vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
I have never had an account with XXXX or XXXX XXXX. The only thing I have ever had with them was a free trial that was cancelled in XXXX of 2020. They continued to try to charge me father the three day trial and after their gyms were closed. I do not and will not ever owe a balance to them and will never pay a balance that they say is owed. 

I do not care if I have to escalate this to highest of courts but they will not get any money out of me in an attempt to collect a false debt. I have not and will not ever pay Aldous and Associates as this is a false debt that I have expressed many times. I dont know if XXXX participated in Identity Theft but this is highly illegal and there will be a cause of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
Horrible company, that do not take your money serious! 

I have never ever send money with XXXX XXXX ( only recieved ) One day i see my money on my bank account is gone. 

There was several Charges, from XXXX, to XXXX and XXXX. I DID NOT USE ANY OF THESE MONEY, I LOST THOSE MONEY DUE TO USAA! 

I had for a long period of time a girl living with me. Her name is XXXX XXXX. 
On XXXX transfers, you can see her name on my bank statement ( XXXX XXXX XXXX XXXX. 

So i assumed she had something to do with it. I trusted her she was good friend, but what i didn't know was her history as Fraud specialist. She have seen my card numbers several times, due to my wallet always laying around. She had access to my phone, since i trusted her.

She have over several months transferred and use my card numbers to XXXX rides and cash app. Not only one time, but many time over 3-4 months. When i checking her background on XXXX XXXX, i see that she have several charges regarding fraud. 

So i would like to know, who i can contact from XXXX XXXX that can confirm it was me, sitting behind the screen and made a money transfer? Or do they have XXXX footage they can check and see who was at the store and send the money? I would like a copy of their rapport. Because it was not me, who did it for sure. 

It's not fair that you gon na shut down my account over something i didnt do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NJ

Complaint narrative:
Website has been down for days. Phone does not work. Previously the line picked up and there was no sound. Now the phone message that comes when calling says they are experiencing a phone outage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 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: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I can not get ahold of anyone at Comenity Bank who is owned by bread financial. They refuse to tell anyone what is happening. They wont answer direct questions. Phone lines are down. You can not login online. You can not make payments. I had fraud on my account and they sent me a new card and I can not activate my new card. I cant even get an update on the fraud case. All my points are showing as gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX US Bank National Association has committed and is solely responsible for multiple violations of the FDCPA. Attached is material documentation to support my statements below : 1 ) I have no contractual agreement or loan account with US Bank 2 ) I owe US Bank no monies. 
3 ) US Bank paid " no value '' for anything they presume legal rights to claim that I am in possession.

3 ) From XX/XX/XXXX to XX/XX/XXXX US Bank has sent, by USPS, documents/communications directly to me misrepresenting a " debt '', offers to modify that debt, then consistently " XXXX '' me when I respond to their offers. 
4 ) In XX/XX/XXXX, I was informed by a US Bank representative via telephone that the " account is closed '' when I called about technical difficulties that occurred for several days when I tried look up the account online.

5 ) 60 Days allotted to US Bank to respond to any complaints they receive from me is NOT acceptable and is another stonewalling tactic on US Bank 's part to plan another " escape '' from answering these direct allegations. 

US Bank National Association 's repeated Violations of the FDCPA 1 ) Attempts to seize property for a non-existent debt 2 ) Attempts to collect debt not owed by material misrepresentations 3 ) Attempts to seize property to steal the equity therein 4 ) Contempt of Court by failure to obey a XXXX Federal Court Order for a Mortgage Modification Mediation to validate the debt and modify it. 
5 ) Violation of XXXX XXXX Bankruptcy XXXX in XX/XX/XXXX. In XX/XX/XXXX, US Bank allowed employees attorneys of a law firm to file a personal injury lawsuit to collect foor a " non-existent '' loss for a bankruptcy XXXX non-existent debt. 
6 ) Written notification about debt - I have bbeen disputing this in writing since XX/XX/XXXX. 
7 ) False statements or representation ( trying to collect any amount ) 8 ) Took negative action by legal action abusing State Court Judicial officers and procedures.

9 ) Threatened t seize property by getting a State Court Judge to set a sale date of my property for XX/XX/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 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently was accepted to a job that was labelled as a XXXX XXXX XXXXXXXX at XXXX XXXX XXXX. However, on XX/XX/XXXX, as part of my onboarding process to buy office equipment for the job I sent a payment of {$1300.00} to XXXX through XXXX. On XX/XX/XXXX I sent {$700.00} according to instructions. I was scammed, because I was told that she was a vendor. Moreover, it turned out that the people who were " helping '' me through the onboarding process, were illegitimate imposters who were impersonating the legitimate company, XXXX XXXX XXXX. These impersonators have now received {$2000.00} from my bank account, and I obviously did not receive any office equipment. I can not receive a refund through XXXX because the transactions were authorized. I called my bank multiple times to try to resolve it, but they have determined that no action will be taken. I filled reports on XXXX about the fraudulent scam I got attacked by, but I haven't found any method of recourse. {$2000.00} is a big deal for me right now because I am trying to get through college and pay my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
I have an XXXX credit card that is managed by Comenity bank. I have been trying for over a week to make a payment to them however there has been outage or cyber attack and I can not log into my account to make a payment. Their phone systems are down too. My payment is going to be late and will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
SSA wasn't supposed to report I had a waiver stating they wouldn't report to credit company. They reported it in 2020 when I finally got back on SSDI.I only had to dispute it once with other credit report they removed almost immediately. But, experian it has been over 7months now.I 've been in touch with SSA at first they said they couldn't find waiver but then they found in my old file. They said they was gon na get in touch with experian and let them know to remove it .just got done disputing it again they say it right .I am tired if going between these companies .I 'm trying to get a loan.to consolidate my bills .my scoreisl

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 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX back in 2019 because I was going through the worse time of my life with my XXXX  where I thought something was XXXX XXXX XXXX XXXX  and come to find out nothing was stuck the doctor just looked in my mouth with a flash light and I was told nothing was there and my visit was over and here it is 3 years later I have a collection on my credit report from them because they billed my insurance for a procedure that was not done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: HI

Complaint narrative:
Don't ever use Chime. They steal your money and do not offer any protection. 

