vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
On XX/XX/2012 I received a notification from XXXX that there was an update to my credit file. While reviewing the update it showed a collections account through National Credit System in the amount of {$11000.00}. I personally reached out to National Credit System to obtain information on this. They said that they were a collections agency and this was a collections account for rental property called XXXX  XXXX XXXX. The rep at National Credit System that there was a rental property that was completed online under my name for an individual by the name of XXXX XXXX and was never moved into. This is something that was done without my knowledge and not something authorized by me. I have attempted to reach out to XXXX XXXX XXXX to obtain information around this rental and report it as fraudulent over 5 times unsuccessfully ( 3 times via phone and lm with receptionist for management to call back and then 2 times from the site with my email as a point of contact ). I am personally reaching out to obtain information and start the process of reporting this as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
Automated Collection Services claims that I owe {$4100.00} to XXXX XXXX. I have informed them several times that I have never had an account with XXXX XXXX. I've asked them to show me an agreement in which XXXX XXXX authorizes them to collect on this alleged debt and I've also asked them the show an agreement with XXXX XXXX that bears my signature. They've not been able to provide me with either. They can't because I've never had an account with XXXX XXXX. This company is beyond horrible. They bought this debt for XXXX on the dollar and want to make a quick buck by any means necessary even if that means not having proof that you owe a debt. Unethical companies like this should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 money was taken from my account. I reported this illegal activity to my Bank of American the following day when I saw that this activity had taken place. I realize that my Bank of America debit card was missing from my wallet. I provide Bank of American a written statement about this incident and even provided a police report. Bank of American refused to reimburse me for the XXXX dollars that were taken from my account.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
45 calls in less than a few weeks and now they are calling 2 or 3 times per day plus calling family and friends. 

Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
On XX/XX/2021 I opened up an account with Binance US Exchange in order to purchase cryptocurrency. They have a $ XXXX daily deposit limit so I began the deposit process and started purchasing crypto daily and all seemed fine. On XX/XX/XXXX I suddenly found my deposits getting " Failed! '' and for what reason I do not know because I had more than sufficient funds in my attached ACH to cover the deposits. I did everything possible to find out why such as filling out support tickets but all I got back were emails with a standard generic response saying to add another ACH account but it absolutely did not work and it was attempted a number of times. They have no phone number for customer support so the options were few and it doesn't appear they even read the support tickets because the same automated response is given each and every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2021 Lawsuit has been and a court date set filed by my attorney in XXXX XXXX in Civil court against USAA false claims on my credit report and failure to conduct any investigation of fraud on my account. I have had USAA served and no response at all from USAA. They also bullied me into paying {$1800.00} of the fraud charges due to they knew I am XXXX XXXX XXXX and cant have bad credit. 


USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX XXXX living on XXXX XXXX. Why would I ruin XXXX years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit. 


ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: RR Resource-Recovery
State: NY

Complaint narrative:
I sent a letter requesting that the provide me with a statement that the debt was paid and report it to the credit agencies, they have refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
At some time mid XXXX, I became a victim of a scam based on the lies of a loan company after applying for a loan, on line. As a result and many 'conversations ', the bank, Chase Bank , first said they were closing my account after a suspension of my access to the account, this was maybe early to mid XXXX ... which they never did despite telling me repeatedly that was the 'process ' and the 'bank ' had made the decision to close the account. 

My access being 'limited ' I could not watch the flow of what was taking place. Calling the all access, automated number I could listen to what was taking place. Plus I had different companies calling me telling me my payments had been paid at first but then reversed ... telling me I owe them more money. 

Not only that they, Chase Bank, kept my Social Security check to cover some of the money they say I owe them stemming from the 'scam ' I had been exposed to. There are several actions with that Social Security check such as a debit, a credit & a returned ... what does that even mean? 

While I have tried to communicate over the phone, everyone transfers me around until I speak to a department with a bad telephone connection. Most times with the same accent of those who pulled the scam. Ends up being no direct answers, just more lies & confusion or putting me on hold until there is a disconnection. 

Went in to a branch at least twice and got told more lies about the disposition of my Social Security check plus confusion with statements like 'call this number ... they will be able to tell you more, I have no more information ' ... same number I was calling that had the bad connection every time I called. 

Truth be told, after all I have gone through attempting to resolve this issue, I truly believe the bank was part of the 'scam '!!!! My account, per telephone automatic system in now {$3100.00} dollars 'overdrawn '. This even after reversing legitimate payments I have made to merchants & holding my Social Security Check ... the whole thing, plus all the lies I was told about my stimulus check ... which they sent back to the sender. 

Something is not 'legally ' right about the way this was handled, the lies I was told, the lack of information & the activity on the account even after I was blocked from seeing what was taking place. I can no longer go round & round!!! 

