vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 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 and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/2020 XXXX : {$440.00} Action : Asked for proof of a contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I have never received this. Please upload this document with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
3 fraud charges were made on my account XXXX XXXX, on the third transaction ( all fraud activity happened with XXXX XXXX ) I received a app notice from chase and requested if that charge was me or not. I said no and called chase and reported the other two fraud charges I saw prior on XX/XX/XXXX & XXXX on XX/XX/XXXX. 

All fraud charges were taken off onmy credit card XX/XX/XXXX, I froze the credit card and replaced it but have kept the account frozen even with the new card. In XXXX Chase reapplied the fraud charges. I've disputed that I didn't make those charges nor received the product ( Chase informed me it was XXXX XXXX ), I advised them I drive a 1996 XXXX and that I never owned a jeep or knew someone that did and to check my DMV records for proof. 

I advised chase to investigate and look for the ip address where the order was made as that will show it wasn't on my personnel device or PC and with Covid I haven't left my house and should identify the culprit. 

They are advising me that I'm liable for these charges but that shouldn't the case I reported timely and within a several days of the transaction. What are my options? The balance they are saying I owe is {$820.00} and at this time I don't have nor should I be responsible I identified timely the fraud to chase based on their monitoring tools.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
1. Company : venmo 2. What happened - tried to transfer {$2000.00} to my wife thru Venmo - my venmo account deactivated by violation of user agreement - no explanation why - {$2000.00} was reversed from my wifes venmo account to my account - I can not transfer from my venmo account to back to my bank account since they deactivated My venmo account - I escalated to their account specialist through email they said they will hold the balance for 180 days for loss protection and let me at the end of 180 Days - asked again what types of violation I made, but no answer from them - went to chat support and asked same question, but they said they can not answer since chat support is not account specialist team - there is no phone numbers provided at all for their account team. They said just waiting for email. But no answer from account team

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is refusing to remove a fraudulent collection account off my credit file. For the past year I have refuted and disputed this fraudulent account to both Experian and the collections agency themselves ( Credit Bureau Service ), with it's office in XXXX Arkansas over 10 times, submitting proof that I didn't even live in the state at the supposed time they list that I received medical treatment. This is originally a bill from XXXX XXXX  XXXX  for {$360.00}. They state that I received treatment in XX/XX/XXXX in XXXX MO. The major issue with this is I was living in XXXX TN 3 hours away, and didn't move back in the area until XX/XX/XXXX. My identity was obviously stolen! I also asked the collections agency for a detailed bill just to see if I could gain knowledge of who may have stolen my identity and they refused.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-08-22 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: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is trying to liquidate my home and not help me because of their own self inflicted financial problems. WELLS FARGO MUST RE-INSTATE MY MORTGAGE. THIS ARTICLE IS EVIDENCE THAT THEY NEED TO LIQUIDATE ME AND NOT HELP ME. THIS ARTICLE APPEARS ON LINE TODAY XX/XX/2020 IS EVIDENCE THAT THEY ARE IN TROUBLE. THEY MUST PROVIDE ME WITH A SOLUTION XXXX XXXX Wells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll XXXX XXXX XXXX hrs ago Inside XXXX XXXX, XXXX XXXX Virtual Hearing : What We Learned XXXX XXXX 's son, daughter die weeks apart XXXX logoWells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll Wells Fargo is resuming layoffs, as the beleaguered bank looks to cut costs to cope with the coronavirus pandemic and long-running regulatory issues that have hampered its growth. 
Wells Fargo has set aside billions of dollars to account for loan losses exacerbated by COVID-19s toll on the U.S. economy. Additionally, the bank is constrained by a {$2.00} XXXX asset cap imposed on it by the Federal Reserve. That asset cap was imposed as punishment for a wide range of misbehavior that emerged at the bank in the late XXXX, most notably a scandal in which employees opened hundreds of thousands of fake credit card and deposit accounts in customers names. 

The asset cap has hindered Wells Fargos ability to keep up with its competitors among major banks. Most recently, the bank has had to sell hundreds of millions of dollars in assets to stay under that cap even as competitors expanded their corporate lending in the coronavirus crisis. 

The latest moves come as Wells Fargo CEO XXXX XXXX looks to conclude a strategic review of the company that he launched upon joining the bank last fall.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Date : XX/XX/2020 Amount : {$2700.00} Action : I sent a letter and I asked for a request for proof of a contract to substantiate your claim. I asked to provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I did not request for an accont validation, and they sent me a account validation.

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 2020-08-22 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: DC

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.

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 2020-08-22 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 do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries : Date : XX/XX/XXXX Credit Name : XXXX XXXX NA Disputed numerous times Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Disputed numerous times Date : XX/XX/XXXX XXXX XXXX  Disputed numerous times XX/XX/XXXX XXXX Disputed numerous times XX/XX/XXXX XXXXXXXX  Disputed numerous times XX/XX/XXXX XXXX XXXX Disputed numerous times

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 2020-08-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX of 2020 I booked a vacation rental with XXXX XXXX  a vaccination rental company..I booked the trip for my daughters middle school XXXX.I paid a total of {$2100.00} to rent the property from XX/XX/2020 till XX/XX/2020 with my American express card.On XX/XX/XXXX XXXX XXXX XXXX company canceled my reservation due to corona 19 virus.I have attached my paid reservation confirmation and also the cancellation letter that was sent on XX/XX/XXXX from XXXX XXXX called XXXX XXXX Many time with out any luck of getting a live person.I then put a dispute on the charge. Since then I have talked to American express many times to many to count .And each time they say they will have a supervisor look at the dispute but nothing ever happens XXXX XX/XX/XXXX the balance of {$2100.00} is due in full or they will charge me a high interest rate and if i do not pay, it will go on my credit report.I have been a loyal customer with an excellent payment history.I feel like i am being taken advantage off. please help. I have attached all documents that were required and they are still not crediting my account. i have attached the documents so you can see. i thought this was a clean cut case since i have all the documentation so why will American express not refund my card!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
XX/XX/2020, received a letter in the mail that I owe {$5300.00} for XXXX XXXX XXXX Letter did not have XXXX account # or any details about why I owe this debt? 
Looked on Internet, and they are scam company, who drums up these false debts, report to your Credit Score, and ruin you r credit while demanding $ $ $ to repair the Credit Score. 

This is from my credit score : Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name SOURCE RECEIVABLES MANAG Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$5300.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Remarks Placed for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the  automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation