vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
The company is inaccurately reporting late payments to credit bureaus, as account has been closed well over a year, and was reported as fraudulent and is not reporting as such. I have called the company multiple times to get this corrected to no resolve.

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 2020-11-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$1500.00}, {$700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

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 2020-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
I purchased a homeowners policy for my home. After 5 attempted calls by myself and my insurance agent, the mortgage company didn't respond. Proof of my insurance was sent to the mortgage company and they did not respond. Ultimately, they bought a policy in my name despite me already purchasing homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Two transactions from a merchant was made from my debit card that I did not make, I reported it to chime and they claim to have ran an investigation and did not find any error in these transactions. Chime said they would share the information used to find their results with me, and when I ask, they've only returned my origional report without any extra information. I am asking Chime to give me the merchants contact information and location so that I may run an investigation myself but they refuse. All I ask for is the merchants contact information or return {$89.00} back to my account for the transactions with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per 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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  has repeatedly tried to collect a debt that came from identity theft. Each time I ask for proof of debt using the forms that the Federal Trade Commission supplied and each time the response is to show credit statements with charges that have already been reported as identity theft ( FTC Report Number XXXX ). I even supplied names of the suspected identity thieves but rather than pursue that it is easier to just sell the debt again to another company so they can continue to harass me and violate the Fair Credit Reporting Act and the Fair Debt Collection Act. It needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
XXXX XXXX Americredit XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX TX XXXX. In Regard to GM Financial Account XXXX. On XX/XX/2020 I received a letter from XXXX XXXX from Americredit. I, XXXX XXXX and XXXX XXXX are the consumers, creditors, and sellers of the GM Financial account. We did not enter a consumer credit transaction with XXXX XXXX with Americredit. In pursuant to 15 USC 1681b and 15 USC 6802. We did not give GM financial institution permission, consent, nor the clearance to disclose our personal information to a nonaffiliated third party. In pursuant to 15 USC 1692c. ( c ) I am demanding that XXXX XXXX and staff at Americredit cease all forms of communication with us through any and all mediums. In pursuant to 15 USC 1692d ( 2 ) stop harassing us. These abusive practices are a violation of 15 USC 1692c ( b ) .This is an infringement of our rights to privacy and it is causing us emotional distress. This letter included obscene language that was abusive and harassing to us. Enclosed is a copy of the cease and desist, the letter sent from XXXX XXXX and the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations 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 2020-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX On the web I saw an ad for Citi Bank 's {>= $1,000,000} reward plus 1.1 % interest following the instructions on the WEB page I opted for the {$700.00} bonus option with a {$50000.00} deposit. XX/XX/20 I transferred that amount from the XXXX bank account with 0.8 % interest. 
After a long time in XXXX I noticed that Citi was giving only 0.1 % interest to my account, I immediately called the bank and asked for an explanation. After many calls from several representatives, the only answer is that I opened that type of account XXXX {$400.00} bonus and 0.1 % interest ), that's not true. I know very well what I did, since I did the same for a friend who now gets 0.7 % interest. I have a feeling that I was robbed by City Bank Thanks

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 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion will not remove hard inquiries that I did not authorize.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got an alert from experian saying there was a Payday loan in my name. I have never taken out a payday loan before on the XX/XX/2020. I put a fraudulent alert out. And I dont know who this person is but I would like to press charges.

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 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Please note : Chose the most applicable categories to submit this complaint as closest I could find from the choices. 

