vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
We had cancelled a credit card # because of Frauldent activities last year. The Credit Card company ( Chase, confirmed that the account has been cancelled and that any charges to the Credit Card Account # will not go through ) Chase continued to allow Fraudulent charges on the old Account # to go through despite that account being cancelled. They now said we are liable for all Fraudulent transactions to the account even if the account is cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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 received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted Transunion, XXXX, and XXXX to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXX- Informative XX/XX/XXXX XXXX XXXX XX/XX/XXXX Informative XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX 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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received 2 notices on/around XX/XX/XXXX that were dated XX/XX/XXXX from Midland Credit Management stating I owed 2 debts to them. I contacted MCM via chat today - XX/XX/XXXX - to request validation and verification of the debt and I was told they can not send that information to me and that I should look online at the statements, which only shows an amount and the name of the creditor. Both balances are from XXXX XXXX XXXX, XXXX for {$1800.00} and the other for {$1200.00} and that both were charged off XX/XX/XXXX. There is no other details as for what these are balances are for. I requested from the chat representative, XXXX XXXX, what these charges were for from the original creditor and she stated the letters I received welcoming me to MCM with the balance amount was validation. I told her that I do not believe these are my debts owed and its my right to get this information before they try to legally collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Contacted XXXX XXXX XXXX on XX/XX/2021 advising of a debit that was placed on my credit file that did not belong to me. I asked both credit bureaus to verify the information because I have no knowledge of XXXX XXXX XXXX XXXX. I have also disputed this information a couple times and the information could not be verified by none of the credit bureaus. 

On XX/XX/2021 I received a letter from XXXX stating that the debit could not verified and it has been removed from my credit profile. XXXX has sent me the attachment stating that the information was verified and it would not be removed from my credit report. I spoke with XXXX on XX/XX/2021 which he stated that debit recovery solution was contacted and said it was my debit. I then asked XXXX did he receive anything with my name on it that I have signed for there service and he advised no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: IA

Complaint narrative:
The credit card account was agreed by myself and US Bank to be placed into a hardship status repayment plan. The agreement to participate in the Hardship Program requires that my bank account have the monthly payment automatically taken directly from my checking account which has been transpiring since XX/XX/2019. During the initial onset of COVID-19 I did request a one time payment forbearance. 
My compliant is that US Bank, did not inform me a payment made after the XXXX would be reported to the Credit bureaus as payment made late. I asked that the payment be taken from my checking account on the XXXX of each month however my bank statements all reflect US Bank went to my account later than the XXXX of each month and reported to the credit bureau payment made, but anywhere to 3 to 5 days late. 
I've called and discussed my concern about how my payment was being reported late to the credit bureaus with regards US Bank hardship program. I did in fact change the automatic debit payment to the 15 of each month and my bank statement reflects US Bank didn't go to my account until the XXXX of this month. US Bank has not provided written documentation that US Bank is now going to my checking account on XXXX of each month. I also asked US Bank for written documentation of the current account status in terms of what the current balance is and that payments history and US Bank has not provided the requested information. The request for account status written documentation is needed for verification of security clearance for a government XXXX job position I'm currently moving forward to obtain.

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 2021-10-20 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: TX

Complaint narrative:
I live in XXXX Tx, there were several charges that cleaned out both my checking claim # XXXX and claim # XXXX and savings account Claim # XXXX these transactions were made in New York at ATM terminals on XX/XX/21, the bank at first refunded the charges and now they reversed the funds and denied the claim leaving us with a debt, they claim that we need to prove that I was in XXXX at the time, while the complaint was made at the XXXX bank and the credit card was turned in at the bank my identity was also locally verified at the bank on the same day XX/XX/21 all of which is documented at the bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Also my boss printed out my payroll report showing that I had been working in the restaurant located at XXXX Texas not only on XX/XX/21 but also on XX/XX/21, XX/XX/21 were I have witnesses that would sing sworn statements that I was present and working on said dates but the bank refused it as proof of location.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
The debt was included in an identity theft case years ago they continue to sell the debt even though it has been successfully disputed and they are threatening to put it on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, I received a letter stating my FHA mortgage was sold by Bank of America to a collection agency named XXXX XXXX XXXX XXXX XXXX : effective XX/XX/2021. I did not receive proper notification from either company of the transfer and procedure within the 15 days of sale.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed the Bankruptcies listed on my credit report, and have provided a Police Report verifying the information is the result of Identity Theft. XXXX XXXX has deleted the bankruptcies from my records. Despite this, Experian continues in its refusal to remove these items. A copy of the letter from XXXX XXXX is attached. Experian has a copy of my ID and the Police Report on file as well.

