vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnionFraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I entered in a consumer credit transaction with JPMorgan Chase Bank in XXXX of 2015. 

I have been making payments over the past five and a half years ONLY because JPMorgan Chase Bank failed to adhere to 15 USC 1692g. ( a ) and send me a written notice within the first five days following initial communication, stating that I had the option and RIGHT, as a protected consumer, to dispute the validity of the alleged debt. 

Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt, shall not be construed as an admission of liability.

To add insult to injury, despite collecting payments and interest over the past five and a half years over an alleged debt, JPMorgan Chase Bank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, JPMorgan Chase Bank never notified me of my option to opt out from the reporting process or gave instruction on how to do so thus further disregarding and violating my rights. 

All of this to say that the alleged debt was never mine to cover much less be defamed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TN

Complaint narrative:
information being reported on my consumer report that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TN

Complaint narrative:
information being reported on my consumer report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Somehow I was signed up for a Transunion {$24.00} service, billed to my credit card. I do not remember signing up for this. 

I attempted to cancel this subscription and after repeated calls to customer service, I was unable to -- I kept being transferred to different departments ; some departments said I do not even have an account, so they could not cancel an account that does not exist, and others said I signed up for something and should take responsibility and pay for it. After wasting a lot of time, I decided to give up and dispute the charge with my credit card issuer. 

Fortunately, this charge was reversed. For good measure, I reported that credit card lost/stolen to get a new card so Transunion would be left in the dark and would get lost. 

However, even after doing this, a month later, I saw the same charge appear ( same credit card account, different number, different 3 number security code, different expiration date ) as a transaction. I have no idea how Transunion got my new credit card number, and I have no idea how to contact them to cancel my subscription, given my past experience ( nor do I want to spend the time doing this again ). I did try to see what " service '' I was billed for -- When I go onto Transunion 's website to try and access this {$24.00} service, I am unable to log into an account, even when " recovering '' the account with my social security number, birthdate, and last name. 

To recap : I received a {$24.00} charge a month ago for a service I am almost certain I did not sign up for. I have spent an inordinate amount of time trying to " cancel '' this service, to no avail. My credit card company was luckily able to handle this through the dispute process. However, even after going through the steps of getting a new credit card ( and changing the billing information for everything that was paid through this card, an arduous process ), they were still able to bill me for this phantom " service '' a month later. 

These charges are at best an honest mistake, at worst criminal. Transunion wasting my time is purely criminal.

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 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Back on XX/XX/2020 someone tried to transfer money from my bank account to my Paypal account ( to then transfer to themselves, no doubt ). They also changed the language on my account to XXXX. I did all the protection features but I can now see that someone has made my account a business account, added their name ( XXXX XXXX XXXX as a business name, added their phone numbers, address, social security numbers and Tax FEIN to my account and they aren't mine or associated with me in any way. Getting through to Paypal is near impossible to get help and I don't know what law enforcement agency to report this to either. These steps have prevented any financial loss but I want to protect my credit and information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I requested XXXX XXXX to freeze my credit report last year and still I'm being denied to freeze my report and also I've submitted my ID and Social by certified mail. I'm requesting this account to put on freeze. I don't want my information opened to the public

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 2021-02-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

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 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I called Sequium Assets and spoke to them about resolving the {$59.00} balance owed to I believe XXXX XXXX which Sequium Assets claimed was {$140.00}. I told them I would call the cable company and pay them and after account has been paid I want this removed off of my credit report. They assured me they would remove it, 2 months later it's still on my report showing unpaid. When I call they assure me they will remove it but they don't. I'm trying to finance a vehicle and I need this off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
DEBT COLLECTOR COMPANY SHOWED UP ON MY CREDIT REPORT CONTACTED ME AND USED UNFAIR PRACTICES TO COLLECT A PAYMENT FROM A ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had opened a Citi Bank business account in XXXX of 2020. I had made a deposit to open my account in starting XXXX XXXX from money I had saved. I had helped a childhood friend of mine who had applied for an SBA loan by allowing him to transfer his money to my account since he was in between business accounts and had applied for the loan during Covid to get back on track, once he had opened his new account I had transferred his money directly to his account and It was maybe a week later that Citi Bank froze my account and would not give a reason, they just told me that my account was under investigation. This was XX/XX/2020. 

I had called my branch business representative for help and he told me my money should be released within a week or so and then I received a letter from Citi stating they were closing my account permanently and would not give a reason but the letter said I should receive my funds in the account within 30-60 days. I had waited 60 days and nothing and then got back in touch with the business rep at Citi along with Business customer care and their Fraud department at which time they told me my account was frozen by SBA and that they were taking {$15000.00} from my friends loan back.

We both contacted SBA directly multiple times and it was verified that this was untrue and SBA did not freeze my account nor did they ask for my friends loan back yet Citi froze my money although my friends SBA loan money was long transferred to him and utilized for his business needs. I had made so many attempts to rectify this with Citi, all the while they were sending me Bank statements saying that my account was open with {$15000.00} in it until last week when I received a letter stating that my account had a XXXX balance and that Citi was now closing my account. 

My friend and I contacted SBA and they again verified that they did not take the money out of my account and did not initiate a fraud investigation in which Citi had seized my funds. They verified that my friends loan was in good standing and had even provided a date when his first payment is due. This is apparently Citi bank freezing my account even though I provided proof that my friend 's loan was valid and they now seized my funds for no reason. It is apparent Citi Bank is stealing my money and will not give me an explanation of where my Money is, they simply hang up the phone on me or usher me out of the branch telling me they will not discuss this again yet gave no explanation where my {$15000.00} is and SBA does not have it. I am XXXX years old and had saved my money for a longtime to be able to open XXXX XXXX  and they have hijacked my account without properly investigating or giving details on what and why my account was locked and where my money is now. Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self cancelled the loan. Self owes me {$27.00} for messing up my XXXX XXXX account. Self also needs to repay the {$500.00} it still already owes me. You have 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Lending is not honoring the COVID 19 relief HCS Loans had by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, Ally Lending required the account current to become current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID 19 RELIEF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
A Car dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I sold a home on XXXX XXXX. The mortgage was with PNC Bank they tell me the sent a check for the return of my escrow deposits for taxes and insurance on XXXX XXXX. Only problem is I have not received the refund what I have received is numerous mail from congratulating me for paying off the loan to my final escrow statement which was mailed to me on XXXX XXXX. They are giving me the run around as to why I have not yet received the check returning to me the escrow balance. I have called numerous times and can not get an answer for when to expect to receive my money back. PNC has made numerous promises of which non come to pass. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I called and asked if I could close the account I didnt open it but they said they would do and investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
They will not stop calling. Even after repeated times through out the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A Car  dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.

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 2021-02-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
A Car dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.

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 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I pulled my credit report from XXXX XXXX and XXXX XXXX and an unauthorized entry from National Credit Adjuster collecting on behalf of, XXXX XXXX in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. National Credit Adjusters has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX  and XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I pulled my credit report from XXXX, XXXX  and XXXX XXXX and an unauthorized entry from NATIONAL CREDIT SYSTEM. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2020. NATIONAL CREDIT SYSTEM has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation