vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I never authorized them to take out this money and they went into my bank account and took the money out I tried to relog in to my XXXX  account and they changed my password my everything on there that I can't even go into my account to see what happened or to see what money is still in there nothing and the bank is saying that they can't help us due to the fact that it was their account and it was logged in you know with our bank so they are saying that it isn't fraud well it is fraud because it wasn't me I never authorized these transactions and they were still taken out and I have been robbed please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MD

Complaint narrative:
I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. 

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. 

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
The debt is over 7 years and has inaccurate amount. Ive been receiving harassing calls and letters stating that I will be sued if I dont pay the amount. However its not the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me. See attached identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me. See attached 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 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I have received notification from Phoenix Financial Services that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in California ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been a long time Bank of America customer ( 30+ years ) and signed up for a Bank of America Travel Rewards card knowing that as I accrued points in their reward program I could one day redeem them for statement credits against future travel expenditures. 
Well, the day came in which I traveled to a Hotel and used the card. In fact, the charge on my billing statement specifically labels the charge as " XXXX XXXX '' and also highlights the foreign city in which the hotel is located. 
Upon receiving my billing statement I went redeem my accrued points against this Hotel charge and was perplexed when I did not see that the Hotel was available for travel credit. I called Bank of America 3 specific times to try to talk with someone. The representatives agreed that it was silly that a Hotel charge was not available for travel credit. On the 2nd call to Bank of America I was told that the charges are NOT classified as a Hotel thus they would not be available for travel credit redemption. I told them, of course it is a hotel ( HOTEL is in the name of the charge ) and they are happy to look it up online ... Bank of America said that they would escalated it. After Bank of America not getting back to me in their promised timeframe ( with only days left to pay my bill ) I called for the 3rd time and was told that in their system the HOTEL charge did not show up as a hotel ( not my fault ) and that they would not honor my ability to use my accrued points against travel charges. No one could explain to me why this was the case and no one at Bank of America would take ownership to correct this situation. Frankly, at this point, I would label the Bank of America Travel Rewards card as a " bait and switch '' scheme to attract customers to become long time users ( as it takes time to accrue points ) and then, when you go to use them for actual travel, they deny the use of credits. I have been a longtime customer at the bank, we 10+ accounts and now will most likely unwind my 30 year relationship because Bank of America refuses to do the right and honorable thing. This is NOT the type of financial institution that can be trusted anymore.

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 2023-03-03 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: CA

Complaint narrative:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX  XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX 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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX XXXX 2023 XXXX was garnished from my Wells Fargo checking account by order of the XXXX XXXX XXXX in Nebraska. I am a XXXX XXXX XXXX veteran of the XXXX XXXX. The funds in this account were entirely made up of a housing allowance issued by the VA, Pell Grants, and student loans exempt from garnishment. I scheduled a hearing on XX/XX/2023 at XXXX with the XXXX XXXX XXXX XXXX which they agreed and created a Journal Entry and Order stating that the funds are exempt. The XXXX XXXX XXXX faxed Wells Fargo directly this order. Today on XX/XX/ 2023 I was told that the court order was not enough for them to release these funds that shouldn't have been held in the first place. I'd like to file a formal complaint that Wells Fargo is violating Federal Law under the CCPA and a court order that the funds are exempt leaving a veteran student with no means to pay his rent.

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
three months ago the bank blocked my account due to fraud alert. After being bounced around between departments throughout many phone calls, the specialized fraud department acknowledged the block, but then refused to verify my identity ( despite me providing 3 different phone numbers all of which they were misteriously unable to reach, mi SSN, my mailing address my debit card number and credit card number ). They told me to wait until a physical letter arrived to my mailing address with a security code. 
It's been 3 months. The letter never arrived. I've called more than 10 times in the meantime, all of the times they refuse to engage in conversation with me after claiming to be unable to reach my phone numbers on file, and hang up after telling to wait for the letter. I have been denied access to my money and savings for 3 months now and have not been able to even file a formal complaint with them because they have no such department. I NEED HELP

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 2023-03-03 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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity Bank calls me numerous times a day under different numbers, as well as blocked numbers that show up as unknown and no caller ID. I explained my situation to them a few months ago, that I am unable to make a payment currently, but they continue to harass me. I continuously get no caller ID calls and when I answered, I was hung up on. I received one more call and the person on the line hesitated to answer me, then finally did when I asked them to stop harassing me. This is happening up to six times daily, for the past 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
On XXXX XXXX,2020, National Credit Systems, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, National Credit Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-03-03 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: Self Financial Inc.
State: OH

Complaint narrative:
On XXXX,2021, XXXX ATLANTIC CAPITAL B added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX ATLANTIC CAPITAL has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Penn Credit Corporation
State: OH

Complaint narrative:
On XXXX XXXX2020 PENN CREDIT CORPORATION added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, PENN CREDIT CORPORATIONhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: IL

Complaint narrative:
I have recently acquired my credit, upon my review there are two bankruptcies listed that I have submitted numerous request to have the information listed on my credit reported to be verified and the proof be provided to me. Upon this date the credit reporting agency has failed not only to remove the inaccurate information but has also violated several laws. 

In accordance with 15 usc 1681 ( a ) ( 4 ) XXXX XXXX who provided the bankruptcy information infringed on my right to privacy. I also have a statement from the company confirming that the information that was provided was inaccurate and was removed from their data base. As a consumer I have a right to privacy. 

XXXX XXXX did not have a permissible purpose to obtain the information and place it on my credit report nor did I provide any written consent for it to take place this is a direct violation of 15 usc 1681b ( a ) ( 2 ). 

XXXX XXXX failed to list who they interviewed to obtain this information, this would be also a violation of 15 usc 1681a ( e ) With XXXX XXXX being in direct violation of these laws set forth by the government the credit reporting agency is liable as well due to them furnishing the inaccurate information for my credit report. Because of these inaccuracies I have been prohibited from being deemed credit worthy. 
I have enclosed documentation that will prove the inaccuracies and the violations the credit reporting agency has committed against me. 
Dates of disputes submitted on the matter XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
in 2018 an account for an Auto loan appeared on my account from XXXX XXXX XXXX acct # XXXX, address XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
This account is completely Fraudulent. I do not now nor have I ever had a car loan from this company. I request copies of the loan agreement bearing my signature. Proof has never been provided. the other credit reporting agencies have removed this from my credit. there is also no collections on report from this company. I have been a victim of identity theft and this should be remove immediately

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 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Once again XXXX Finance company had place excessive fees, interest on a vehicle loan that i have been struggling with for nearly 7 years. I recently discovered that XXXX has been excessively adding interest to the same loan that was opened in XX/XX/XXXX. XXXX states that the balance owed on the XXXX XXXX XXXX is XXXX. I have struggled with this high interest loan since XXXX at XXXX monthly. Some payments were missed due to economic inflation. However, XXXX is continuing to add excessive fees and interest on the vehicle loan extended the life of the loan for another 2 years bring a XXXX car to a near XXXX price. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: IL

Complaint narrative:
I have received notification from XXXX XXXX XXXX that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in XXXX ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.

Company response to consumer: Closed with explanation