vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: WA

Complaint narrative:
My husband and I noticed that our bills where not being paid also late fees were doubled and there was a shadow account charging our account we had XXXX that was deposited into our account, this was money awarded to my husband from the VA, we tried to square things out with Key Bank but they refused to help us and even called the police on us. Moreover, we are fed up there was XXXX dollars the bank allowed someone to withdraw from our account. In ending, when we tried the go over our account with the bank they simply avoided us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Paypal Holdings, Inc

Complaint narrative:
my paypal account was limited without any reason it was happen on XX/XX/2021 and its XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CAINE & WEINER COMPANY, INC.
State: NM

Complaint narrative:
I began receiving collection notices from CAINE AND WIENER ( C & W ) via email around XX/XX/XXXX stating that I owed money to its client XXXX  ( auto insurance ) in the amount of {$400.00}. I contacted C & W directly to inform them that this account was not opened by me and that I had no knowledge of it at all. They suggested that i call XXXX directly to investigate furthed which i then did with no avail! I disputed the collection account SEVERAL times claiming ths same thing - That the account was not mine mor did i have any knowledge of the account, however all my dispute claims where said to have been investigated and found as accurate. This incorrect collection account has not only caused extensive damage to my credit report ( because it is very thin making a negative account very damaging ) but has also cost several hours of my time and has even prevented me from finding better housing opportunities for my family and I. If this company would ACTUALLY investigate these dispute claims they would know that this account IS NOT MINE because I havent owed a vehicle ( let alone needed insurance services ) since XXXX of XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was hacked on cashapp via email. my PIN was changed and almost XXXX $ was stolen from my bank account. this happened back in XXXX XXXX i have went through all the steps, sent pictures, screen shots, proven my identity, and also have had to submit the same information 3x already and as soon as i send all the requested information, cashapp responds that they are working on it then i get another email stating my case is closed. the 1st investigation they did was founded in my favor and yet i have to submit and do the entire thing all over again. i want to make this complain on the grounds that cashapp with not follow through with my case and will not return my money that was proven to be stolen by them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed again these inquiries for accounts I never requested to open. These are fraudulent and the first investigation for my complaint was a failure. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank refuses to state they will not process a Authorized Transaction. They generate a XXXX which states I refused to authorize. The transition never reaches the-bank from the clearing house so they never see it and the vendor is denied payment. I am charged fees and sufferer threats repossession and worse. This is all predicated on their Stop Payment system which in my opinion is broken! I m forced to pay with Debit~ORIG CO NAME : XXXX XXXX XXXX  XXXX XXXX : PAYMENTS SEC : XXXX XXXX XXXX ACH debit {$260.00} This bank absolutely refuses to assist although XXXX has investigated through them and the clearing house and the XXXX is a igit error generated by Chase. Opinion incapability at its max!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
According to 15 usc 1692, I am the consumer and I am not obligated to any alleged debt. The furnisher can not validate debt with out my consent according to 15 usc 1692j. In your investigation you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 usc 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to removed All accounts from my consumer report. I did not give you written consent to report on my consumer report according to 15 usc1681 ( b ) ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First of all, there is no statue of limitations when it come to consumer fraud. In the contract you can clearly see that I was charged a finance charge of XXXX according to 15 usc 1605 states that the finance charge is the sum of ALL charges. My consumer fights was violated. Secondly insurance is supposed to be included in the finance charge. my consumer right was violated. Third, when a finance charge is involved, There is no down payment ( no cash transaction ) in a consumer credit transaction, I paid XXXX.my consumer right was violated. Last of all, as far as debt validation and federal law I am a natural person and I am not obligated to any alleged debt according to 18 usc 8. Dispite the federal law, wells Fargo continued to collect on this debt and repossessed my vehicle and dramatically damaged my credit score which had a huge impact on my life. Wells Fargo is Criminally Liable 15 usc 1606 and I will need full remedy for violating my consumer rights pursuant to 1692k.

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 2021-06-30 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express issued a business credit card to my business. However after I was unable to pay the bills b/c the business flopped. Amex proceeded to sue me in court peronsally and hold me liable under a joint and several clause they put in the contract. I think this is a decieving move, and since I used an LLC I was sheilded from business debts. However AMEX was allowed to sue me and win arbitration due to the contract clause. My question is how is AMEX allowed to extend credit to a consumer or an indvidial without the proper UCC disclosure about cosign on the credit application. I believe AMEX is using unfair tactics. They should be investigated and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Sequim Solutions constantly calls from different phone numbers. After advising them they had the wrong number they ramped up the calls. They call at least once every hour from a different number, will not say anything and hang up. These calls start at XXXX and will not end until after XXXX. Anytime I call the number back it will connect with Sequim Solutions but no one ever answers the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My identity was recently compromised and every credit agency except TransUnion was very helpful in getting this corrected. TransUnion wants to use combinations of phone calls and physical mail and even had me read my social security number to multiple people outside of the US in order to access my account. If TransUnion is going to be responsible for our personal data, TransUnion needs to develop a stronger security system without the use of paper to assist consumers in the digital age.

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 2021-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a credit monitoring service with experian. I recently tried to dispute balances on my two credit card accounts, I have used my XXXX  credit card and have a XXXX balance but their report says XXXX balance and they lowered my credit score as a result saying that I am not using this account I also have updated or paid the balance on my XXXX XXXX credit card ( from XXXX to XXXX ) when I try to dispute this on the online dispute site it says submission failed so blocking me from submitting my disputes. When I reached out to an agent they said my only option was to cancel my credit monitoring account with experian. I also paid off my entire mortgage balance after 10 years of exceptional payment history and experian lowered my credit score! I paid off a mortgage in 10 years time, that should be considered a good thing! I also reached out to experian about unauthorized charges to a XXXX XXXX account from a company called XXXX List  that resulted in late payment reports on my credit account. After disputing this with the company they agreed to take these off as the charges were unbeknownst to me but experian still has not removed them. Experian is preventing me from submitting disputes about updating credit card balances, lowering my credit score when I pay off something huge, and not taking action on disputes about unauthorized charges. I had exceptional credit before I signed up for credit monitoring with them and now my credit is in the fair range. This is not fair to me and my payment history reflects a lot higher score than what experian is reporting. This need to be fixed as it is illegal to block consumers from disputing items on their credit 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 explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
I have explained to several people at TransUnion that this account for XXXX account number XXXX does not belong to me. I keep explaining and speaking to people off shores each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report with the account number as they requested.

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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to Community Loan Services and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. 

Get proof the loan exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MHY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I had a vehicle that I purchased XXXX XXXX financed through XXXX XXXX. The vehicle was stolen in XXXX of 2016. I did file with my insurance company. Insurance paid some but left a balance. XXXX XXXX wanted insurance to pay an amount that was much higher on a XXXX XXXX XXXX vehicle as if it was brand new, insurance company refused.Insurance company sent them a check for what the vehicle was worth at the particular time. XXXX XXXX then sold the account to Ncb Management Services. After sometime I noticed Ncb Management Services had not only added this debt to my credit report but also listed HOME FORECLOSURE as well. I have not ever had a mortgage. I have contacted them about this and they will repeatedly avoid discussing the issue / or will advise me that it was not them that listed the foreclosure on my XXXX Credit Report. Listed on my credit report following the debt has Ncb Management Services as the furnisher of information regarding this FORECLOSURE. I have called to correct this several times and they will avoid me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
I have explained to several people at Equifax that this account for XXXX XXXX XXXXXXXX does not belong to me. I keep explaining and speaking to people off shore each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report as they requested.

Company response to consumer: Closed with explanation