vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have tried endlessly to report this fraud to Kohls and they dont do anything. They state they will file fraud reports and then just tell me its not fraud. I have not made purchases on this account and they closed my account and they are reporting it as delinquent and adding late fees and now they are saying there are two accounts. The Fraud Department wont speak with me and no one helps get this resolved as what it truly is FRAUDULENT CHARGES. They are now charging past due balances. 

I dont have any documents to provide and I am at a loss on this and so frustrated. They transfer me multiple times and they are reporting me delinquent on an account that I did not make purchases on. I finally got this much from them on one call and when I questioned things I was then put on hold and hung up on. 

Account Balance : {$300.00} XXXX : {$120.00} XX/XX/XXXX : {$46.00} Purchase : {$80.00} Late Fees I was transferred at least five times every time I call them. And then they just put me on hold and then hang up. 


Please help me anyway you can just want this balance to XXXX and never deal with them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Recognizing that I am the consumer and the original creditor, I noticed some issues with XXXX and the alleged debt. This is not my debt, and I have been violated by XXXX regarding this alleged debt in a list of ways. 

According to 15 USC 1692 b ( 1 ) of the Fair Debt Collections Practices Act, they should not have stated that I need to pay on a debt, via Credit Collection Services. This is a violation. 

According to 15 USC 1692 b ( 5 ) of the Fair Debt Collections Practices Act, they should not have used any language or symbol on any envelope orin the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This infringes on my right to privacy. This is a violation. 
According to 15 USC 1692 d ( 2 ) of the Fair Debt Collections Practices Act, they should not have executed the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Telling me to remit payment was interpreted as obscene to me. This is a violation. 
According to 15 USC 1605 ( c ) of the Truth in Lending Act, property damage and liability insurance premiums are to be included in finance charges of consumer credit transactions. This would include my auto loan for the car tied to the XXXX insurance alleged debt. It was not included, technically making my contract null and void, because fraud trumps any solemn contract. This is a violation. 
I never gave permission to Credit Collection Services ( who is acting for XXXX ) to have my information. No consent by definition is Identity Theft. 
These violations overall all have also caused distress to my life. The derogatory mark from XXXX on my credit report has negatively affected me being able to get financing, caused issues with hiring, and has brought about physical stress to my life, due to extra work and strenuous effort.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC
State: VA

Complaint narrative:
My cell : XXXXcalls with the same message multiple times over day for a debt I do not have. I have no business relationship with titlemax. 
Calls : XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX This is only XXXX. Has been going on for many months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-10-28 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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.

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 2021-10-28 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:
MY IDENTITY WAS STOLEN THREW TAX THIEF & XXXX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES

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 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 I received a text message claiming to be from chase. The text contained a link and the following message CHASE : A payment attempt on your Chase account has been canceled. For more information please click here XXXX XXXX XXXXXXXX I followed the link which asked me to sign in. A few hours later I received a call from someone claiming to be a chase representative. They provided their name and employee id, said that the website has been taken down, and advised me to change my login and password as well as canceling my debit card and requesting a new one. I completed all three suggestions and patiently waited for my new card to arrive. It is now XX/XX/21 and I still had not received my card. I proceeded to call chase and ask for the status of my new card being mailed out. I was told by the representative that there was not indication that my debit card was canceled and a new one was being sent out. The representative advised that my account did show that it was accessed by a chase employees employee on XX/XX/21 but it was a completely different rep mentioned in my account that I had never spoken to or heard of. My account and debit card was left unsecured as I was under the impression that my card had been canceled and a new one was mailed out. This is completely negligent and careless on chases behalf and I am now left with the worry of my information being released into the wrong hands. This is also not the first time that Ive had issues with fraudulent activity that was not done on my part but could not be explained by chase. This not only affects my current financial situation but any future financial situation that is to come. My information was exposed due to the negligence of chase employees and chase has done little to nothing to secure their customers personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect on a debt that is the was result of identity theft. 
XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. 
This debt is not owned by anyone in this household. 
Also XXXX XXXX XXXX was told that the account was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: MO

Complaint narrative:
TRANSUNION IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.

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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory on XXXX. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-10-28 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: NC

Complaint narrative:
I seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
On XXXX I paid off my current mortgage with Freedom Mortgage because it was required per my XXXX XXXX. The payoff was almost {$3000.00} too much because I was told they couldn't subtract the Escrow amount and I would get a refund for that. On XXXX I called Freedom because I had not seen that check and I realized that my Ex had put his out of town address on statements that he was getting mailed to him. I told the Freedom rep that if he gets the check he will forge my name and cash it. I was assured that he was not mailed the check and that it went to me at the property address. On XXXX I called again because the check had still not arrived and I was told it was in the mail and the USPS was to blame because they are slow. I again insisted they confirm that the check was in fact mailed to my address, and once again I was assured it was mailed to me at my property address. Wednesday XXXX I was not feeling good about this whole thing, so once again I called Freedom and I was told a totally different story. The check did go to the Ex 's address and I would have to wait 30 days from the date the check was issued ( XXXX ) to stop pay and have another check issued to me. No one can tell me if the check has been cashed, until that 30 days. So my Ex gets my money once again. The lack of customer service, the different story each time I call and the fact that there is no regard to my money getting returned to me in a timely manner is unacceptable. The bank charges me daily interest, where is my daily interest on my refund?

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EXP/XXXX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.

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 2021-10-28 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: MO

Complaint narrative:
XXXX IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: MO

Complaint narrative:
XXXX IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.

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 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America card was damaged so I called in to order a new card and was told it would be sent but I never received a card. I called the customer service number to find out what happened and report that I did not receive a new card the reps would not tell me anything or do anything to help me. They refused to provide me with my account number or send me a new card and would not give me any answers at all. There is no reason for this and if there was any suspicious activity or something on my account then I should be told. I can verify any of the required information over the phone and I am being discriminated against and have been provided with any reason. 
This bank has recently been court ordered to not freeze accounts base on automatic fraud filters and I believe that this has happened because I tried to apply online to open a savings account and was told that I must go to a bank in person since I failed to answer one of the credit questions correctly by accident. 
There is no requirement that I must visit a bank to inquire about my already open account and debit card. I have a right to my money know what is going on with my accounts and I should have access my account like everyone else by phone, online etc. They refuse to give me any answers or let me verify me identity by phone.This is illegal practice by this bank. I have been left without any funds and no ability to pay for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief