vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I spend hours talking to many Experian reps to remove a fraud alert. Their upload site was not working ( experian.com/upload ) - the last rep figured out the site was not working and we kept trying and after hours, it FINALLY uploaded my front/back to my state driver 's license and passport to provide the proper authentication. I also stated to REMOVE ( in all caps ) the fraud alerts. 
It gave me a success message and sent an email showing my dispute was received and processed. I am happy to forward this. 
I wake up on XX/XX/XXXX to the Experian site saying " A Fraud Alert has been ADDED to your Experian Report ''. Are you kidding me? Either their site is inept and misleading, or their employee who handled this can not read and is horrible and either way it is unacceptable. This is costing me money and I can not believe they would treat consumers like this. I RE-LOADED my documents AGAIN this morning and filed another REMOVAL note. All I have referenced in this complaint is attached as screen shots.

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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Security Credit Services added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. Security credit service added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was notified by Serve due to activity on y account alerted by a fraudster call to initiate the locking me out of my account in an attempt to take over my debit card. After loosing first the access to the emai on file ti the account and after I called Serve to update the account I discovered the card was deactivated and in processing to be reissued, although much of my personal information was listed as old contact in which is similar to the the sctions of the persons responsible for my recent attack, theft of property, and continuous theft and fradulent use of my banking information, phone data, and consumer profiles as well as email accounts and personal stalking. Two of the three suspects were paced in custody and one is at large which is likely the driving force behind these recent transactions.Tonight I noticed the two now released individuals on several occassions at and around my complex which has been the case since one was released and other has remained at larged ; with ongoing attempts at interference with my accounts through what I was abile to notice as phishing through inbound emails, calls, bluetooth activation, and the pursuit of unknown methods through common apps I was advised to get a new device although when doing so Access to important emails and other account remained inaccessible such as my main email and bank account which I was only able to accessat about XXXX AM XX/XX/XXXX. XX/XX/XXXX XXXX with 1 pending transactions I am noticing 15 unauthorized amounts that are transactions totalling nearly {$720.00}. i have made nearly 23 reports for this activity and charges has been filed, but This is a case of stalking and the theft is a mere agitation being pursued to impose more mental anguish. My banking institute fail to acknowedge me as such, a victim of unforeseen circumstances and the loss of monthly benefits has become the causation of hardship in need of mediation to resolve, replace, and contemporary aid me in the recouping of funds as I just today have converted my banking to a more secure and mainstream institution, but I am demading the funds be provided with any unneccessary delay due to no fault oc my own and the acount remain accessible during with time for the immediate and full withdrawal of these funds. Report was made on XX/XX/XXXX to one other federal regulatory agency in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
XXXX XXXX XXXX added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. XXXX XXXX XXXX added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had bank of America around 2017. There was fraud activity that occurred and the suddenly closed my account. I contacted them they said I owed them a XXXX XXXX dollars. I disputed it on my credit report it went from a XXXX  XXXX down to XXXX. But they still said it was fraud. I called XXXX XXXX and they sent what they had to me. I then contacted them because I went to my local police station to file paperwork on fraud and is willing to prosecute I needed more details from bank of America. The fraud department told me I wasn't in their fraud system. Then the division that closed account couldn't give me time of incident where it took place nothing for me to file this police report. They was supposed to send me what they have and I have yet to receive it in the mail. Then I was advised from XXXX  since I can't file a police report to file a consumer complaint against them

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 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Back in XX/XX/XXXX, someone tried to open a XXXX XXXX account under my maiden name : XXXX XXXX XXXX XXXX caught within 24 hours and voided the request. 

Today, XX/XX/XXXX, another person attempted to open a bank account with TDBank. The account request was only a few hours old and was likely opened under my maiden name based on the email that was used. 

They caught within 24 hours and closed the request.