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 2021-10-20 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: KY

Complaint narrative:
Yes its against PayPal they will not give me my money XXXX. They put a limitation on my account XX/XX/XXXX and said they was closing my account and was going to hold my money for 180 days well 6 months later XX/XX/XXXX I call to get my money out and they said they was going to hold it for another 180 or unless I get a court order cepena well I wait the 180 days and in XX/XX/XXXX of this year I contacted them and now there saying they are holding it for another 180 days. This is not right there privacy policy says after 180 days they will send a email telling you how to withdraw the money, it doesnt say they will keep it for 3 straight 180days, I want something done cause that money came from the Georgia Department of Labor COVID pua relief money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I got a letter from XXXX XXXX stating they were reducing my credit limit to {$100.00} based on a report from Equifax that my credit score is XXXX. My credit score on Equifax is XXXX. 
I contacted XXXX XXXX credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted Equifax. Equifax is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from XXXX XXXX which I have faxed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone named XXXX XXXX email address XXXX sent my paypal email a paypal payment of XXXX dollars because i did not know this person i did not keep the money, Paypal is stating that this person after sending me the money reported that they sent the money to the wrong person and paypal is trying to say i now owe {$860.00} for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Using my Social Security Card, i opened a credit account with Synchrony bank creating a opened end consumer credit plan. The account showed an excess of {$1.00} resulting in a phone call with Consumer relations Corporate Specialist XXXX XXXX XXXX, extension XXXX. When i spoke of 12 CFR 1026.11 - Treatment of credit balances ; account termination she said she understood exactly what i was saying. She lied to me, she didn't understand the law and she didn't fix any billing issues. She said she cant compensate me when i never asked for compensation. I asked that any amounts owed or held for my behalf be credited to my account, any unearned insurance premiums or rebated be credited to the account. The law states upon my requested this is to be done. Why is the law being looked over synchrony bank? The company admitted to not sending me the correct billing statement, but they have not made an effort to cure the credit balance that is in excess of {$1.00}.

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 explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I Apply For A XXXX Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the XXXX XXXX XXXX Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from XXXX XXXX credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my Equifax Credit Report XXXX XXXX CREDIT REFERENCE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of XXXX. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with XXXX. Elevations changed my bank account numbers and requested the {$1000.00} back from XXXX as a case of Fraudulent transaction. XXXX returned the {$1000.00} and " Locked '' the XXXX account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency XXXX Credit Corp Solutions Inc located in XXXX, UT ) stating I owe {$1000.00} from a XXXX account they now owned. I contacted XXXX and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the XXXX account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which XXXX has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from Credit Corp Solutions exactly a year later stating they now own the account and require payment. XXXX is unable to do anything because the account was sold. XXXX is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters appeared on my credit report earlier this year. There is no account information nor have I ever received notice of this " debt ''. This " debt '' has never been verified. I submitted two disputes through XXXX on XX/XX/2021 and XX/XX/2021 and was told the information was verified but I was NEVER sent any verification letter. Not one letter has been received at my primary residence from this company. Which in fact still violates my FCRA rights. I have also mailed out a letter on XX/XX/2021 and they have yet mail me any type of response/verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a large amount of funds in my account and I reported it to the bank. Also my debit card was being used as well as fraud from someone so the bank froze my account and I am not able to open up another account or get my funds out. Please help me

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 2021-10-20 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: TX

Complaint narrative:
Transunion and XXXX are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

Transunion Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX  Date : XX/XX/2021 Account Name : XXXX XXXX XXXX Date : XX/XX/2021 XXXX Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer 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 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XXXX Capital ONE Auto Finance. Date : XXXX XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For my Equifax report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.

Company response to consumer: Closed with explanation