conditions. These charges are not fair and are damaging 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
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
My bank charged a XXXX nsf fee on XX/XX/22 and returned a payment when it clearly showed there was enough money to cover the XXXX payment and when I opened the account approximately 5 years ago I was told that deposits to the account go through before debits and there was a deposit and a credit so there still wasnt a reason to charge me the fee I have screen shots showing that I was not negative to being with it wasnt until they charged their fee that it went negative. I havent talked to customer service because they tell me to go to the branch manager and he treats me and talks to me like Im garbage very poor customer service we had an account with them over 20 years ago and due to job loss we had to file bankruptcy and that account at the time was negative like XXXX due to fees and was included in the bankruptcy we had to fight to get the account we have now we were told we could not have an account unless we paid the money but we new that they could not collect on something that was XXXX through bankruptcy I feel like our account is flagged so they can collect their money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc.
State: NC

Complaint narrative:
I am trying to close on a house and over the last year, I have been repairing my credit. I called XXXX XXXX because my lender saw a collection on my credit report that was charged off. When I called the first two times, I was told that i must have the wrong credit card company because there was no record of my collections account there. I had my lender send me a screenshot of what they were seeing and sure enough, it was an account with XXXX XXXX. So I called back and asked to speak to a manager. Finally a manager was able to verify my collection account and got me over to XXXX  in Loss Mitigation. XXXX verified my account and I offered to pay it in full IF they would send me a {$0.00} balance letter THAT DAY for my lender. She said I would get one emailed to me immediately because the payment will trigger that automatically. So I paid the account in full- {$410.00} paid XX/XX/XXXX acct ending in # XXXX XXXX XXXX  Payment Confirmation # XXXX I asked when I would receive the letter and again, XXXX said to give it XXXX minutes and that if I didnt get it, to call back. Didnt get the letter over an hour later, so I called back and asked to speak to XXXX I was told no one could send me to her and that, AGAIN, the account I just paid off, did not exist. I was hung up on 3 times before someone gave me to a manager and they got me over to someone who claimed to be XXXX manager. When I asked where the letter was, she said Oh well XXXX didnt tell you that it takes up to 2 weeks for your payment to post so you will receive a letter after your payment posts. I was furious. I told them I was going to lose my house if they didnt send me a letter ASAP. They said theyd try to escalate it. Well, I never received the letter and my first mortgage got denied. 

I have called back and disputed the account MULTIPLE times always with the same result. I have uploaded screenshots from my bank account where I paid the account in full, as well as the payment confirmation number, and the entire story and everything employee Ive spoken to to NO AVAIL. I even took to social media, emailed the CEO of XXXX XXXX and then finally, 3 DAYS BEFORE MY CLOSING, they responded to my credit dispute on XXXX and REPORTED MY ACCOUNT AS {$410.00} CHARGED OFF IN XXXX OF XXXX!!! I PAID THE ACCOUNT IN XXXX!!! THIS IS FRAUD AND THEY ARE RUINING MY LIFE!! MY FAMILY COULD BE HOMELESS BECAUSE OF THEIR CRIMINAL ACTS!! Im filing a lawsuit against them and they should be receiving a letter from my attorney this week but they need to be SHUT DOWN FOR GOOD!! Please help the public by investigating and shutting them down! They are a DANGER to the American people!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have debt collections with XXXX XXXX a loan & a opened credit card account & none of those were opened to by me to my knowledge this isnt my first event with identity theft

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 2022-09-20 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: PA

Complaint narrative:
I need you to attend the following shown items in this letter which contains data taken from my credit report which you have provided. 

XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXXXXXX Delete this unconfirmed inquiry lacking certifiable proof evidence, unless physically certified verified proof is demonstrated per U.S Code 15 U.S.C 1681 ET Seq. Section 604 of the fair Credit Reporting act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I got home last weekXXXX and saw a mail from a collection agency, I open up the mail and saw that I applied for a XXXX XXXX XXXX credit card which I did not apply for any XXXX XXXX XXXX credit card amounting XXXX, I call social security and let them know someone my identity and get a credit card, and I forwarded a mail to the collection agency, prestler felt and warshaw llp that I do not apply for no card, it wasn't me and moreover i don't have no XXXX XXXX in the state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I am a consumer who applied for a TJX rewards credit card, offered by Synchrony Bank. Synchrony bank received my application and denied granting me an extension of credit for family and household purposes. Synchrony Bank replies and says that their decision was based on a credit scoring system from the consumer reporting agencies which is a violation of discrimination and defamation under the Fair Credit Reporting Act, Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Although Synchrony Bank may consider information obtained in my credit report to evaluate my creditworthiness, the information must not be used to discriminate against me, and the decision-making. Synchrony bank also failed to notify me with the name and address of the Federal Agency that administers compliance which is a violation.

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 2022-09-20 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank denied my disputed charge of {$800.00} twice, despite the charge very obviously being fraudulent. I was nearly kidnapped in a foreign country, and Chase has sided with scammer who provided faked receipt evidence. 

I flew to XXXX, XXXX, on XX/XX/XXXX and took a taxi from the airport to the hotel - a 30 min drive, which typically costs {$50.00} - XXXX. Upon arrival at the airport, I was approached by many taxi operators, and I believed them to be legitimate as I had no reason to suspect otherwise. I negotiated a fare of XXXX XXXX XXXX  ( roughly {$65.00} USD ) with one of the operators, which I believed I would pay at the end of the ride, like in most countries. But right after I got into the taxi, a man approached my window, took my credit card and charged me XXXX XXXXXXXX XXXX  ( which registered on Chase as {$870.00} USD ) instead. After the card was run the taxi driver immediately drove away and refused me a receipt. I was already in the taxi cab ( with all my luggage ) when my credit card was charged, I was not allowed to see the transaction take place on the handheld card reader device used, and the man who ran my credit card was not my driver. I wasn't even sure that the cab was going to the right hotel at first since my driver didn't speak English and there was no meter. There was no marking on the cab to indicate cab company name, so I was unable to get in touch with them after eventually getting to my hotel. I believed all would be fine after this traumatic experience as there was no way Chase would allow the fraudulent charge through. 

I immediately opened a dispute with Chase to ensure the bank knew that the charge was fraudulent. I paid the originally negotiated amount ( {$65.00} ), but the remaining {$800.00} was under dispute. The fake " receipt '' provided by the taxi company to Chase does not bear my signature ( the scribble on it is very obviously not mine and does not match any of my signature samples ), nor was I ever asked to even sign anything. My card was run secretively and fraudulently. I did not agree to a price of XXXX XXXX, and a {$870.00} charge for a 30 minute taxi ride would be absolutely ridiculous. Unfortunately, given the situation above, the only proof of this traumatic experience is the communication I had via text message with my partner the day this happened, and therefore Chase denied my claim, twice, even after a days-long discussion with multiple bank representatives. This is UNACCEPTABLE banking practice on Chases part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
Please note copies of emails comments available and in mail to you US BANK TOOK ACTION AND CLOSED ACCOUNT BECAUSE THEY DAID I MADE FRAUDULANT DEPOSIT FROM A LINKED ACCOUNT PAYABLE TO ME FROM MY OPEN XXXX ACCOUNT CHECKS RETIRNED UNPAID A MISTAKE FOR XXXX I HAD NO MOBILE DEVICE TO TRANSFER FUNDS ONCE FOUND MISTAKE I IMEDIATLY CONTACTED AND TRIED TO DEPOSIT CASH TO TAKE CARE OF OVER DRAWN ACCOUNTS ENDING IN XXXX & XXXX A MANAGED SENIOR ACCOUNT US BANK REFUSED SUCH STATING ITS IN CLOSED STATUS AND ALL DIRECT DEPOSITS AS WELL BRANCH DEPOSITS A XXXX US Bank took retirement Social Security income mine as well as my mother 's a XXXX XXXX XXXX XXXX senior accepted direct deposits not to mention my retirement deposit satisfied overdraft held the re remainer of available money over {$3000.00} dollars as of now 1 month laspe still not received please refer to comments and interoffice correspondences XXXX personal not from associate XXXX XXXX and XXXXXXXX XXXX  after review you will ser astonishing remarks about there position and there lack of power to correct not to mention the higher s lies to the response PLEASE EXSCUSE TYPO ERRORS AS IAM XXXX AND DO TO LACK OF FUNDS AND UNABLE TO UPGRADE IAM WORKING OFF A 4 INCH SCREEN 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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there was roughly XXXX used by my debit card in various places and in a row the bank could not show me any videos, I only use my banks atm not 3rd party. They said there was not enough evidence which is a false statement as they reimbursed me XXXX XXXX in XXXX but then took it back. I since changed cards, but my account money is still gone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: VA

Complaint narrative:
They have called every day started at or before XXXX XXXX  and have called my mom and my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent USD XXXX from my US XXXX  debit card to my XXXX XXXX debit card last XX/XX/2020 using Western Union 's XXXX to XXXX online transfer under XXXX XXXX. 

My money was put on hold on the same day, requiring additional account verification, so I sent additional information documents as listed : ( 1 ) XXXX Passport with XXXX ; ( 2 ) Proof of Billing Address ; ( 3 ) Bank Statement for month of XXXX ; ( 4 ) 1 month payroll ; and ( 5 ) Certificate of Employment from US company. 

The amount of USD XXXX was already charged on the same day to my US checking account even if my account verification took a day to complete. 

The next day ( XX/XX/XXXX ), I called Western Union to follow up on my verification confirmation so that my pending transaction will push thru. They told me that my identity was successfully confirmed but they were having an issue with their system so they decided to refund the whole amount back to my US checking account within 5 to 7 banking days. 

7 banking days later, on XX/XX/XXXX, I called again to follow up on my refund. They told me again to call the next day if my money will not be credited back in 24 hours. 
I called them again the next day ( XX/XX/XXXX ) because the money was still not credited back to my account as promised. They escalated my refund to their Cards and Billing Department under Case Number XXXX and assured me that money will be credited back in 24 hours. 

I called again yesterday ( XX/XX/XXXX ) because my money was still not refunded to my account. They once again told me to wait for another 5 to 7 banking days. 

Western Union keeps on extending my refund without a final refund date. Hope you guys can help me. It's been 2 weeks, they haven't refunded my money yet. 

I want my money refunded back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount. 
On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MI

Complaint narrative:
Received an email on XX/XX/2022 that Bank of America Advantage Safebalance Banking account was created in my name. I have never applied for this account or authorized anyone to do this. I called them and they filed a claim and closed the account. I am waiting on the response from their investigation.

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