vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Two American Express accounts were opened fraudulently in my name 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX I have contacted American Express numerous times to get the information needed for the police report. Each time I call American Express, I am informed of different information and requirements needed to get the report. 

1st calls/conversations : The initial conversations I was told to mail in either a copy of a government-issued ID or a copy of the police report. I did this via USPS with a tracking number. 
2nd calls/conversations : When I called back to ask where this was in the process they informed me they had not received the document even though it clearly showed that it was received. The address was verified as correct. Additionally, I was informed that it must be BOTH the police report and copies of my ID and that since my original documents were lost that I could upload the documents to the website at www.americanexpress.com/XXXX. 

3rd calls/conversations : I had to call back again as I was not provided a reference number to upload the documents. In which I was informed that I could not upload them and that the must be mailed in. When I asked if my original document was received Ameican Express insisted the documents were never received even though they also verified the tracking number insisting it must have been delivered to someone else with all of my personal identifying information. Additionally, they informed me of a new requirement to submit a notarized affidavit along with all the other requirements. 

When I requested the instructions be provided in writing to prevent the continued miscommunication American Express has refused. They also have no resolution for the missing documents received verified via tracking. It seems it will be next to impossible to get American Express to assist in providing the fraudulent application information over to the detectives investigating. 

I have had this situation with one other credit card provider and none of the issues that I am having with American Express. I can not believe how uncooperative they would be in trying to help investigate a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: TX

Complaint narrative:
sent ftc of inaccurate information showing up on credit report XXXX, Transunion, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent ftc of inaccurate information showing up on credit report XXXX, XXXX, and Experian has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation, no knowledge, inaccurate account on my Experian credit report. 
FTC ID Theft Report # 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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There is an account listed on my credit file which is NOT accurate and I do not owe this and have disputed with nothing being received. My family has always had medical coverage. Please help assist Commonwealth Financial Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continually updates my credit report and each time I have contacted them for resolution. It appears they do not care, and in fact continually report in accurate information on my credit report. Firstly, they are reporting the Auto loan with XXXX XXXX as closed yet this account is opened. Secondly the amount owed is {$17000.00} and they put that the amount owed is XXXX XXXX XXXX XXXX dollars. Which is totally incorrect. Knowingly reporting false information, and abusing the FCRA rules. They also marked on this auto loan that it is repossessed and that its been late. Its never been repossessed. Its actuallt current, and I want these remarks removed and the account to be correct. 

Next on the list is that XXXX XXXX XXXX XXXX is reporting that I owe them credit cards, and also show me as an authorized user. I had identity theft and these charge offs were opened without my permission. I did notify XXXX XXXX. Secondly I have asked to be removed as authorized user countless times. They continually lie. 

Also, XXXX XXXX is reporting Charge offs. These accounts were also opened online, at an address I have never lived at. They were then charged off. I never once opened these credit cards, and currently have an investigation going with XXXX. 

Also I have never had an account with XXXX. I reported this to them many times but nothing has been done. This is a fraudulent account opened online, that I never received nor authorized. 

Lastly XXXX XXXX also show credit cards charged off, and a line of credit. They admitted to me they have wiped these debts off their taxes and books. They sold these off to third parties, and that they have no contract. Therefore I do not owe these debts. They were cancelled debts, not mine and I want my credit file updated promptly. Also I should not have any inquiries as I have not attempted to apply to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX XXXX XXXX. Nor XXXX, Nor XXXX XXXX or XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX. Please remove these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
Caine & Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have disputed this collection account from XXXX XXXX XXXX, XXXX on credit karma for the last 2 years. I've never had any association with XXXX XXXX XXXX. My phone line has been with XXXX XXXX XXXX for the past 5 years. I am led to believe that this IS fraud. I disputed with XXXX XXXX and noted that the balance is not mine and they need to remove it but to date they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Repeated calls to both me and husband. Silence each time we answered. Attempted to call back. Asked for personal information without clarifying the company or reason for contacting me. Man, XXXX XXXX was very rude and blamed me for not understanding him. I had to XXXX the company to find out it was a debt collector. We have received nothing in writing from this company. I have blocked the number as they have called three times in one day. 3 calls to me, and 2 to my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I received my Experian credit report in XXXX there are three inquiries that should not be there. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and XXXX XXXX/XXXXXX/XX/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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Because my information is embezzled, so many account I do not know when to open, I know have no regular bank checking account, any bank in the XXXX XXXX will not open a checking account, I want to ask why, because it is not my own, why do not give me, actually I am a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LMS Services, Inc.
State: WA

Complaint narrative:
I got this threatening call out of the blue from a phantom collections company ( identified themselves as " LMS '' ) that said I would be " served up court documents if I didn't pay off a nonexistent debt '' ... number in question was : XXXX ( XXXX ) XXXX called them bask asking for further clarification as to why they were calling and they said they needed to " verify my information so I could be served up the necessary court documents '' I replied I am not going to provide that information to you over the phone and then they retorted " we will see you in court then '' and they hung up. 

