vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: CarMax, Inc.
State: GA

Complaint narrative:
The account was initially reported as charged off, and when it was posted to my file as a charge off, I initially disputed the account and got it removed because I never had a car loan with CarMax Auto Finance and, as a result, it should not be reporting as an open account. In addition, the balance was reporting as XXXX. This account is reporting fraudulently on my credit report, and it is also blatantly reporting inaccurately in an attempt to lower my credit score. I also challenged this account and got it deleted. my credit history. Due to their flagrant violations of section 1681s2-b, the data furnishers at CarMax 1 . After being informed of this account, failing to conduct a thorough inquiry Possible inerrancy 2. Reopening this account just to reinstate its previous removal from my credit report ; 3. Listing the sum as a charged-off account on my credit report, 4. Adjusting this account 's date of closure, 5. The prospect of collecting any late fees related to this closed and charged-off account. This violations the Consumer Financial Protection Act, And the Fair Credit Reporting Act. I have tried everything to reason with this company, and dispute these items normally. If necessary, however, I do plan to escalate this to the federal level. I will be in contact with my lawyer. Unless you immediately remove the information from my credit file, I have filed a complaint with your state attorney general as well as the Consumer Financial Protection Bureau. The next step will be to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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:
Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-26 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:
Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Hello and thank you for helping out, I have my card in my possession however its passed the expiation date. 

Ive been waiting for a replacement and nothing has arrived. 

I submitted a request online twice as instructed and nothing has arrived yet.

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Upon reviewing the contents of my consumer report, I noticed that I C SYSTEM INC. and I C SYSTEMS COLLECTIONS have a negative account listed in the amount of {$550.00}. This company is in complete non-compliance of state and federal debt collection laws. This company had to notify me about certain things pertaining to this debt once it was acquired from the original creditor and before they reported it to the credit bureaus such as : the identity of the original creditor, an itemized accounting of the debt and if they don't have this information they can not comply with state and federal regulations therefore can not LEGALLY make attempts to collect the debt. I C Systems INC was also obligated to disclose the amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections, the amount of fees and other charges added since the acquisition of the debt if any, a statement describing how the debt collector acquired the debt from the original creditor, and if applicable any payments made by the debtor since debt was sent into collection. On my consumer report it states that the debt was placed for collection in XX/XX/2022 but according to the payment history, the debt was placed for collection in XX/XX/2022 making the information provided to the CRA 's inaccurate. On my consumer report under " Type '' it states " XXXX XXXX ''. According to state and federal debt collection laws it is ILLEGAL for a debt collection agency to pretend as if they are attorneys in an attempt to intimidate the consumer into paying the debt. 
Furthermore, this company did not CONSPICUOUSLY disclose on the statute of limitations regarding this debt. I C Solutions INC has an obligation to be aware of the statute of limitations of any debt they attempt to collect on. I was not notified that the statute of limitations expired, I was not notified that it is a violation of the FDCPA to sue to collect a debt for which the statute of limitations expired, I was not notified that I do not have to admit to owing the debt or give up rights regarding the statute of limitations, I was not notified that if I admit to owing the debt or promise to pay the debt, the statute of limitations will restart. 
I have received NONE of the information listed above, had I not pulled my credit reports from the credit bureaus I would have had NO KNOWLEDGE whatsoever that this debt even existed. I am accepting no other action but a DELETION of this erroneous information off of my consumer report. These deceptive collection practices have caused harm to my reputation as a consumer, and I request that the CFPB upholds the law and grant me the swift justice I deserve.

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 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My Kohl 's charge card was blocked some time ago, but I made payments anyway even though I could not purchase anything. I have been harassed for quite sometime now, and reported to the Kohl 's company that my card and account charges were due to identify theft. They have not considered I was a customer for sometime and have been harassed only to make payment on a debt that is due to identity theft. During a time I was under contract with the U.S. Government for confidential assistance during the XXXX war, my card was hacked and any debts are the result of identity theft which I have repeatedly told the company. I continued in good faith to make payments waiting for Kohl 's to advise they would take care of resolving the matter. However, as a good customer and at a time of national urgency, Kohl 's has repeatedly ignored my statements regarding identity theft. In addition, Kohl 's has violated the no-call list of which I am listed on, with repeated harassing calls, and with robots calls everyday of the week including weekends and holidays ; I have tried to work with the company but am harassed for no good reason. I have been offered information that I can file suit based on violation of the no-call list and disregard for debt I alerted Kohl 's on which is result of major home invasion, property theft and identity theft. It is suggested I can sue for harassment and no-call violation which is now option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
I have a mortgage with Mr. Cooper. I had a mortgage relief when the pandemic started in XXXX. It had continued for two years. After that point I was not able to pay because of loss of income. i have been working with the company to try to resolve the problem. Recently I have had a person intrerested in buying the property. Because of the amount I still owe on the property we were trying to do a short sale. When this was submitted on XX/XX/XXXX it was rejected because they said it was to close to foreclosure date of XX/XX/XXXX. 
We have tried to get Mr. Cooper to extend the sale date but they have refused to do so. 
I am requesting your help with this problem so we can do the short sale. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I disputed all late fees and interest charge for XXXX XXXX  XXXX by Barclays US which was reversed back in XXXX and my account had overpayment of {$75.00} balance ( surplus ), which they sent me check for later. BR/Barclays US put a delinquency/late payment history on my credit report and did not remove it. I disputed the report with XXXX and upon providing screenshot and uploading the statement records showing that all fees have been reversed as such the report need to be corrected. However, XXXX still did not remove or correct the delinquency, despite disputing multiple times, and as per their statements, XXXX XXXX refuse fix or correct the delinquency/late payment history, provided that all fees has been reversed. I have contacted Barclays customer service line in XX/XX/XXXX, XX/XX/XXXX to fix these and again XX/XX/XXXX XXXX EST to XXXX EST to inform them of the issues. However, they refused to help or resolve these issues. XXXX the account manager refused to even answer/admit fees were reversed, and when I pressed him further he did so unwillingly. Then, I requested his title and his name correctly, he refused to provide those information and then put me on SILENT and eventually hanged up thereafter. This seems to be a new pandemic systematic tactic being used by Credit Card company to adversely undermine consumer credit scores and then charge higher interest rates and late fees on the account. Upon doing so, they make it nearly impossible to difficult to fix or correct the problem causing severe XXXX, XXXX and mental health issue. 

I called XXXX XX/XX/XXXX at XXXX XXXX EST. spoke to experian rep XXXX and as per our conversation, the rep stated that BARCLAYS BANK continue to provide them with the old information and not the most current which showed or shows statement of all fees being reversed. The rep also went further stating that BARCLAYS BANK has done this several times upon disputes and she will once again put in another dispute with Barclays to fix this issue. 

XXXX STATEMENT : Report Number XXXX XXXX XXXX REP XXXX .... 

We are responding to your request to verify item ( s ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information.

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 2023-06-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Recently received a notification on XX/XX/2023 that I have a new Hard Inquiry on my credit report originating from " WF CRD SVC. '' I immediately reached out to XXXX to create a notification next time my credit is run and also reached out to Wells Fargo to let them know that this was done without my knowledge.

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 2023-06-26 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY " FIFTH TIME YES 5 TIMES I HAVE REQUESTED FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Phone calls early mornings, weekends or nights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DigniFi
State: TX

Complaint narrative:
On XXXX XXXX I sent and opt out of a arbitration and Dignifi fail to respond and sent me receipt of this request.I then again in XXXX XXXX mail a second notice to another one of the company known addresses and it came back not deliverable. Dignifi is not even licensed to do business in Texas and have no actual or legal address in Texas.How can I file a claim on a company that not licensed in the county of the suit .Dignifi initiated business with me through practices of deceptive and arbitrary flexibility regarding payment structure and customer service. They continued their relationship with me through abusive practices of misdirection and empty promises. They maintained a measure of unfair means of leaving by posting non-delivery addresses on their website and reports, also e-mails and links were returned saying those accounts were not active. Hopefully you guys will have better luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
According to 15 USC 1681a2 I did not give any written permissions to have any accounts furnished as a consumer my rights have been violated I am in distress that false information is being reported onto my consumer report.THIS ACCOUNT IS PAST 7 years of age

