vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After I complained about American Express XXXX Consumer Financial Protection Bureau in XX/XX/2022, American Express closed my credit card account. They told me that they did it in retaliation for my complaint to Consumer Financial Protection Bureau. 
They also told me that they did it because I was not an American, which is false since I am a US citizen. 
This action by American Express is retaliatory, XXXX and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I Have contacted Discover multiple times via certified mail to inform them on the fraudulent account that they keep attempting to collect on. I was a victim of identity theft where my information was used to sign up for an unauthorized credit card. That credit card was fraudulently used and accumulated a balance and was later defaulted on. I sent the identity theft paperwork to Discover several times, yet they continue to harass and threaten me with demands of payment and continue to furnish fraudulent information on my consumer report that is harming my reputation and damaging my ability seek employment. I have never validated any debt owed to Discover and dispute all allegations of the alleged debt. I have repeatedly ask that Discover send me original documents of the contract that was allegedly signed in writing. They have never done so leaving the assumption that they are incapable of providing this documentation. I am asking that you please assist with the removal of all accounts associated with Discover from my consumer credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-21 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile. Thishas been a rough time during this pandemic era

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 2022-03-21 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
All state Credit Bureau, has attempted to collect a medical debt. I advised through a letter of Debt Validation, that was sent on XX/XX/2022 USPS certified mail. I have yet to receive the request documents, which have been verified that their company received.

All State Credit Bureau @ XXXX XXXX XXXX XXXX XXXX MI XXXX Is in violation of the Fair Debt Collection Practices Act And I want this account removed from my credit report! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have bought a XXXX XXXX XXXX XXXX XXXX and an auto loan from Chase auto finance was given. I filed for chapter XXXX ( XXXX ) bankruptcy on XX/XX/XXXX and the car was repossessed by chase auto finance ON XX/XX/XXXX. Loan number XXXX vin number XXXX. Chase sold the car for MORE money than what I owed them. XXXX dollars more and they should have sent that money to me by check but they never did. Chase stole my money and kept it and never sent it to me. The car was sold for XXXX dollars and I only owed them XXXX dollars and after all expenses they had a surplus of XXXX dollars that should have been refunded to me but never did. I called them and they insist it was chapter XXXX but it is NOT. I filed for chapter XXXX. 
Chase auto finance repossessed the XXXX XXXX XXXX and sold it and kept the extras money to themselves and this is FRAUD I am attaching pictures of the loan number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
I have been trying, since XX/XX/2022, to have our current mortgage company, CrossCountry Mortgage, run an escrow analysis due to them overcharging our escrow account. We are in a new construction home, so our property taxes were estimated until the new XXXX XXXX XXXX  taxes were updated for this year. I contacted them again on XX/XX/2022 via email with our taxes for XXXX  and requested an escrow analysis- I was told this would be reviewed and completed. I contacted them again on XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on the escrow analysis- I was told it only takes 4 business days to complete, but up through today, XX/XX/2022, there has been no progress. They have overcharged us by thousands of dollars and seem unwilling to issue the refund we are due from their overcharging our account. 

Additionally, we have our homeowner 's insurance policy through XXXX. I contacted them today because I noticed that we are being charged through our personal checking account every month for this, even though it is being escrowed by CrossCountry Mortgage. The XXXX representative I spoke to today said that they have requested the payment from CrossCountry Mortgage, but were ignored, so they charged us directly.

CrossCountry Mortgage is not responsive to myself or my insurance company and this seems both unprofessional and negligent. We have made every payment that is due on time and our loan is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/22, I received an email from Bank of America that an account was being opened in my name and to verify my email address. On XX/XX/22 I called Bank of America to inform them that I did not attempt to open an account and it was a fraudulent attempt.

