vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: AL

Complaint narrative:
I closed and account with XXXX XXXX when I moved to a new address in 2021. I made sure that the contract was completed, i talked to the company over the phone and made arrangements to return their equipment. I specifically asked and made sure that no money was owed. Approximately 6 months afterward I get a call from a collection agency and I told them the situation. The account went to collections and it has negatively affected my credit. I tried applying for a loan at my bank and was denied because of the collection. The amount I owe is {$100.00} which I could easily pay but I have refused because I don't feel it's fair to have to pay for something I know I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX   I was emailed and called about a loan I was approved for with XXXX. Little did I know, I was at the beginning of a scam. The fraudsters contacted me via email, and then by phone saying I was approved for the loan. I was excited that I was approved and would be able to pay some things off! Well, things escalated quickly as I was actually speaking to fraudsters who then within minutes deposited 5-6 fraudulent checks into my account! They then told me I had to send the money back immediately to them via XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a " known '' scam that I did not know about. I knew something was not right at the first deposit. I was told They had to do this verification process and then the loan would be the next deposit. I then told them I did not want to proceed nor did I want to take the loan! They kept depositing into my account after I told them that. I felt nervous and in the text messages to them I let them know to STOP depositing funds and I did not want to keep sending them back to MULTIPLE XXXX accounts. Please see the attached emails and text thread. I was threatened over the phone that I would be out of thousands of $ if I did not send the funds back. I was terrified, all I was thinking was that I have to get this money back to them and be done or I would " reap the consequences ''. It wasn't until 3 or so hours later that I knew the only way to get this to be over was to call my bank, USAA. I called to make a fraud claim immediately, and a dispute as well all on XXXX On Friday XXXX even after submitting supporting documents, I was told that I was responsible for the {$3800.00} that my account was in the negative in. The USAA Fraud department ruled this in their favor and not mine because initiated the XXXX and XXXX XXXX  transactions. I am not scammed out of almost {$4000.00} dollars. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2023-03-24 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: PA

Complaint narrative:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2023-03-24 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: U.S. BANCORP
State: CA

Complaint narrative:
Rewards program gift cards were sent by XXXX but not delivered due to damaged package. Contacted the company noting the information provided by XXXX but was denied because the gift cards had been used.

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 2023-03-24 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I just learned about this debt when I looked at my credit report. I was never notified in writing or by phone by this collection agency. I dont know them and I dont owe them. Under the new CFPB Collection Rule, collection agencies must provide proper notification before reporting. They did not. Please remove this illegal collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I got my car loan with Wells Fargo which I got approved with a very high ( 14 % ) interest. As of XX/XX/XXXX I have finally paid off my loan.

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 2023-03-24 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: V and H Portfolio
State: CA

Complaint narrative:
Reporting information to the credit bureau that is not mine Ive looked up the company they are not contracted in California they have no contact number and the address is a non existing empty land mark

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Chime Financial Inc
State: MO

Complaint narrative:
I received a credit card from Chime around XX/XX/23 that I never applied for. This happened after receiving multiple texts and emails during the 2 weeks prior to receiving the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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 am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/2022 - Entire balance in PNC Bank personal account levied and withdrawn from XXXX issued by state. 

Funds were never returned to me or account but the state of NJ sent me the voided cashiers check and confirmed they released the funds but the bank has not credited them back to my account. 

After multiple calls, branch visits, this issue remains unresolved and I still do not have over {$4000.00} that was due to be returned to me almost a year ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reportsXXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}

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 2023-03-24 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am filing a complaint of stolen identity. A card was opened under my name and social security number. This was fraudulent and there were two charges placed on the card totaling more than {$4000.00}. I just found out today XX/XX/XXXX. The address is an old address of mine and the phone number is incorrect. It was used in a different state than where I live. It says it was opened XX/XX/XXXX and on XX/XX/XXXX a charge of {$3100.00} and a charge of {$1400.00} were made on the card, totaling {$4600.00}. I did not make these charges. I did not open this credit card. I did not authorize these charges. I called XXXX under comenity bank and notified them of the fraudulent credit card opening and use immediately ( today XX/XX/XXXX ). I need to report this stolen identity and fraud so that my account can be closed and the charges can be removed from my name and SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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 am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable 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 non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to TransUnion via mail to inform them that inquiries were on my credit report that I didn't authorize. They sent me a letter stating that inquiries are factual and will remain on my report for 2 years. I disagree and I would like the following unknown inquiries to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable 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 non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank is blocking ALL avenues of communication to resolve freezing $ XXXX & even harassing us my mocking attempts to talk! 

