vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am a consumer, the original creditor. On XX/XX/2020, I the original creditor according to 15 USC 1692a ( 4 ), extended credit to my loan company, Alliant Credit Union at XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, in the amount of XXXX for an auto loan, but with their fees and total, the credit union agency is charging me {$53000.00}. According to XXXX5 USC 1605 ( a ), the finance charge is the sum of all, so my car insurance, gap insurance was not included in the finance charge ( sum of all ). I requested a copy from Alliant Credit Union of my auto contract, Exhibit C, which is totally different than what I have from the day of the actual transaction, shown in exhibit D. The interest rate, the total amount is all different. This is FRAUD on all levels. Alliant Credit Union operates under the Truth and Lending Act, so why wasn't I not informed that they took my unlimited credit card to the federal reserve and was already paid in full. Not only was they paid in full, but they are coming after me for monthly payments. This auto loan is being reported on my credit report unlawfully without my consent. I am disputing this transaction because Alliant Credit Union not only stole from me but my reputation is totally ruined. I have included a affidavit of truth citing all XXXX violations, and also included an invoice, as well as a cease and desist stating what is needed. This is totally a complete violation of 18 USC 1028A. I also will include a copy of documents used and or exhibits in this report and also a copy mailed upon certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$8700.00} which I did not make. I have this police report before where I lost my phone where I stored my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this 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 explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I recvd a phone call from XXXX on XX/XX/XXXX regarding my last complaint with med-1 solutions. She informed me that shell speak with the legal dept. to see if we can can get rid of the legal fee that med - 1 solutions were charging then give a call back within 1 day. I never recvd a phone call back until XX/XX/XXXX. I informed her that I can start to make a payment on XX/XX/XXXX. I also recorded the conversation. I made a payment through portal. On XX/XX/XXXX. When I made that payment of {$50.00}, my balance was XXXX - my issue with med -1 solution is the they send me two letters informing me of what debt is owed. On XX/XX/XXXX I recvd a letter saying that I owe XXXX. I recvd another letter on XX/XX/XXXX XXXX. Theyre constantly are changing the balance of what is owed and for me to pay back. I also made a payment on XX/XX/XXXX of {$200.00} which does not reflect on my total balance. I believe that they are giving my mis information and trying to charge more to me without any knowledge of why I am being charged. XXXX went to make a payment on med -1 solution website and the balance on my receipt sent to me on XX/XX/XXXX is XXXX again my balance is not the same nor does it says why theres a increase XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm attempting to use the site : XXXX XXXX XXXX to obtain my credit report from Experian. I've attempted this three or four times over the last two or three weeks. Each time, after filling in the form, I get the message below. This may have been fine for a day, possibly a few days, but for this to go on for weeks and months is unacceptable and needs some oversight to get them to solve this problem. Yes, I can request my report other ways, but that's why this system exists. 
Thanks for looking into it. XX/XX/2021. 
======================================================== We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA 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 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I demanded a debt Validation with the third party debt collection agency XXXX XXXX Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.

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 2021-09-02 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: NY

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2021-09-02 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA XXXXB ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

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 2021-09-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017 with a balance of {$9600.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am victimized by identity theft. The fraudulent Activity happened on XX/XX/2018, which I did not make any transaction to this company. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I used a swift transfer to transfer money from the Bank of America to my bank account in my home country. It was made on the XXXX of XXXX of XXXX  in the office of Bank of America, XXXX XXXX XXXX, XXXX. I transferred XXXX US dollars. Relationship Banker, XXXX XXXX, told me that after 5 working days I will receive money, but I did not. I want to contact them and solve this problem

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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: MS

Complaint narrative:
Starting in XXXX of 2021 I noticed a collection XXXX you on my credit report. I have disputed this 4 different times and they will not take this off. They took the {$87.00} dollar one off. So why take that one off if you think I really owe whoever this is but want take the {$1900.00} dollar one off. Ive never heard of this company and do not owe whoever this is. My other accounts thats medical are getting paid biweekly because I knew about the bill. I havent gotten any mail for me to acknowledge them. I again do not know this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
MONEY WAS HOLd. they ask for more documents to provide. and already provied it amount XXXX paypal account XXXX i hope to get the available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
This debt just popped up on my credit. I don't even know what it is from. I didn't receive anything in the mail pertaining to this debt. I didn't even validate this debt.

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 2021-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I submitted a complaint on XXXX XXXX, 2021 against Bank of America because they have charged my checking account for 3 NSF charges for a total of {$100.00}. Recently, I noticed another {$35.00} fee I was charged on XX/XX/2021 all of which were removed from my bank account by Bank of America during a time when our country is experiencing a pandemic. This brings my new total of fees charged to my account to {$140.00}. I filed a complaint prior to this one and was contacted by XXXX XXXX Resolution Specialist at BOA. Ms. XXXX emailed me and said she was my point of contact until this matter is resolved. The only problem with that is I have called her on 2 different occasions to confirm I am the party who engaged the CFPB for assistance in getting this matter resolved as she instructed me to do before XXXX XXXX, XXXX.She, further, said she would be responding to my concerns via secured email and asked that I follow instructions in that email to access their response. I have NOT heard another word from Ms. XXXX either by telephone or secured email and have since sent her 2 emails and left 2 voicemail messages at the number she provided to me as her contact #. She, further, states that either her or one of her colleagues will return my call within 48 hours. No return call, nothing at all.

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 2021-09-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, XXXX  As a consumer by law these inquiries on this letter must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I was scammed for {$500.00} dollars. I was supposed to view a place and was told that money was needed to be deposit to see the room. The scammer then goes on to send me fake picture of the room and said that it was required to put money down to see the room. I reached out to the seller and told them I felt pressure by them and that I felt uncomfortable when I have never seen the place. They then went on to charge my card without my approval for the place stating if I don't put something down that I'll lose my original deposit of {$200.00} for the application. My account was charged {$500.00} dollars additional and when I arrived to the apartment, everything was broken and filthy with bugs and dirt 's. I then immediately contacted Wells Fargo to report the funds and have them stop the funds and to open up a claim with them. A few days later, they sent a letter stating that they will not help me and denied my claim. They went on to say that I authorize the funds when I did not as my card was attached to XXXX XXXX and the scammer ended up charging my account for {$500.00} dollars. I then tried reopening the claim and stated that I have written text messages document of the scammer stating that they scam me and Wells Fargo refuse to look at the document and reconsider opening up my claim. On XX/XX/XXXX, I called Wells Fargo claim department and was told that even with my supporting evidence, they would not look at my claim.

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