vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-12 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:
I am a Victim of Identity Theft. I did Not give any Consent to anyone to open any Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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:
I am a Victim of Identity Theft. I did Not give any Consent to anyone to open any Accounts

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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
As of XX/XX/2020 I could not access my Chime Bank acct. I called their official customer service line. They stated there was a problem with my acct and the ONLY way to fix this was by remote access. I only trusted this because they are bank employees. I was uncomfortable with this whole process but needed access to my acct to pay living expenses. They said XXXX XXXX is part of Chime bank that they would transfer some of the BANK 'S MONEY to cash app and see if my acct would accept transfers and withdrawals. To my horror I watched as they took everything I had {$1200.00} by the time I realized it was MY MONEY they had used it was too late. Have been fighting with both institutions for 4 days to return my money. The last call I got, they said my money would be returned to my acct in 24-48 hrs still no results. The largest amount taken at one time was {$790.00} it was sent from XXXX XXXX to XXXX. That transaction now neither shows on Chime bank records or XXXX XXXX records. I need my money back ASAP it was all I had. I'm a XXXX XXXX who is XXXX yrs old and I work part time to make ends meet. For me this is a financial disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
This was initially a loan that was like a payday advance loan that was tied to our checking account through Regions Bank. It at some point changed to a line of credit that I assumed I could only access through our checking account-like an overdraft line of credit. We closed our checking account and I [ wrongly ] assumed the overdraft line also closed. It did not. They charged us an annual fee that I was not aware of. Then charged us two late fees on their annual fee. A fee for a fee??? They also reported it on my credit report as 60 days late. I have no lates on my entire credit report for 7 years except for this insane issue. I disputed through the credit bureau they will not remove even though Regions removed all of my charges and closed the account when I contacted them about their error. Can they really do this? Make my credit take a huge hit because of reporting late over a fee!

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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the victim of identity theft with Bank of America. A bank account with a debit card and a credit card were opened without my permission using a false address. I do not know who opened these accounts. I have been working since XXXX to get this issue resolved and Bank of America continues to send me harassing letters. 

Bank of America allowed my identity to be stolen and now to resolve the identity theft situation, they want me to send them copies of my Social Security Card and my driver 's license. The company that allowed someone to use fraudulently use my Social Security number wants both a copy of my Social Security Card and my driver 's license. 

I believe that this request is unreasonable given that my identity was stolen, I do not provide my Social Security Card or my driver 's license to anyone who isn't authorized to securely store this information. 

Sincerely, XXXX XXXX XXXX The XXXX XXXX XXXX, FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, XXXX I realized that I am a victim of Identity theft for over seven fraud accounts were opened under my name, this happened after I requested the three annual free credit reports on XX/XX/XXXX. Although, one of the fraud accounts was already charged off in XXXX " JPMCB- CHASE Credit Card '', however, I insisted and went ahead and reported this JPMCB Card with all the three credit bureaus more than once, I also contacted the fraud department and the recovery department of Chase Bank XXXX than once trying to remove this fraud account from my name. My last contact was around XX/XX/XXXX, eventually they asked me to fax or mail many documents as a proof of identity theft and proof of address of when the fraud was committed. Accordingly, on XX/XX/XXXX, I faxed all the required documents including ( Cover letter & personal statement, Police Report, FTC ID theft Report, 3 different proof of addresses documents ( Back dated to when the fraud was committed ), Proof of Identity ... etc. 
On XX/XX/XXXX, I received a letter from CHASE Bank stating that Chase has provided the three credit Bureaus with the correct information, however, after I called Chase on XX/XX/XXXX to know what does that mean, they stated that after their investigation, they found out that the account was valid and not fraud. I want to escalate this case please and remove it from my name, and willing to help the authorities in any investigations or information they seek.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12 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: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN

Complaint narrative:
in XX/XX/2020 I noticed that my credit report showed 2 missed payments on my credit report from XXXX, XX/XX/2020. I filed a dispute with XXXX and XXXX in XXXX. I received a letter about a month later saying that the information was accurate. At that time I filed another dispute. I have never missed any payments or paid late. In XXXX I also reached out to CITIZENS SAVINGS AND LOAN XXXX TN and requested them fix the problem. They claimed they never reported that error on my credit. In XXXX, I received another letter from the credit company saying my dispute was closed and reported as accurate. So in XXXX, I filed a complaint with the XXXX XXXX ( XXXX ) I received a letter back from the corporate office saying that that had force placed insurance on my account because they did not receive proof of insurance but that once they received proof of insurance they credit back my account and that was where the problem occured. She said this issue had been corrected and a correction form was sent the creditors. So I went in and looked and indeed it was corrected. But 2 weeks later, by XX/XX/XXXX, It was now showing 3 months missed payments! So I contacted the corporate office directly and she denied any wrong doing and said she would resubmit the correction. A week later, by the second week in XXXX. My credit was fixed again. UNTIL FIRST WEEK OF XXXX. NOW IT IS BACK ON THERE AGAIN!! 3 MISSED PAYMENTS. No one is doing anything to fix this. It has been detrimental to our credit and prevented us from buying a house or ANYTHING! I have been fighting this for four months!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made a XXXX dollar payment on XX/XX/2020 and a XXXX dollar payment on XX/XX/2020 to my Capital One Credit Card to allow for more spending on my limit for a planned trip. The Payments was made from a Capital One Checking Account and was withdrawn on the same day as the added documents will show. I called the customer service number and even spoke to the supervisor and they said it does not matter if they have received the funds or not there is a 8 day hold on my payment. So they took the money from my Checking Account that same day and credit my Credit Card account with the same funds and they have an 8 day hold to make sure the withdraw is cleared? I pointed out it was already cleared according to the Capital One online account dashboard and transaction listing. He said he can not over ride it. So where is my money? What are they doing with my funds if I can not have access to the funds? Where is the interest on my checking account for those eight days if they are holding my funds. Capital One is unlike any other bank I have worked with where they put a hold on funds they have already received and deny the customer access to those funds even thou their own system shows it has cleared. I have a {$500.00} dollar credit limit or supposed to. As noted in the provided documents you will see I have a balance on my card of {$270.00} and yet my limit is still XXXX dollars that shows indeed they received the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX  and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my business.

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 2020-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my 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 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX  failed to prove their account belongs to me. While in the process of validation the account was sold to Associated Credit Services.

Associated Credit Services has also fail proving their account belong to me. Neither XXXX nor Associated credit Services are Holders in Due Course. 

XXXX reported a balance of {$100000.00} and Associate Credit Service reported a balance of {$97000.00} each reporting the same account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 Wells Fargo notified me that they had detected unusual activity on my account. my credit card was used to make an online purchase at guitarcenter.com in the amount of {$1100.00}. The item or items were shipped to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and signed for by whoever had ordered this item or items ( which is the supposed reason why WF decided this was not fraud ). I didn't realize someone had used my personal info to change my mailing address on XX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX XXXX and have never been to XXXX On XX/XX/2019 Wells Fargo shipped a new replacement card to me as requested after trying to make a dispute for the charge of {$1100.00}, however I did not realize it was being shipped to this new address in GA. I did call Wells Fargo to let them know I did not ask for an address change, and to change my address back to my home address ( XXXX XXXX ). They then " cancelled '' the credit card that was originally sent to GA, and sent a new one to my actual address. I went in person to Wells  Fargo on XX/XX/2019, to speak to a manager and to again dispute this outrageous charge, to which they said they could not help me and told me I needed to call XXXX XXXX. I closed my account with them on XX/XX/2019. I received a call from whom I assumed was a creditor representing Wells Fargo saying they would be closing this case. I then began receiving multiple Bills via email and USP mail from Wells Fargo demanding I pay for these charges, and also the interest that had been accumulated for the months following. Since I have refused to pay this debt that is absolutely not mine, my credit score has dropped significantly, and Wells Fargo has been no help at all, though I've attempted to call and speak to different Managers  my issue has fallen on deaf ears. I did file a police report on XX/XX/2019 with SJPD.

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 2020-09-12 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:
This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I went to wells fargo bank to look into opening a Coogan account ( Blocked Trust account ) since I already have checking and savings accounts there. After they started requesting additional information for internal bank paperwork that i could not provide, I contacted my agent who told me to open an account elsewhere since that information is not a requirement for opening a coogan account. I decided to listen to their advice and told the wells fargo banker I did not want to move forward with opening an account and I declined to sign the authorization paperwork. After I left the bank I recieved a call from the bank manager who verified my reasoning for declining the account and also verified that the account was not opened and only profiles were made for myself and my son. On XX/XX/XXXX I receive an email stating my account balance is XXXX. I checked my wells fargo account and found that they had went ahead and opened an account without my authorization. On XX/XX/XXXX I called customer service and asked them to close the account because it was fraudulently opened. They said that because it was a blocked account and opened under fraudulent circumstances it needed to be investigated and provided me a case number and phone number telling me someone would call within 48 hours of hanging up. I asked if the upcoming Labor day holiday would or would not count towards the 48 hours and the representative told me that while the banks would be closed the investigation office would remain open so to expect a call on XX/XX/XXXX. I did not receive a call on XX/XX/XXXX or the following day so I called on the XXXX and found the person who was assigned my case, XXXX XXXX or XXXX, was on another call and was told that he would call me back after his call. He did not call back that day or the next. So I called again on XX/XX/XXXX and XXXX was apparently in a meeting and would call me back. The representative told me that XXXX had 24 hours to call me back and to wait. He did not call me back the remainder of that day or the next and I told the representative that I would be making a complaint to the CFPB since they opened the account fraudulently AND they were refusing to close the fraudulent and unauthorized account that I did not sign for nor request.

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 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion keeps leaving the same information on my report that is not mines

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 2020-09-12 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:
This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this

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 2020-09-12 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:
This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this

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