vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Spring Oaks Capital has been attempting to collect a debt that is not owed. I have never given any authorization and or consent to the alleged amount owed or the reporting of this amount. Furthermore, THIS COMPANY IS NOT AUTHORIZED to conduct business in any state that I, the consumer, has resided, or currently resides. ( XXXX XXXX XXXX XXXX ). I am perplexed on how this company continues to harm my personal credit with derogatory data entries for a debt never owed to them, and a debt that even the original creditor reports as {$0.00}. This has been an ongoing matter and Spring Oaks continues to display its disregard for federal laws placed to protect the consumer as well as the functionality of commerce as a whole. This company has caused great harm and distress and does not even have the lawful authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I TRY TO DISPUTE INFORMATION WITH TRANSUNION, XXXX, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I TRY TO DISPUTE INFORMATION WITH XXXX, XXXX, EQUFIAX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus are inaccurately placing addresses that do not belong to me under the credit file provided to the social security number provided to me. The attached addresses need to be removed.

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 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Mortgage Servicer Transferred to Specialized Loan Servicing, effective XX/XX/XXXX. The XX/XX/XXXX payment had already been made to, and deposited by, the previous loan servicer. I provided Specialized Loan Servicing with proof that the previous servicer had sent them the XXXX payment. The proof is a copy of the previous servicer deposited check, and their Wire sent to Specialized Loan Servicing on XX/XX/XXXX. 
I have also spoken to several of their lower level customer service representatives who are not able to help in any way, just place their daily harassment calls. Those calls are supposedly recorded. 
Specialized Loan Servicing states they are looking into it, but in the meantime, when I paid my XXXX payment, they applied it to XXXX, and as of XX/XX/XXXX have already started making collection calls asking where my XXXX payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank XXXXXXXX some one apply for that account its not mine.I never get a credit card the card is in some body else name. I dispute in the XXXX, XXXX and they remove from the report but XXXX XXXX refused to move the account for over XXXX year and half. Can someone help me with them when they open? XX/XX/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 explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are inaccurately placing addresses that do not belong to me under the credit file provided to the social security number provided to me. The attached addresses need to be removed.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are inaccurately placing addresses that do not belong to me under the credit file provided to the social security number provided to me. The attached addresses need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/22 and XX/XX/22 credit cards were applied for using my business information with XXXX XXXX Bank XXXX They denied the applications. The reference numbers for the denied applications with Chase Card Services are XXXX and XXXX. They sent me letters acknowledging they were denied due to what appeared to be fraudulent activity. I contacted XXXX and disputed these two inquiries which appear on my credit report and they recommended that I file a complaint with you to have it on record and perhaps this can help you catch these perpetrators.

To be clear I am not disputing anything with Chase Card Services, they have done everything they are supposed to. I am hopeful in contacting them you may be able to collect information such as the fraudulent application and find the people who tried to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX I had deal in place to buy a XXXX XXXX XXXX XXXX XXXX XXXX with XXXX miles. From XXXX XXXX. I was told that XXXX owed money on the vehicle in order to get the title. I deposited ( 2 ) checks 1- {$5000.00} on XX/XX/XXXX and a XXXX on XX/XX/XXXX for {$20000.00} with the balance due upon receipt of vehicle and title. 1 month goes by and the seller disappears. A call was placed to XXXX XXXX to report fraud on XX/XX/XXXX to the fraud department. I was told by the NFCU representative that they can see the transactions and there was nothing they could do since I did not have the account holders real name. I asked does this not count as fraud? The rep continued on saying there is nothing she could do. There was no fraud investigation started by the bank or a freeze placed on the account. Navy Federal Credit Union failed to protect me as a member against money laundering and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a debit card fraud claim on XX/XX/22 The following are the transactions : See attachment Chase has stated to me that they have determined that these charges are valid. I reported the charges within the required timeframe. They have not provided me in writing they reason and evidence used to determine denial that I requested. 

Total unauthorized charges are {$5500.00} Chase was recently debited the charges from my account, causing my checking account to be at a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been a customer of Bank of America for over ten years. the past 3 years I have had to dispute charges I didnt make and also replace my debit card 3 times in the last 2 years due to fraudulant activity on my account. Most recently on XX/XX/XXXX of 2022 I had too small charges pop up and a text came from Bank of America asking did I make these charges I said NO ... then a male clainming he worked for the bank asked was I trying to XXXX transfer money to some random person- I said NO. He stated all the values in my four accounts with the bank 2 are mine 2 my husbands. He said I had to enter a code to stop the transfer which I did. He said he was XXXX XXXX in the fraud dept. In fact he was lying and transferred money out of 3 of my accounts for a total of XXXX plus dollars.. I called the bank immediately to report this fraud they advised they would investigate and get back to me in 15 to 45 days. On XX/XX/XXXX I got the first of 3 letters stating that they had investigated this basically stated I did the transfers myself and that is not what happened on XX/XX/XXXX I called the Fraud dept again they said that they reached out to the bank where my money went and they refused to reimburse my money. BOA - basically offered me no help no recourse and they DO NOT protect accounts as they should. they didnt not even investigate this they sent out a letter in less than ten days even with Holidays included that just said this was my fault and it was not. This was a fraudulant theft of my accounts and they have done nothing. I can provide the letters they sent me in print or the emails they sent but I couldnt get them to download here.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander consumer USA, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered Santander Consumer USA XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to XXXX and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 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 2023-01-05 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-01-05 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: NC

Complaint narrative:
I have sent XXXX dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX XXXX since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-01-05 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: GA

Complaint narrative:
Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.

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 2023-01-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
I had anesthesia procedures during XXXX and XX/XX/2020. During those procedures, I needed to receive anesthesia. I was asked to provide my XXXX card because I was told that XXXX would pay the providers ; I also have secondary insurance and that info was also provided. My physician and the facility both received payments via XXXX. Apparently, The XXXX XXXX ( the Company ) did not receive payment.

I learned of the non-payment when I started receiving bills from the Company. I called and inquired but was told that the Company had submitted claims to XXXX numerous times and the claims had been rejected rather than processed. Initially, they agreed to try again after I determined that the other providers had been paid. I noticed that bills I had received from the Company had been addressed to a person with a name similar to mine but not identical to my name. The name used included a suffix that is not part of my name and therefore is not on my XXXX card. Because I thought that might be a reason for the problem, I called and pointed out the problem but the erroneous billing continued. I sent letters to the Company informing them and asking them to stop billing me. One of the letters is forwarded with this complaint.

The Company forwarded bills to National Recovery Agency ( NRA ). After that, I spoke to NRA and forwarded part of my correspondence with the Company. NRA subsequently informed me that it had returned the bills to the Company without taking any action. But that did not stop the Company from billing me. When the bills continued to be sent, I contacted XXXX. A XXXX representative informed me that the Company had finally submitted a claim that was eligible to be processed. The representative additionally informed me that the claim had been denied because XXXX received it too late and that I was not responsible for paying any amount whatsoever to the Company. A transcript of that chat is included with this complaint. The XXXX representative also offered to send written documentation, which I subsequently received. Relevant pages from the documentation are also included with this Complaint. The representative also stated that the Company had been informed.

I continued to receive bills. I wrote to the Company to remind the Company of the XXXX action. The Company once again did not respond. 
At some point, the Company again sent its erroneous bills to NRA. NRA caused collection notices to be included in at least the XXXX credit report and possibly other reports. My credit rating has been seriously adversely affected. I have forwarded documentation including items forwarded with this complain to NRA. NRA has declined my request to withdraw the reports it has recently sent.

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/22 I went to a XXXX atm in XXXX Ohio attempted to withdraw {$320.00} and the atm give me XXXX XXXX dollar bills so I disputed the charges with cashapp and they said they found no wrongdoing and now my cashapp is still in negative even tho XXXX admitted that the atm was pack wrong now cashapp is not replying to me at it being 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.

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 2023-01-05 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: GA

Complaint narrative:
Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.

Company response to consumer: Closed with explanation