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Phone calls early mornings, weekends or nights

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 2023-06-26 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: FL

Complaint narrative:
I was reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I visited Chase Bank ( branch XXXX XXXXXXXX XXXX, NY ) to create a cashier 's check of {$20000.00} from our personal checking account. This check was to be used for an earnest money deposit and was time sensitive. 
Chase issued a check, but instead of being issued from our personal checking account, it was noted as being issued from my business. This was not acceptable for the purpose of the deposit. 
Chase took the check and tried to reverse this to create the check under my name. They made a mistake in the system and, after several hours, could not return the money. They agree it is their mistake but that it's out of their control. 
They have informed me that I should have access to the money in the coming days, but this isn't an acceptable solution when we are legally required to provide this check in a time-sensitive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, my Wells Fargo Checking and Savings accounts were hacked with unauthorized wire transfers via the Wells Fargo mobile app ( which I do not use ). Initially, the hackers attempted to take {$390.00} from my checking and were thwarted, however, they were able to take {$11000.00} from my savings. The fraud specialist promptly shut everything down ; online logins, my debit card, and both account numbers. 

On XX/XX/XXXX, I called the fraud department for an update on my claim and WF is telling me the claim is closed because they could not retrieve the funds from the beneficiary account and all I can do is file a police report. I asked the Bank Manager to escalate the claim and at this time, the only recourse seems to be that I keep requesting WF to continue to make attempts to return those funds to the account from the beneficiary bank. The Branch Manager told me sometimes it takes a few attempts, but I'm not convinced they'll retrieve it. I filed a police report with XXXX XXXX as well as an online FBI report. 

On XX/XX/XXXX, I had the WF fraud department attach my police report case number to the file, which may or may not reopen the claim.

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 2023-06-26 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I signed an agreement with XXXX XXXX XXXX owned by XXXX XXXX and XXXX XXXX. The agreement contained mutual out clause with XXXX days notice. The merchant breached the agreement and disclosed private information on XXXX in the initial weeks of the agreement, they then failed to adhere to the services purchased which was intellectual property ( XXXX Websites plus management of my XXXX XXXX ). I continued until XX/XX/XXXX to get them to honor the agreement and remove my information which was seen by XXXX XXXX people. On that day they assigned me another website drop shipping store that also did not deliver the benefits included in the statement of work embedded in the contract. As of XX/XX/XXXX the one store assigned for that week dropped down to {$0.00} and never met the stated benefit that I would receive as revenue for their service. Amex continued to say something about me being in a XXXX month agreement however as of the date of my initial request to Amex to recover the lost funds which would have been in XXXX of XXXX, I no longer have access to any intellectual property or the revenue generated. XXXX XXXX took all the stores back and the profits received or not received. 

I notified all my credit card companies and worked to recover the {$120000.00} I paid for a turnkey service. While all the other companies have refunded my money ; Amex refused to recover {$42000.00}. I've reached out to Amex multiple times after following their dispute process which should have been listed as fraud from the start and each time I provided an absorbent amount of documentation they closed the dispute in favor of XXXX XXXX XXXX. Each time I contacted Amex to send me the correspondence they received from XXXX XXXX they sent me an automated email saying check the website for secured messages. However once I notified Amex about the fraud and initial situation they replaced all my cards so the automated emails referenced my old account then the website would not show any information for the card that I replaced only the new card. This has been a disaster and while I have zero balances on my amex cards, the funds at the early direction of XXXX  at XXXX XXXX was transferred to two individual banks ( XXXX XXXX and XXXX XXXX XXXX  ). I need amex as the purchaser of record to retrieve the money back for services paid for but not rendered so that the balances at the other two banks can be paid off. I'm currently work in with a Special Agent at the FBI with regards to the felony theft and use of personal identification and cards for XXXX XXXX  but I need the government to force Amex to retrieve the funds for services not rendered especially since I put a XXXX day out clause.

Company response to consumer: Closed with explanation