vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/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 2024-06-26 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: Chime Financial Inc
State: MN

Complaint narrative:
My Deposit was taken from my chime bank account due to a member hacking my account transferring my funds into there account. Once I contacted chime support about suspicious activity on my account the member told me on the phone that he seen my account transfer happened and since I was directly on the phone with chime support at the time of the fraud transaction, I was promised my money back. About XXXX hr later after filing a dispute with the chime dispute team I got denied right away without an investigation. I then went to XXXX XXXX XXXX  XXXX and filed a criminal dispute for XXXX XXXX of fraud. Chime support again opened my case due to me filing a police report, I still have not recovered my funds back and its been a process. ( My social security card is taken and my personal information is taken ) address, email, XXXXXXXX XXXX XXXX, bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX Social Security : XXXX Address : XXXX XXXX XXXX ter XXXX XXXX FL XXXX DATE : XX/XX/XXXX CREDIT BUREAU ADDRESS : XXXX. Box XXXX, XXXX, GA XXXX Dear Equifax, XXXX finally received a copy of my credit report today and discovered a few hard inquiry from your company. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. 

XXXX. INQUIRY NAME : XXXXXXXX XXXX XXXX  XXXX INQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX  INQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX. INQUIRY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to report a serious issue of harassment by a company named UPGRADE INC, XXXX XXXX XXXX, and XXXX TECHNOLOGIES. I have been a victim of identity theft, ( starting in XXXX of XXXX ) during which bank accounts, loans, and credit cards were fraudulently opened in my name without my knowledge. Upon discovering these unauthorized activities, I immediately reported the matter to the police and contacted all the relevant companies where these accounts were opened. All of the companies, except for UPGRADE, promptly closed the fraudulent accounts. I have videos, witness, harassing calls and text messages from a stalker who also broke into my apartment and damaged my property, including my computer from where he must have accessed my data. The delinquents changed my business email address, my email, they also wrote false checks, overdraft that account, I have close to XXXX inches of paperwork from all of the crazy stuff they did. I never eat at XXXX, someone was still asking for loans late XXXX... they made a telenovela drama size of all of this. They opened a savings account too, and applied to several credit card companies. 

Despite my repeated efforts over several months to resolve this matter with UPGRADE, they have refused to close the account in question. They have failed to provide any proof of making a deposit to any of my accounts or any relevant records. I have communicated extensively with UPGRADE and their affiliates, providing all necessary documentation, including police reports. However, UPGRADE continues to delay the resolution and seems intent on damaging my reputation. 

I request your urgent attention and intervention in this matter to ensure that this fraudulent account is closed and my name is cleared of any wrongdoing. XXXX is not acting in my best interest or is colluding with fraudulent creditors Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was out trying to purchase some things and my card declined so I tried to sign into my account and make sure my card was on. That was when I realized my account was XXXX so I called Chime. The XXXX told me I could get back into my account if I provided my social and pictures of the front and back of my ID. I told him how I only have the temporary copy of my license until it arrives in the mail and he told me unless I got it I wouldnt be able to have access to my {$50.00} that was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PLACID NK CORPORATION
State: TX

Complaint narrative:
I placed a transaction to transfer money to XXXX from my XXXX account to a relative in XXXX for family maintenance. After placing the transaction, every XXXX hrs, placid team started sending me emails asking for more and more information. After uploading pictures like DL copy, they texted me that they need more information and I have to call them and provide them more information. I asked them is this information needed by regulatory ( government ) or placid. I asked this question 5 times over XXXX phone calls and each time they responded this information is needed for Placid and not required by regulatory. When I denied additional personal information which is not required by regulatory, they cancelled my transfer without sending any communication. 
My Complaint is with Placid located @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX and their website is https : //www.placid.net

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: MD

Complaint narrative:
The company XXXX XXXX who is my mortgage servicer began overcharging my loan in XX/XX/year> by {$XXXX} due to a tax issue. XXXX XXXX claimed they were not receiving any taxes from my escrow account and XXXX XXXX was claiming they had paid it. After following up with XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX, we go to find out they had stop paying my taxes to the city of the XXXX half of XXXX. I also learned that some of my escrow money was missing. I have reason to believe XXXX XXXX has misplaced my escrow money or the company is committing fraud. 

I received notices in the mail regarding a tax lien being possible on my house from the city. I later finally got XXXX XXXX to issue a payment to XXXX XXXX to prevent my house from a tax lien. I have always made my mortgage payments on time and there was no reason for any of this to occur. They have illegally raised my mortgage rate every month since XX/XX/year>. 

XXXX months ago I got another later claiming that I have no insurance for my home. The company XXXX XXXX has been my insurance since I purchased the home. Supposedly, it was being paid by my mortgage lender XXXX XXXX. XXXX XXXX now claims that I have no active insurance or coverage. 

I had a new policy go into affect XXXX months ago with XXXX XXXX, myself and the agency reached out to XXXX XXXX to let them know that I was covered with my new policy information. XXXX XXXX claimed they had no record of it and used my escrow money to buy their own policy and coverage which I never authorized. I provided my policy information and I have been paying it monthly myself already. 

Now they increased my mortgage yet again by another {$XXXX}. They are claiming now that I am in negative escrow and this is why I owe this amount higher every month now. I have strong reason to believe that the company XXXX XXXX is within malpractice as a mortgage servicer. They have mishandled my escrow money and are now trying to make me pay for it.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$71000.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : - CXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXX XXXX - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I did not authorize these inquiries these are unauthorized I did not agree for my credit to be ran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I did not authorize these inquiries these are unauthorized I did not agree for my credit to be ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
XXXXebt was paid in full XXXX. Now I owe {$XXXX} no contact until collection agency contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit card account that I've had for nearly 12 years with them ( my oldest account on my credit history ). They did not notify of the closure before or after closing. There had been inactivity on the card for a while, but no communication that they were about to close the card if there's no activity in XXXX days/months. 

I recently discontinued using my card from another bank and planned on beginning to use my Bank of America card again. Unfortunately, I found out the hard way that it was closed whenever I tried to use it and my purchase was declined.

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 2024-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
This complaint is to reopen an existing complaint that I find has been closed out prematurely. Please see the following complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Mortgage ISSUE Closing on a mortgage Not only do I want the investigation to continue, but I just learned a few days ago, that for my reasons and other related reasons, a class action lawsuit was filed in a few other states against UWM XX/XX/year>, only a few weeks after my closing. This is not a coinsidence. 

Please advise as to how I can proceed further

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: IL

Complaint narrative:
I called Americollect and asked for verification of me having debt with them. This is a collections company trying to collect funds on a charged off account from a medical bill. I reached out to the company that had rights to collect funds on the debt and I was told that I could not make any payments because the debt had been charged off. I have received statements from Americollect and phone calls about a debt that they can not verify or prove that I owe them anything! I sent a letter asking for verification according to the Fair Credit Reporting Act 15 U.S.A & 1681. No proof has been sent to me. As a result the negative item needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Well this actually started in XXXX they wavied a late fee which was not late then even so i locked my card and now as i always do pay my payment on the XXXX th if every month and they say i am late now and charging me a XXXX late fee .You can clearly see they give u a sing and dance about dates and payment schedule as i said i have paid on or around the same.date for over a year and this has affected my credit score this is a horrible company and sunce XXXX they are trying more and more to get you socked with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXXXXXX XXXX XXXX Balance Owed : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXX XXXX XXXX Balance Owed : {$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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio recovery continues to call me after 10pm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation