vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: PA

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 the 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
Consumer complaint received 2020-12-22 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:
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 the 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 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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
It has come to my attention that Vance & Huffman recovered a payment for a debt that I never owed.Vance & Huffman reported a collection account to my consumer credit file. I have learned that I do not owe this alleged debt. If Vance & Huffman had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Vance & Huffman collected. Vance & Huffman had no legal right to attempt to collect a debt as I never authorizedan account with XXXX XXXX. Vance & Huffman never validated this debt nor sent me a notice of collection. I have learned that Vance & huffman is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
Had a family separation which caused the income to decrease and fall behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I chatted and called Huntington to close my business checking account. I am currently visiting foreign countries, but they kept saying that I should visit a branch to close the account. I am not sure yet when I will be back in the U.S. I would like to close my account as soon as possible before any maintenance fee is charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is really % 100 fraud illegal Credit Reporting agency who blocked my credit report without my permission and not letting creditors checked my credit report. I optout to receipt credit card offers by mail but this fraud Equifax credit bureau opt in me to not receive any credit card offers in mail and locked my credit report also. This week I requested my credit card company to increase my credit limit but they said that because Equifax locked my credit report so they was unable to check my credit report and unable to give decision to me that they can increase my card credit limit or not. 

XXXX  or XXXX  didn't locked my credit report but this fraud Equifax Bureau locked my credit report themselves. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

After that also they did this again and without my permission, they locked my credit file and opt in. So I request CFPB to do something with Equifax so my credit report gon na be unlocked or I can receive credit offers by mail also. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
An extra XXXX dollar amount is reported on the card for a purchase I didn't make. 
It is a wells fargo based credit line from XXXX XXXX XXXX XXXX XXXX. 
Wells fargo did not respond. 
XXXX 's submitted something promising to call me back but I've heard nothing. 
I reported this on the XX/XX/XXXX when I received an email. 
It may be phishing, but it is irresponsible across the board and jeopardizes everyone.

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 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was opening old mail and found a letter from XXXX XXXX XXXX XXXX dated back to XX/XX/2020, informing me that I owe a debt. The creditor is PROVIDIAN BANK for {$470.00}. I do not recall any memory of that bank or the debt. Because I opened the letter on XX/XX/2020, I did not take any action but this claim. 

The following are parts of the letter : " This letter is to serve as our final correspondence for the account mentioned above which has been transferred and assigned to this office. '' " This payment is due in our office no later than XX/XX/2020 '' " Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. '' " Sincerely, XXXX XXXX Director of Operations ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 my Bank of America card was closed. I had {$3200.00} in my account when it was closed and my money was removed. I have tried endlessly to get this money back. I guess my account was flagged as fradulent. I have called AZ DES, emailed XXXX XXXX 's office, XXXX XXXX to no avail. I had a contact at DES who would actually call me back. Now I am afraid she is gone - I have called 4 times and no return call. 

I contact BOA and was told that it was AZ DES who had to fix this problem. AZ DES also told me it was BOA who had to fix this. It is now XX/XX/XXXX and I think 5 months is just ridiculous with no answers. 

I have attached a copy of my statement from BOA showing the deduction and closure of the 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 monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I had received mail from XXXX stating I needed to pay this balance, I advised I never bought anything using this service for this large amount. XXXX refused to help, stating they saw no error, I advised it was not an error, weather identification theft, still no help and now they are trying to collect this through a collection agency called ACI, I also have tried getting help from them, and still no help, they keep referring to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: NY

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by 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 2020-12-22 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: NY

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by 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 2020-12-22 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:
This wois placing fraudulent information in my credit history and current status.

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 2020-12-22 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: CA

Complaint narrative:
This wois placing fraudulent information in my credit history and current status.

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 2020-12-22 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/20 I mailed my payment to Citibank - The Home Depot Rewards Mastercard - which was due on XX/XX/20 using the statement payment stub and envelope provided. It wasn't posted until XX/XX/20 and I incurred a late fee of {$25.00}. I called Citibank MasterCard to question the delay ; however, I was unable to reach them and was transferred to what appears to be a Debt Collector. They could not find my account and kept asking for the reference # on my letter, which I do not have. My concern is that this is not the first time my payment was posted after the due date and I've been charged a late fee. While I realize it could be the USPS ; I believe the delay is at Citibank. It's frustrating as I can not pay online because my account is closed, I can not call anyone for assistance, and if I mail the payment I'm at the mercy of the USPS and the Citibank payment center.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 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:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2020-12-22 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:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by XXXX XXXX  that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also XXXX XXXX never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified XXXX XXXX  that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a letter today, XX/XX/2020, dated XX/XX/2020, from JPMorgan Chase Bank @ XXXX XXXX XXXX, XXXX XXXX, TX, XXXX stating the following : " Thank you for your interest in opening an account with us. Unfortunately, we've decided not to open an account for you. '' The letter from Chase goes on to say that the denial was based on my credit rating from XXXX dated XX/XX/2020. This hard pull on my credit report was not the result of the initiation of a credit application on my part. I did not initiate a credit application with Chase Bank and I did not ask to do business with Chase Bank recently. Therefore, Chase fradulently ran a hard credit pull on my credit report/rating without my consent. The letter includes my credit score, so this was a hard pull. Please ask Chase to provide proof that I initaited a credit application with them to justify this hard pull on my credit. 

I ask for the assistance of the Consumer Financial Protection Bureau in holding Chase fully accountable for this violation of my rights as a consumer. It is my understanding of the law that companies can not make hard inquiries on a consumer 's report without his or her permission and without the consumer 's intent to do business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
Subject : Victim of bank account XXXX at First Tech Credit Union ( FTCU ), fraud and overdraft situation I have a savings account number XXXX with First Tech Credit union in XXXX, WA. I have been a victim of a scam. Someone ( we believe XXXX on twitter ) obtained my credentials to make mobile deposits and remove money from the account and this this was not detected by the FTCU bank for over 3 weeks. Now I am saddled with negative values in my account and overdraft charges totaling over {$12000.00}. Of this amount XXXX shows up in the XX/XX/2020 bank statement and rest I can not see due to the First Tech account being locked by the bank. 
I am college student with no income so the FTCU bank should not have allowed these withdrawals I did not authorize, and have ever authorized, in writing, signed or requested any overdraft protection or courtesy pay. When fraud transactions occur risk controls should be triggered. 
These withdrawals should have been caught by the bank risk management controls. For e.g. XXXX  sends a hold communication when we deposit checks there is no amount available immediately. 
We did not receive any text messages stating that I am in an overdrawn situation. 
The bank should have stopped these transactions since the fake checks deposited by the perpetrator did not clear yet, and a hold should have been placed. 
There was a hold placed on only one of the final checks. 
The police case registered with XXXX County Police : Case number XXXX. Officer XXXX XXXX Considering the above, I trust that I am not liable for unnecessary overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation