vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
this is my XXXX attempt trying to correct this inaccurate item from my credit report.I sent XXXX XXXX XXXX a letter requesting the validity of the alleged debts of XXXX, and XXXX on XXXXXXXX XXXX certified mail # XXXX and i haven't receive anything nor have they deleted the unverified and inaccurate items .i will turn this matter over to my attorney to sue if items are not deleted within 14 days. they have violated 15 usc 1692gb by not responding within the 30 days allowed by law. i also have attach copies below for your reference.and the tracking has it been delivered on 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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America was notified several times that an account for checking and savings was opened in my name without my authorization. Bank of America responded with stating that they sent information on record to a XXXX XXXX XXXX not only is this address fraudulent, I never lived there. Which is what I advised Bank of America. I am not sure where they got address from, but it certainly was not from me. Bank of America did NOT follow the patriot act, and did not verify my identity. Bank of America allowed these account 's to be opened online without my authorization. These account 's they opened are a result of identity theft. True Identity Fraud. I never once received a debit card for these account 's. I did not call in to discuss these accounts. I did not receive any money from these accounts. I did not authorize these account 's to be opened. I did not sign any account opening documents. These were not approved. I am a victim of identity theft, I have never been a customer of Bank of America. Bank of America did not verify my information prior to opening said account 's. Bank of America 's internal employee must have opened these account 's and used these account 's fraudulent with my stolen identification. Which is unacceptable. This has been reported to the FTC. I do not know the account numbers because again, I never received any documentation on these account 's. Bank of America sent documentation to an address not related to me. Bank of America 's Fraud department refuses to honor claims of identity theft when it's true identity fraud. I believe Bank of America is not only violating consumers rights, Bank of America marks said customers in their system as not bankable. EVEN When you did not even open the accounts to begin with I AM A VICTIM of FRAUD. I do not know who opened the account 's but they did so without my permission. This has been reported to the Police.

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 2022-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I printed out copies of XXXX  Loan forgiveness forms to send to my employers. I went to the trouble to have them filled out and sent off. XXXX XXXX, who my student loan is with, sends me a letter saying that they cant process my forms but doesnt directly state why. I assume it is because the form had expired. Problem is that I can't find a form that is not expired. I tried to contact the company about it but they will not reply. Now I get an email stating that they are selling my loan to MOHELA and will be transferred on or about XX/XX/2022. The U.S. Department of Education states on their website that you can apply for teacher loan forgiveness but you can not access an application on their site or anywhere!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Some one in Texas Fraudulantly opened a XXXX XXXX credit card in my name and it is now on 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 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Approximately XXXX years ago, my landlord ( XXXXXXXX XXXX ) and its management company ( XXXX ) attempted to increase retroactively the rent on my apartment by {$500.00} per month, in contravention of the amount set forth in, and the terms of, my lease. I immediately disputed their attempt and pointed out the provision in the lease documents that expressly stated my monthly rent amount. XXXX ignored the documents and, when I moved out of the apartment 6 months later, they continued to attempt to force me to pay the aggregate {$3000.00} that they created out of thin air. 

Earlier this year, after multiple emails and phone calls over the past XXXX years in which I repeatedly provided XXXX employees with the lease documents proving I did not owe the amount they alleged, XXXX XXXX hired a debt collection agency named Columbia Debt Recovery dba Genesis to attempt to collect the alleged debt. Genesis filed a collections account with XXXX ( and presumably the other credit bureaus ) asserting that the alleged amount was owed and in collections. 6 weeks ago, when I checked my credit report and first saw the so-called collections account, I immediately called Genesis to inform them that the amount was not owed, per the terms of my lease. At that time, I emailed to Genesis copies of the lease documents and the ledger that I received from XXXX showing their fraudulent attempt to increase my rent. I have had numerous emails and phone calls with Genesis in the past several weeks, during which, among other things, an employee of Genesis confirmed that the lease documents prove that I never owed the amount asserted.

I have repeatedly asked Genesis to contact the credit bureaus to remove the collections account. As of this afternoon, they have yet to do so, notwithstanding their knowledge that the alleged debt is false and my informing them that they were violating, among other things, the Fair Debt Collection Practices Act by continuing to attempt to collect a fraudulent alleged debt. I have also repeatedly asked to speak to XXXX and/or Genesis legal counsel, as the lease documents are clear on their face ( and I happen to be a licensed attorney ), to no avail.

I have attached the lease renewal form which shows the legal amount of my rent, as well as the ledger XXXX provided me that evidences their fraudulent attempt to increase my rent. The lease itself is too large to upload, but I am willing and able to provide you with that document, as well. Upon request, I will also provide all email correspondence with XXXX and Genesis over the last XXXX years. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a checking account and XXXX savings accounts with Capital One. My wife and I recently completed our estate planning and now have a family trust established as the beneficiary upon our deaths. I have been contacting all of our financial institutions to update the beneficiary. With 7 other financial institutions this has been an easy process and could be done online for all but 1. 

However, it has been difficult with Capital One because the company says they don't allow trusts as beneficiaries. These are our funds and I have the right to designate what happens to them upon our deaths. I have tried online and by phone but Capital One refuses to acknowledge our request. The phone representative said she knows this is a problem and she hears the complaints often but Capital One doesn't listen to its customers. 

Please assist in helping us ensure our funds go where we intend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was supposed to be refunded secure credit card balance in XX/XX/2020 due to they didn't get to my Taxes statement sent before expiration date. I was told they will refund the remainder of my balance to my previous address in XXXX, pa. In XX/XX/2020 I called to check status and let them know we received no check and we were moving. I updated my address and supposedly Discover Credit card told me the check was sent but never received. XXXX more times this happened in which agreement was struck with Discover credit card and myself that I will be issued an expedited service and an electronic transfer in the sum of the remainder of balance of {$480.00} I was due to receive it by XXXX of XXXX in which again nothing. I'm rudeuced to recording our phone calls because no one at the company are making appropriate notes, following their own policy of 2 cycle and ten day return, and at this point the whole situation is getting utterly rediculous with conversations began to get aggressive and threatening with them. Phone calls are recorded from both parties both them and me and I need your help. I'm followed procedure with both you and the attorney general to have this matter investigated because I have no help in this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-07-21 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: NY

Complaint narrative:
In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-21 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-07-21 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
Beginning of XXXX an account was opened fraudulently under my social security number with XXXX. For the amount of {$950.00} in XXXX. I've only been to XXXX during a layover to California to drill with my military unit during that time. Which was only for an hour and I live in North Carolina. I've disputed these charges in the past and talked to the current debt collector, Receivables performance. They've tried to call me back in XX/XX/XXXX. But didn't talk to me any further due to the information they have being false. Then in XXXX I noticed that the collection was on my credit report for XXXX. When I talked to them all the information they had on me was false mince my name and social security number.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
HSBC Bank is reporting a late payment on my history. I need some help, I have had this account open since 1995 and have never once been past due. I got covid and thought my husband paid on the bills. He said he did. Please this is devastating as you can see by my credit I care and never once have paid a bill late. Please remove this remark. I care about my credit and my creditors who allow me to have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Locked out of newly opened savings account : on XXXX I applied to Discover, via website, for an online savings account, completing all requested information & signing required forms. Once it was submitted, I immediately received a confirmation with account # and a list of the documents I had signed. I logged on 10 minutes later, to add an external account, I was then knocked out of the system ; I logged back in & message appeared " account is locked, call XXXX. '' On XXXX, XXXX, I spoke to CS rep XXXX XXXX XXXX at above #, she couldn't help. At XXXX I spoke to XXXX XXXX XXXX XXXX XXXX who spent 40 minutes with me trying to figure out the cause of lockout, & finally found that the acct had gone to the bank fraud unit???, and gave me phone # 's XXXX and XXXX to call & apologized for not being able to help. For ( 3 ) days straight I called each of the numbers, never got through, and each had waiting times from 1 hr - 3hrs!

I never received a letter or email notifying me of the reason for the lockout. I've lived in New York all my life, XXXX XXXX, all my credit & personal info is readily verifiable. In looking for a new online savings account, I read a reviewer 's remarks- don't remember bank - who experienced what I'm going through and I thought how crazy is that? Something is very wrong with the identification systems if it can not easily identify readily available personal & credit info of an applicant!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Skrill USA, Inc.
State: TX

Complaint narrative:
Received an email dated XX/XX/2022 at XXXX AM letting me know that my request for a Skrill account had been approved. A couple of emails later there was a confirmation that card XXXX has been added. The final email stated I needed to send in a copy of my identification to finish the process. The email address used to open the account was XXXX. 

I did not open this account. I attempted to contact them at the phone number provided XXXX and it continues to loop through a process of entering a pin and pressing 1 for English. You can not get to a live person. There's no email address to contact. The address given for the company in the email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX. 

I have had several accounts opened in my name and I have consumer fraud alerts on my credit report. Just recently a XXXX XXXX XXXX account was also opened in my name that I have had closed. I need to make sure this account is closed and removed from my record, if necessary. 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Bankruptcy chapter XXXX XXXX Case # XXXX Date Filed XX/XX/2017 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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