vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue  legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my 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 explanation
Consumer complaint received 2020-10-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Recently, I was notified that I needed to check my XXXX  account. When I did, I learned that a Southwest Credit Systems, L.P. had reported me twice for an account that was previously PAID ( XXXX XXXX XXXX XXXX year 's ago in the amount of {$230.00}. I am DISPUTING, this reporting to my consumer credit file ( s ). I was NOT contacted prior to these reporting 's for the exact same account. I will fax any and all supporting documentation. Any information shared with the Consumer Financial Protection Bureau will be strictly for the purpose of this complaint " only ''! The company 's aren't authorized to use any personal information outside of this complaint.Coleman @ XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Local Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-10-05 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:
No resolution to a incorrect item on credit report. I am concerned about the validity and accuracy of your investigation of the account with XXXX XXXX XXXX account XXXX. Last month a requested an investigation because the items were not reported accurately on my credit report. I received feedback from you stating that an investigation was completed. your investigation did not outline nor explain who, how, where you obtained your informaiton. What documents did you received to conclude your investigation, and who did you talk to? Please provide a complete copy of all the information you obtained to concluded that your investigation has proof that these items are correct. FCRA guidelines states. my right to know how you verified itms on my credit report or a fine many be assessed up to {$1000.00}. Delete these items as soon as possible or obtain documentation to prove your investigation.

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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:
I've been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
Somebody used my information to make a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
I've been a victim of identity theft

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 2020-10-05 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've been a victim of identity theft

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: IL

Complaint narrative:
I opened an account with etrade online. I deposited a {$2000.00} check in XX/XX/2020 and then etrade closed the account. They kept my {$2000.00} and still have not given my money. Its been 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Total Card, Inc.
State: SD

Complaint narrative:
The XXXX  XXXX XXXX  AKA Total Visa  Card had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with XXXX XXXX XXXX. I now have two fraudulent lines on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: National Credit Adjusters, LLC
State: SD

Complaint narrative:
The XXXX XXXX XXXX  AKA XXXX XXXX XXXX had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with National Credit Adjuster. I now have two fraudulent lines on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have spent hours trying to sign on account and this has happened 5 times before-Discover does not reset password.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I had {$1100.00} in unauthrized transfers on my card occur and had three denied claims that were submitted in time with signature and had my account closed and the balance of {$1600.00} sent to me in three bad checks that were insufficient funds and were bounced and returned to me by Netpsend bank Western Union. 

Western union owes me {$2700.00} for denied claims submitted in timeframe signed and for closing my account without authorization and sending me a bad check.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I submitted two disputes that were denied on XX/XX/XXXX and XX/XX/XXXX for {$4700.00} and {$2000.00}. 

Both diaputes were submitted with complete signed and dated dispute forms and assigned police reports which detailed the theft of my property and were both denied and appealed and denied by Chime. 

I am protected by Visa snd would like for my money to be returned and have complied with bank requests and wish my money returned to me plus damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TN

Complaint narrative:
My first dispute was sent the beginning of XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. The results of my disputes were completed XX/XX/XXXX. They are refusing to remove 3 of the 4 items from my credit report. They are XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. Per FCRA guidelines 650 Iwant this items blocked from my 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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CA

Complaint narrative:
Ides deposits here but i ndver get my money for reported frauds. I have never seen key respond to complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
On Thursday, XX/XX/2020 at about XXXX XXXX an armed XXXX with a bullet proof vest showed up at my private residence to serve me papers of an apparent credit card debt from the Ratchford Law Offices ( XXXX, PA ) aka XXXX XXXX, XXXX, aka a debt collector. I had no previous knowledge warning including letters or other forms of communication. I was blindsided by this whole event. Not only was I blindsided I am in immense fear and have been having nightmares since this XXXX showed up at my home. My emotional response has been darning. The point is not whether or not I may or may not have the debt they accuse, but that these debt collectors are using XXXX and the courts to scare and intimate people. The small claims courts and magistrates are just as bad by allowing this to proceed especially when most people are in debt and can't afford an attorney. I have asked the debt collector for more information and they have yet to comply. My " court '' date was moved from XX/XX/XXXX to XX/XX/XXXX, to now XX/XX/XXXX. XXXX.I can't afford to take time from work for this.The statutes of limitiation in PA to collect a debt is 4 years. I think this may be past its expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has charged off my account ending in XXXX and reported derogatory information to credit reporting agencies resulting in the loss of more than {$30000.00} in credit and the loss of employment. 

The account was not delinquent or owing in anyway. In fact, Chase owed me nearly {$1000.00} in Rewards Points which I was prevented from receiving. 

The money Chase alleges to be owed on the account was the balance remaining from charges I had timely and appropriately disputed, which Chase did not investigate and for which Chase ignored all appeals on my behalf to investigate/reinvestigate. 

One portion of these disputed charges involved a company against whom I had filed a Federal complaint, the company has since been sanctioned and closed. Chase gave them my money despite my clear and timely dispute. Chase did not review my documentation or investigate my claim. 

A second portion of the disputed money involved a merchant with whom I had disputed several items, none of which I received. Chase inexplicably provided credit against only a portion of these items, never demonstrating that the other items were delivered. Chase didn't investigate this dispute. 

Chase ' failure to accurately and authentically investigate multiple disputes is the sole reason my account appeared to be unpaid. I have no obligation to pay for items I never received and legally disputed. Chase ' actions are illegal in light of their failure to investigate my disputes. 

Chase has defrauded me of nearly {$1000.00} in rewards points I earned by using their card as described. Chase has caused me considerable damages in credit worthiness and employment options. 

Chase actions are in violation of credit card laws and they should be restricted from further business activity in the banking or credit industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My social security was in the black market and bank account was opened in Chase under my name without my permision, I called to speak with a fraud department and they just told me they will cancel my account and never send me a letter stating that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I reached out to a travel agency online known as XXXX to purchase 3 tickets to XXXX. Due to Covid getting worse I though it would be best to change the dates from XX/XX/XXXX to alter date but when I reached out to the agency via e-mail to do so I received no response. I tried calling them as well and the phone number listed in the confirmation e-mail I received is not in service. Due to these red flags I tried looking up the eticket numbers from the confirmation e-mail I received with the airlines listed in the email and found out the ticket numbers are fake my trip does not exist. I reached out to American Express immediately to dispute the charge and get my money back so I can book directly with an airline company myself on XX/XX/XXXX. I even submitted screenshots showing the eticket numbers from the confirmation e-mail does not exist with the airlines the travel agency falsely claimed to book my tickets through. The travel agency sent American Express the same falsified confirmation e-mail they sent me with the same e-ticket numbers that does not eco and I sent them proof it does not exist. American Express stated regardless of my proof that the tickets does not exist and this was clearly fraud since they submitted something they have to re-charge my account. Completely baffled I re-opened the dispute 2 more times for the same lack of result for a clear display of fraud from the travel agency side. On the third dispute made American Express re-charged me TWICE for the same dispute amount {$940.00} sending my account balance from positive {$450.00} credit limit to negative XXXX and change. I had no reason to be re-charged this disputed amount and much less twice!!! I submitted a billing inquiry only for them to tell me to review my statement that shows what I already know and told them. They did not resolve my dispute and then they re-charged my account TWICE for the same dispute and refuse to fix their mistake as well!!! Im beyond upset and at this point if this is not resolved Im filing a police report for fraud against both American Express and XXXX and if this isnt resolved Im filing a lawsuit for fraud to both as well, American Express had no right to bill me twice for one single disputed amount. Ive attached a screenshot of my last statement showing where the morons charged me twice for the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020 I was charged on my debit card {$73.00} by XXXX XXXX for an order that I called XXXX XXXX customer service and cancelled that same day ( on XX/XX/2020 ). Which I confirmed WAS within their 7 day cancellation policy for full refund. When I called and spoke with merchant ( XXXX XXXX  ) again on XX/XX/2020 ( 7 days later ) to inquire why I havent received refund? XXXX XXXX customer service said it can take up to 5 business days to see credit. I waited and called again on XX/XX/2020 ( 15 business since order date ) and was told they issued credit/refund to me and if I didnt receive funds then I needed to contact my card issuer. So, I contacted Simple Bank and was told I needed to submit a dispute form which was submitted ( and confirmed receipt of dispute form ) on XX/XX/2020. Ive contacted Simple bank a total of 17 times asking for update and inquiring why I havent receive my provisional credit per efta federal law after the initial 10 days?! Most frustrating, when I call I can only have the customer service rep send an email to dispute investigator, no contact phone number. Or when Ive sent 13 emails with a total of only 2 reply responds that state the same response sometimes it can take up to 90 days to get a finalized investigation conclusion. Ok well its been over 90 days!

Company response to consumer: Closed with explanation