vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information

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 2022-04-07 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: DC

Complaint narrative:
On or around XX/XX/22 I submitted a dispute for fraudulent inquiries appearing on my Equifax Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the XXXX  XXXX Police Department ( XXXX ). 

Despite this, Equifax failed to block the information. On XX/XX/22 Equifax sent correspondence state that they are not blocking the information, but instead will contact each company. The letter goes on to state that in order for Equifax to block information under Section 605 ( B ) I must provide proof of identity, 605B of the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of my FTC Identity Theft Report or police report regarding the identity theft. 

Given that all of the information that is required to block fraudulent information was already provided Equifax and was received by Equifax as evidenced by certified mail receipts, they are required to block this information. Equifaxs ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was applying for a bank loan and discovered that a credit card had been issued through Chase Bank ending in XXXX on XX/XX/XXXX using my social security number XXXX XXXX address, but the numerical portion of my street address is off by XXXX number ( the bank would not tell me the street address ). The card has a balance of {$4600.00} and the last payment was made in XX/XX/XXXX. I called Chase Bank and reported the fraud, asking that they cancel the card. I called all three credit reporting agencies reporting the fraud and placing a one year fraud alert. I want to find the neighbor who has done this, report them to the authorities and press charges. Most importantly I want to know that this person does not use my personal information for any additional fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have been a customer with the Victoria 's Secret credit card for about fifteen years. I called to ask for a late fee to be waived but they refused. Both the customer service representative : XXXX, and the account supervisor XXXX said that I was not eligible because they only waive them once every 18 months. 

I explained my situation to them, which is as follows : I have been XXXX XXXX XXXX and have missed work. Furthermore, my payroll has not been adjusted so that I can receive COVID-19 pay. 

I would like to know why after fifteen years as a loyal customer, this bank can not and will not waive a late fee so that I can catch up? This policy of once every 18 months is not a one size fits all, particularly during these incredibly difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Need release against me loan is very old and has been purged but they don't send letter or fax to state that .... that is chase Bank. I've talked to multiple times and still nothing ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello My husband had opened an account through citibank last XXXX 2022, we were able to open the account with no issue, i was able to do a deposit with no problem and I did set up that account for may payroll. And then a few days after I received a notification saying that my account will be closed without further notice, I have been calling them ever since, they keep calling me that our account is on a process of being closed and that we have to wait until it's done and they will automatically send me my funds to the mail once it was over, I have been following up to them ever since, they haven't notified me or anything in regards the issue, I have atleast {$1900.00} in that account and now they are not giving me my money back. I almost lost my house because of them not releasing my money, I tried the best I can to resolve the issue. But they can't even give me a proper explanation on why are they not giving me my money.

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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
We entered a forbearance agreement as a result of lost employment because of the COVID-19 pandemic. We applied for a loan modification months ago. 60 days passed. We contacted Citizens and were told to not pay the mortgage while they had our application under review. Meanwhile, the loss prevention arm of the bank reported a missed payment to the credit agencies. We disputed. They denied the dispute.

We followed up again to inquire about the status of the loan modification. More than sixty days passed. They told us that our application had not been processed ; however, previously we were told to give them 60 days. 

We never received word about the loan modification. We submitted by email and via their online portal. We paid the mortgage. XXXX will be the third month since coming out of forbearance. 

We both are employed again and now we simply want to refinance to consolidate our loan to a 15 year mortgage, but we fear the late payment reporting will keep us from being able to achieve this goal. 

The communication from Citizens Bank has been extremely misleading. They have not communicated about our loan modification, even though they verbally promise that we will receive notification " within a week '' each time we call. 

We don't have a history of default prior to the pandemic. We feel as though their practices are dishonest and unethical. They refuse to listen to their own recorded calls, or follow their own policies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I had a collection from AMSHER COLLECTION SERVICES that I disputed through all XXXX credit bureaus, in which both XXXX and XXXX ended up removing completely. I have disputed this MULTIPLE times with XXXX both by paper and electronically, but for whatever reason they will not remove it. I sent a debt validation letter to the actual collection agency claiming no responsibility for the debt and for them to validate the debt/validate that they can even collect in my state and requested this information be sent to me in the legal time frame per the Fair Credit Reporting Act, which is 30 days. I sent it as Certified mail with return receipt requested on XX/XX/21 and I got the green card back signed a few weeks later that they received it. I didn't receive anything back from them in response to my letter though until the end of XXXX, where they only sent me a copy of the bill I owed and nothing else ( no validation that they can collect in my state as requested ). I sent a letter to XXXX with copies of EVERYTHING and told them that it needed to be removed from my credit report since the collection agency did not respond in the legal appropriate time, but they ended up just sending me a letter that reflected my credit report with them and that they couldn't remove it because it was a valid debt ; not even addressing that the collection agency responded way past 30 days. I again disputed it online a few times after that but to no avail. Upon checking my XXXX account again this morning, this collection from AMSHER COLLECTION SERVICES is now showing on my report TWICE, which has decrease my score XXXX points. I am at the point where I am exhausting all avenues to get this resolved and am now at the point of considering hiring an attorney for this matter. The Fair Credit Reporting act and consumer protection is of no use whatsoever if credit bureau 's overlook the actual laws that are in place. I am being setback from purchasing a home because of this and I want it addressed and resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
I had unauthorized activity occur on my debit card and money was stolen from my account at the ATM. {$1600.00}. i called the bank as soon as i realized i had money missing from my account and they filed a claim for me, and gave me provisional credit. Today XX/XX/2022 my account is now negative because they Reversed the provisional credit and i cant get through to anyone.. this is absolutely unacceptable as i thought my money was protected if it was stolen from me through Regulation E regardless if PIN was used.. Ive never had any issues with US BANK before.. 

My Bank Refuses To Give Me My Money Back

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
XXXX XXXX Account was opened on XX/XX/2019 XXXX XXXX I have never had an account On on XXXX credit buearus as a collection Amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX/ {$2100.00} / XX/XX/2019 XXXX / {$2900.00} / XX/XX/2019

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 2022-04-07 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-04-07 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate

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 2022-04-07 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:
My company called XXXX XXXX, sent me an email saying that someone was trying to open an account in my name. The company is called XXXX XXXX, XXXX, the credit company that reported it was Experian. I have never heard of this company. They told me to file a complaint with XXXX XXXX XXXXXXXX. This is what I am doing. I will then look for the number 1 Identity theft protection plan.

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 2022-04-07 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: MD

Complaint narrative:
Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor 2. The creditors ' address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Hi, I was on the XXXX  Website to book a flight and a special offer came up saying if I spend {$1000.00} Dollars in 3 months I get XXXX XXXX mile points. I found out later the amount was {$2000.00} dollars and they are not honoring the advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Serve card that I acquired in 2017. I have paid the monthly fee for 5 years and after a traumatic car accident I need to use the card. I deposited a check for {$190.00}. I paid a {$5.00} processing fee to have the funds available in minutes. After an hour the funds were available according to the account status. The card would not work, I am not able to make a purchase or withdrawl cash. I'm unable to send the funds to a XXXX for pickup. Now they have added a fraud alert and won't release my funds. I have called dozens of times, most times they disconnect the line while on hold. I am XXXX and XXXX  now as am not the only person who I have found has this problem with their Serve card with American Express.

Company response to consumer: Closed with explanation