I was the one who was scammed based on the lies I was told by the scammer. I would have chosen different if the truth had been told. Instead I feel as though I am being scammed again by the bank ... they are even taking back money that was truly owed to merchants ... this can't be legal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I recently opened an Auto Loan with Mazda Financial Services ( MFS ) for a new car. Shortly after opening the loan - XX/XX/21 - I received a Privacy Notice from MFS regarding my Privacy Rights and my right to limit the sharing of marketing information to their affiliates. 

On XX/XX/21 I responded that I wanted to limit the sharing of my personal information for marketing purposes to MFS affiliates and non-affiliates. I requested a letter or email to confirm this change had been made. 

On XX/XX/21 I called MFS Customer Services to inquire why I had not received the requested notice. The Customer Service agent informed me she saw the requested change had been made to my account. When I again requested a written confirmation of this change to my account I was told that MFS did not send confirmations of those changes. 
I consider this a significant change which ensures I protected my privacy to the extent allowed by law. I do not know why a confirmation was not sent. If I had changed my financial contact information I am sure I would receive a written confirmation. I consider my privacy rights every bit as important. I am not satisfied when I can not receive a confirmation of changes I made in that area. It causes me to suspect a motive - not beneficial to my request - on the part of Mazda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX I have documentation for all I am disclosing if needed. So I have XXXX XXXX they said my score was XXXX Transuion good XXXX XXXX Excellent. So I applied for a loan.The bank said my credit score is XXXX and stated that this is XXXX score and the loan was declined. I contacted the bank they said this is my score from XXXX. Then I pulled my credit score from iXXXX it said XXXX transunion XXXX XXXX and XXXX 674. I also pulled Transunion score it said XXXX. Please tell me what score is correct this is very unfair to consumers if I knew my credit was in the 600s I would have never applied for the loan and would have worked on improving it. I retrieved these scores by following the letter from the bank.

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 2021-04-22 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a call from someone who claimed herself as FBI officer and she told me my ID was being abused by someone doing drug trafficking and money laundering. Also, my ID and SSN have been used for multiple bank accounts and in order to differentiate my accounts and the imposter 's, I need to transfer all the money in my account to another account she appointed. I initially thought it was a fraud so I hanged up the call but soon later someone called from XXXX and claimed himself as the police officer and told me that was real and I must follow the instructions. I XXXX the number calling from and it does belong to the government agency. Therefore, I wired the money out. Later they asked me to liquid my stock portfolio and wire more money to them, I realized I have encountered a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report immediately

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 2021-04-22 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased a vehicle from " XXXX XXXX XXXX XXXX '' in XXXX, Florida. The salesman lied and sold me the vehicle, and the only paperwork I signed was with the understanding that I was purchasing this vehicle for a total amount of XXXX. I then receive information from Credit Acceptance stating I owed XXXX. I have never signed or agreed to such a ridiculous amount for a 2014 XXXX XXXX ( former police vehicle stripped I might add ) close to 10 was pushing it. When I contacted the dealer, he stated not a big deal to call the credit company and refinance. I never agreed to this amount. He was very rude then, and no longer wanted to speak of it. My mother called him as well she was also met with very nasty, rude and unprofessional behavior. We then tried to explain the situation to Credit Acceptance, sent the forms we have showing the significant difference in price, and they just referred us back to the dealer stating they could send the forms, but had nothing further to do with the situation. I am not sure what transpired, but I do know that I did not electronically sign my name to XXXX. The total never came up and was never discussed. I would have never agreed to this amount. I no longer want this vehicle and know that I was scammed during the pandemic with the knowledge that resources were very limited.

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 2021-04-22 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: CA

Complaint narrative:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
FEDERAL TRADE COMMISSION XXXX XXXX XXXX, XXXX, XXXX XXXX 

morning_______, After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for XXXXhree serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception This email continues with my personal information and 13 yr old address along with my social security number. This complaint states its coming by the federal trade commission. 

Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 
Copyright XXXX FTC| Privacy | Terms of use Thanks & regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: IL

Complaint narrative:
I am a victim of identity theft This collection agency is not only reporting fraudulent account but also aware that this account is fraudulent, I sent in my police report and my FTC affidavit that is notarized. they keep verifying this fraudulent account and are not responding to my dispute. I have never had any goods or sevices with Kimball Tire aSt John or XXXX XXXX yet they knowingly and willingly reporting this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been banking with Huntington Bank for a few years now. 
When I open a business account I was promised a XXXX $ payback for the account if I opened and paid off the credit card quickly. Needless to say, I never received this money back and past the point to care. 

What I am upset about is I have been paying gon this card more than the recommended amount and maybe a day late never much more ad they have unannounced pulled my credit info twice now to lower the amount without my authorization. 
What it is, is they are seeing what I am moving around with my other accounts and because I do not pay off their amount first, they are dinging my credit score to lower the amount.

Unacceptable by any bank to do this without any announcement.

Company response to consumer: Closed with explanation