vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 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:
I contact this bureau regarding fraudulent accounts that was open under my name with out my permission but as of now one is still left on my report : XXXX  credit card! This is a fraudulent account I have a ftc report with the federal trade commission and a police report to proof that these accounts are fraud see police report for more

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 2019-08-17 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: CA

Complaint narrative:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
Y ou need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2019, I was wired a sum of {$3000.00} to be deposited into my personal checking account. The type of account that I have does not allow wire transfers to be made to it. Why? Im not sure, as that question failed to be answered over and over again. In any case, with the money not able to be deposited back into my account, I was instructed by the senders financial planner to request the receiving bank to send it back ( since it had possession of the money but no intention of disbursing it to me ). I attempted to execute that plan, but was instead met with our default policy is to eventually deny the wire, and that will be within 3-5 days. So, in essence, Chase bank ( the receiving bank ) has no intention of disbursing the funds that it had in its possession to the intended receiver of funds, but instead was making a decision to keep those funds and return them days later? After having received them with seconds of the wire transfer being initiated? It sounds to me like its stealing, if only for a few days, and its unconscionable that a mega bank like them is able to get away with this. {$3000.00} being sent to me was a lifeline, and I cant expect the sender to make arrangements to deposit another {$3000.00} into an account that Id be able to access the money, as that would be on top of the initial {$3000.00} and I wouldnt expect someone to be out {$6000.00} for a {$3000.00} payment. So Im out of a lifeline until Chase makes it right. Basically, Chase is receiving an interest free loan for a few days that they arent entitled to. If any person did that, there would be penalties, and it doesnt seem like there are for these monster corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX/XXXX-XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
CFPB XXXX-XXXX was mistakenly closed as a duplicate compliant - this was NOT A DUPLICATE compliant as it contains new information regarding evidence of fraud that I did not have when the original compliant was filed. I had requested the evidence many times however, AMEX did not clearly communicate where I could find the information and delayed mailing it out until just a few weeks ago even though this dispute started back in XX/XX/2019. 

COMMUNICATION FROM CFPB XXXX-XXXX This is a follow-up compliant to CFPB Ref No : XXXX-XXXX. In there response, AMEX completely failed to address the issue of fraudulent charges as evidence by the fraudulent signatures shown in the documentation provided by the merchant. From day one of the compliant initially started on XX/XX/2019, I was very clear that I was at the location but did not make the charges. Any surveillance footage provided by the merchant does not prove anything. ID was provided to enter the merchant 's place of business. AMEX initial response documentation includes : evidence of one way mail correspondence by AMEX but failed to mention the multiple times I had called to complain I wasn't receiving the mail correspondence or the 5 times I re-disputed the claim but I 100 % disagree with the findings. Documentation also includes XXXX receipts showing fraudulent signatures as well as surveillance footage. Additionally note, on the XX/XX/XXXX call with AMEX I specifically requested that the associate mail any and all documentation/evidence that the company has on this case so that I may review it and not identify the inaccuracies. AMEX representative said this would happen - to date, I have not received any of the " evidence '' in the mail. Attached - + Original CFPB compliant + AMEX inadequate response + AMEX one way communications - this is what was provided in the original response by AMEX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Financial Services
State: IL

Complaint narrative:
While checking XXXX XXXX I noticed a new hard inquiry for a new line of credit that I did not authorize for the 3rd time this year. The first was on XX/XX/2019, the second on XX/XX/2019, and recently XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
To whom it my concern, the purpose of this complaint is to inform National Enterprise System XXXX # XXXX XXXX ) of my NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written notice before LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Case from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : 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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/12 i made a purchase on a website through XXXX for {$190.00}. I cancelled the order the same day and thought that the charge on my card would go away. Once i saw that it did not I immediately submitted a dispute with Citi card. Finally at the end of XX/XX/XXXXthey sent me an E-communication that they needed more information without giving me any way of replying and I accidentally closed the dispute. I called XXXX to see if they could deal with the issue. They said that I should call Citi and have them change the dispute category to " Never received Item '' and reopen it however, after calling Citi 3 times, I only received a communication that I need to pay my balance or my credit would be affected. 

