vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
Experian did not properly investigate this account. They are breaking the law by ignoring me. 

In accordance with the Fair Credit Reporting Act, the below account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have never had a collection issue with XXXX and they admitted it. Account in Violation of the Act and Law : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) This account must be DELETED.

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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
On XX/XX/2022 I made a purchase for a XXXX XXXX. I thought I was only going to be billed {$99.00}. Since this was and out of the country purchase the total came out to be {$120.00}. I thought with the conversion rate it would be {$100.00}. So I filed a dispute for the difference of {$20.00} with my bank Current. About a week later I noticed my membership was cancelled through the merchant. I talked with a current employee through their chat feature since the no longer have phone representatives. They chat employee told me they would close the dispute and I could file a new once since I no longer have access to what I paid for for filing a dispute for being over charged.Now today XX/XX/2022 current emails me and lets me know they have closed the dispute and I would not be getting a refund after I give them proof that their employee said in writing that I may file a new dispute since the merchant revoked my access to a {$120.00} course. They have stopped responding to my emails and refuse to acknowledge their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I received two phone calls back to back from " USAA '', I answered the third call where a professional man greeted me and told me he worked with USAA in the fraudulent team. He said I had 3 pending charges in NC and SC and needed to verify my identity/charges to prevent the potential fraudulent charges from occurring. The first charged in NC he said was for {$900.00}, the second one was from a grocery store ( XXXX XXXX I believe ) for roughly {$500.00}. I confirmed those were fraudulent and confirmed I have not been traveling and was located in XXXX. He asked to verify my online ID and I gave him the wrong one which he informed me his system did not recognize that and I found the correct one and gave him that. He then asked for my password and that is when I questioned him and told him I've had previous fraud notifications on my phone and calls from the fraud department and they never asked for my password why was he now? I was busy multitasking with work at the time so wasn't thinking straight and he never answered my question just reassured me he was who he said he was. So I gave him my password and he sent a login verification code to my phone as he was logging into my account. He mentioned a {$5500.00} wire transfer was going to hit my account for the hardship the fraud has caused, but it would be taken out within 30 minutes. While on the phone he deposited {$4900.00} into my savings account. We got off the phone, and I noticed shortly after {$5500.00} was taken out of my savings account and I called USAA immediately to see why they took out more money than they deposited in and realized I was being scammed at this point as they drained all 6 of my accounts transferring money out through XXXX. USAA submitted a report to their fraud department, and we should hear back with 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report has incorrect information and is missing my correct address. I also am seeing unknown accounts on 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 non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital Systems has violated my federally protected rights under the FDCPA. I never received dispute notice. Jefferson Capital is using my consumer report with extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. You are also collecting on an time barred debt. I am not paying the alleged debt and I am putting you on notice to Cease all communications from me from all mediums including my consumer report within 15 days or I will proceed with legal matters or all violations and damages this injury caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Never received a credit card rewards. They claimed to have sent it then it expired so i never got to use my rewards. They wont send me a copy of my expired certificate.

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 2022-08-23 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:
I have collections showing on my credit report which I've paid, company and I agreed on having this items removed from my credit report. Only one was removed the rest still there but I've paid for them this is crazy.

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 2022-08-23 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my 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 non-monetary relief
Consumer complaint received 2022-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Last year, I received a credit report from TransUnion because I had a question about our FICO score. Our FICO score dropped from in the 800s to almost 700. So when I received the report it showed a credit card from XXXX showing a {$520.00} bill ( which we had not EVER received a monthly statement for ). I called XXXX right away, and they couldnt give any information other than we had not received payments for months + finance charges. I paid them the full amount over the telephone, because they had my name, etc. ( My mistake ). Meantime I have made telephone calls to XXXX, was transferred to 3 different representatives after explaining what the problem was and they said that I had to be transferred to the credit card department. They couldnt help so I was transferred to XXXX, who had one of the errors on their report and said they would delete an address which I had never lived at, they then transferred me to another credit reporting company, who then told me I would have to call TransUnion, since they sent me the report to begin with. Again for the 6th or 7th time I explained everything from the beginning. Even though they had my name and former and current address and telephone numbers, they couldnt give me the lenders name for another womens name and 2 unknown addresses that was on my report. I dont know what to do, I have been on the telephone for hours. I am thinking possibly she hacked my credit card and charged something, and I am the one that paid for it. I cut up after that all my credit cards except one. From the beginning I was told if I did not pay it, my credit would get worse. Why, if TransUnion had all my info could they not get ahold of her? Especially, her name was on my report or XXXX if they had her name and 2 addresses for her so I could possibly get my money back. We have always paid our bills and loans on time or before the due dates and paid them in full. Would you please be able to help me? Thank you so very much!

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 2022-08-23 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
EXPERIAN INVESTIGATED MY DIPSUTES IN ONLY 5 BUSINESS DAYS? HOW IS THAT POSSIBLE? DID THEY ONLY USE XXXX AGAIN?? WHERE ARE THE REQUESTED WRITTEN DISPUTE RESULTS? WHERE IS THE PROOF OF THE PERSON THEY VERFIED THE DISPUTE WITH? WHERE IS ALL THE DOCUMENTATION I REQUESTED THAT EXPERIAN USED TO VERIFY MY DISPUTE? EXPERIAN CLAIMS MY DISPUTED ACCOUNT WAS VERFIED AND UPDATED? HOW? NOTHING CHANGED!!