I had a roommate and friend name XXXX XXXX for several months. She have history of fraud. She also had acces to my room, where my wallet most typical was plus my phone. 

I saw several charges of XXXX dollars, that i couldn't really remember anything about it. 
I had my card and my phone. But my phone very often went missing for hours, so did my wallet. 

So i later found out, that XXXX took my phone and wallet and use my card as pleased. I know kicked her out and trying to get XXXX dolalrs back from XXXX and XXXX dollars from Chime. I have attached court paperwork in this complaint to prove my point. 

I did not use the XXXX dollars or the money on my credit card, she did. But chime dont care and say they know it better than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXXXXXX XXXX  - Account # XXXX 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 non-monetary relief
Consumer complaint received 2022-07-02 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity bank has had its payment system down since at least XX/XX/2022. I have attempted to make a payment regarding my XXXX 's Mastercard I have with this bank on multiple occasions since this date. They have a new easypay system that does not work and and you get a " Page Not Found '' error and to contact customer service. When attempting to contact customer service, via phone, you get another message that they are " experiencing a phone outage and can make an online payment at comenity.net/easypay. '' Yet going back to my previous statement this system is not working. 

Consumers are unsure if their data has been breached or when this issue will be fixed. The company keep posting the same message via XXXX, not emailing actual consumers of the ongoing issues. If someone does not have XXXX they would not know what was going on. 

They did post that late fees would we waived for people whose payment were due from XXXX XXXX XXXX and that inability to make a payment will not effect credit scores, via XXXX. I certainly hope that this companies lack of responsibility to its customers truly does not effect my credit score and effect my ability to buy a home in the coming months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: MA

Complaint narrative:
This Complaint is to Experian Credit Bureau I have been disputing multiple Fraudulent Accounts on my file back in XX/XX/2022. 
Experian keeps sending the same generic responses as " This account has been verified '' as accurate Experian has sent me copies of my credit report and also have mailed me statements. 

a Copy of a Statement is NOT proof that an account has been verified and any Automated response or e-Oscar verification is unacceptable. I know these accounts are fraudulent and do not belong to me so I requested Experian to let me know their Method of Verification that these accounts are valid. I requested the name, address phone number of each person contacted regarding these accounts. I requested a copy of any document with my signature proving that I am obligated to pay the exact amount owed. After months and months of going back and forth with Experian they still have not provided any proof nor documentation and still keep responding with the same generic response " Account Verified ''. They have failed to provide their Method of Verification nor provide any documentation proving these accounts belong to me. 

I also made a police report out and submitted a copy to Experian. I've spoken to them over the phone and they said because I submitted a police report their fraud department put a security freeze and fraud Alert on my file But they STILL continue to report these Items as Verified! This makes absolutely no sense Below is a snippet of XXXX of the dispute I've sent This letter is in response to your recent claim that XXXX XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification

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 2022-07-02 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: NJ

Complaint narrative:
There were unauthorized withdrawals made from my twXXXX checking accounts XXXX totalling XXXX dollars. I was at XXXX at the time with my debit card and the withdrawals were in the XXXX. After receiving an email from chase regarding fraudulent activity on XX/XX/XXXX I called and filled claims. Temporary credits were made to my account but later on XX/XX/XXXX and XXXX chase took back the credits. I explained that I was not in the US at the time of the withdrawals and transactions I did at the airport and hotel proved it but i still lost the claims bc my pin was used for the withdrawals. I would like a thorough investigation of this matter bc im sure that this also happened to other individuals who used the ATM machines at chase XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 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: GA

Complaint narrative:
I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Camp ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account XXXX : XXXX, 11. Account Name : XXXX XXXX Bankruptcy Account 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 2022-07-02 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: GA

Complaint narrative:
I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Camp ; XXXX, XXXX, XXXX, 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 2022-07-02 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: GA

Complaint narrative:
I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX, 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 2022-07-02 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: GA

Complaint narrative:
The financial institutions below continue to violate my right to privacy. I have disputed this information with Transunion, XXXX, and XXXX, and have not received a response. I also filed a FTC identity theft complaint, as well as a complaint with you, the Consumer Financial Protection Bureau, -whom has successfully transmitted my complaint electronically to Transunion XXXX XXXX, and XXXX XXXX It has been more than four ( 4 ) days and the information is still reporting, and has not been blocked per 15 U.S. Code 1681c2. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
According to my XXXX Report the collection was open XXXX XXXX in the amount of {$1400.00} Source receivables Mng. The original creditor is XXXX. My identity was stolen and it prompted me to add an extra layer of protection on my credit file such as fraud alerts. Once I realized I contacted XXXX and also put in a fraud dispute for this collection.

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