vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have worked very hard to restore and repair my credit and my life which was in bad shape after a divorce situation in XXXX. I have succeeded in doing so and currently have a reputable XXXX credit score. I am very particular about paying my bills on time and never do anything to damage this credit I worked so hard to restore. 

With that in mind, I believe The XXXX XXXX XXXX has taken advantage of me and defrauded me of XXXX dollars in the process. 

I received a phone call XXXX from a " Private Number '' and was curious to see who it was so I answered the phone. The man told me there was an urgent pending legal matter filed against me. He said he was a " process server '' and could not give me any specifics about the case. Offering no specifics on my inquiry about the matter, he then told me I could call a number, however, and he gave me XXXX and a case number XXXX. He said I had ignored attempts to reach me ( and was not specific about how ) and that as a result a law suit was filed. 

When I called the number, I said my name and the case number. The man said I was negligent and not a responsible person obviously because I kept on ignoring their attempts to reach me. I received no attempts via US Mail and I received nothing else referencing this matter. He was extremely aggressive, rude and threatening. He told me I had five hours to " fix this and pay. '' Honestly, it worked because I was intimidated that according to him they could freeze bank accounts, seize personal property including my car. It scared me and I reacted asking him to please send me at least a description of the debt. He complied and sent a letter with the apparently a Chase debt I didn't specifically recall. 

After over twelve years has gone by, I remembered that there was a credit card that my former wife and I had that may have been a Chase card as he said. At that point I thought that it must have been unresolved and to avoid any problems in my life, I agreed to pay the amount. I used a XXXX XXXX credit card to pay the amount of XXXX. 

After the fact, I did some checking at the urging of my son, to see if I had made a mistake. To my chagrin, XXXX XXXX came up in searches on XXXX as a notorious illegal " XXXX '' debt collector. Upon further investigation I realized that they had broken the law by not notifying me by US Mail, and that the Texas Debt Collection Act says that it is illegal to collect a debt more than four years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Auto reported to XXXX and the other credit bureaus probably an {$8.00} charge on the total balance of my installment loan. Bureau says they just list what Ally tells them and Ally says they don't see that and checked my credit to do so. I will file a dispute but that already has been listed on my credit report and is making my report look bad. I will have to file disputes with the other bureaus as well. I am never late.

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 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies Transunion, XXXX, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is Transunion, XXXX, and XXXX in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?

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 2021-11-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, XXXX, and Equifax on the following accounts. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, Equifax, and XXXX in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a picture today from my ex wife about my recent credit inquiry with Chase bank ( it shared personal information about what I was trying to do with Chase Bank ) not only did she open the mail but gladly sent me a picture of it. The issue here is Chase bank without my knowledge or consent changed my mailing address to my ex wifes address. Granted we had an account together 8.5 years ago this account was closed and I have not had any issues until today. My mailing address was changed without my knowledge or consent. I spent 2 hours on the phone with multiple divisions of Chase bank none of which could explain why this happened or how nor did they offer any comfort in trying to research the issue to correct it. I did speak to one individual at the bank and it led me to check my profile to verify my address was correct and it was but there was a separate mailing address line below which stated I couldnt add/change/remove this address and to call the number listed if there were any issues ( which led to my 2 hours on the phone ). My time did not end with a resolution or even a glimmer of hope that this would be done since every individual I spoke to said they couldnt see the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have an {$800.00} credit limit with this company. I paid {$650.00} on XX/XX/2021. It states my balance remaining on my credit is {$190.00}. But I have a negative ( {$55.00} credit limit ) this needs to be updated. It makes no sense and you can not get through to anyone to complain and get this addressed. Also every time I make a payment there is no confirmation of payment. So there are always issue with 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 2021-11-16 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX, my wife has recieved several calls from this Agency trying to obtain my information and contact me ... once they were able to reach me, they said I had to repay the debt or portion of it or they'll report it to my credit bureaus in which they have and that itll go to legal actions... I told them I have no knowledge of the company... the original creditor from my XXXX in XXXX has not ever contacted me regarding the debt...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I was a victim of Identity Theft in XX/XX/2021 with XXXXl accounts from multiple banks being opened in my name. I immediately reported it and started tracking my credit report and the fraudulent accounts to shut them down. UpstartXXXX opened an online account and made a fraudulent loan in my name with no effort to verify or protect my identity. I never opened this loan and I certainly did not accept the terms and conditions of said personal loan. They use no ID verification service, they requested no photo ID or other method of verification. Because they are online only, they never sent a copy of the loan by mail - that would have alerted me to the fraud. I didn't learn about it until 3 months later when I got a notice of default on the loan ( by mail, so perhaps they do send things to consumers ). Now I want to refute my liability for the loan that I never applied for and never received the funds, and it is difficult. Upstart 's ability and support in this area is lacking. They don't call you back and have not been helpful. I did recently receive a package with the loan details from them, but now they want my photo id, police report and FTC file - all which I have but it's infuriating that the burden is on the consumer to fix their broken process for making a fraudulent loan. Maybe they could have asked for photo ID when the fraudster opened the account? ... or made any effort to verify the identification? In addition, there are accounts attached to this loan that I don't recognize, but Upstart tells me that I need a subpoena to get that information. ( I need that information to likely shut down those accounts that were also opened in my name/SSN without my knowledge. ) How can an institution give a sizable loan without confirming the identification of the person applying? Where are the protections for consumers? Identity theft and data breaches are massive problems and Upstart doesn't seem to have the procedures in place to verify borrow identity and protect consumers. Furthermore, the lack the process in adequately supporting consumers when fraud does occur. 

