vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I had put a hold on my health club membership at XXXX  XXXX and was told by a representative that no further charges would be forthcoming until I decided to take the hold off. I then received a bill for the next years membership fee of I believe {$49.00} ... I then called and spoke to manager and was told that I had to pay that before they would cancel my membership. I did not understand why I should pay for the next years fee if I was on hold and told nothing would happen until I decided to take it off hold. 

Next I receive notice thru XXXX XXXX that I have negative credit issue on my account. I checked it out to see that now they were asking for {$83.00} to settle my debt. I called First Credit Services at XXXX to dispute amount and attempted to settle debt today. The person I spoke with had a strong foreign accent and was difficult to understand but we agreed on {$60.00} to settle debt. He then told me he couldn't take credit card but I could pay with my bank account. I work in XXXX XXXX and know that you don't give away your bank account information to anyone. He then told me to call back in an hour and see if they could then take my credit card. I called back to settle and now they told me that the client XXXX  XXXX has put the account on hold and I can't pay it!! I explained I wanted this off my credit record but they said I would have to talk to client but they aren't even open now for business!! 

If XXXX  XXXX is forgiving debts that's one thing and that would be great but if not there is no reason I shouldn't be able to pay this now and get it off my credit record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: FL

Complaint narrative:
I have been a victim of Identity Theft. 
these are unauthorize 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
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of Identity Theft. 
these are unauthorize Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
I called 3 days in a row to get my car title which I was never given. I was given a title from XXXX which I payed the vehicle off XX/XX/XXXX. They also stated that they threw out my title. I told then that was illegal they are supposed to keep my documents for at least 7 years. When I finally got the title the lean holder was still mention even after the fact of me paying off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express opened a card in my wife 's name when she was not included in the application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 i made a purchase from XXXX XXXX in the amount of {$8400.00} for merchandise that was suppose to arrive before XX/XX/2019 .And i never received this merchandise. After numerous attempts in trying to resolve this matter with the credit card company all my efforts were made i do not get a resolution to the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have been a victim of Identity thief and my personal information has been compromise. 
I've noticed collections and inquires on my credit report. XX/XX/2020 XXXX  XXXX XXXX {$230.00}. Also CAPIO PARTNERS LLC. {$230.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
The CBE Group , Inc has sent several attempts to collect a debt and has violated my rights as a consumer under The Fair Debt Collections Practices Act. Letters dated XX/XX/XXXX and XX/XX/XXXX. Violations include 15USC 1692b ( 5 ) Acquisition of Location Information, 15 USC 1692d ( 2 ) Harassment and Abuse, 15 USC 1692f ( 1 ) Unfair Practices, 15 USC 1692g Validation of debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: KS

Complaint narrative:
-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans. 

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA . 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AZ

Complaint narrative:
On XX/XX/2020 at XXXX I recieve an email alerting me to a change in my credit report. The alert further states that a Chapter XXXX bankruptcy was filed with the US Bankruptcy court on XX/XX/2020. I immeditately take off work and begin the process of filing an identity theft claim. I go to identitytheft.gov and file a complaint while I am on hold for 45 minutes waiting to speak with someone from TransUnion. I finally reached XXXX at TransUnion who confirms the bankruptcy is reported on my credit report. I asked her what court and who can I contact who can provide more information. She told me the lawyer name is XXXX XXXX and the bankruptcy was filed in the US Bankruptcy Court of Arizona. I contact the US Bankruptcy Court of Arizona who confirm they have no bankruptcy under my social security number. I then call the attorney who confirmed that his client and I have the same name, spelled the same way and both of us have the same last 4 digits in our social security number, however after confirming the first 3 numbers of my social and my address he commuicated I am not his client and stated TransUnion likely failed to review other identifiers to delineate my identity from his clients and suggested I contact them again. I contact TransUnion ( File number XXXX ) again and spoke to XXXX and provide all the pertinent information for them to validate my story and was told again their investigation takes 30 days and they have documented the information I provided on the attorney. I am in the middle of a refinance, I have a day of lost wages only to find out Transunion is the only bureau of the 3 credit reporting agencies who failed to do their due dilligence. This not only impacts my credit score but I have another persons personal information on my credit report. 30 days is not acceptable to resolve this issue and a fine or some sort of process change should occur to ensure when there are similarities amoug people ( names, DOB, etc. ) that additional quality control mechanisims are implemented to mitigate errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and 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
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
XX/XX/2020 Online Transfer our joint checking account {$5000.00} to CHK ... XXXX ( my wife 's new XXXX  checking account. ) transaction # : XXXX In the joint checking account, the transaction was done, the money has already been transferred. 
But Chase sent a letter shows my wife 's new XXXX  checking account have {$0.00} balance, the money did't transfer to it. And her online account access has been locked. 
Called several times to Chase ( every time need wait 1-2 hours ), explained we are at Hawaii, without any Chase branch here. Due to COVID-19, hawaii government prohibit people travel to other states. 
But they insist my wife need go to Chase branch to deal with that. 
We don't know what to do. Can you help us with that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and 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
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services
State: MT

Complaint narrative:
On approximately XX/XX/XXXX I was served with a summons from XXXX XXXX XXXX on behalf of Centron Services XXXX DBA XXXX XXXX that was dated XX/XX/XXXX notifying me that I had some medical debt that was owed to XXXX.XXXX  from services that I received. I had received services at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had provided the hospital my insurance card and had not received a bill so I assumed the insurance had paid it. I was shocked when I received the summons as I had never been notified of the debt, nor had I received my rights to dispute or validate the debt owed. Upon trying to call Centron I  was told my response to the court was due XX/XX/XXXX. I told them that I had neither received notice via mail or by telephone letting me know the debt was outstanding. This is a violation of FDCPA and when I asked about making payment arrangements they refused to allow me to make payments and I " better figure out something within 2 days ''. I told the representative that I had been laid off due to Covid-19 and she became rude and told me I was " going to court '' and hung up on me. I do not feel their behavior was appropriate and threatening me and refusing to assist me or allow me to get assistance from the original creditor is against my rights. This has caused me great emotional stress. This has been a terrible experience and they should be ashamed of themselves for denying me my rights and threatening and hanging up on me. Further more, when pressed the agent was unable to give me a valid phone number ( the hospital has my current number ) and would also not verify the address they had on file for me. They have added court fees and interest to my bill which should be removed as I was never notified of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself XXXX and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4 years i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX  website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
Fraudlant charges on my card I reported them to bank of america the day they happened. 

Bank of america rejected my chargeback wven though i reported my card stolen in a timely manner

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 2020-04-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.

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