I have since used the credit agency apps to lock my credit score manually to avoid further accounts from being opened without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
On XX/XX/2022, I had received a robo call from Genesis FS card. I had ignored the call by not answering it or acting on it because I did not open an account with Genesis FS card. I received an alert from XXXX XXXX about an account that was a new card opened. I discovered that Genesis FS card had an open account with a credit limit of XXXX. There was XXXX balance on the account. It was treated as a new account that opened on XX/XX/XXXX. 2022. I did open a new account through XXXX XXXX services with XXXX with a credit limit of XXXX. I never authorized any account with Genesis FS card. I had called their consumer account number XXXX to close the account on XX/XX/2022. It required me to validate my account with my last 4 digits of my social security card. There was no option to close an account via the menu and required me to contact them during business hours XXXX XXXX time. I have disputed this account with XXXX today. When I filed my dispute with XXXX, the number that I called for Genesis FS card did not require me to enter my last 4 digits of social security number. My concern is now that my action to make sure that the account is closed and purchases can not be charged to it may appear as if I had authorized the account electronically when I have never authorize opening this account. I believe this is a potential issue with XXXX XXXX allow session cookies being reused to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i was a victim of wire fraud last XXXX. I recently arrived in the country and I tried to rent a property. The renter founded on the realtor webpage required a deposit and rental. I sent him the money by XXXX last Wednesday and XXXX XXXX XXXX It turns out the house was not his and other people have rented the house. The money was sent with your service- XXXX- so I kindly tried calling Bank of America several times today with no response and i also went physically to an agency to look for help- nobody helped me. I have filed a police report locally and with the FBI. Please help me! 

XXXX XXXX XXXX de 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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2022-07-16 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: AP

Complaint narrative:
I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX 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 2022-07-16 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: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2022-07-16 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: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: AP

Complaint narrative:
I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: AP

Complaint narrative:
I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-16 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: MA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 2022-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: GA

Complaint narrative:
I have communicated with UNITED REVENUE CORP and XXXX about the fraudulent credit reporting and collection attempts over the course of the last 12 months and UNITED REVENUE CORP has since ceased to report on my credit report but they have not responded to my other demands. I have sent UNITED REVENUE CORP the attachments below via mail which consists of a notarized affidavit of truth, a notarized demand for verification letter, a notarized cease and desist letter, an ID Theft/FTC report XXXX Exhibits showing the violations compiled of the fraudulent mail URC sent me, and an invoice requesting remedy for violation of federally protected consumer rights under 15 US Code 1692k. These attachments should be more than enough to incriminate UNITED REVENUE CORP and I'm attempting to settle before this has to escalate to a civil or criminal process. Not responding to an affidavit of truth by default stands as truth in a court of law. I have also sent a notice of default and opportunity to cure. 

UNITED REVENUE CORP and XXXX has limited me from being able to buy a house, vehicle, and to extend credit. I suffered financial harm and harassment from them for the duration of a year. 

Per 15 U.S. Code 1692 - Congressional findings and declaration of purpose - UNITED REVENUE CORP has engaged in and practiced abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact Midland Funding about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from Midland Funding, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, Midland Funding representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX Midland Funding still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. Midland Funding has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from Midland Funding pursuant to state laws and FCRA laws and Midland Funding is not trying to resolve this issue. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Same issue I reported prior-Every deposit is always placed on hold for over 10 days regardless of the amount. I am tired of having to call and sit on hold to get my funds released when the funds are already in their bank as we discover when I call. I sat on the phone for over 2 hours for a {$500.00} check I deposit on XXXX XXXX- two hours. When I called that time XXXX XXXX XXXX  verifed the funds were there and had been there so why can Chase not see the deposits made in their bank account? I held a federal and state XXXX  XXXX XXXX XXXX XXXX  for over 10 years and understand they are increasing their balance sheet so they can lend more money through the fractional reserve lending we use stateside. It also appears they are sweeping other peoples money as well. This needs to be stopped. People work to hard for their money and they are famous for putting holds on everything everytime. The same day I deposited the {$500.00} with Chase I deposited {$2500.00} into XXXX at the same time with mobile deposit both drawn on XXXX XXXX XXXX. Next day my {$2500.00} was avaible with XXXX and Chase had a 12 day hold on the money. The most recent situtation happened when I remote deposited {$5400.00} on XX/XX/XXXX, they placed a 10 day hold on the check, I called Chase Friday at around XXXX XXXX to get the hold removed sat on the phone for over 45 mins with XXXX who called XXXX XXXX XXXX to verify the check verbally. I gave the XXXX XXXX XXXX rep authorization to access my account they did verified that CHASE HAD HAD THE MONEY AGAIN FOR 3 days. The XXXX XXXX XXXX  rep hung up, Chases ' rep said a few minutes and he would have it released, came back on the phone said it had been released and it would show up in my acct shortly. I get up Saturday morning and check my account- no release of the money. I called Chase again around XXXX XXXX The rep was vile, hateful, mean and ignorant. They told me I had not called and there was no hold release authorized. THIS IS BEYOND RIDUCLOUS AND YOU CANT MAKE THIS UP. You need to start penalizing these banks for their behavior, if you don't have that authority to do so they why do you exisit. XXXX XXXX does to the common man what they want when they want and we are expected to sit back and take it. Enough! Hold them accountable!

Company response to consumer: Closed with explanation