Lastly, XXXX ( who is the actual creditor ) has a relationship with Upstart for their 3rd party personal loan processing and they have been absolutely horrendous to deal with. No identify/theft support at all. " Security '' people don't actually talk to customers and they made the loan ( through Upstart ) but have zero support to assist in the fraud investigation. The documents I received say Upstart/XXXX on company letterhead, but they have no process in place for fraud support and can't even look up the loan ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This is XXXX XXXX, a consumer/natural person, I am submitting this complaint on my own behalf, there is no third party involved. I have noticed an account from LVNV funding which I do not recognize, nor do I owe the alleged debt. This account is ruining my character and it is causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This response that address the compliant file against the bank about overdraft consumer protection service that the bank offer to customer who sign up for the overdraft. we understand the fact that in your response but we sample not talk about the last XXXX month XXXX and XXXX of XXXX. we are talk about the last XXXX year that TD bank had pay all transaction on this account., those fact are not correct and not true and that what compliant about you know it and the bank. here are the fact TD bank paid the XXXX overdraft account if it was a dollar or a thousand of dollar. TD bank pay it. your response just talk about about XXXX month i, am talk about XXXX year that TD bank paid all item that came in and they was processed went there was not enough fund available. put the statement for the last XXXX year you will find the true in the last XXXX TD bank have rejecter all of my transaction.. the records will show you the true fact. it our believe that TD bank change there position on the overdraft protection for custom that have more transaction than three a day. i clear understand your response, but fact always win a case Litigation. the issue here is why? did TD bank state that some thing was pay went they was not as they said completed, they do not said they are incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank set myself and my significant other as " primary co-borrowers '', however I can not access the account as they say it is listed with his name first. I can not set up online access to the account, or billpay for electronic payment. they have already told me they reuse to change it unless I return the items I purchased and refinance them. 
They also have said it does not matter that when the account was created my significant other and myself both requested I be listed as primary. 
To make matters worse, this leaves me with only the option to wait for statements in the mail, of which they have informed me that the statement would be GENERATED on XX/XX/XXXX and would be DUE XX/XX/XXXX. and they can not guarantee mail delivery, and I should sign up for electronic delivery. I can not sign up for Electronic delivery because I am not recognized on the account since I am not listed first.

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 2021-11-16 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
nationstar and XXXX XXXX are in collusion with violating the DODD FRANK ACT AND FCRA 15 USC SECTION 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in a letter to update my personal information and i would like to delete all old information like my name and addresses.

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 2021-11-16 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:
I m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}

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 2021-11-16 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:
I m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2021 this was the 2nd time my Discover card come up missing due to break-in also I could not log-into the account. 
I call Discover and told them about the problem, -new password was set up Account Center Last XXXX # : XXXX Discover logo XXXX XXXX XXXX XXXX your temporary password for Discover.com has arrived Your temporary password is : XXXX phone number and address was verified also the charges on the account was verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi there, All 3 credit reporting companies- Equifax, XXXX and XXXX have inaccurate information reported. I received from the New York Civil Court Index - No : XXXX - Stipulation Discontinuing Action. I have sent copies of this court action to all 3 credit reporting companies -this is proof to remove the collections and negative items from my report. I have attached the letters and court documents for your review as well. 

I have sent written letters with supporting documentation to all 3 credit reporting companies. I have spent hours on the phone with customer service and I have also disputed online at each respective credit reporting site. And still no response, nor removal as per court mandated. 

This is beyond frustrating. I am trying to buy a car so I can transport my son to and from school. 

Items to be Removed from Credit Companies : ( Equifax, XXXX, XXXX ) : 1. XXXX XXXX 2. XXXX XXXX XXXX ( Collections ) 3. XXXXXXXX XXXX  XXXX XXXX ) Please help! Can you contact the 3 credit reporting companies and request that these items be removed from my report, asap? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma did not send me a email letting me know that they locked my account. I had decline transactions which was weird because I have money in the account. I called they said its locked because they need to verify me. They requested my bank statement from my other bank account and ID. I provided the details they needed to verify me on XX/XX/2021. Its now XX/XX/2021 and XXXX still getting the run the run around about my money that I worked hard for. Then they told me when my check come it will reverse back to my job. But my check was deposited and doesnt show in my available balance my money prior to my check deposit suppose to {$810.00} and with the check that said it was deposited in the XXXX in to the account amount is {$790.00} all together the total amount should be {$1600.00} and it doesnt sh that. Then I kept asking how long because I have bills to pay and theres has yet to be resolution. They said once I sent in documents it will be resolved and it has yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: PA

Complaint narrative:
To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at.

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 2021-11-16 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: HUNTINGTON NATIONAL BANK, THE
State: AR

Complaint narrative:
XXXX and XXXX XXXX are in collusion with violating the DODD FRANK ACT AND FCRA 15 USC SECTION 1681g.

Company response to consumer: Closed with explanation