vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE ARE ALL FRAUD HARD INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
Im requesting that you validate the debt below.

L J Ross Associates. 

This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of All the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state of New York.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 1 ). Copies of all letters sent to me from you and from the original creditor.

( 2 ). How much did you buy the debt for?

( 3 ). When was the last date a payment was made on this debt?

( 4 ). What fees/interest was tacked onto the debt?

( 5 ). How were the fees determined? 

While validating this debt, you must cease all collection efforts until you can send me all sufficient proof as listed above. If you choose not to send me the proof requested, You must delete the reference account from all three-credit reports. 
Thank you for your time and cooperation. 


Sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My grandson, and I established a custodial checking and savings account with the bank I normally use for years Chase Bank on in XXXX Illinois on XX/XX/2023. His name is XXXX XXXX XXXX, my name is XXXX XXXX. Account numbers can be provided upon request. I believe Chase sent checks to him in AZ, that may have been removed from the mail, ( specluation ). On XXXX when I checked the acct, to my amazement, some one was removing funds from the savings acct to the checking acct and stealing the money. It was happening as my grandson, his parents and I were on the phone talking to the fraud department in the XXXX, XXXX, as some one was taking {$900.00} from an ATM in XXXX on XXXX XXXXXXXX At the same time my grandson noticed some one had picked his pocket and all of his bank cards and ID was missing. He is a XXXX, XXXX at XXXX, the account was a month old and he was at his dorm XXXX AZ for just 2 weeks, and his bank accounts were scammed. The amount the Chase should return is about {$4300.00} Claim # ( XXXX XXXX XXXX XXXX XXXX ) I was told to go into bank on next business day and close those acct and open new ones and got an got a new claim number on XX/XX/2023 ( XXXX XXXX XXXX XXXX ) I feel the bank is scamming us too. They denied our claim. I can be reached at XXXX XXXX XXXX, to explain more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SecureNet Loan Services LLC
State: TX

Complaint narrative:
I reached out to XXXX XXXX at securenet loan services and asked him to update my credit report with accurate information. Because at the time and asked him to update my credit report with accurate information. Because at the time my mortgage was showing on my report as open, but it hadnt been reported as paid since XX/XX/2023. I had several phone calls and emails with him to fix the problem of it not being reported. Then his company reported my account has been closed. My score on my credit report decreased substantially by over 30 points. I have given them almost 2 months to fix and resolve. The problem on my credit reporting my mortgage is closed. They have reported my mortgage as being opened again, but the closed report is still reflecting on my account. My score is still down because the closed report is on there. They are also only reporting to one credit bureau, which is a XXXX. They are not reporting account XXXX XXXX, or to XXXX. They have given me all my documents showing that my mortgage has been paid and has been open since it started. I had requested the company. Send me my total payment history, any proof of any reports to credit bureaus, and they have to sent me only partial paperwork. They denied showing any proof of their reports to the credit bureaus. They have failed to keep in contact with me about the correction of this in a timely manner. 

Additional information : Securednet loan services & XXXX XXXX XXXX are ran together. XXXX XXXX XXXX holds my mortgage loan. And they use Securednet services as a third-party paying service. Both companies have the same owner. 

I was divorced three years into this loan. The mortgage was originally opened under XXXX and XXXX XXXX and in the divorce decree it is agreed to, and signed that the property is solely owned by XXXX XXXX. The mortgage was never closed, transferred, or refinanced. It was only adjusted to drop off XXXX XXXX. 

Divorce decree is attached I requested payment history and only received a partial payment history for my mortgage- Attached I also requested proof of what they are reporting to the credit bureaus and was denied

