vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
THE ACCOUNT NUMBER WITH BANK OF AMERICA, I WILL GIVE LATER. THE COMPANY IS CHARGING TWICE FOR LATE FEES AND INTEREST. I WAS UP TO DATE WITH MY CARD IN XXXX. IT IS NOW XX/XX/XXXX, I CALLED COLLECTIONS AND THEY ADVISED IT IS ONLY 1 MONTH OLD. THEY HAVE CHARGED ME OVER {$700.00}. WHEN I CALLED, AND I CALL EVERYDAY TO TRY GET THIS RESOLVED THEY ADVISED THAT I CAN NOT DO A DEBT SETTLEMENT FOR ANOTHER 5 MONTHS. ALL I AM TRYING TO DO IS RESOLVE THIS DEBT. WHAT THE GIRL ADVISED ME ON XX/XX/2021 IS THAT THEY ARE CHARGING ME OVER {$220.00} A MONTH. THEY ARE GOING TO LET THIS ACCOUNT RESET AND BUILD UP MORE INTEREST FOR ANOTHER 6 MONTHS. THIS IS A VIOLATION OF FDCPA. ( CHARGING ME TWICE FOR INTEREST AND FEE AND LATE CHARGES. I WILL HAD MEDICAL PROBLEMS AND THEY WILL NOT WORK WITH ME. I MAY JUST FILE BANKRUPTCY AND THEY WILL NOT GET NOTHING. ACCOUNT 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
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have a XXXX  XXXX  that buys and sells fresh produce through out the country. I am licensed by the USDA so I have prompt payment requirements. On XXXX XX/XX/2021 at XXXX I attempted to deposit a check for {$22000.00} in the lobby atm at the us bank branch at XXXX XXXX XXXX XXXX XXXX MO XXXX. I have been making these deposits every Friday morning in this same machine for several months.I entered my pin and followed the prompts then inserted my endorsed check. Then the word error came across the screen and a slip of paper came out stating an error has occured and I would have to call an 800 # then an investigation would be done. So I called the 800 # and the person told me that the bank would investigate and notify me by mail in 10 business days. I asked the people in the branch for guidance and they told me to call the 800 # because there was nothing they could do. I need this money to promptly pay for XXXX XXXX XXXX  from a California XXXX. I have to have a XXXX XXXX to do this kind of business and in having that license I agree to pay for fresh fruits and vegetables and the interstate transfer of said product in 10 days. The US Bank policy to remedy this machine error puts my lXXXX XXXX XXXX in jeopardy.

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 2021-08-17 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.

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 2021-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: SC

Complaint narrative:
In response to Discovers " position '', You discover stated " On XX/XX/2020 your account was opened as a result of an internet application submitted that same day. You first submitted an application for prequalification for a Discover It XXXX account and were preapproved, and then submitted the full application. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. " Anyone can submit an online application with whoms information is public record. Where is your signed contract with my signature? 

You also stated " Your account was used for local transactions '' Where is your proof that I used the card? Where is your proof that I was there for any transactions that took place on said card? Where is your proof that I was in this local parameter for these transactions? Anyone can purchase anything anywhere. 

Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I have asked for your proof that I created transactions on the account and you have failed to validate that. You have sent monthly statements but have failed to validate with proof who made the charges and have failed to abide by the FDCPA ( Being that you have stated in multiple letters that an alleged " debt '' ( a term your company used ) is owed to your company ). 

Aside from you not having proof of who submitted the application, who made charges on the accounts and violating the FDCPA after positioning yourselves as debt collectors. 

