vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: WA

Complaint narrative:
I am getting daily calls from Northstar Location Services regarding a debt. The calls ask me to call XXXX. When I call this number and give them the phone number that they are calling, they claim to not have any records of ever calling me, yet I keep getting daily phone calls from them. 

The caller ID on the recorded calls shows the calls coming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Starting on or about XX/XX/2020 and over the course of the next 5 days, I received via USPS, 3 separate debit cards from Chase bank that were tied to checking accounts that I did not open. 

I called the customer service number ( XXXX ) XXXX listed on the attached sheet with the cards to report that I did not open these accounts and wanted to speak to someone in the fraud department about how checking accounts could have been opened in my name. The first person I spoke to I don't think understood that I really had not opened these checking accounts even though I did my best to express concern over getting 3 debit cards tied to 3 different checking accounts. He did tell me that the checking accounts contained a Zero ( {$0.00} ) balance, which seemed suspect to me.He sent me to another department that handles my issue and after waiting for 45 + minutes to finally get connected to the right person, the audio quality was so poor the call was disconnected before any meaningful communication transpired. I have since tried to call several other times and experienced similar wait times and so had to hang up before someone answered. 

We do not have Chase ( brick & mortar ) banks in my area of the country and I have never opened an online or in person account at any Chase bank in my 39 years of being an adult.

I am concerned that there is some serious fraud going on with Chase, presumably in their online banking dept., that they could open 3 accounts in my name without my knowledge. I guard my personal information and monitor my credit frequently and feel these bank accounts would have shown up on the reports but they have not as of this date.

I am asking that this agency investigate Chase Bank 's requirements for opening checking accounts. I am willing to provide any additional information I have to help with this investigation.

The file I have attached below is of one of the letters I received with the debit card ( the debit card is removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CHASE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CHASE XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: OH

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX   XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: OH

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified Equifax & XXXX, to which neither took action nor contacted me. Equifax has since prohibited me from pulling my free annual ( now weekly with COVID ) credit report from XXXX and they refuse to tell me why they did this. I am now unable to obtain my Equifax report online. 

On XX/XX/XXXX, I filed an online dispute via myEquifax.com to remove 2 fraudulent hard inquires on my account ( XXXX XXXX & XXXX ) ; however, myEquifax.com does not allow documentation to be uploaded for dispute investigation. On XX/XX/XXXX, Equifax denied those requests, stating that I need to contact these creditors on my own and ask they contact Equifax to remove this hard inquiry. Back in XXXX, XXXX XXXX was contacted and my identity was verified, thus the fraud application was denied. Equifax refuses to use XXXX XXXX 's investigation from the date in which the fraudulent activity occurred. On XX/XX/XXXX, I both filed an online dispute again and tried to file a dispute via telephone call, but both were rejected for the same excuse. Per XXXX ( employee ID : XXXX ) with the Equifax Fraud Department, I need to verify my identity with these companies, but she refuses to assist in that process. Equifax will not allow previous investigation work, nor will it assist me, as the real consumer, in getting my Equifax report updated to reflect accurate information. Additionally, since these are hard pulls, they negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Wed, XX/XX/2020, I placed an order for two XXXX XXXX XXXX Toilet Paper, 36 Double Rolls - White with the website carolike.com for the amount of {$64.00} USD through my PayPal account. This order was placed with carolike.com, as many physical and online stores had sold out of toilet paper as a result of the current pandemic, and I wanted to ensure my and my family 's household had sufficient supplies.

I received confirmation of my purchase via email from carolike.com, however, it should be noted that both the " view your order '' and " visit our store '' buttons were not working. Additionally, the email  originated from an " XXXX '' personal email address. Obviously, this was suspicious, however, I really had no way of checking my order or contacting them as their website was now down. 

On XX/XX/2020, I received a package from XXXX with what looked to be hand-rolled single ply paper and am uncertain if this is even toilet paper. It was certainly not the XXXX XXXX toilet paper I had ordered and will not be attempting to use this as toilet paper. On XX/XX/2020, I filed a dispute with PayPal advising them that this merchant is a scam as their website is no longer working nor is my order link in the order confirmation. I advised PayPal that I was not the only individual who is having issues with XXXX 's orders, and referred them to see the XXXX  reviews where many other individuals describing the same issue of having been scammed. 

