vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX AMERICAN PROFIT RECOVE XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' ACIMA CREDIT XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX  ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with XXXX for {$6600.00}. I'd really appreciate it if this was taken care of and removed 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 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently tried to purchase concert tickets from someone selling them online through XXXX. The XXXX hanlde of the seller is @ XXXX. I sent them {$450.00} through XXXX, an online banking transfer company that is directly connected to my bank, Chase. The seller is using the email XXXX through XXXX to accept the scam payment. 

The seller claimed to have transferred the tickets through XXXX to my email associated with my XXXX account but I never received them. The XXXX order confirmation number that the seller gave me is # XXXX. The original email that the seller used to purchase is XXXX ( or XXXX or XXXX ) and the original ticket order number is # XXXX. The last 4 of the Visa credit card used to purchase is XXXX. 

I contacted XXXX, Chase, and XXXX. All companies said there was nothing they can do to help me get my money back. Chase and XXXX stated that they had no way of canceling the payment even though it was still pending when I attempted to cancel. They both told me that there is no fraud or scam protection that they can provide on these types of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2021 I was in XXXX. 
I was in the club with my friend when the bartender said our cash is not enough and we have to pay about XXXXXXXX XXXX XXXX XXXX  ( around {$50.00} ) for drinks. 
I gave her my Chase credit card, then She say the transaction was declined. I said it was not possible and asked her to try again, she told me to sign the rejected transaction. 
( I thought the transaction was not completed because I am abroad USA ) Later She asked if I had another card with me. Then I gave her my XXXX XXXX card and My XXXX card. Then she said that the transaction finally passed. It was late at night, so in the morning I only checked my account balance. 
there were transactions on it XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX I actually authorized a transaction for {$54.00}, but not the others because it will be around XXXXXXXX XXXX  ( {$50.00} ). ] Others transactions of a total of {$2900.00} were never authorized. 
I filed a fraud case with Bank Chase by phone. 
on XX/XX/2021, receive a letter from chase Bank with information, ,I give authorization to the user involved in this transaction ' ( Appendix No. 1 ).

My other two cards have also been charged a total amount of ( {$15000.00} Citi ) ( XXXX XXXX {$9900.00} ) {$25000.00} at the same time, which is impossible to spend and every normal person sees it as a scam. 
Two Banks, XXXX and XXXX XXXX settled my complaint in my favor and I was not charged with this scam. 
I will add that in XXXX the monthly salary is below {$1000.00} So I don't know who was handling this complaint... 
I declare that I will never pay this money and everyone can immediately see that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter to Equifax and XXXX through certified mail. Tracking # XXXX to XXXX. Tracking # XXXX to Equifax. It was received XX/XX/XXXX and XXXX. In the letter I stated I had a filed an FTC Identity Theft report for a fraudulent item on my credit report. A XXXX XXXX Account was fraudulently placed on my report. In the certified mail I included a copy of a completed FTC Identity Theft Report, letter stating the issue, Copy of Social Security number and Copy of Driver 's license to verify my identity. I called to ensure delivery of items. According to sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked and deleted. Equifax and XXXX has failed to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I logged into my TransUnion account. They sent me a passcode. I put in the correct passcode, pasting it in. They said they could not verify my account and locked me out. I spent a good part of this morning trying to get in via customer service, and they were unable to confirm my identity, get me into my web account, or remove my credit freeze. 

They had a girl with an abysmal accent on a bad phone connection ask me multiple-choice questions from my credit report to try to verify my identity before they could help me. I could not understand her, so I could not answer correctly, and I failed to validate my identity. Is this really the only recourse they have to quickly confirm my identity over the phone and get me into my web account or at least temporarily remove the freeze? 

I was greatly inconvenienced, delaying and possibly missing three deals on two credit cards and a new mobile account and phone. 

I went in tonight to create a new account at TransUnion, which, surprisingly, they quickly and easily let me do. Now how is it that they can't verify me to let me into my current account, but their automated system let me create an entirely new account in seconds with less information? So a hacker could have gained full access to my credit history by creating a new account? 

Pardon me but XXXX?! 

I worked in customer service years ago, and this is unacceptable. Now I have to get them to either merge the two accounts or get me into the old one and delete the new one. They even charged me for a new credit report. I did not order a new credit report. I created a new account with them. I already got a free credit report at their suggestion. Why would I pay for one? This is highly unusual and entirely unacceptable. 

What are you going to do about it?

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was enrolled equifax.com in a credit service since XXXX. I kept it paid yearly and renewed in XXXX, I could not use the service after renewal into XXXX and called to resolve this for a month getting answers it would be resolved. They screwed it up when they added myequifax.com and another account was opened. they seemed to have conflicted and they are not resolving it. i could not log in any longer and they could not fix it. recently they poked me yet again telling me they have no email address for me by a post card and I can not get in touch to get this fixed and do not want to spend another month. I can not log in and when retrieving password it says I do not have an account, but when I fill out all my info it says I do and will not send me anything to get it working. I can not get my credit report or the service with them any longer and wasted money in the past. I need their attention that this has not been resolved and I have spent too much time to beg them to get my account in order. The timeline may be off some, but the problem does exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im A victim If fraud identity theft never applied for chase freedom Account which was opened And showing on my credit as closed and opened by me when I never applied tried calling Them they deny my claim claiming I said its mine my identity was compromised And this must be removed from my credit and internally in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My complaint is about Experian credit bureau. 

I disputed an account error on my Experian credit report. The accuracy of my ( XXXX ) account status was incorrect and I have corresponding paperwork from XXXX and my insurance company to reflect the account as paid. 

The XXXX account has been removed from my XXXX and XXXX credit reports. However, Experian has made no changes. If the account was properly investigated then this would not be the 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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to TransUnion to validate and delete XXXX XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to Transunion LLC requesting to update my personal information on the report, also requesting to delete any inaccurate old addresses, as they are not deliverable to me by the U.S postal office, and they are reportable as per the FCRA since they are inaccurate. I sent the letter with a current bill ( bank statement ), ssc and my ID. 

They got back to me saying proof of address unacceptable. I don't understand why are they trying to delay the process. i sent everything that it was required.

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This card was stolen XXXX  chase banking XXXX. Recalled new debit card to stop XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
i recently sent a letter to the Portfolio Recovery associates llc and in That letter i asked for copies the original relationship documents from origional creditor that show my wet signature of consent to sell the alleged debt to a third party, and if a document does exist than i would like a copy also and i still havent received any copies for three months which is a violation of the FDCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to TransUnion, XXXX and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for XXXX. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.

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 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Please refer to my previous complaints about Mr. Cooper mortgage like XXXX For more than 1.5 years - my online amortization schedule is not enabled. 
I haven't got the answers to my questions for so many months. 
I asked another question : I want to know the mortgage interest paid by me in XXXX  and XXXX  as the loan got transferred from XXXX to Mr. Cooper. 
But for this basic question also, Mr. Cooper want to have an excuse or delay the response.

Company response to consumer: Closed with explanation