As a courtesy I will forward all correspondence, violations of FDCPA, XXXX and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank ( we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was looking for a 2bedroom apartment in XXXX XXXX. I was following a XXXX  account called " XXXX XXXX XXXX  '' for the XXXX area. On XX/XX/2021 I contacted them with an apartment I saw advertise on their page. Someone responded by the name XXXX XXXX and asked me " to answer some questions before proceeding with the application '. With a few basic questions answered he said I meet the requirements for this apartment. He then asked for my contact XXXXnformation and asked if I have " XXXX ''. We continue the conversation on XXXX, he sent me the rental application on XX/XX/2021. I filled it out and return it with the application fee through the Chase/XXXX  for {$150.00} X2 for my son and I. In the next 24hours XXXX XXXX stated that the application was approved and the next step was to send a deposit to hold the apartment pending viewing. Also stating that " all fees paid remain refundable until final lease signing. So at this point I jumped at the opportunity and sent the deposit amount of {$1800.00}, through Chase/XXXX. XXXX XXXX confirmed payment, said the apartment has been secured and now only need to pay the brokers fee of {$500.00}. This time I was unable to send this payment through Chase/XXXX  because of a limitation from the Bank. XXXX then suggest that I send payment through XXXX with this phone number XXXX the name attach to this number was XXXX XXXX to try. A scam message showed up, XXXX said that it was because this was my first time sending to that name. That payment failed and he sent me a new number to try XXXX also failed payment, we try one more number through XXXX XXXX name XXXX XXXX this payment was accepted. The next day now the XXXX of XXXX mark asked for the first month rent to proceed with the lease, keys, and move in date. I had asked him about the paperwork for the landlord to fill out for my section 8 voucher, he said to send it to this e-mail XXXX or to XXXX XXXX XXXX was a coworker of his. This was the last time I had heard from him, I have tried all of the numbers and e-mails and still no response. I have contacted Chase about this and they said since I did this transaction with XXXX there is nothing they can do about this. The total of this transaction was {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off 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 2021-08-17 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: WV

Complaint narrative:
I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX fraudulent charges made on account. ( XXXX ) ( XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Account Name : HEALTHCARE COLL I LLC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

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 2021-08-17 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 — Investigation took more than 30 days
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX toyota finance company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Experian credit report has a name listed XXXX XXXX XXXX XXXX XXXX that I have never used. My middle name is XXXX and I have never used any other middle initial than " XXXX. '' When I went to the Experian website I was told to call XXXX. Name correction requires special attention. However, the telephone number does not allow the Consumer to choose " dispute resolution '' and does not allow the Consumer to talk to a Customer Service Agent. Moreover, searching provided a mail address ( XXXX XXXX XXXXXXXX, XXXX TX XXXX ) but it also said I must mail a special form -- and that form is not available anywhere!! 

So, I have no way to call, or write, in order to get my name corrected!!

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the erroneous account reporting on my credit report : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: NY

Complaint narrative:
A collections notice was received by XXXX XXXX XXXX for an unpaid medical bill for a foster child. When the collections agency was contacted for the purpose of providing insurance billing information, they claimed that they are not in the business to bill insurance, do not have the ability to bill insurance, and were requiring that XXXX provide the insurance company address, contact information, and other items that are not available to this worker. The information on the insurance ID card, used by medical providers everywhere for the purpose of billing medical charges, could not be used by the collections agency. They have intentionally created obstacles that prevent them from billing insurance, and it is done for the purpose of pursuing payment of the full amount of the bill to increase the profit they make from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
I had a prepaid paypal account. I can not get any prepaid cards and the debt is not from XXXX the debt is from SIMM associates Inc affiliate and or subsidiary of XXXX. These devt collectors are individuals who obtained licenses during the pandemic for this nation crime fund from the american war world ll from forgery POA. This debt collector is my identity thieves stalker harrasser etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After I reviewed my report from XXXX, XXXX and TransUnion I found out that I was a victim of Identity Theft. I sent a dispute to TransUnion on XX/XX/2021, where I disputed the fraudulent items. I also sent them an Identity theft affidavit. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the bureaus need to block the items in 4 days after they receive the dispute but they failed to do so. That is the reason I send you this complaint. TransUnion is the only bureau that failed to comply with the law, XXXX and XXXX already blocked the fraudulent accounts.

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