My Coinbase account was compromised. As I subsequently found out, this was apparently due to " SIM-Swap '' where the perpetrator managed to have my phone number somehow transferred from XXXX to the perpetrator - XXXX confirmed the " sim swap '' had occurred. That was then used to gain access to my email account which was used to reset password to Coinbase account. The attached document indicates notes/details of the incident and action and was submitted to the FBI - Internet Crime Complaint Center. I have not received any response or follow up based on that submission. As of now, I have also not been contacted at all by Coinbase and therefore have no access to my account and holdings. Also attached are screen caps of the notification I submitted to Coinbase again on XX/XX/2020 XXXX had submitted similar earlier at the time of noticing the incident but submitted again when looking for additional method of contacting since had not received any response by then nor any response based reporting incident to Coinbase using a number I was able to locate for them : XXXX ( supposed to be for reporting compromised accounts ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from American Express advising they were cancelling my credit card. I called and spoke to XXXX XXXX at American Express who advised me that the company canceled my account because of negative reporting provided by XXXX. I advised XXXX XXXX I don't have any negative information on my credit report and provided a copy of my all three credit reports showing so. I then spoke too XXXX XXXX on XX/XX/XXXX who advised they didn't understand why the account was canceled because there's no reason and transferred me to a department who requested reinstatement the rep 's name was XXXX XXXX ). I then Spoke to another rep XXXX XXXX and XXXX XXXX who also confirmed they showed no reason for cancellation and transferred me to a Supervisor ( XXXX XXXX in the XXXX department Ref # XXXX ). XXXX submitted a request for my account to be reviewed and the request was rejected stating that it's because of my XXXX score which is a different reason then what I was originally provided, which is incorrect because my XXXX score has been the same since I received my card. I've been given misinformation by the company, because they have no reason for the cancellation. 

I spoke to a Manager XXXX XXXX XXXX XXXX who advised that the because I hadn't used my card that was one of the reasons. I challenged that and asked why wouldn't they send me something letting me know that I need to use my card, he stated they don't need to provide that type of advanced notice. 

I requested the complaint / grievance and he was uncertain and wouldn't provide me with information. This is going to effect my credit and possibly my home loan. I'm requesting this company reinstate my account to prevent damage to my credit file. 

Please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per 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 2020-11-24 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: Consolidated Information Services Solutions, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2020, CIS XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations 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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I sent The Bureaus a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Im writing on behalf of XXXX veteran XXXX XXXX. His vehicle was repossessed late Tuesday Night/Early Wednesday Morning ( XXXX, 2020 ). He received no notification. He was even hospitalized. He called several times to rectify the issue. Last person he spoke with was XXXX, CSR who transferred him to XXXX in the recovery Dept. He borrowed a loan for {$5100.00} according to XXXX, ID XXXX XXXX recovery department ). The amount to recover his vehicle is currently {$5600.00} XXXX bal {$4900.00} ; Late Fee, {$47.00} ; Retun fee {$25.00} ; Repo $ XXXX {$5400.00} to release ; Towing {$150.00} plus $ XXXX XXXX. According to XXXX in recovery dept., USAA attempted to automatic withdraw {$320.00} XXXX payments $ 122 monthly ) & there was not sufficient money in the account ( created an overdraft fee for MrXXXX XXXX XXXX. I personally made a payment for Mr. XXXX from my account for {$320.00} on XX/XX/2020 ( MrXXXX XXXX is on a fixed income from social security dept of under $ XXXXmonth ). According to XXXX it was returned. I asked why she had no response. Another payment on XX/XX/XXXX she claimed was returned XXXX USAA refused because I dont give access for automatic withdrawal ). Mr XXXX made several attempts to rectify the account before repossession XXXX unknown vendor ). Complaints were filed with NJMVC because the dealer XXXX XXXX XXXX took the money & refused to give XXXX XXXX the title & invoice. The temporary tags shows the vehicle should have received permanent plates in XX/XX/2020. The XXXX XXXX PD, XXXX NJ towed his vehicle. XXXX XXXX refused to release it, claiming, he, Mr. XXXX must go & get it titled before it would be released. Lt. XXXX XXXX was contacted, he told Lt XXXX to call XXXX XXXX XXXX XXXX, XXXX NJ to release the vehicle. He did reluctantly ( We observed the owner, sitting in family dollar parking lot in XXXX XXXX XXXX NJ, staking out the car daily ). I received a letter from Lt. XXXX claiming the incident did occur but the officer was exonerated. The vehicle was registered XX/XX/2020. USAA is making unreasonable demand after they refuse payments from a Veteran who also suffers from XXXX. 
XXXX from the recovery Dept hung up on Mr. XXXX. He has no way to get to his medical apt & he needs his dot monthly. I had someone took him to the VA clinic on Wednesday. He was late because his ride was taken away without any form of notification & USAA refusal to accept payments made on behalf of the Veteran unless it was from the Veterans checking account. Terrible treatment of Veterans!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Store card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.

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