I even have proof that i pointed out to all the agents of Citi that i spoke with that my order had been cancelled by the person in question and they just said " we may need that later on ''

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
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
6 years ago I attempted to open an account with Bank of America. I was approved for the account at the time, but it was subsequently closed a few days later due to being on a negative list maintained by XXXX XXXX XXXX. This record listed on the report from XXXX turned out to be from an account opened fraudulently at another bank, and was removed. I later went back and attempted to open an account at Bank of America after explaining the situation and was told that my relationship had already been ended and that it was a final decision. Fast forward a few years later I decided to try again to see if maybe the bank policies had changed and after so many years, considering the record was removed, and wasn't my fault, that maybe they would open an account for me. I was denied again. I have never been able to have an account with the Bank simply based on this one thing, and I have spoken with representatives from the Office of the President, and have still only been told that, despite my situation, documentation, and explanation, that it would remain a final decision and that I could never have an account with the Bank because of this.

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 2019-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Borrowed {$1500.00} made payments for 2 years with no.luck of paying down balance due to high interest rates. I got sick lost my job they towed my car and gave me little.time to pay then {$2000.00} to get my car back to avoid them selling it. I had told them my situation and that I was in the hospital for weeks and they still sold my car. My credit report now states XXXX  as a loan that was charged off with an balance of XXXX owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: EOS Holdings, Inc.
State: MA

Complaint narrative:
This company claims that I have a balance of {$2200.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit reporting agency that they are reporting this to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report. I asked for documents that would show an original contract bearing my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law and also by what the FCRA says, they have to provide me with a contract that has my signature on it. On the credit report it shows the name of this company, but I do not know where this debt came from, I never had an account or a contract with them that says that I have an obligation to pay them anything. I want to see the original contract in order to validate this debt, I dont want to see no account statements or no itemized piece of paper because that is not enough to validate this debt, if this documentation that I have asked for cant be provided to me than delete this debt or account from all of the credit reporting agencies that it has been reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services , LLC opened fraudulent mortgage loan using our property information and my identity information on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They did not report this loan to my credit history until XX/XX/XXXX. Recently when I found that this loan was opened by my stolen identity information in XX/XX/XXXXand not by any legal business process, I reported a complain to FTC. As a result, Carrington closed the loan for few days. Recently they again opened the loan account and sent me a foreclosure notice for non-payment on this loan. I have made it clear to Carrington Mortgage Service that unless and until they prove that this loan has been opened in XX/XX/XXXXlegally, I would not be paying them any money. Carrington did not provide me any proof of the legality of the loan. Moreover, they changed my property title by executing two forged mortgage deeds. 
Carrington issued two other fraudulent mortgage loan notes on our property. One was on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXand the other on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They serviced the loan in XX/XX/XXXX, when they were not even servicer of our mortgage loan. The other loan they are currently servicing since XX/XX/XXXX. Both these loans have been documented in Mers and the forged deeds are also recorded in the XXXX XXXX of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I used XXXX to send payment for football tickets which were never received. I called Chase ( my bank ) and they told me there was nothing they could do and offered no help at all. They wouldnt even give me the merchants info. People need to be very careful using XXXX as your bank will not offer any consumer protection for the service offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
so I have this XXXX XXXX card with Comeninty Bank there cutoff is like XXXX XXXX in the XXXX XXXX its really not fair for the people that live in the XXXX XXXX most of the time they day my payment is due I work until XXXX  I try to pay before a lot of times I have a problem with my phone internet like today I didn't get off until XXXX I tried to make a payment before but it didn't work and I had to back to work and I got in like an hour after the due I pay on they day they are due but they to get like an hour past the cutoff this cutoff times are really not fair I want all my late fees credited they get them on they day they are due and they charging XXXX because my payment posted maybe an hour after the cutoff times on the day they are due why should I be punished for the way there computer programs work everyone one of these they are getting them the day they are due and they don't seem to care at all I want every late payment credited

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: I.C. System, Inc.
State: MA

Complaint narrative:
This company claims that I have a balance of {$1700.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureaus that they are reporting this debt to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I know that the FCRA says that a contract needs to be provided to the consumer bearing his signature when validating a debt. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows the name of this company but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.

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 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
Between XXXX XXXX XXXX of 2019 I was contacted by a debt collector named XXXX XXXX with IQ data. He has called me every other day since XXXX when a rent payment was a month past due. I suggested a payment plan or a set date to pay the amount in full and i was told to get a credit card. Then he threatened that my credit would be impacted if I did not pay the amount in full before the end of XXXX. The debt collectors who I spoke with later threatened to sue me if I did not make a payment and pushed me towards a mental break down. I have mental health issues and they used vulgar language and pushed me to the point of an XXXX  XXXX.

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