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I have a work card through money network. on the week of XX/XX/23. I could not access my account. Once I was able to contact customer service and get into account, I noticed {$2000.00} was missing. It appears someone hacked into my bank account and stole my money. Money network says they can not help.I did not authorize this bank transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid off the ballance of {$1100.00} which was the full ballance of what was owed. Now Bank of American is charging an interest charge of {$8.00} on the the next bill. I called them and they said it's a residual interest charge. As I do have other credit cards none have ever done this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank first lowered by credit amount without notice and then closed account without notice or authorization. Payments made on time and over minimum amounts. Customer service said too bad they can do that per an agreement. An agreement I never received nor signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked for information proving that some accounts belong to me as well as some hard inquiries that Im unaware of. I am just now looking at my credit card and realize that its a lot wrong. I have sent letters and letters for months. I never get my proof only that theyve updated the 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 non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
All of a sudden a XXXX debt collection was added to my credit report. Its not mine or its fraud. I tried to dispute it with XXXX and told them it wasnt mine. They didnt remove it or show why the debt collector could keep reporting this on my credit file. Im contacting you after reading how to handle something like this. Im also going to report this as fraud. Thank you for anything you can do to help me dispute this again and get this off my report. It planted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow up complaint to complaint # XXXX which was submitted on XXXX. On XX/XX/, we spoke by phone to XXXX XXXX in the investigation department at BOA. There were three original unauthorized charges in the amounts {$170.00}, {$170.00}, and {$180.00}. Each of these amounts had been temporarily credited to us during the " investigation '' and then subsequently reversed on XXXX leaving our account balance negative. Then on XXXX, there was another temporary credit reversal of {$180.00} charged to our account. 
After much discussion with XXXX on XXXX, she reversed all ( {$170.00}, {$170.00}, {$180.00}, {$180.00} ) of the unauthorized charges in our checking account. At this point we were under the impression that the case would be closed. 
On XXXX another " misc. debit adjustment '' has hit our account for {$180.00}, leaving us once again with an overdrawn account balance ONCE AGAIN! This is getting really old and frustrating to say the least!! All the evidence clearly shows that this was fraud and was unauthorized by me or my husband. 
It has become very apparent that the " investigation department '' employees at BOA are clearly incompetent or they are just not doing their job. The only way to contact them is a phone number which is answered by people who are not empowered to help those calling. They spend a lot of time typing notes in the computer while you wait on the other end of the line and making empty promises that never come to be. The only way we have been able to get to the bottom of this is AFTER we filed the inital complaint on XXXX  with consumerfinance.gov.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, transunion, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened my bank account with a promotion that stated I'd receive {$400.00} if I had {$1500.00} in deposits in the first month. I had well over {$1500.00} in deposits but the they switched one of my deposits to the next day and yet I still met the qualifications but didn't receive the bonus. Got a call from corporate telling me I was eligible they would fix it. Week or so later the bonus went in my account I made a purchase went back afew days later the deposit was gone and I was over drafted. Called the bank got the run around for days then was told i didnt have enough deposits but did then was told I didn't use the promo code when I signed up but I did. I used a XXXX add to sign up and copy and pasted the code. So now my account is over drafted and they say I'm responsible and they never gave me the {$400.00} bonus when they did an then took it back. This is the second time I've had a major problem with this bank and now I'm over drafted and can not close the account. Thus is my business account and it is cost me jobs not being able to order parts or anything I need my bank for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I have no knowledge of this account. I currently have internet and cable accounts with this telecomunications company XXXX XXXX XXXX and they have no knowledge of this debt. This collection agency keeps calling me threatening to come to my place of residence or work threatening to take me to court in order to scare me to pay this unknown debt. I have asked them to provide me with proof that this is my debt and they refuse. I do not know what more to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see CFPB Complaint XXXX. Equifax corrected my credit report after the complaint was filed and confirmed XXXX XXXX XXXX  and XXXX were not reporting. Less than 30 days after we resolved the matter, the accounts reappeared. I have filed 5 disputes and sent 3 emails to the executive office. All of my attempts to resolve have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: TX

Complaint narrative:
I already have laurel road - keybank checking account. When i login- they prompted/offered me savings account. I started the process of savings account- all the process was completed and then it was denied. 
How come I be denied a savings bank account in the same bank where i have checking account? I am US Citizen and living in this country for more than 20+ years with XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hi, I got scammed by a XXXX XXXX through email. She was selling a XXXX dollar vehicle that I intend to buy. She told me to send XXXX dollars via XXXX XXXX gift cards and later another XXXX  for insurance. I paid a total of XXXX without getting any vehicle.

Company response to consumer: Closed with explanation