vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX I noticed a handful of unauthorized transactions made to my account, I immediately notified my financial institution, Credit Karma money by XXXX XXXX, and inform them of the transactions and how I had never received my card in the mail and deduced my card had been lost and or stolen. After this phone call I subsequently received email confirmation of me submitting these disputes and was informed that this matter had been escalated to a specialized team. On XX/XX/XXXX I received a response from the specialized team requesting documentation of my attempt to resolve this matter with the merchant who made the charges. I immediately provided them with the requested documentation and received a response confirming that they had received the documentation. All of this correspondence took place on XX/XX/XXXX. On XX/XX/XXXX having not gotten any update on the matter, I an email inquiring about a provisional credit seeing as it was the XXXX day since I informed them of the fraudulent transactions and had received no update of a conclusion to their investigation. On XX/XX/XXXX I received the following response. " XXXX XXXX, I am with credit karma dispute escalations. We were able to submit your dispute to the proper channels in order to be further investigated. Dispute number is XXXX. Unfortunately, due to it being a third party transaction ( s ), we are not in a position to dispute this transaction ( s ) due to the following reasons : The transaction ( s ) was not initiated by Credit Karma or XXXX Bank - This normally happens in situations where a P2P ( person to person ) transaction ( s ) is done via another service such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX etc. Unfortunately, we have no further recourse. ". 

This response from them does not seem to fall in line with my consumer protections guaranteed by law, and greatly concerns me regarding my ability to reclaim my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.

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 2022-03-12 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: NV

Complaint narrative:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-12 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: CA

Complaint narrative:
My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.

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 2022-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Upon return of my vehicle, a customer service rep at GM Financial informed me to wait until adjustments were made on my final bill, as the dealership that accepted my return did not make note of the correct condition of the vehicle. While waiting for these adjustments to be made, GM reported my payment as late. 

After speaking to customer service, the rep on the phone told me that GM would contact the credit reporting agencies to modify my payment history to show that my payment was not late. 

My credit report was never updated. This payment still shows late. 

This occurred XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: EQUIFAX, INC.
State: MT

Complaint narrative:
XX/XX/2021, XX/XX/2021 Equifax mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Basically, I think back in XXXX or XXXX I had an account at Bank of America and I was involved in a scam fraud case. Some XXXX XXXX American male sent me a direct message on XXXX and he wanted me to send him my banking account info. I said yes foolishly not knowing the consequences of my actions. And he proceeded to take money out of my account. 

After that I was told by my best friend 's mother to call the police and I did so after further looking into my Bank of America XXXX account in the banking app. So after that, I called the authorities. Then, amid my bewilderment, XXXX and behold the police said that indeed the young man was attempting to use fraud against me. 

He had weapons in his photos on social media. XXXX and such I suppose. 

Then after I reported the fraud case to proper authorities, they let me know to follow up with any leans in the case. 

An officer visited my household and handed me a card with all his information on it. 

I accidentally misplaced the card. 

Haven't been in touch since.

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 2022-03-12 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: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
Alliant CU, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
Goodevening, I have been frustrated with contacting debt agency with XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ). I have called my insurance for a better resolving solution to help pay off debt with the hospital an helped my contact debt agency resolve the issue at hand. An I was told to not to worry bc everything was dealt with XXXX. By the debt over lapping its bringing my credit down to the point I can't move forward with getting a place or a car or even get great steady paid job. It's messing up alot of opportunities that has come my way. I haven't gotten any phone call if I did it's under number I don't recognize or don't know which I don't answer bc of scammers as you all suffer from as well. I would like better results to help understand why is this bill XXXX when it's been paid of to my insurance. Please I would like help resolving this debit so me an my beloved can have better futures. Thank you for listening hope to hear from you all soon.

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 2022-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I received a letter from Bank of the West that says I opened an online account on XX/XX/2022 and XX/XX/2022. 

I did not open any accounts with that bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/2022 Citi Bank Failed to activate my new card that will be used to book travel for family vacation. 

Customer service call center was not helpful at all and not willing to provide assistance to solve the problem.

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 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS, INC for committing identity theft. I have never given TRANSWORLD SYSTEMS, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from TRANSWORLD SYSTEMS , INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS , INC continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I keep getting this text and I dont even have a chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: SC

Complaint narrative:
Basically, I think back in XXXX or XXXX I had an account at XXXX XXXX  XXXX and I was involved in a scam fraud case. Some XXXX XXXX American male sent me a direct message on XXXX and he wanted me to send him my banking account info. I said yes foolishly not knowing the consequences of my actions. And he proceeded to take money out of my account. 

After that I was told by my best friend 's mother to call the police and I did so after further looking into my XXXX XXXX  XXXX online account in the banking app. So after that, I called the authorities. Then, amid my bewilderment, lo and behold the police said that indeed the young man was attempting to use fraud against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Then after I reported the fraud case to proper authorities, they let me know to follow up with any leans in the case. 

An officer visited my household and handed me a card with all his information on it. 

I accidentally misplaced the card. 

Haven't been in touch since.

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 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL , LLC for committing identity theft. I have never given SPRING OAKS CAPITAL, LLCany permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from SPRING OAKS CAPITAL , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL , LLC continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: KS

Complaint narrative:
We purchased a home through Caliber Home Loans in XX/XX/2021. Since then we have been trying to contact Caliber Home Loans to set up our payment as bi-weekly. We have spoken to several people on the phone, often after waiting an average of 45 minutes. They all have told us a different thing. We've been asked four times now to submit the same paperwork yet we continually get told our attempt to enroll in their recurring automated payment system has been unsuccessful. We went with Caliber because we were told they were military friendly but when you can't get a straight answer and they have not been able to enroll us in the payment plan we have requested for four months now something seems off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: CO

Complaint narrative:
The Tradelines XXXX XXXX XXXX  are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.

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 2022-03-12 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: CO

Complaint narrative:
The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union closed my cash rewards account approximately two years ago although I was making payments on time each month. They always deducted loan payments directly from my account, so it could have never been late at the time of closing. They said they closed it based on information regarding other accounts from a new credit report they obtained. They closed my account which impacted my credit score because although I make payments I can not use the card. They are also still charging me interest on the card although they chose to close the card ( not due to my credit card payment history ). 

I believe they either needed to not close my card or stop charging me interest on an account they chose to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation