vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX and then also XXXX ( both attached ). On both of these reports, I found a Credit Card account beginning with XXXX, and ending in XXXX with Bank of America that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the report, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call Bank of America and all three major credit bureaus. I first called Bank of America and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of Bank of America, I was told the account was associated with the address and phone number listed above. 

During this time, I also filed an identity theft report with the FTC, which is report # XXXX After filing this dispute, I received a letter from Bank of America dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I am claiming this credit card account is a result of identity theft. I will be following up this CPFB complaint with another addressed to the three major bureaus who have utilized this Bank of America fraud claim outcome to state that the account listed in their initial reports has been verified as accurate.

Following up, I have also frozen my credit with all three bureaus.

I am challenging Bank of America to produce any documentation to support my creation of this account. And I will sign any document or provide, in any capacity as a witness, that I had no knowledge of this  account prior to discovering it on XX/XX/XXXX, via the credit reports I ran. 

Please let me know of any additional information I can provide, and thank you. 

- 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 explanation
Consumer complaint received 2020-10-15 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: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My original account maturity date was on XX/XX/2020 but then it was extended twice to XX/XX/2020 I was making payments on time and now after my account reached the maturity date I was shocked by outstanding balance of more than XXXX $ which is not acceptable and does not make any sense I have been paying for my car for over 6 years and I believe that this bank was overcharging me the whole time There is very high interest about 26 % and I already paid about XXXX $ as a down payment I believe there is so much fraud about my contract and there is a lot of inaccuracies regarding my principal, interest fees and late fees that made me overpaying for the car And now after I reached the maturity date they want me to continue paying this unexplained balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Since opening the account with Suncoast Credit Union. First my card would just completely shut off or decline transactions for absolutely no reason or explanation as to why it was happening. At one point transaction would say declined but I was still having the funds taken out even though I was paying for the items by other means, I provided receipts to show that I did so. On XX/XX/2020, Suncoast Credit Union accused me of falsely getting a XXXX Loan and XXXX Loan. After being accused I said I was filing complaint against the Credit Union and the next day my account was put on a restriction. After calling I was told that I needed to send in all information I submitted to obtain my loans in which I did. Then the customer service mentioned deposit from an out of state unemployment were disbursed into my account back in XXXX and XXXX. Deposits I never noticed because of the low amount. I asked why would they even accept the deposit being that it wasn't in my name and it was from an out of state unemployment and they had no response. My latest issue is that I filed another dispute in regards to transactions that were paid for by other means. I did the dispute back on XX/XX/2020 and also provided receipts showing I paid by other means. I was told I would have an update within XXXX business days and we are now on the XXXX business day with still no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
I ordered merchandise from online store XX/XX/XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XXXX XXXX, 2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts 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 2020-10-15 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: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I requested a reasonable settlement offer from Wells Fargo for accounts opened in my name which I did not need or want, did not request. To date, Wells Fargo has made remedy offers which do not cover damages caused by said accounts. The remedy offers, which payment was not received, include amounts of {$3700.00} and subsequently, {$500.00}. Both amounts do not cover damages sustained to credit, ability to open accounts with other institutions. I've filled out several meditation request forms, sent in, no reasonable offer made to me. Failing to make reasonable offer and honor their prior remedy offers, I request Wells Fargo stop sending mediation request forms and provide an address to mail notice of lawsuit to. Most recently, I refused a XXXX package from Wells Fargo Mediation, tracking ID is XXXX. Package was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I suspect reason for non-receipt of payments prior is due to address change, payments may have gone to old address which I no longer live at. Further, I suspect Wells Fargo sent yet another mediation request form, in which case if filled out, will be denied as with prior ones. I have refused XXXX package as again, it appears to be yet another mediation request form.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I tried to call US Asset Management and was unable to verify this so-called debt. I received THREE notices at the same address within the past week, one that I've never lived at. This is where my parents live! This is definitely a scam, as I've paid XXXX on time for years and years. Do not fall for this one. They claim I owe {$48.00} and give me all these account numbers and information, but I looked online and see there are others receiving this kind of notice for varying amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for Capital One credit company. I had a Capital One credit card which I permanently closed back in XXXX. However, CO informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted Capital One few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, Capital One refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. Capital One also refused to provide me with the account or card number. The agents and managers that I spoke to in Capital One claimed that this is their policy and regulations that they have to follow! Capital One has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to Capital One to be permanently removed from any credit report belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts 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 2020-10-15 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: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts 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 2020-10-15 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I turned in a Leased Honda XXXX  early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another Honda. American Honda Finance ( AHF ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another Honda ). None of the {$900.00} was related to monthly payments. I received a notification that my credit scoXXXX had dropped XXXX points because AHF reported a 90 day past due status on a payment. My position is that AHF incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to AHF also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. AHF refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with AHF on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that Honda tacked on because I didn't lease or purchase another Honda. AHF refused to reclassify their reporting, and now I have an XXXX credit score decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, XXXX invoiced me {$120.00}. I made payment for the invoice using Chase XXXX card ending in XXXX on XX/XX/XXXX. Till date XXXX has not received the payment. 

I had to make payment using another credit card ( XXXX ending in XXXX ) on XX/XX/XXXX as otherwise XXXX would cancel my subscription. 

I called Chase and informed them of the issue and provided them with documents showing that they were unable to make payment and that I had to pay using another credit card. I asked them to refund my money. 

Chase will not refund me and keeps telling me to ask XXXX to check with the acquiring Bank. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts 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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: United Revenue Corporation
State: TX

Complaint narrative:
Hi there not only am I a victim of identity theft this company refuses to validate this debt in a metro compliance way. am I saying that this is to identty theft no Im not Im trying to get them to understand that I have no knowledge of this debt. The incorrect names etc the threat to be reported frivilous when all im trying to do is clarify where the accounts came from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for XXXX XXXX credit company. I had a XXXX XXXX credit card which I permanently closed back in XXXX. However, XXXX informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted XXXX XXXX few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, XXXX XXXX refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. XXXX XXXX also refused to provide me with the account or card number. The agents and managers that I spoke to in XXXX XXXX claimed that this is their policy and regulations that they have to follow! XXXX XXXX has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to XXXX XXXX to be permanently removed from any credit report belongs to me.

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