vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Well my wife started a new job with usaa banking in XXXX well she find out that they offer a lot of different services because we are in the processing of fixing our credit. She opened up an banking account with usaa banking and decided that I do the same. As we call them together I was unable to open up and banking account because a banking account was already opened up in my name. Back in XXXX when I was incarcerated at the time. I let them know that I was unaware of that account and that I never even heard of usaa banking until my wife started working there in XXXX when she was trying to get me to open up a saving account with them. They rushed me to the fraud department as I was asked so many questions. I believe i made that phone call in XXXX I wont to say the XXXX. I was told to call back but every time I called back Im being hung up on or transfer to someone that cant help me. I was told to call back to check up on the status of the investigation. But no luck I called back about the XXXX right after XXXX to only be told that someone will be in contact with me. Well I was able to access the account because they had added my phone number to the account instead of closing the account and I was able to reset the pin to get into the account. The information I got out the account was the person stayed in XXXX Pa address XXXX XXXX XXXX XXXX PA XXXX they even created a email For me XXXX they telephone number XXXX and they had one number in my ssN that was missing and Im lost to how they were even allowed to opened up an account without a full ssN. Previous before all this had happened I had some misspelled names on my credit that I had taken off. After I reported to usaa that this was not me. It all of a sudden pop up on my credit. I also have another bank account that was opened in my name at XXXX XXXXXXXX XXXX and its now on my credit before it wasnt. Also outrages medical bills that I dont recognize because I always had insurance with my job or through my wife job. I need to know how I go about this and how do I bring charges forth because I do wont to press charges for identity theft

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TX

Complaint narrative:
I have tried many times to get my information corrected and still unsuccessful. This company is reporting my name wrong which I believe is creating items to be on my report that are not mine. My name should be XXXX XXXX XXXX. I have submitted my forms of identification which prove my identity and have also attached them here. Also, I have sent disputes via certified mail and attached the proof! Last, the following accounts have not been investigated to be removed or corrected. Once again here are the items I am still disputing with no proper investigation. 

XXXX - XXXX I am requesting investigation of the comments, account balance, and high balance. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX - XXXX Review if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX  - XXXX Take off the late things from this account because I believe I made my payment on time. 

XXXX XXXX - XXXX Please remove the late things from this account because I believe I made my payment on time. 

XXXX  XXXX - XXXX I am requesting investigation of the account name, high balance, and account number. I believe this information may be inaccurate. I need this item removed NOW. 

XXXX - XXXX The late history shouldn't be showing lates because I feel I paid on time. Please remove the late payments from this account. 

XXXX - XXXX Please take into account status date, opening date and last activity date because it doesn't seem accurate. Please review and remove this account for the mistakes. 

XXXX XXXX XXXXXXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CO

Complaint narrative:
I recently applied for a mortgage, and as part of that process my bank ( XXXX XXXX XXXX ) checked my credit with Experian. After that I started receiving about 5 calls a day from mortgage companies I never contacted. I engaged with a couple and all of them told my they were sold my name, phone number, and address by Experian as a lead. I never consented to Experian sharing my information. Some of them were predatory with suggestions that I had filled out an application with them.

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 2022-01-05 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: AR

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
So, currently I have a PayPal business account, and with it a PayPal Business Debit XXXX. This debit card is subject to a daily limit of {$400.00} for things like cash advances, atm withdrawals, etc. In addition to this, I have a XXXX XXXX account, and with it a XXXX XXXX Debit Card. This debit card is also subject to similar limits, but its limit is {$1000.00}. Now, I am trying to move funds from PayPal to XXXX XXXX, I attempt to add money to XXXX XXXX with the PayPal Debit card, but I want to move more than the {$400.00} limit so its unable to complete. So I go to PayPal and I attempt to transfer the funds to the XXXX XXXX debit card, and again it declines. Confused, as I was attempting less than the {$1000.00} limit the XXXX XXXX card is subject to, I call PayPal customer service. I am then told, once by a representative and again by their supervisor, that in PayPals system it is not able to distinguish a difference between an attempt to charge going through the paypal card versus an attempt to charge going through the XXXX XXXX card. They are apparently identical charge codes, thus the system things any charge going through the XXXX XXXX card is actually going through the paypal card, as of course they only recognize their own service, and is imposing the withdrawl limit of {$400.00} on it. After bringing up the fact that on this very website there is documentation stating that the card issuer is the one who can determine the limits a card is subject to and the fact that PayPal is not the card issuer I was told there was nothing more that could be done and that I was free to report them to you. So, heres me doing that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: U.S. BANCORP
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( US BK 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 2022-01-05 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: DISCOVER BANK
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Due to COVID impact on my family I missed my car payment. The following representives contacted me via email : XXXX XXXX and XXXX XXXX. This resulting in me signing an agreement/payment plan to help me get back on track with my payments. I made the payments as explained to me via phone from XXXX XXXX. Later on that year XX/XX/2021 I received a 30day late. I contacted Consumer Portfolio Services. INC on and asked why did I receive a 30 day after paying the agreement offered? XXXX XXXX XXXX stated that I did not pay as stated in the agreement. This was not true I had proof of my payments and asked XXXX for a copy of the agreement I signed because it was signed online and I did not receive a hard copy or email copy of the agreement. This was XX/XX/2021 and the company Consumer Portfolio Service still hasnt mailed or emailed me a copy of the agreement. XXXX stated that all calls are recorded, I asked to speak to XXXX supervisor and asked if I could hear the recording that stated the details and payments dates of my agreement. The supervisor denied my request to listed to the recording. I believe because the recording will reveal that XXXX was verbally not kind to me and it would reveal that I made my next payment on the correct date XXXX told me to pay it on and should not have received a 30 day late. The company is not working with me. Will not provide me with a copy of the agreement, they refuse to take the 30 day late off. I have disputed this 30day late with all three major credit reporting agencies. I have had no 30 day lates over the lifespan of the loan. The most I could get from the Trade credit department was that my payment was due XX/XX/XXXX, and XX/XX/XXXX no payment was made. XX/XX/XXXX they reported me 30 days late and XX/XX/XXXX was my request for an extension. This all makes no sense and this was stated to me verbally. Without the agreement I signed online I have not way of disputing this incorrect report. They basically stated that my payment was received on the last business day of the month which was XX/XX/XXXX. I hope someone can help me with my case, I a being taken advantage of because I do not have access to the agreement the created. Consumer Portfolio Service. Inc. Does not support its consumers and treated me like a non paying consumer because my family was impacted by COVID. I know we all lack understanding about how hard it is when it hits your family but that is no reason not to work with you consumers. I have no 30 day lates. Please help me get this 30 day late removed it is incorrect. I refinanced my car loan because I do not want to pay a company that does not support their consumer and treats them bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently got married and created a joint bank account with my wife in person at this branch. We deposited our wedding checks in person at this location. One-third of our checks were flagged for " fraud '' for absolutely no given reason. Our account was closed before we were made aware of this. Chase then asked to contact the check makers to verify the checks. Chase then said that some of the phone numbers providers were not valid ( they would never tell me why they weren't ), or they would call my friends and family members and speak with them three times, to the point they felt they were being harassed. We decided to open a new account with Chase since we were told Chase would clear our checks. Here we are two months later, and our account was closed again. I've asked repeatedly for my situation to be reviewed by a branch manager, regional manager, district manager, fraud manager, etc. Most recently, I was told, " it looks like there is nothing more happening with your case. I don't see that any new actions have been performed since we last communicated ''. Honestly, this is fraud by Chase for them not releasing my funds. It's approaching 75 days and they still have several thousand dollars that they're refusing to release the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: NJ

Complaint narrative:
On the XXXX of XXXX I consumer XXXX wrote a letter to company Amerassist AR Solutions to validate an alleged debt of {$1300.00} that appeared on my all my consumer reports certified mail via USPS on tracking number XXXX XXXX XXXX XXXX XXXX. The company replied with a copy of a contract from XXXX. First, I'd like to know who gave XXXX the permission to share sensitive information with a third party company like Amerassist? Under what law did company Amerassist gain the right to collect on this alleged debt? Where are the validation information requested pursuant to 15 USC 1692g per my request over two months ago? In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I have attached the letter sent to Amerassist over 60 days ago on USPS tracking number XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX & XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} and {$54.00}. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. On XX/XX/XXXX when my husband logged into chase.com to pay the credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. We then called chase at ( XXXX ) XXXX and opened a case. I was told to call back to get the status after a few days. On XX/XX/XXXX my husband was told his case was won and I too should have a similar outcome. On XX/XX/XXXX, he received a letter stating that his request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. Case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2022-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2022-01-05 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: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX ( Finance ) 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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation