vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Timeline : XXXX Received a missed call today XX/XX/XXXX at XXXX from XXXX XXXXXXXX stating that Chase bank is calling from fraud prevention regarding my Amazon Prime Credit Card application, that I just applied for yesterday XXXX  XX/XX/XXXX. 
XXXX I called back using the reference number they game, as I am in anticipation to receive benefits from this card. 
XXXX  I provided them some personal information such as SSN and cell phone but hung up when other personal information as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: I.C. System, Inc.
State: FL

Complaint narrative:
IC System Inc., has not reported to the credit bureau truthfully regarding my account being closed and paid in full now. I have submitted a payment for my past due bill approximately XX/XX/2021 and have returned the cable equipment to the original creditor ( XXXX  ). I also have submitted the receipt for the returned equipment to the email provided by IC System Inc., The account still shows like the balance for the equipment is still owed.

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 2022-03-01 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: NY

Complaint narrative:
I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and egregious collection accounts from XXXX XXXX and XXXX XXXX XXXXXXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.

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 2022-03-01 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: NY

Complaint narrative:
I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX XXXX XXXXY and egregious collection accounts from XXXX XXXX and XXXX & XXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX is the original creditor. Pro collect Inc is the collection agency that bought the debt from XXXX XXXX. I apologize I had to submit a different complaint. I have been seeking information for both parties including the most important delinquency date, the date the the account became delinquent. I spoke with XXXX XXXX the can not provide written information about it, but was told the the delinquency date was XX/XX/2014. For Pro Collect Inc. up to now I have not had luck for them to send me this information. I have disputed this account to the XXXX Credit bureaus. XXXX, XXXX, and XXXX and get in response that the information Pro Collect inc is accurate. XXXX XXXX is deleted from my credit Report due to the fact that is has been more than XXXX years and by law it has to be deleted from the credit report. Now the issue is Pro Collect Inc. As I know the Delinquent date will not change no matter when they purchase this debt. What I am trying to obtain is written information from both parties stating these date and balances, so I can have proof to the Credit Bureau that this account ( Pro Collect Inc ) has to be removed by law from my credit report if the delinquency date is XX/XX/2014 as XXXX XXXX stated. Please help in this matter, since I am not getting any response from them. 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 2022-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AXOS FINANCIAL, INC.
State: NH

Complaint narrative:
I have been trying to receive a gap insurance refund through axos bank and XXXX for XXXX months. Both companies keep giving me the run around and say it's the other company 's issue and that i have to talk to them. And now they won't even talk to me anymore ignoring emails and phone calls. I've wasted way to much of my personal time trying to resolve this issue to no avail. It's only a XXXX dollar check but I'm a struggling father of XXXX young kids with just XXXX Income. I'm beyond fed up and I feel like there is XXXX on my side. It's so simple just send me the money owed and done I'll be out of their hair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I submitted a claim for unauthorized transactions on my account. On XX/XX/2022, PNC reversed the provisional credit without giving me notification and now my account is overdrawn. Those charges are fraud and I want the credits places on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX am unsatisfied at the negligence and the response of American Express when dealing with this issue and previous CFPB complaint. I ask the CFPB and AMEX to read through the attached documentation to understand where I am coming from and I ask the CFPB to help stop injustices like this and I am looking to pursue legal action if this complaint doesn't settle this bizarre incident in which my rights as a consumer are protected under the CFPB yet they are being neglected and played with by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management Inc.has garnished my wages. ( XXXX ) I know nothing of this debt for XXXX XXXX XXXX XX/XX/2022 they have taken out this amount {$260.00}. This is not mine. Never heard of this debt .Could you please help me clear this matter up. and return my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: PA

Complaint narrative:
To whom it may concern, I have filed an incident investigation report with the state police on XXXXIhe incedent took place on XXXX XXXX for unemployment compensation and also another incident on XX/XX/2022 for them opening a checking account using my identity.I have taken the legal steps to close these accounts and changing the important information.Unemployment filed a fraud case on XXXXTrying to move forward with all that.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried many times to disputes this bankruptcy and accounts that are on my credit, I filed a complaint in XXXX because I hadn't received any responses from Experian that they claimed they had sent. They also claim to have verified the XXXX through another company which can not be accurate because my 3rd parties, such as XXXX are all frozen.

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 2022-03-01 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:
After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.

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 2022-03-01 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:
After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion continues to list ( refuses to delete ) from my open accounts a mortgage ( previously held by XXXX, now XXXX XXXX ), for {$290000.00}, on a property at located at : XXXX XXXX XXXX, XXXX TX XXXX, that was *closed as satisfied* in XX/XX/2017. 

Both XXXX and XXXX correctly have deleted this account from my credit report, but, despite having been asked multiple times, and having been provided with supporting documentation, Transunion continues to defame/cloud my credit history!! 

This erroneous entry causes me time and effort, ( and possibly a denial of certain loan opportunities, if I choose to explore that species of damages ), and there simply is no reason for it. In fact, when I recently re-financed my current mortgage ( on an ew property ), notwithstanding Transunion is the only agency which still lists that account, I was compelled to get on the phone while the lender 's investigator contacted XXXX XXXX, who confirmed on the phone that the mortgage was aid off, and that this status was reported out to every credit agency!!

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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/XXXX and been given the run around since. Please help by reaching out as XXXX terrified to lose our home. 

XXXX still waiting for Wells Fargo to call or mail a verification of employment to employer. It was initially generated on XX/XX/XXXX. However, employer has yet to receive a phone call or a verifican of employment form via mail. I have submitted all the correct documents requested by Wells Fargo and was told that the employer had a non serviceable number? When the employer had already supplied a written verification of employment with all correct information on header. I spoke to Wells Fargo about this issue on XX/XX/XXXX and told them I would be following up with this concern to cfpb and they suddenly were able to correct the employers number from information on the verification of employment. What other number they had on file I have no idea where it came from. Had they looked at the verification of employment letter all the correct Information was provided. They then notified me that everything has been completed and verified. However, my application for the COVID recovery program has been in limbo for 3 months and still no answer yet. They had originally reported back to cfpb they would had a final decision in 60 days and Im still waiting past 3 months now with no decision.

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 2022-03-01 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 have notified Experian that the receivable recovery account on my credit report is a result of identity theft. I sent a 605 identity theft letter as well as a ftc identity theft report. According to the federal law Experian has 4 days to block the identity theft account from my credit report but they have failed to do so. It has been well over 4 days and Experian is refusing to comply with the law. I also have a tracking number to prove that the notice was delivered to Experian. 

Tracking number for experian : XXXX Tracking number for Receivable recovery : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/2022, I sent a certified letter to Bull City Financial Solutions. The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/2022. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: VA

Complaint narrative:
Equifax trying to say they can not remove an inquiry from XXXX XXXX XXXX unless I file an FTC XXXX Then when I do and provided the reference no it was not enough. They wanted the actual report. I did that. I sent monthly letters including my drivers licence, lease, and utility bill each time certified, and proof of mailing XXXX, XXXX, XXXX, XXXX, XXXX. They I file complaints with CFPB and they need additional time to identify me claiming they have no record and request additional information for the 6th time. 
Then I receive a postcard they can't identify me. I call Equifax twice they question me with security questions, require a process each time a security link of my pictures is back, front, and live photo of me. Then out me through and claim they have to have it by mail. 

This is crazy ugly over 1 inquiry that I have a letter from XXXX XXXX  that it is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have no knowledge of this account. TransUnion did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when

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 2022-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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