I was notified by PayPal, that the merchant would provide me a full refund IF I shipped back the item I had received. I do not believe I should have to pay for the international shipping costs to the provided address which I can not even read provided by PayPal : " Return shipping address XXXX XXXX XXXX. '' The only acceptable form of resolution would be for this scammer pay for the shipping costs for the return of the unsanitary garbage I received from them, and my receiving a full refund. I am disappointed with PayPal and it's consumer protection process. It is clear that this merchant is scamming a number of individuals during this pandemic and causing consumers like myself undue harm and loss of monetary funds. They are taking advantage of and prey on consumers during this pandemic. PayPal should be ashamed by having partnered with this merchant and I am filing a formal complaint to make the CFPB aware of the issue and to assist in a satisfactory resolution to this matter. 

With that being said, I believe I should receive a full refund for this order as it is Significantly NOT as Described and for having been scammed by a merchant PayPal did not conduct sufficient diligence on when onboarding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
Kay Jewelers are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I HAVE A MORTGAGE LOAN FOR WHICH I MAKE A MONTHLY PAYMENT OF {$3600.00}. 
MY PAYMENT WAS RECENTLY INCREASED TO XXXX MONTHLY FOR AN UNEXPLAINED REASON. I HAVE INFORMED THEM THAT THE INCREASE IS ILLEGAL AND THAT MY MONTHLY PAYMENT HAS TO BE CORRECTED TO NO AVAIL. i NEED MY MONTHLY PAYMENT CORRECTED AND MY OVERAGE PAYMENT REIMBURSED 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 2020-05-14 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Accounts belong to twin brother 1.XXXX bank online account charge off account Not My Account 2.XXXX XXXX XXXX  Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account. 
I Recently settled with a XXXX XXXX  bill that was opened in XXXX and closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid XXXX XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked transunion and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/XXXX I tried to open a checking account with pentagon federal credit union. I was declined even though I currently have a saving account with PENFED. The Rep could not tell me why until I insisted and she researched and claimed I owe money and wasn't sure on why. She had to email someone and will call me back. Of course she didn't. So on XX/XX/XXXX I contacted PENFED AGAIN. With further digging, the rep informed me that I owe {$120.00} for my account that was dormant since XXXX. And was informed that my account was seized and didn't know on why. I was never informed in writing or by telephone that I owe any money for a dormant account. 

my complaints for their violations : - The equal credit opportunity act violation - illegal seizure of my money without prior notification - discriminate me as a XXXX minority veteran to open an account - Pulled my credit and informed me that they didn't know whey I can not open - FCRA violation -FTC Violation -ACLU Violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I attempted to purchase a XXXX for my daughter on what I thought was the actual XXXX website. I completed the purchase using my PayPal account, as I believed that was the safest way to complete any online purchase. After completing the purchase I went to my email noticed the PayPal receipt showed a non-verified XXXX account as the seller, and immediately logged into my PayPal account. The seller was from out of the country, and was showing a name I had no idea who they were. I checked my inbox and had no receipts from a purchase other than from PayPal. I went back to the site and realized it was XXXX.XXXX  NOT XXXX.XXXX  which is the verified and true XXXX  company site. The fraudulent site looks just like the real site. I have never had an issue with a purchase before, or had to fight anything on PayPal before so had to look up what to do within their help instructions. I immediately disputed the purchase, and had to wait to see what PayPal would do. I put in the information based on what I knew to be true, and waited. They replied over night, and the next morning I discovered they said I had no claim to dispute and were closing the case. Based on the fact the seller had immediately completed the sale and taken my funds, my only recourse was to email this person and request a refund. I had done that the night before, but did it again that morning as well. I still have not received a reply from this seller. I have tried to contact PayPal via phone, but they are not taking calls due to Covid. I tried chat, but it is a Bot, and it prompts me to do a dispute, then tells me I can not as I already have done one and it is closed. I was forced to contact my bank and they are going to try and dispute it for me, as the money was pulled from the already. This transaction was placed on XX/XX/2020 through PayPal Transaction ID : XXXX for {$130.00}, Dispute Case # XXXX I do not know what else to do. This site did not provide me with information for a sale, they should not be taking PayPal for purchases, they are not verified, they are fraudulent, and I did not have PayPal support to assist.

Company response to consumer: Closed with explanation