vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
https : //oportun.com/ I notify this collector to stop calling me on Sundays is not a good day for me and stop calling me every hour I believe they have to have to wait some time for them to call me again at the same time. When I ask for an employee ID so I can keep a record of the person who is calling me they refuse to provide it or let me talk to a supervisor. 
I did ask them more than 5 times to stop calling me on Sundays and sometimes they call me after 5 minutes of the first call. I advise them to please stop calling me Sunday 's which is not a good day for me they refuse the is the main complaint. thank you. 

Sunday XX/XX/2020 they call XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: NY

Complaint narrative:
I have 5 hard inquires on my Transunion credit report from unknown sources. The information is inaccurate and the inquires have been made on my credit without my consent. I have informed the same information to TransUnion customer service but they have not taken care of it. The inquires are as follows : Creditor Date 1. XXXX  XXXX XXXX  XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
on XX/XX/20 There were fraudulent charges on my visa credit card. 
I contacted fenfed customer service and they said they would start and investigation into the fraud, and that it would take approximately 10 days for the charges to come off my credit card. 
After numerous calls with out any contact from Penfed. I was the only one contacting them, as of XX/XX/20. they sent me a response, saying that there were no fraudulent charges on my account the the case was closed. 

this is {$1600.00} in fraudulent charges that I am not responsible for. 
I have no other recourse at this point. 
am looking for help in this matter

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 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I did not authorize this charge u dont know why or how my card got charged in the first place.

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 2020-12-13 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: FL

Complaint narrative:
Experian Report Number # XXXX I am a victim of identity theft my information was compromised in the data breach I have filed a report with the XXXX and submitted it to Experian pertaining to certain accounts that are ID theft. 
Here are the accounts 1 ) XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX 5 ) 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 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clarkson Law Firm, LLC
State: SC

Complaint narrative:
Clarkson XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX and XXXX. I would like to know who gave Clarkson and XXXX XXXX my personal information. I did not agree to any contracts with Clarkson and XXXX XXXX to pay this company anything. I did not authorize Clarkson and XXXX XXXX, XXXX XXXX XXXX, or XXXX  to use my personal information. 
Recently I priority mailed Clarkson and XXXX XXXX, XXXX XXXX XXXX, and l XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass 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 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: MI

Complaint narrative:
On XXXX XXXX my cash app card was negative XXXX, when before I had XXXX $ in my account. I reached out to cash app support but they did little to nothing. They told me to wait up to 45 days to let them investigate the situation. I understand that its a lot to do but I really dont have a lot of money to just wait. When the person who took my money quickly took the money out of my account. The city of XXXX is really going through a Great Depression on when its little to no work. Everyones out of work until they make the new vaccine mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. 

This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.

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 2020-12-13 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: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I have an inquiry from Zions XXXX XXXX dated XX/XX/1974 that I do not recognize nor recall initiating. 

It is appearing on my XXXX  credit 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 2020-12-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 4 Hard inquires on my Equifax credit report from unknown sources and they have not been authorized from my side. I have reached to Equifax as well about this issue but they have not resolved the issue. 

The four inquiries in question are as follows : Inquiry details XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A few months ago, I received a mailer with a personal code to open a checking acct. The offer was get {$300.00} with a total of $ XXXX in Direct Deposits over the following 90 days. 

I followed the steps, opening the account with the personal code. A few weeks after account opening, I believe I made met the qualifying terms. On XX/XX/XXXX, I called BofA customer service to confirm this. A rep named XXXX did state that I had met the terms so I thought nothing of it. 

A few weeks later, I receive a letter from BofA essentially reminding me to make direct deposits so that I can earn my sign up bonus. I was confused so I called back on XX/XX/XXXX to double check. The representative that picked up was XXXX and she stated that I did not meet the requirements. I believe she wrote an escalation form. I also was forwarded to XXXX who explained that I will just have to check in a few weeks on the decision from the escalation form as BofA is not allowed to call me to provide updates. 

On XX/XX/XXXX, I called to as for updates. A representative named XXXX answered. She could not locate the escalation form and couldn't provide any updates. However, she confirmed that there was nothing to do.