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 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I intially wrote to CARTER YOUNG on XX/XX/XXXX to validate an allege debt that they claimed I owed. I did not receive a response until XX/XX/XXXX, which was a letter stating a denial to provide me with a validation of the debt. Not only did CARTER YOUNG deny me my right to a validation of debt but also failed to provide me the material disclosures within the 5 days allowed, which is a violation of 15 USC 1692g. In addtion I was given false misrepresentation that I owe a debt in a positive balance, as seen in Exhibit A. How can you pay on a debt that is in a positive balance? This is another violation of federal law 15 USC 1692e ( 2 ) ( A ). Also they failed to notate and disclose the XXXX correctly that This communication is from a debt collector. This is an attempt to collect a debt and that any information obtained will be used for that purpose, which is another violation of 15 USC 1692e ( 11 ). Most importantly CARTER YOUNG sent me a cover letter stating that I owe an alleged debt, and referenced an enclosed document sent with this cover letter. This document they sent in referenced into my alleged debt is not even mine. The form shown as Exhibit B is clearly sent from a XXXX XXXX, who I am not nor have any relation to. This is false and deceptive which violates 15 U.S. Code 1692e ( 10 ). The form I initially sent you can be referenced in Exhibit C.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NV

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX, which held my monies in escrow prior to my closing on a home, wired the payoff amount to the Lending Club to pay my loan in full. At the time, the payoff amount was {$30000.00}. However, to this date, the account is still showing a balance of {$29000.00} and my bank account continues to be debited for the amount of the loan payment each month, which is {$720.00}. I have provided the wire confirmation information to the Lending Club and they have not rectified the situation as of yet. Instead, every time that I call the Lending Club, I am placed on hold and told that the back office has to investigate or told that a service request has been entered on my behalf. I have yet to hear from the back office and {$720.00} continues to be debited from my account on a monthly basis since XXXX, 2021. I have attached proof of the wire transfer below. Please assist me with getting this situation rectified and the monies that are in excess of the payoff amount, refunded to me in full. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank statements are coming to my home alerting me of overdrafts for small amounts of money ( XXXX ). I do not bank with TD Bank. 

The statements I received indicate someone has opened two different accounts using my name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting an account inaccurately which is a violation of XXXX XXXX standard. Transunion claims to have investigated and verified this account however that is a lie. I have attached a sceeen shot of my most recent credit report. The account for XXXX XXXX XXXX is reporting a date closed as XX/XX/XXXX. XXXX is reporting the date closed as XX/XX/XXXX and XXXX is reporting this account as closed on XX/XX/XXXX. All of these can not be correct. The ending balance could not have changed since there was no activity on the account since it closed. The closed date must be the same for all 3 credit reporting agencies. Also if you previously investigated and updated this account for accuracy why is the high balance reported ( XXXX ) lower than the original balance? ( XXXX ) That would be impossible. This proves no investigation was actually done.

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 2022-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2022 I Paid my friend via Chime bank transfer via XXXX XXXX. My friends name was listed as a username and so I sent him {$100.00}. He never received it. I inquired about his payment with calling Chime customer service. They said it had gone through. I asked them if I could three way ( conference call ) with XXXX ( the intended recipient of the monies- {$100.00} ). They said okay. They took his personal information and acknowledged on the phone that it wasnt his account, despite it being his number listed. I requested my money back and the transaction cancelled, but they declined and wrote to me stating this instead. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX  - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$100.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I at first only wanted my money back. But then realized, what if Chime has opened all these accounts with peoples numbers that arent them. I cant be the only one who sent to a username that was populated in the Chime app by Chime accessing my contacts in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I rented a home in XXXX Michigan and Landlord had XXXX XXXX already and had put this in my name without me knowing. I had paid the bill monthly with no issues. Equipment needed to be taken back and I was unaware of the bill being in my name it was included in my rent per my landlord. He told me that he would take care of everything when my lease was up and now I see this bill on my credit and in my name.

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 2022-03-21 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: Global Lending Services LLC
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing GLOBAL LENDING SERVICE inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to XXXX & XXXX documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last XXXX this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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