I am 99.9 % sure this is a complete scam and I want to warn others so they don't get scammed by these people

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation. I have no knowledge of the fraudulent accounts that appeared on my credit report. My FTC ID Theft Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I called to question late fees of {$38.00} from XXXX XXXX. I spoke with customer service. What was found is that since the due date on my account is the XX/XX/XXXX of the month and my payments came in at the end of the prior month the late fees are assessed because it is 2 different months. The bank refused to refund any of the late fees and told me they can't change the due date due to the account being closed. I want the account closed and am working to pay it off but am unable to because of all of the fees I am being charged because my due date just so happens to be at the beginning of the month. I have my payments scheduled for biweekly deductions and 2 to 3 payments are sent in a month. Her resolution was " is there any way you can get paid on the XX/XX/XXXX and just send the payment then ''. In the past year they have charged me {$500.00} or more in late fees due this. The customer service rep has verified that the way I make my payments does ensure that the payment is made and actually gives more payments then necessary however their system doesn't capture in the month it should because the due date is on the XX/XX/XXXX. If I send a payment on the XX/XX/XXXX it will go to that month and I will still be charged a late fee because the month is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MO

Complaint narrative:
I BELIEVE THE LOAN WAS XXXX BUT IM UNABLE TO VERIFY ONLINE WITH THEM WHISCH IS SUSPECT TO ME.THEY HAVE BEEN DRAFTED FROM MY CHECKING ACCOUNT XXXX EVERY TWO WEEKS SINCE XX/XX/2017. MY LOAN IS BEYOND PAID OFF AND EVERY TIME I TRY TO LOG INTO THE ACCT ONLINE THE WEBSITE DOESNT WORK AS WELL. IM PAYING BEYONG OVER THE AMOUNT THAT WAS LOANED OUT TO ME AN IS OUTRAGES IM STRUGGLING TO MAKE ENDS MEET DUE TO THIS ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: MD

Complaint narrative:
On XX/XX/XXXX, I mailed my mortgage payment to JG Wentworth in XXXX, NJ as I have done the last 4 years without any problems. Since I am less than 200 miles from XXXX, NJ, it only takes a couple of days for them to receive it. Last month, it took 21 days for them to post my payment. Although they waived the late fee, I still paid an additional 21 days worth of interest because they didn't post my payment timely. To stop any adverse action from happening, on XX/XX/XXXX, I mailed another payment. As of today, XX/XX/XXXX, that payment hasn't been posted. I repeatedly called them and checked online for the prior payment. They claim they couldn't find out. They were supposed to be doing a desk check for my payment. It wasn't until I called them on XX/XX/XXXX and threatened to call the United States Postal Service Investigating Unit and the Maryland State Attorney General 's Office on them that they miraculously find my payment. I know JG Wentworth is in bankruptcy ; however, I find their behavior to be unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2018, I sent a dispute letter to Experian disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Experian is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. You had ( 30 ) days to validate this information, and you failed to do that. 

Experian only put a statement about fraud and identity theft on my credit file. I also went as far providing proof, and I sent documents to Experian in my dispute that I am a victim of Identity Theft, Experian failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-05-03 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 — Card was charged for something you did not purchase with the card
Company: ZIONS BANCORPORATION
State: ID

Complaint narrative:
I had changed my card number at Zions Bank for a security issue and somehow companies I no longer do business with have obtained the new card number ending in XXXX without my authorization. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX NY {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$18.00} In addition, the card number was obtained by XXXX XXXX XXXX XXXX without my authorization. I wish to continue to receive this subscription. 

Zions Bank, XXXX XXXX XXXX, UT claims they did not give the number out.

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 2018-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am a victim of identity theft and I have sent a police report but Walmart says I had this card and benefited from it because payment was made on it.i believe the thief made payments untill they got the credit limit up and then defaulted on it.i never had a Walmart card and I never made purchases on it and the payments were all made electronically.nobody has shown me the original contract.i will not pay on a fradulent account and I will keep disputing this until Walmart realizes this is fraud.i spoke with the fraud department and the lady was very understanding.this is not mine to prove it is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation. I have no knowledge of the fraudulent accounts on my Transunion credit report. FTC report no. is 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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called jp morgan chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant inn the past Merchant : XXXX XXXX  XXXX XXXX XXXX transaction date:XX/XX/XXXX amount:XXXX dispute claim date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
{$350.00} Ive disputed this account several times asking for validation at this time Ive only been sent an itemized letter in response, no documentation bearing my signature was provided as requested by neither the creditor or credit bureaus. At this time I am seeking legal counsel for this matter as it gendering my success in building credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Friendly Finance Corporation
State: OH

Complaint narrative:
Friendly Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have been paying too the principal on my loan a XXXX XXXX Account : XXXX too Ally and they will not apply my payments to the principal with repeated phone calls and this is the last comfermation number # XXXX the agent told me his name was 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