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 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/2020, i made a payment of XXXX to Nationstar bank, Dba Mr. cooper to cover 2 months of mortgage payments including XXXX and XXXX payments, when the bank called me i told them i will process those payments and said its ok, my due date is on the XX/XX/XXXX of each month so the payment on XX/XX/XXXX was still before 30 days after due date, however Nationstar bank reported me 30 day late on XX/XX/2020 to the credit bureaus, i am attaching proof of my bank statement where you can see the payments i made, please check it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.

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 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.

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 2020-12-13 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:
I sent in several FTC reports and nothing still have not been removed from my credit 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 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I have informed Dynamic Recovery to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have informed XXXX XXXX to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, Unfortunately, I was scammed out of {$500.00}. I tried to purchase a teacup french bulldog from XXXX. I submitted a form on the website to see if the puppy was still available and to contact me by email or phone if still available. I was contacted by email and text back letting me know the puppy was available and instructions. I was asked to XXXX the deposit to {$870.00} to XXXX for XXXX XXXX and to note XXXX the dogs name. Everything was going fine I even received confirmation on shipping Booking reference Number : XXXX Website Track Link : XXXX : XXXX Then I received another email saying now {$1200.00} because needs a different crate due to Covid and asked from money from XXXX XXXX XXXX This is when I became suspicious and inquired through the breeder why I was being asked for this and through XXXX XXXX to top it off. The number I was texting with was XXXX. The person started to make it seem like I shouldn't be questioning them and said they were going to cancel the order and refund. When I called the number it was disconnected.

I contacted my bank to report but Wells Fargo said unfortunately the XXXX transfer for {$500.00} was completed and the only thing they could do is report as fraud so I did that. I also reported this through the federal trade commission, Report number : XXXX. 

The website is still up 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 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2020, I visited the TransUnion website to obtain a free credit report. I didn't need this report, I was just curious what my score would be. I clicked the most prominent button offering what I wanted, and filled out my personal information. There was no mention that I noticed of any charges I would accrue, but after finishing the signup process, I got an email of a receipt stating that my credit card had been charged {$24.00}. I did not want this service, I only wanted a free credit check, but instead I was duped into buying something I didn't need or want.

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 2020-12-13 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-13 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: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
I disputed an account with Ally Financial that was reversed in my favor but I have had no increase from this being taken off my credit score. This account is showing on my credit history as a XXXX XXXX  account and is killing my credit. I would like this to be removed completely off my score and score increased from the negative reporting it has caused on my credit. Thank you

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 2020-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
XXXX is reporting a debt that was paid. 
CREDITOR INFO AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNT TYPE Collection Account DATE OPENED XX/XX/2018 BALANCE {$0.00} ORIGINAL CREDITOR 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 2020-12-13 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 — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank discovered fraudulent charges, to stop the charges we were told to cancel the card were made on. Comenity Bank then allowed the charges to be made on a different card on the account.! 0 months later they will not tell us why they allowed the fraudulent charges. 

On XX/XX/2020 we were contacted by Comenity Banks Fraud department concerning possible fraud on our BJ 's Mastercard Account. There were four charges for just under {$100.00} from businesses we didn't know. We asked them to cancel those charges and we were told the only way to do so, was to cancel the card issued to XXXX XXXX. Which we did. We later found out that those charges were transferred to XXXX XXXX 's card and an additional four charges from the same businesses were charged to XXXX XXXX XXXX card. We then had to cancel XXXX XXXX XXXX card to stop the charges. If Comenity Bank had told us to cancel both cards we would have. Now we are out {$800.00}. Comenity Bank is telling us that XXXX XXXX operated under their terms of agreement, so we are liable for everything. I have attached all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
This account was in collections since XXXX, and then XX/XX/XXXX this account showed up on my report as active. Then every month it says I've missed a payment. The company has never contacted me telling me a payment amount due, they've never said anything about when the payments are due each month, if they are going to reopen the case then they should have at least contacted me about making payments or anything.

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