vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Saturday XX/XX/XXXX I made a purchase at the XXXX in XXXX, SC. On Monday XX/XX/XXXX I checked our credit card statement online and discovered there were multiple unauthorized charges from XXXX online. We believe that someone either skimmed our information or someone at XXXX XXXX took the information from our purchase. We contacted our credit card provider and informed them of the fraud. They took all the information and suggested we file police reports. We filed police reports in XXXX, SC which is where we live. We also filed reports in XXXX, SC and XXXX XXXX, SC whoever Id where the merchandise was picked up at The XXXX in those XXXX towns. At first Bank of America removed the charges from our statement however after about 6 weeks they put them back on our statement. They also sent a letter stating our claim of fraud had been denied and we were responsible for the amounts. There are open police investigations in XXXX and XXXX XXXX. The email address used in the fraud with XXXX is not my address. I do not order merchandise online and pick at 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 monetary relief
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX NO XXXX Balance {$250.00} XXXX CO XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
XXXX XXXX XXXX  showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. Transfusion claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the 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 2021-12-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been 90 days today I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

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 2021-12-08 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: TX

Complaint narrative:
XXXX XXXX had XXXX services with an account number XXXX when they updated their system it generated into my name and gave a new account number XXXX. I was placed into a XXXX facility in XX/XX/XXXX and have not been in the house since that day. My spouse expired in XX/XX/XXXX. They have sent this to a collection agency which is showing on my credit report as a collection. I have sent in all required documents as requested weeks ago called today for an update and they are still demanding payment. These bills are for XXXX, XXXX, XXXX and for my XXXX XXXX. They refuse to remove collection or to correct this account as it is not mine but being reported on my credit report. I filed a complaint on here with ID # XXXX it was not approved to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been 90 days today I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi I was open Chase bank account and transfer direct deposit my paychecks from XXXX XXXX  XXXX to Chase bank after XXXX deposits of my paycheck Chase bank suddenly closed my account Im not was informed about that Im try to open my app Chase bank but my account was closed and I dont have access to my money please help me Chase Bank holding my money XXXX $ please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Dear Sir or Madam : I have been the victim of identity fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Acct ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit ad prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies. 
I addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account Any judgments been obtained by any creditor regarding this account Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MS

Complaint narrative:
I filled a complaint with CFPD XXXX months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The person used another person 's pictures and made up a fake name and talked me into investment trading of cryptocurrency and then took my money from my account illegally. He told me his name is XXXX XXXX XXXX or XXXX XXXX XXXX, his phone number is ( XXXX ) XXXX, he lives in XXXX, and owns a house and drives a XXXX car. From talking with him, I think that he is a person from XXXX, and he works with this XXXX XXXX XXXX application, and uses his fake identity to trick people to invest in cryptocurrency with him and then stole their money. He asked me to transfer money of {$85000.00} dollars to my coinbase account, and then transfer to a XXXX online website application called XXXX XXXX. He helped me with trading investment, but after the transaction is done, I could not withdraw money from my account and my account got disabled. And then he asked me for another 35,000 and also threatened to kill me many times. Met this unknown person on the XXXX application. Said his name is XXXX XXXX XXXX and XXXX XXXX XXXX and that his birthday is XX/XX/1986. Also stated that he lives in XXXX XXXX XXXX and drives a XXXX XXXX. Talked me into investment of cryptocurrency, and transferred investment money of the amount {$86000.00} from my Coinbase to a XXXX online website called XXXX XXXX. After helped me with trading, my account was disabled and I could not withdraw my money back to my Coinbase. Please help me with this fraud scam, because it is a large amount of money loss and also he can continue on doing fraud and scam to other people with more money. of my supposed account on XXXX XXXX, for which I think the numbers were set up. Because I thought my investment money was transferred to my account on this application, but I think when I asked the transfer address from this customer service, they must have given me the fraud scammer 's wallet information, so that my investment money was actually transferred to his account. as I thought I have investment money in my account on this XXXX XXXX and was withdrawing the money back to my Coinbase, my account got logged out and I could not sign in nor withdraw my money. This unknown person is from XXXX and his name may be XXXX and that his birthday may be XX/XX/86. He used a phone number XXXX and said that he lives in XXXX and drives a XXXX car. This unknown person can be in the XXXX and not in XXXX, because XXXX does not legalize for cryptocurrency investment and he has the XXXX account to get the transfer address and took my investment money illegally. The most important thing is the large amount of money {$86000.00} that I have lost, I wish that you could help return back to my bank account. This unknown person used fake identity name and pictures and talked me into investment trading, tricked me to transfer the investment money to his account, asked for more and threatened me if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NC

Complaint narrative:
XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus

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 2021-12-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus

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 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I have submitted several online disputes and have wrote several letters requesting information on the following account " CAINE & WEINER '' for XXXXXXXX XXXX '' that is reported on my XXXX and XXXX report. I have sent several debt verification letters asking them to prove this is my debt. This debt isn't mine! This is fraud! It will not let me open any more disputes online via the XXXX and XXXX website and that is against the law. Its been 30 days since I have sent them the debt verification letter and I'm requesting them to REMOVE CAINE AND WEINER from my XXXX and XXXX report ASAP per the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXXXXXX XXXX XXXX XXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: LA

Complaint narrative:
Experian and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information 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 non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Catch Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I attempted to log into my account and re-link a bank with the company Catch Financial. I reached out to them to reconnect my bank and afterward it worked. 

Soon I attempted a withdrawal request and the bank is denying me the ability to withdraw funds from my account. I have reached out to them on XX/XX/XXXX and XXXX about this issue but they keep saying they are waiting to hear back from their partners, most likely the bank they contract with XXXX. 

They are not in any rush or seem concerned about me obtaining my funds.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express denied my credit application for their XXXX XXXX XXXX credit card. They mailed me a letter dated XX/XX/2021 stating they can not approve my application at this time due XXXX  my XXXX score. According XXXX  the EQUAL OPPORTUNITY CREDIT ACT 12 C.F.R 1002.2 ( c ) REGULATION B ADVERSE ACTION- American Express committed adverse action upon me by refusing XXXX  grant me credit. American Express has severly discriminated against me according XXXX 12 CFR 1002.4 ( a ), XXXX  has inflicted discouragement upon me according XXXX  12 CFR 1002.4 ( b ). American Express has mailed me numerous credit advertising letters with offer codes, XXXX  still denied my application. These are also federal violations according XXXX  the FCRA. According XXXX  15 USC 1602 ( p ) American Express has committed unauthorized use of my credit card, XXXX I did not receive any benefit. 

REFERNCE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I closed on a {$300000.00} mortgage at 3.25 % for 15 years on XX/XX/2021. I selected a bi-monthly ACH payment schedule XXXX  everything went fine until I received a " Friendly Reminder '' on XX/XX/2021 stating that I was past due in the amount of {$4200.00} XXXX  threatening XXXX  report me to the credit bureaus. I am not past due XXXX  I have no idea where that figure came from. I sent an inquiry XXXX  Caliber on XX/XX/XXXX XXXX  was promised a reply in 2 business days. I have gotten no response from them, despite sending an additional 3 messages XXXX  them. I can not cancel the ACH through Caliber 's website, so I am trying XXXX  cancel it through my bank, XXXX. I filed a complaint with the XXXX XXXX XXXX but have not yet received a response from them.

Company response to consumer: Closed with explanation