My brother 's inquiry into his old acct had been mis-labelled " fraud '' ( by bank teller ) on my mother 's new checking acct. They froze my mom 's new acct. I submitted POA in order to resolve. Chase will NOT honor POA. 

Now Chase REFUSE to speak to any of us my mother-owner of acct my brother who wants to withdraw inquiry & is trying to eliminate claim of fraud or me -- I've gotten a Power of Attorney in order to speak for my mother, but Chase refuses to honor it Chase instead sends us on ENDLESS loop of call this dept who transfer & disconnect & /or say they can do NOTHING Finally a person from " escalation '' ( XXXX ext XXXX ) phones me & asks ME to verify myself -- since she called me & I'm tired of jumping thru hoops that DO NOTHING I say no. You can verify by calling me back. 

She does not call back I call her back & she refuses TO SPEAK TO ME TIL 3 MORE DAYS. 
That's just a control & HARASSMENT move to let us know they are in 100 % control. There was NO REASON to not speak to me & make me wait 3 more days while my mom has XXXX money for food & to pay bills. Her $ XXXX is frozen with NO AVENUE for resolution. Chase is just keeping her money & MOCKING our endless attempts to resolve this. 

Their whole strategy is to keep my mom 's money & NOT speak to any of us! 

Chase needs to open avenues of resolution not play control games to NOT speak to issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc
State: WI

Complaint narrative:
I called Joseph Mann and Creed XX/XX/XXXX when I saw a derogatory mark on my credit score with an associated collection amount of {$280.00} past due for XXXX XXXX XXXX in a different state with a different email and phone number. The account was opened and charges were made under my name and social security number. This is a fraudulent account and identity theft. I called immediately to make them aware of the situation today ( XX/XX/XXXX ). They said the account was first opened on XX/XX/XXXX. This is the first I am hearing of it because it showed up on my credit score report on my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
In PayPal, you can get a " Balance Account '', which is let 's you store currency directly in PayPal. The terms and conditions can be found at this link : XXXX : XXXX? XXXX In the terms and conditions, the " Closing Your Balance Account '' section clearly states " You can close your Balance Account without closing your personal account ... ''. I have tried multiple times to contact PayPal support to do just that, but no representative can find an option in their system to do this. Since customer support is unable to do this, it my hope that I can get my request fulfilled with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had 3 accounts with MySynchrony. Two of them I paid off entirely and paid at least double the credit for both of them, around {$2000.00} each. 

The third was a Synchrony Credit card, which I made several payments to, but could not keep up with, especially with the interest accrual. 

Synchrony forwarded the debt to a debt collector, which erroneously filed a lawsuit against me in New York, serving the lawsuit to my parents house in XXXX, NY. 

I informed Synchrony and the credit collection agency that I have not lived in New York for several years. Synchrony said when the account was returned to them, they would contact me about settling the debt. This was in XX/XX/XXXX. 

This month, XX/XX/XXXX, I received notices in the mail from debt relief agencies that I have had a lawsuit filed against me by MySynchrony for this debt in Florida. I never received any lawsuit, even though I provided MySynchrony with my current address in my correspondence with them in XX/XX/XXXX. I also followed up via email with XXXX, from the company 's Office of the President who I had spoken with by phone and email and she never replied after I had spoken to the credit collection agency in NY. 

I have made efforts to directly negotiate a settlement with MySynchrony, instead they've ignored me and had a collections agency file a lawsuit that I never received, and have only been informed of because my current address was somehow provided to debt relief companies.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I applied for an apartment at XXXX XXXX in XXXX, GA. The apartment complex conducted a background check and denied my application due to 3 Aggravated Battery charges in XXXX. However, I had never been arrested or charged with any crime other than a simple traffic violation. Myself and my personal friend, who is a cop in Florida, conducted our own research as to the matter. It was revealed that another XXXX XXXX, born in XXXX, was arrested and charged with 3 counts of XXXX XXXX, this was not me.

Company response to consumer: Closed with explanation