vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XX/XX/2021 I signed up for a promotional offer on Southwest Airlines website whereby if I applied for a Chase XXXX XXXX and was approved and if I also spent {$12000.00} within a 12 month period, I would be awarded a XXXX rewards miles on Southwest Airlines. 

The card was approved and I have spent in excess of {$20000.00} over the past 8 months. Chase Bank is now telling me that they do not have a record of such an offer. I did not keep a copy of the original promotional offer. ( There is a similar promotional offer today from the same XXXX companies : XXXX miles if the card applicant spends {$5000.00} ). 

I have been able to find the attached XXXX article that talks about the XXXX miles offer from Southwest/Chase that expires on XX/XX/2021. 

I now feel cheated by Chase Bank. What is my recourse? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
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: AZ

Complaint narrative:
This is in regards to Comenity Bank 's XXXX XXXX card. Their entire system and call center is down. I cant log in, see a statement or pay my bill. Gives you errors. Its been days. I've tried calling but at first said it couldn't go through due to technical issues. Now it says their system is down and hangs up on you. 

All I can do is see what I owe in their Easy Pay link. But my balance is WAAAY too high at over XXXX (! ) Dollars. I cant freeze the card, I cant tell what eraneous charges were made, if I've been hacked or cancel the card because I'm completely locked out! 

Even if I wanted to pay this balance thats clearly wrong, I cant as the payment just pinwheels then errors out! 

Never have I ever gone through anything like this in my life with a cc company. This is beyond ridiculous!

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report

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: FL

Complaint narrative:
Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Moon Inc.
State: NY

Complaint narrative:
transaction ID XXXX with LibertyX amount {$1700.00} Bitcoin amount that was bough XXXX Date of transaction XX/XX/2022 XXXX US EST Wallet that scammers XXXX

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
I did the closing on XX/XX/2022 and the the APR is over 8 %. Because I am paying so much interest, I was trying to pay it off as fast as possible. In XX/XX/2022 I sent a certified bank check of {$140000.00} to be applied toward principal only. However they took the about {$8000.00} as the 5 % prepayment penalty and another % XXXX plus as fees the could explained. After multiple phone calls, they reverse it and brought my balance to {$31000.00}. 

I requested a pay-off quote in XXXX and they wanted to charge me about XXXX more as, again, unexplained fees. After multiple phone calls again the issued another pay-off quote of {$33.00}, plus on XX/XX/2022. I wired transfer the money to them on XX/XX/2022, more than a month before the expiration date, but they still don't want to bring my balance to XXXX. No body in the company can give me an explanation about why. PHH mortgage is a nightmare. I don't believe there is any worst company than This company. They are acting as an organized crime institution. Federal authorities have to get involved to save the consumers from those crooks.

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: 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:
There are inquiries on my credit report that I did NOT benefit from and that I did NOT authorize, they must be deleted. This constitutes as fraudulent activity due to the unauthorized use of my credit card ( social security number ). I have reached out numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about such issue and this will be the last time before seeking legal action. 

As I told You ( " EXPERIAN '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( " EXPERIAN '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I have demanded you ( " EXPERIAN '' ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. I've demanded you ( " EXPERIAN '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. 

In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " EXPERIAN '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent numerous of letters to Equifax. I have not received a response. They have not resolved my disputes. Equifax did not conduct a reasonable investigation of my dispute, modifying and correcting any found inaccurate information and removing the disputed items from my credit report within XXXX to 45 days after receiving notice. Equifax XXXX XXXX ( XXXX ) still reporting inaccurate Date of Last Activity and a past due balance on my credit report. It is against violations to continue to report inaccurate information and a past due balance on a charge-off debt. Also, previous addresses that do not associate with me. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. 

I have attached XXXX forms of id & all of the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank allowed someone to open an account in my name and address. I contacted them to report this account was fraudulent, after receiving a bank statement. I spoke with their fraud department, who assured me the account was being closed. However, I just received another bank statement from them for this fraudulent account. I will be personally driving to the closest bank branch to demand answers as to why this account was not closed. I have never had an account with this bank and never will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX XXXX a natural person that the illegal collection efforts of the said alleged debt/s has been terminated. 
Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.

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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Inaccurate and erroneous information reported on my credit account, and the credit companies arent complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX , a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX, XXXX XXXX XXXX that the illegal collection efforts of the said alleged debt/s has been terminated. Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account information, account status and personal information such as legal name, addressed, phone numbers, occupation are not all 100 % correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
some XXXX open several saving accounts in my name.they had my full name, address, phone number, and social security number.call company, XXXX, had them to close all XXXX accounts. we ask them to send to us paper work concerning this matter. i have not receive any papers yet.

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 — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inaccurate and erroneous information reported on my credit account, and the credit companies arent complying with their own policies in a timely manner.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate and erroneous information reported on my credit account, and the credit companies arent complying with their own policies in a timely manner.

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 — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
This complaint is in regards to Zelle... I honestly can not remember the exact date of the issue, but I used Zelle once about XXXX or XXXX years ago to send payment for financial services, but I was scammed. My bank handled the issue of retrieving the stolen funds, but every since then I have not been able to utilize Zelle as if I was scammer! For awhile I was trying to log into my account and I would receive error codes. But then I noticed I was receiving different error codes each time I tried to log in, so I ended up contacting Zelle, but they did not give me a reason why I was unable to log into my account. I have a business now and some of my customers use Zelle, also some of the vendors I utilize.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account information, account status and personal information such as legal name, addressed, phone numbers, occupation are not all 100 % correct.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account information, account status and personal information such as legal name, addressed, phone numbers, occupation are not all 100 % correct.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 a account without my written instructions 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Midland Credit Management sent me a letter saying I owe a debt and are harassing me with many phone calls, this is a complaint, they need to seize all communication with me, my place of work, or with family, they also need to validate this debt. I do not owe this company any money I have no contract with this company and haven't received any product or services from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
The company went out of business ( Easy Money ) they never tried to collect. But they put damaging items on my credit report. All Im asking is that whomever put it on there for the last XXXX please take it off!!!!

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 a account without my written instructions 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 a 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 a account without my written instructions 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 a 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