vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Card Number XXXX XXXX XXXX XXXX XXXX friend XXXX XXXX agreed to collect my mail during two back to backs trips out of the country. He is a friend of the family and agreed to do so. I collected my mail from him on XX/XX/XXXX and was surprised the card was not in my mail. I checked online banking and saw over {$5000.00} on a replacement card from Bank of America I had never received. 

After reviewing the charges, I had a pretty good idea that the culprit was XXXX. As many of the charges were made in person around his house. When I confronted him about this he at first denied it but then I showed him the charges and he admitted that he had been in the financial bind and use my card without my permission. It seems like he also used my phone to make purchases without my permission. 

XXXX didnt have the ability to pay me back and honestly I dont expect him to. I told him I had to file these charges is fraudulent and file police report. He was very upset by this and I havent been able to reach him since and he appears to have left of temporary housing in XXXX, Co. 

I reported all this information to the police and Bank of America. I was issued a provisional credit by Bank of America, but recently was rebelled for these charges as I lost the dispute. I called in to better understand why I lost, and the answer makes very little sense it says my card was used in person for many of these charges or someone that I know or myself used it. It seems ridiculous because Ive already told you someone that I know used it but he did not have my permission. I also asked them to wait to return the provisional credits until in the hopes that I can get a statement from XXXX. I am not satisfied with Bank of Americas reply its very clear what happened here and I think they didnt properly investigate. I have asked to be sent copies of the receipts that clearly will not pair my signature and have not received anything yet other than a letter of denial. This is not acceptable. This fraud and the perpetrator isnt anonymous. I am going into a no phones month long XXXX XXXX  and will not be able to respond until XX/XX/XXXX 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 monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX  90 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
IDK what this bill is or where it is from I have no knowledge of this I get calls but IDK what this is for and advised them to stop with the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
Experian make it very difficult to work with XXXX mean cold hearted people with no sympathy on someone in regards to something on the credit such as an inquiry were not criminals here and not every inquiry is authorize by the person in my case I didnt authorize this inquiry and I submit a proof and an email that was sent to me by my leasing XXXX along with an attachment I dont understand why Experian wont work with me it doesnt make sense and they treat us like were bad people were human beings and it shouldnt be so difficult to be able to dispute something on a credit they make it so hard even though we have proof they still make it difficult and its not right at all I hope that you can resolve this matter and this inquiry can be removed off my credit thank you and I appreciate your time sorry for the inconvenience the account is rent grow that needs to be removed

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 2022-04-12 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: CBC Companies, Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I contacted Innovis to ask to have a freeze put on the consumer report that they have in their records. Upon the representative answering the phone she asked me for my information to verify my information so that she may put a freeze on my account. I gave her my name, social security information and date of birth. 

A few seconds later she called me a name that i am disputing that is on my credit file that doesn't belong to me. I kindly repeated my name for her to put me on hold. She then comes back and ask me to verify more information so that she will be able to put the freeze on and to send me the copy of my report that they are sending out with false information on. She starts to asking me to name the credit cards i have and when i tell her she ask me are you sure you never had any more ... .I said you ask me to tell you XXXX credit card that i have and i gave you that, now your asking me for another and i gave you that... 

Why would i tell you i have a credit card and i dont have whatever it is your looking at in your records. She put 's me on hold and finally after about XXXX minutes on hold another lady comes on the phone and does the exact same thing ... .but this time she starts asking me about a address that is not even mine but was my grandmothers address. I never lived there, nor have i ever received any mail or nothing there. 

This is causing severe harm to my life and reputation for this company to be giving out false information on me and refusing to stop this by not putting a freeze on whatever the lies their sending out and letting me see what it is they have in their file so that i can dispute it. However, i dont wan na dispute anything... 

I want my file deleted from their records. They have no right to be invading my privacy and sending false information to companies and verifying the information with information that they are requesting from me. How can you be giving out consumer information on the consumer demanding information from the consumer... but making judgement 's on the consumer 's life and financial well being by saying if he's a good person or a bad person. 

These people are still going to be sending out false information on me even after i have asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
In XXXX of XXXX  I paid off my balance with XXXX. I failed to realize that I didnt cancel a reoccurring charge and missed a payment date of XX/XX/2022. As a result XXXX decreased my credit limit by {$6000.00}. They stated the primary reason in doing so was because I missed a {$60.00} payment right after paying over $ XXXX the end of XXXX. This dramatic decrease is and will impact my credit score.

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 2022-04-12 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: TX

Complaint narrative:
I have been contacting Equifax, XXXX, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but Equifax in particular are not cooperating and is insisting that they have not received any of my complaints or documentation.

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 XXXX XXXX XXXX  and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
To Whom it May Concern : My name is XXXX XXXX, and Ive been a victim of Identity Theft. I reside in XXXX, IL, and have lived here for XXXX years. Im originally from XXXX California and have not left Illinois to live anywhere else in the last XXXX years. At the beginning of the year, I received a credit notification that there was a {$1000.00} collection for a utility company in Texas! I started frantically calling the credit bureaus, and filed a police report in XXXX ( I will send a copy with this letter ). It turns out there are numerous accounts this criminal opened for electricity in the following cities ( XXXX, TX, XXXX, TX & XXXX, TX ). I now need a report to ensure there are no other accounts opened in my name outside of Illinois or California. 

Account # XXXX : XXXX XXXX Services XXXX Owed {$990.00} for Utility Services at the address : XXXX XXXX XXXX # XXXX XXXX Texas using the name XXXX XXXX Opened on : XX/XX/12 Closed on XXXX with a balance of {$990.00} Account # XXXX : XXXX XXXX XXXX balance of {$130.00} for Utility services at the address : XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX I'm tired of fighting with companies all over Texas because criminals are opening up utility accounts and not paying by using my social security number which has ruined my financial wellbeing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MO

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has been pulling my credit report, XXXX fraudulent pulls, the bank says it want remove them even though it has wrong info, TransUnion has refused to remove them after several disputes,

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 2022-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I had a second mortgage through Specialized loan service ( SLS ). The loan matured on XX/XX/XXXX. I didn't realize at the time and the regular automatic payment was made on XX/XX/XXXX, initiated by SLS. Towards the end of XXXX I was contacted by a SLS representative and she explained that the loan had matured on XX/XX/XXXX and they would need the loan balance paid off and that they should not have taken the automatic payment. I asked if I could refinance the loan with SLS and they said I could and they would send a packet in the mail with more information. At this time I was told that I had 60 days to complete the loan process. I said okay and awaited the loan packet. The packet arrived a couple weeks later and it indicated I could also apply online, which I did. A week or so later I was denied a refinance. I then receive a 30day late charge on my credit report. At that time I decided to take a draw from my business to pay the loan off. I had to move the funds around in my business accounts in order to fund the payment. That next Sunday I received a 60 day late mark on my credit report. I filed a better business report and proceeded to pay the entire balance through the SLS website as an ACH on Monday XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. On XX/XX/XXXX my wife received a notice via text that the payment has been returned because it was not sent as a certified check and their website may not have stated the correct payoff amount. After doing some research, it appears that they should have reimbursed the automatic payment made on XX/XX/XXXX because as is their policy, it was not for the correct payoff amount and it was not a certified check. The XXXX payment has still not been reimbursed as of XX/XX/XXXX. All through this process I have been contacted numerous times by SLS representatives asking for the original installment payments to bring the account current. They have also all given conflicting information. I asked for a call back from a manager which I received XX/XX/XXXX. She informed me that she can't provide the correct payoff amount until Monday XX/XX/XXXX but during this time I will continue to receive late notices on my credit report. As of today XXXX XX/XX/XXXX, I have not received the payoff amount from SLS. I assume the payoff amount is going to be much larger than what it should be with their late fees and extra interest added. Please help me clear this up. 

Thank you, XXXX XXXX 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 explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I have sent you guys my Identity theft report according to my certified letter receipt you guys received this letter on XXXX XXXX, 2022. I have not received any proof that this lease agreement is mine. You guys have not sent me any Signed XXXX agreement nor have you proven that this debt is in fact mine! I demand this be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
recalled a letter XX/XX/2020 from XXXX  stating i requested for credit and I didn't they recognized it wasn't my SSN that matched up and still emailed this to EQUIFAX with referrance number and still refuse to move off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, my debit card was declined. I called Wells Fargo and was told a notice of death hold was placed on my account and I needed to contact the estate care center. I called the estate care center on XX/XX/XXXX since they were closed over the weekend and was told I needed to go to the bank and sign a certification of life form. On XX/XX/XXXX I went to Wells Fargo in XXXX pa. I signed the proof of life form and the lady at the bank called the estate care center. The XXXX XXXX XXXX said they would investigate the matter and removed the hold from my account. On XX/XX/XXXX I began receiving emails from experian stating my social security number belongs to a deceased person and I now no longer have a credit score. I checked my credit reports and I have no credit scores for any of the credit bureaus. As of now, The only company reporting me dead to the credit bureaus is Wells Fargo. I received another email stating that a change was made to my credit file, the change was that I am deceased and the company is XXXX XXXX ( which is Wells Fargo XXXX XXXX XXXX  ). On XX/XX/XXXX I went back to Wells Fargo and spoke to the same very nice young lady as previously. She called the estate care center again and they told her they couldnt provide me with any information. I wanted to know who reported me dead to Wells Fargo or if this was a mistake made solely by Wells Fargo, estate center couldnt give me any information, they said they will investigate and they dont provide this kind of information to customers. I then called social security administration and on their end Im not dead. I need to know who caused this so I know who to pursue legal action against. This is causing a tremendous amount of stress to my life. I am concerned this will affect me in other ways.

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 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XXXX XXXX, my check for {$3000.00} was returned to issuer ( my attorney ) because she accidentally wrote the check wrong but the funds have not been released to my attorneys account so that she can reissue the funds back to me. The money has already been debited from my account. Ive called chime numerous of times including today with my attorney and her bank, nobody from chime is able to tell me where the funds are. 

We are well over the time period of awaiting the returned check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery is trying to collect a debt with innacurate information. the address for the XXXX XXXX they want is XXXX XXXX. I do not live there and never have. I reside at XXXX please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I did not authorize any of these lenders to pull my credit.

Company response to consumer: Closed with explanation