vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received mail from this company, Navy Federal Credit Union, telling me I made deposits to this bank, I have been with the same bank for many years, it's the only bank account I have. I never even heard of this bank. I am being scammed and harassed by this company, I have mail they have sent me, I called them to tell them they have the wrong person, I'm XXXX XXXX XXXX on a fixed budget, I would please like an investigation on how they have my name and address, I would like to file a law suit. also, I intend to write to our Attorney Generals ' office XXXX XXXX XXXX I will not stand for being scammed by this company! I also want to have them investigated by the FCC and Consumer affairs, can you please advise me as to who else I can contact to have them investigated, I appreciate all the help. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I called my mortgage company over six months ago which is freedom mortgage and asked them to drop my mortgage insurance since houses on my street were selling for almost {$150000.00} over my initial loan amount. They said that the mortgage insurance was based on the amount that the house was initially paid for and could not get rid of the mortgage insurance

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 2021-11-14 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: LA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer and natural person have been violated by EQUIFAX for furnishing inaccurate and unfair information which is ruining my character, reputation and mode of living. I was notified of this transgression of my rights specifically 15 usc 1681- The Fair Credit Reporting Act. I as a natural person have a right to privacy and was harmed by EQUIFAX furnishing an inaccurate account and unfair information to my consumer report. Your inaccurate reporting is of no value to me. According to 12 cfr 1022 a furnisher must have reasonable policies and procedures concerning the accuracy and integrity of furnished information. For violating my consumer 's right to privacy and furnishing inaccurate/unfair information you are liable up to {$1000.00} for civil damages pursuant 15 usc 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i made a purchase for a very speicfic type of office charge overseas, they were to make it from top to bottom brandnew with the customer specific requests made to the chair. i was told the timelime to make it and ship it will take up to 3 months before i received the item. its been 3 month and not only have i not received it but i can not reach the seller whatsoever. unfortuantely my bank only offer XXXX purchase protection and now that its past them wont refund the money under the reason of not received item,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: IL

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-11-14 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr XXXX ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was overcharged for an XXXX transaction back in XX/XX/2021. I worked it out with XXXX and had received my refund. However, chase bank wrongly went into my account and reversed this refund that I am still owed. I never received my refund from this transaction because chase bank went into my account and stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Checkr, Inc
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// I did not knowingly and willfully consent to enter into any consumer transaction with CHECKR , INC willfully violating the FCRA. Without my direct written consent CHECKR , INC have used credit card as defined under 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ) my social security number, Drivers license, license plate for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) /////// Pursuant to 15 USC 1681 ( a ) ( 4 ) CHECKR , INC need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CHECKR , INC in multiple counts.///// Pursuant to 15 USC 1681b ( a ) ( 2 ) CHECKR , INC may NOT furnish negative information to my consumer credit report without with my written instruction. CHECKR , INC willfully, knowingly and intentionally violates my consumers right, by reporting negative information to my consumer credit report, without my written instruction or consent. I'm being denied job opportunities and credit due to CHECKR , INC violating the Fair Credit Reporting Act, so be it. ////// Pursuant to 15 USC 1681s-2 ( 7 ) ( A ) ( i ) CHECKR , INC shall provide the consumer with a `` Notice of negative information '' in writing to the consumer prior to or no later than 30 days after furnishing the negative information pursuant to 15 USC 1681s-2 ( 7 ) ( B ). I did not receive such notice and thus CHECKR , INC is in violation of 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ) ////// NOTICE OF CEASE AND DESIST : Pursuant to 15 USC 1692c ( c ), Im demanding that CHECKR , INC cease all further communication and all your collection efforts are being terminated.///// Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I hereby rescind the consumer transaction granting any interest directly and indirectly to CHECKR , INC //// THEY NEED TO REMOVE AND DELETE ALL NEGATIVE REPORT IMMEDIATELY from my consumer report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n. /////

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
Nissan Motor Acceptance refuses to remove this fraudulent account from my credit reportI have been a victim of fraud and identity theft and the account needs to be deleted from my reportIve sent numerous letter to have the information removed but they continue to verify that the fraudulent account belongs to meThey can not produce a contract with a wet ink signature to prove there was a mutual agreement between two or more partiesThis account is ruining my reputation as a consumer and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
Contract Callers - Tel : ( XXXX ) XXXX This company is listed on my credit report claiming to be a collection agency for XXXX. However, I pay XXXX directly. Not through and outsourced agency. 

I would like them to remove their negative remarks from all of my credit reports through each credit bureau, and issue a formal apology for the continued garnishment of my credit rating and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: DE

Complaint narrative:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: FL

Complaint narrative:
XXXX XXXX XXXX ran my credit report for the same application twice and did not give me the credit and did not remove it from my credit report. 

XXXX XXXX XXXX ran my report without my consent. I was only inquiring about the checking account. 

I would like to have these three inquiries removed from my reports. 

Thanks you. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/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 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
Collection from XXXX  on a account I didnt sign or start. Its on my credit report as a collection from Diversified Adjustment. I filled a police report for identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company is portfolio recovery I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. This letter will also serve as a notice to not utilize my phone records, or mailing address. If any negative information is placed on my credit bureau reports by your agency after this receipt this will cause me to file a suit against you and your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called Bank of America inquiring about money owed to me. There was a balance overpaid on my credit card. Due to the archaic accounting system implemented by Bank of America. 

Because of this system I called in to close my credit card, probably about two weeks prior to XX/XX/XXXX, the exact date, I am unsure. The customer service representative stated that I was owed XXXX cents. 

When I called back on XX/XX/XXXX I was told I was only owed XXXX dollars. In which I have not received either of them. I have requested that Bank of America review my calls and tell me what is going on. Yesterday I received a check for {$56.00} which is nowhere close to the amount that is owed to me. 

I am not sure what is going on with Bank of America and it seems as though the overseas outsourced customer service representatives have no idea how to help me nor give me the correct information. 

I am formally requesting that Bank of America disclose the following to me along with the correct payments. 
1. Refund amount of my XXXX  XXXX XXXX XXXX annual fee.

2. The over payment amount that was made to the business card.

Please send these two checks to me along with a letter stating what they are for. Receiving random checks in the mail from Bank of America does not explain anything. Any other previous checks have not been cashed and can be cancelled so that the correct amounts are disclosed and issued to me. 

Bank of America has removed my XXXX  XXXX XXXX XXXX from my online account so I am unable to verify amounts or statements.

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 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: DE

Complaint narrative:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX, XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation