vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 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: OH

Complaint narrative:
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXXI {$300.00}, XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX . XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from lexis Nexis, corelogic, Innovis, Sagestream. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019. Two fraudulent transfers were made from my JP Morgan Chase account ( ends with XXXX ). 

XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$750.00} XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$1100.00} We did not authorize the transfers and did not know who those recipients were. We closed Chase and filed a police report ( in XXXX CA ). The transfers made when my home computer and cable modem turned off. I received a letter from Chase saying that 'We found that transaction was processed correctly or was authorized '. Please help. 

Thank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date of occurence was XX/XX/2019, XXXX $ scammed via a online fake puppy website for pugs, it was under my belief that it was a licensed breeder in another state. Payment was to be through XXXX and as it had me login to my Bank of America account the scammer had an account to receive funds I had assumed. All of it seemed that it was safe, as I did not think a Bank would work with an App that was unsafe.I had became concerned and reached out to a BOA rep in the fraud department an hour or so after the occurence. It became apparent it was a scam, after the fake breeder informed me I would need to pay XXXX $ for a specific puppy crate, that is when I contacted BOA to relay my concern for a second time.Unfortunately the website XXXX is still up and I have reported this to multiple sites to flag this. Hopefully to prevent this from happening to others.

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 2019-04-20 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: MoneyLion Inc.
State: CA

Complaint narrative:
I was notified in XX/XX/XXXX by XXXX XXXX, a fraud detection service that there was activity on my credit report. The information showing up was an account opened through Moneylion INC XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX. The account number shown was XXXX and it shows secured loan of {$510.00} per month paid bi weekly for 11 months. I do not use credit for anything so this was a big red flag. I have no knowledge of this account or this company. I took the steps to look at each credit report in XX/XX/XXXX after notification and filed a dispute of this account. Both XXXX and XXXX   have deemed this account as accurate after my dispute. I placed a fraud alert on all 3 credit reports too. After that information, I went on identitytheft.gov and followed the steps. A letter was mailed on XX/XX/XXXX along with phone calls to Moneylion to let them know the account was fraudulent. They told me to fax in the requested paperwork along with a signed affidavit and I did that. I was then told no, that's not enough, you have to file a police report. I then contacted the XXXX XXXX Co Sherriff 's department and told them what was going on. They said they can not take a report because no money was taken, it was only a fraudulent report and to dispute it. This company refuses to release this account and take it off my report. I have taken all the necessary steps and they are not cooperating. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I received a text msg that stated it was from Chase Bank and that my account had been frozen and I needed to click the link to verify my account information. I clicked the link and it took me to a Chase site were I logged in with my password and verified my information. A week later on XX/XX/2019 I checked my bank account and noticed that {$2000.00} had been transferred from my savings to my checking and then transferred out through XXXX to an anymous email address which they listed under my sons name. That's when I realized that the link I clicked on a week ago was not Chase but actually a scammer. That's how they got all of my bank information and was able to go into my account. I notified Chase and filed a claim the same day. The representive stated they would investigate it and credited my account in 10 days. Well, on the 10th day the money was not there and when I called the bank they told me my claim was denied. I didn't understand why when I explained to them what happened and even offered to send them the link that was sent to me which they stated they didn't need. I asked to speak with a supervisor and she stated that they didn't have to do an investigation because it showed that I authorized the payment and it was also done from my device. I tried telling her that when I clicked on the link that was sent to me that's how they were able to get into my account and also since I used my phone, that's how it showed up that it was my device. I asked her why would they not investigate so they could see what account my money went to so they could know that my account was hacked and I did not authorize this payment. The supervisor was rude to me and stated she couldn't help me. I can't believe that as long as I have been a customer and have never had a problem that they wouldn't take the time and investigate this situation so I could get my money back. I have never been so disgusted on how I was treated by Chase Morgan Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
A new collection posted to my credit report and I have no knowledge of who this is from. Never received any notices in the mail, bill or do I owe them anything. I have no knowledge of what services I have with them. I have no signature, copy of Id or signature to say I or this account is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: WA

Complaint narrative:
A few weeks ago I was purchasing flights through XXXX XXXX ( XXXX ) Upon purchasing I was presented with an offer for a credit card that provided a statement credit of {$250.00} if you use it to purchase your flights. ( AAdvantage ) I signed up for the offer and used the card immediately to purchase flights. I could have used several other cards I have with really good rewards, but I did not due to this offer. 

When I received my first bill in the mail, I noticed I did not receive the advertised credit, which was the reason I signed up. 

I called in to customer service, thinking they could easily help me, but apparently there was two cards accidentally created at the time of sign-up with the second card actually being used for the flights, and also the one I received in the mail.

Obviously I never wanted two cards.

I had to be escalated to a manager who said there was nothing they could do because there was two accounts created, and my offer was stuck on the " first account '', which was never used.

I explained that I only used one of the cards to buy the flights ( $ 800+ ) and I just wanted the duplicate card closed and my statement credit fixed. 

They repeatedly told me that because there were two cards created, I am out of luck, and there's nothing they could do for me. 

I explained over and over that the multiple accounts being created was an accidental circumstance that I never wanted to happen. 

All they had to do was hear me out, realize that two cards were created in error, and hook me up with the credit as advertised. 

So, I cancelled both cards and I am avoiding doing business with either Citi or XXXX XXXX ever again. 

This was a blatant slap in the face which should have been the beginning of a new customer-business relationship. 

I had planned to use this card generously. 

This was one of the most illogical and ridiculous things I have ever experienced, and a terrible way to start a new relationship with a customer. 

From a managerial standpoint, my mind is completely blown. None of this makes any sense, that they would let someone who spends over {$10000.00} on credit cards per month due to a self-owned business completely walk away, so unhappy. 

CITI DOES NOT CARE. 

The employee who denied me is named XXXX and his work code is " 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 monetary relief
Consumer complaint received 2019-04-20 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: OH

Complaint narrative:
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).  The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.

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 2019-04-20 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: OH

Complaint narrative:
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX   {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof.

{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.

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 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company charged me a membership fee when it promised I would not be charge this fee again. I need this fee removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XX/XX/2012 I was encouraged to consolidate my student loans after finished grad school. I had approx $ 40k in XXXX loans and over $ 250k in XXXX loans. I was told consolidating would be cheaper and more affordable payments. I did this and was given a loan through Sallie Mae, which is now served my Navient. I was not thoroughly educated on the interest rate or long implications of consolidation. At the time, my XXXX loans had a fairly low interest rate and payment of around $ 300/month. Perfectly manageable. My consolidation was $ XXXX and interest was set at nearly 8 %. I was making $ XXXX out of grand school. Standard payments on this would have been more than my salary. With the income driven repayment plan I now pay around $ 420/mo. My total loan balance has increased to over $ 450k in the 7 years Ive had the loan. The company has refused efforts made toward lowering the interest rate and with this gigantic balance I cant even afford payments if I tried to refinance the total amount of the loan with another lender. My husband is XXXX XXXX military, so moving has also made it hard for me to advance my wages. They do not take this into account. Furthermore, I am a physical therapist so I work in public healthcare. I was not told that you can only work for nonprofit etc to qualify for certain forgiveness. This is completely unfair, as I am still providing the same needed services to my patients and live in a rural area. I have discussed bankruptcy with an attorney but was advised against it, as I was told they would not likely qualify. At this rate, I will owe nearly a million dollars by the time the loan is done. I will never make this kind of money. What loan companies are doing is fraudulent and needs to be stopped if theres any hope of Americas youth wanting to pursue graduate education

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDICO. INC
State: WY

Complaint narrative:
On XX/XX/2019, I sent the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, SD, a certified letter to stop contacting me in any form whatsoever, per my rights under the FDCPA. Per U S Postal Service records, they received the letter on XX/XX/2019. On XX/XX/2019 they sent another collection letter to my mailing address, in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2019, Citibank closed five of my credit cards accounts which the total credit line is {$50000.00}. This hurted my credit score. And I have many points in the account which I couldn't redeem when they shut down my accounts suddenly. 

The bank said they closed it due to security reason. I have wrote couple emails and mailed out letters to Citibank to explain my situation but I have not heard back from them. 

I don't believe it is fair to close all my cards in this case.

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 2019-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I closed this checking account 2 months ago and now they send a letter saying it's re-opened and has activity. They have no right to re-open it as they please. Should be closed.

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 2019-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: SC

Complaint narrative:
I have found a collection account on my credit report in XX/XX/XXXX. ( I pay everything on time. ) I have disputed the charges with all XXXX credit bureaus. XXXX and XXXX took it off after investigations but XXXX did not.

This moth ( XX/XX/XXXX ), I have received a letter from PMAB LLC collection agency the first time, likely due to my dispute at the XXXX, but the phone number or address of the medical service provider was missing. I did not recognize the name of the doctor 's office neither any services or charges.

I immediately called the collection agency and asked for the phone number or address of this medical office. The collection agency agreed to provide it the next day but they have never called. I looked online by the name of practice and the last name of the doctor on I could find as an identifier and found this group of doctors was located in a town I have never been ( three hours away in the neighboring state and multiple visits ), I have never seen this doctor, never received medicare nor have I ever received home service.

I have health insurance through work ( same for last 8 years ) I have the same phone number for 20 years and my address could have been easily found on the web yet I was never notified about these charges. My address shown by the doctors were also old from years before they claim the service was provided. Drs always verify insurance and address.

There must be a way for the collection agency to bear the responsibility to investigate upon request and the drs office to reach the accused before making false claims. XXXX   said the collection agency bought this debt so I should not go back to the doctors. I wonder if the drs office knows about this at all and the money channels somewhere else in cases like this.

Company response to consumer: Closed with explanation