vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE XXXX COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX  XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND EARLY WARNING FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, BANK OF AMERICA WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.

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 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
One Main Financial Initially during the Pandemic I was able to use my unemployment insurance for several months and the insurance paid on my account. My unemployment expired and I was still not working because I'm a high risk candadite for Covid. I was searching for remote work. I sent correspondences trying to negotiate a settlement. I was unsure of when I would be working and I know my funds are still limited I am currently still trying to secure housing and One Main is unwilling to negotiate a settlement. It may be years before I have the funds to pay that debt in full in the mean time interest is being compiled causing me additional hardship. I was told that I could only use my unemployment insurance for a select number of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This company has the worse service Ive ever dealt with. I made a complaint with you and a lady named XXXX acted like she cared but could never get a hold of her the line is always Busy. I have made this very clear my XXXX item was returned with XXXX XXXX  and have the buyer acknowledging that as well. Its pretty clear a credit is due I dont know what why I have this frustration trying to get them to acknowledge that I have already returned it jeez guys its not that hard to see when the information is clearly in front of you. I have asked for a credit to be due and closing my account with them Im really done with these guys horrible customer service and horrible customer relations I dont need that. I have provided the tracking and pictures when I sent that item back to vendor.

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 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-21 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: TX

Complaint narrative:
I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with Transunion, XXXX with XXXX, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened 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 non-monetary relief
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries 24 with XXXX, 28 with XXXX, and 30 with Equifax as of now. I am currently just starting to understand my credit and really hate this happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
XXXX XXXX is asking me to pay them XXXX reference # XXXX and cant explain what for. They sent me 2 papers with no especifications saying that i have to pay this absurd amount. I had stay with them 1 night and rent 2 rooms. Now, they say i am in debt. Which is not truth. Everything i paid ( both rooms ) thru XXXX XXXX XXXX. And they say i shouldnt be in debt with XXXX. Also, there was not damage to either of the rooms after we left. Now I feel victime of this Scam and need help. Could find that this corporation is sending notificarions ro customwrs like me, and thru this scary tactic mading millions of dollars in revenue. 
I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2022, my friend and I were looking to buy tickets for a concert of our favorite artist. We went to XXXX to see if anyone was selling their tickets for one of the shows and found this one person ( @ XXXX, formerly known as nin__cin__ ) who was selling tickets. We got in contact with them and thought that they were reliable because they sent us proof that they had the tickets. So we sent them {$750.00} for the tickets, including a service fee. They texted us back saying that there was a problem with their bank and that we would get refunded our {$750.00} by XX/XX/2022. Because they seemed so desperate to sell the tickets, they asked if we could instead, send their friend {$350.00} so they'd at least have some payment and in return, we asked if they could transfer one ticket. We still have not gotten the refund or the tickets.

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 2022-02-21 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: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
date : XX/XX/2022 Amount : {$1500.00} action taken : I, XXXX XXXX, have personally talked to the creditor company ( southwest recovery services representing North american bankcard ) and explained to them that the charge their claiming on my name is fraudulent. I do not know know who " north american bankcard '' is, and i have never signed any documents with them. Afterward, a representative from the collection company emailed me the documents they have and upon reviewing the documents it is further confirmed the documents are fraudulent as they do not have my signature anywhere in their supporting documents. therefore, i am submitting this report on this website. please check my driver license signature and the signature this company claimed is mine is not same. They are clearly a fraudulent signature

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: OH

Complaint narrative:
TransUnion, XXXX and XXXX is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the XXXX XXXX Modernization Act of 2010. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a XXXX violation and should be stopped immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I use chime to pay my rent and get my direct deposit from my job and online shopping. I started receiving emails about suspicious activity in my account but everyone I got look I had the same {$300.00} something in my account.then acouple days later get an email saying XXXX checks were declined so I go look into my account it was negative XXXX somthing so called an emailed after email just for them to say they cant do anything about it I even contacted their fraud department they said they couldnt find any suspicious activity then just last week they shut the account down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Requested an accurate precise account of my Escrow account disbursements from WellsFargo but the lender 's response was unsatisfactory. In XXXX - Out of the deposits to my Escrow in the amount of {$8700.00}, a total of {$7000.00} was disbursed ; In XXXX - Out of the deposits to my Escrow in the amount of {$10000.00}, a total of {$6300.00} was disbursed. 
I do not wish to discuss this issue on the phone with the mortgage lender as such discussions in the past were manipulated to the extent I ended up with false charges in my mortgage statement.

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 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am asking for them to validate this debt. I have never done business with these people or communicates with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This XXXX federal account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX, I noticed that my American Express credit card had fraudulent transactions made under my XXXX 's credit card. I immediately searched to see if the credit card was still in my possession but it was not, it was stolen. 
I immediately logged on to my American Express account and noticed XXXX fraudulent transactions were made XXXX XXXX XXXX CA - {$100.00} THE XXXX XXXX XXXX CA - {$11.00} As soon as I saw this, I called in to American Express, reported my credit card was stolen, and disputed these transactions as I did not make them. 

As of today, XX/XX/21, American Express has taken absolutely no action. I called in and they told me because the charges were reported while they were pending, I was expected to call in again once they stopped being pending. This was not communicated to me when I reported these charges on XXXX. 

To make matters worse, American Express stated these charges will not be credited back into my account. They will only investigate the fraud claims and I will need to wait until 30 days to hear back from. These charges are still sitting in my American Express credit card account balance even though I did not make them, and thus, still makes me liable to pay for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a credit dispute letter by certified mail on XX/XX/2021 to Equifax asking to verify the debts on my credit report. I have received no response verifying that the debt was accurate or legit. I am now mailing a demand to comply letter stating my rights and that the debt should now be removed. 

I am still waiting for a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There has been ongoing issues and red flags when I go to the XXXX  XXXX  store. They don't update my correct phone number/information. Yesterday, they were trying to look up my purchases so I could make a return. Well, what popped up on their computer is all these purchases by other people including a XXXX XXXX XXXX. I will attach the evidence so you see some examples of the purchases ( valid one and invalid ones ) ; people are using my credit for many companies, what is going on?

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 2022-02-21 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: TX

Complaint narrative:
The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You 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

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 2022-02-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX, XXXX, and Experian are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the 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 explanation