PLEASE SEE THE BELOW COPIED INFORMATION FROM EXPERIAN DISPUTE CENTER, THE " STATUS UPDATED '' DATE IS STILL SHOWING XXXX XXXX!!?? 
A CLEAR SIGN THAT NO INVESTIGATION WAS DONE, ONLY XXXX WAS USED : Account info Account name XXXX XXXX XXXX Account XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Closed. {$31000.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$35000.00} Highest balance {$0.00} Terms60 Months PLEASE SEE BELOW HOW FAST MY DISPUTE WAS " SUPPOSEDLY VERIFIED '' : The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. 
Source : Experian Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report NumberXXXX  Account Number : XXXX XXXX : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XX/XX/XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 
Source : Experian Date Submitted : XX/XX/XXXX Report Number:XXXX Account Number:XXXX  Company : XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ALSO THE ADDRESS ASSOCIATED WITH THIS ACCOUNT DOES NOT MATCH ANY OF MY ADDRESSES LISTED ON MY EXPERIAN CREDIT REPORT. 

SO MANY VIOLATIONS OF MY DISPUTES FOR THE LAST 8 MONTHS. 
THIS HAS TO STOP!!! EXPERIAN IS CAUSING ME TO STILL BE UNEMPLOYED  AND I AM SUFFERING FINANCIAL HARDSHIP BECAUSE OF EXPERIANS INACCURATE REPORTING!

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 2022-08-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: MI

Complaint narrative:
This is a follow-up XXXX that was returned as " not our company '' which is false. We verified by calling Reverse Mortgage Funding today that you are servicing this loan. Why do you make this so hard? 

To : Reverse Mortgage Funding From : XXXX XXXX XXXX, elder sister of XXXX XXXX XXXX, deceased re : Extension needed to stop foreclosure PROPERTY of XXXX XXXX, deceased XX/XX/2022 ADDRESS : XXXX XXXX Ct, XXXX XXXX, CA XXXX I just spoke to XXXX to request an extension for the home property of my brother, XXXX XXXX, which apparently is threatened w/ foreclosure. I am trying to deal with this from MI. I explained that for Proof of Effort, I had already provided contact information for the Realtor and the Attorney handling the property sale but that I could not provide an ad for the sale until probate has been completed, which they hope will occur by XXXX but we dont have any control over the judicial system that does this. I had already provided the information for the Realtor and the Attorney for the proof of effort but will provide it again : Atty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX cell : ( XXXX ) XXXX This is the Attorney who is handling the probate. Realtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX cell : ( XXXX ) XXXX This Realtor is managing the property and tending to the landscaping, which you can easily witness by visiting the property. They can not prepare the interior until probate has been complete In the meantime, can you please grant the extension and stop the foreclosure? Also, my brother XXXX  from XXXX complications. So he would qualify for foreclosure extensions through federal protections. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ( XXXX ) XXXX, office ( XXXX ) XXXX, cell XXXX XXXX XXXX XXXX, XXXX XXXX, MI 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 explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been trying to resolve this problem with HSN for 4 months with no success. I have called HSN a number of times to ask for information on my account. I havent used my HSN card in about 5 years and I can only remember one purchase for an XXXX. This would have been paid off long before now since I have made regular payments. HSN used to be with XXXX XXXX, then changed to Sychrony. I called XXXX and they were not able to help from lack of information from HSN. I called Sychrony Bank in XX/XX/XXXX, and they tried to help. We did a 3 way call with them, myself and HSN. Still the billing supervisor at HSN could not see any record of a purchase beyond the XXXX  that i knew about. They do not know why the statement was so high in XXXX of XXXX when the XXXX  was purchased for {$500.00}. My payment were not late so I just continued to pay. Now I have to have answers to this issue and my husband is ill and I do not have the time or INCOME to keep paying without knowing what it is for. I have reported this to XXXX, XXXX. I believe the bookkeeping at HSN is terrible, and they offer no resolution. I am now getting a bad credit score because of HSN. The account is SYNCB/HSN account number is XXXX I just want to know what I am being billed for not just what they say I owe them. I think my account has been compromised by another customer or some other type of fraud- or they would be able to tell me what these charges are 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 monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on 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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed with the credit bureau about this debt and have screenshots of the debt amount changing and the debt opened date changing as this debt was originally showing a date of XX/XX/XXXX and now showing a new date opened in XXXX. I feel this company is just trying to keep the debt on my credit report longer by using incorrect dates.

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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a claim on XX/XX/2022 with Bank of America due to my debit card and information being stolen. This includes my identification, PIN, etc. The claim is for transactions totaling {$1300.00}. Bank of America is rejecting my claim from this fraud that was done to my account because they believe the charges were done by me or someone authorized to use the account. I have told them already that nobody but myself is authorized to use this account or my debit card. I had not signed any receipts with my signature personally and with my ID card and PIN which was in my wallet as well, anybody could access this information and forge my signature or get into my account. I have NOT authorized any single one of these charges.

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 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I was notified by my bank about a year ago about credit card fraud where the person used my XXXX account and ordered various items on my debit card and/or through my XXXX. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX  EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.

Company response to consumer: Closed with non-monetary relief