vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was noticed that a new checking account was opened with the bank I currently use. I received a new debit card in the mail, to my current address, but not the address that I have on my account. I spoke with my bank and reported the fraud, but I am now unsure how they have obtained my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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:
I don't know why TransUnion reinserted blocked information back to my credit report. I am a victim of identity theft, and I state that the XXXX XXXX XXXX account ( account no : XXXX ) is a fraudulent account. Please help me to resolve this problem with the TransUnion credit reporting agency and the credit card company. TransUnion needs to delete the XXXX XXXX XXXX fraudulent account 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 explanation
Consumer complaint received 2021-11-01 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a request to TransUnion via certified mail return receipt on XX/XX/2021 and it was received on XX/XX/2021 ( Tracking # XXXX ) and I let them know there was incorrect inquiries reporting on my credit report. Those incorrect inquiries negatively impacted me while trying to obtain a mortgage. I have attached the request sent ( Transunion Dispute Letter.pdf ). Transunion elected to completely disregard my rights to an investigation under FCRA and instead sent the attached letter ( Transunion Response to Credit Dispute.pdf ). Given that more than 30 days have passed since they received proper notification and have failed to conduct an investigation into the incorrect inquiries I am requesting that Transunion remove all requested inquiries from my credit report and send an updated credit report reflecting the changes.

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 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Our City tax has always been less than {$800.00} and County tax around XXXX. 

We got an escrow statement from the mortgage company stating XXXX is our city tax and county tax is also XXXX. Note : The 2 amounts are exactly the same, clearly indicating that there has been a mistake on their side. They have increased our mortgage payment by {$1200.00} per month. When we call them ask them. They want us to prove what our taxes are ( The mortgage company receives the bills directly ). They are being very uncooperative and unhelpful and not willing to rectify the mistake they made.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: GA

Complaint narrative:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: GA

Complaint narrative:
There are a few accounts on my report that I do not recognize

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 2021-11-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received an email from Discover Card around XX/XX/XXXX, saying that one transaction was declined. I hadn't been using that credit card for a long time, so I checked the phone app and noticed a series of fraudulent transactions. I called Discover, and they stopped the card, and started a fraud investigation. In late XXXX ( or early XXXX ) XXXX, I again noticed and reported to Discover lots of fraudulent transactions on my account, which were also impossible to be made by myself because I was physically abroad from XX/XX/XXXX to XX/XX/XXXX. Discovered investigated both incidents, and concluded in late XXXX that there was " no fraud '', and I am responsible for all the transaction. The total amount of all fraudulent transaction from XXXX to XXXX was roughly XXXX dollars. Frustrated by Discover 's investigation result, I filed a police report with University XXXX XXXX  Police Department on XXXX XXXX, hoping they can assist me with the issue. 

In my communications with Discover, I have repeatedly provided the following facts that clearly suggest I am the victim of a fraud and should not be responsible for the charges : 1 ) The fraudulent transactions took place in California, but I was outside of the United States from XXXX XXXX, XXXX to XXXX, XXXX, XXXX. This can be proven with a detailed Homeland Security travel record that I provided Discover on XXXX XXXX. 2 ) I had possession of the physical credit card ( ending in XXXX ) the ENTIRE time I was abroad. 3 ) During the time I was abroad, nobody except for USPS mailmen would have access to my locked mailbox, because I brought the keys to my apartment and mailbox abroad with me too. No one could have access my locked apartment, a very safe XXXX XXXX XXXX XXXX, and there was absolutely no sign of break-in. 4 ) I have never given anyone access or permission to use my credit card ending in XXXX, which I kept with me all the time. 5 ) There was no possible way for me to receive, activate, or use any credit card that Discover may have sent to me during my time abroad. 6 ) When I came back to my apartment on XX/XX/XXXX, there was no credit card from Discover in my mailbox.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. In good faith, I filed a dispute exercising my right to demand a block of fraudulent information via the attached FTC IDENTITY THEFT REPORT dated XX/XX/2021 that was received by EQUIFAX, INC. on XX/XX/2021. I have yet to receive anything from EQUIFAX , INC. in response to my demand, and it has been well over 30 days. The fraudulent accounts must be removed from my consumer reports immediately. The fraudulent accounts on my consumer report runs me the risk of being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Direct recovery services violated FDCPA by contacting 2 relatives regarding a debt thats not on credit report. The company also left misleading voicemails and language to imply legal action. When company was contacted representative was rude, aggressive and threatening when told they violated the FDCPA act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been writing letters to the credit bureaus asking them to remove the inaccurate late payment information from my credit report. After 2 attempts to get them to update the information, Experian is still reporting it incorrectly.

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 2021-11-01 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: MI

Complaint narrative:
While applying for a mortgage, the bank pulled a credit report and there was an account with the XXXX XXXX XXXX XXXX ( XXXX ) on it, which only Equifax reported. I am not now nor have I ever been affiliated with the Department of Defense, so I can not possibly have this account. After verifying my information by fax ( license and SSN ) in a message sent to Equifax on XX/XX/21 ( I had also called the XXXX on XX/XX/21 and XX/XX/21 to verify my SSN was not in their system ), I filed a dispute of the account on XX/XX/21. On XX/XX/21, Equifax finished their investigation and concluded that this account belonged to me, and that my personal information needed to be updated. As a result, they unilaterally changed my name, SSN, date of birth, and several addresses to that of someone else, which I was fully allowed to access, as well as full details of the entire history of the disputed account. This is an extremely dangerous breach of personal information on behalf of the affected individual, and I disputed this new " personal information '' immediately, meaning I had to see what this other person 's details were in their entirety in order to dispute it. A new dispute was filed on XX/XX/21, and as of XX/XX/21, my personal information is still displayed as that of someone else/ Our SSNs are one number off, meaning it is likely that Equifax did not check effectively enough to discover their own error, and instead insisted they were correct while compromising some other individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a XXXX XXXX XXXX ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I got a voicemail from a debt collector on Wednesday XX/XX/XXXX stating that they have been trying to reach out to me and at this point they are going to process court paperwork against me for misdemeanor criminal charges and told me to call back the attorneys office or they would send someone out to my work to serve me. I called them back immediately, worried and confused about what was going on and they pushed me to sign paperwork on the spot stating that I would pay {$150.00} on Friday XX/XX/XXXX, {$450.00} on Friday XXXX and another {$600.00} on Friday XX/XX/XXXX. They said that would be a {$1200.00} settlement to get me out of the charges against me. I discovered it was a scam the same day and the next day on Thursday XX/XX/XXXX I went to my bank and closed my account so they wouldnt garnish my wages. Since then, I have received 8 very threatening voicemails from them stating all sorts of things like I have a bench warrant out for my arrest, that I used a stolen card to purchase my new vehicle, they even called my mother and tried to get her to tell them where I work, then threatened to send them out to her house tomorrow and called me the embarrassment of the neighborhood. The last voicemail I received was today, XXXX at XXXX talking about them sending people to my mother home tomorrow and demanded I must be present with 2 forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To whom this may concern ; I wrote LVNV Funding LLC back on XXXX XXXX as of today XX/XX/2021 I have not received the requested documents of validation on this account their reporting that I owe {$320.00} which I have not ever had an account with them they're reporting inaccurate information on my credit report and this has caused a great deal of stress I need for them to remove this account from my credit report immediately. They have shown no proof of such debt, I've also attached return receipt They received both letters on XX/XX/2021 signed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: IA

Complaint narrative:
Netspend sent a debit card to my address on XX/XX/2021. They have the correct last name and address, but there is no one here with the first name shown on the card, and we didn't request a card. They, or possibly someone else, also called our home phone on or about XX/XX/XXXX and asked to speak to the person named on the card.

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 2021-11-02 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: Nelnet, Inc.
State: GA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Ignite Revenue, Inc.
State: GA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 I started to receive a series of letters from Synchroney Bank, XXXX XXXX XXXX, XXXX, Floria XXXX. The first letter was regarding my Sam 's Club MasterCard, ending in XXXX. The letter stated, in raher short terms " After a review of your account, SynchronyBank has decided to close your account-Based on the account s is indicative of high risk of failure to pay ''. I have had this account, and many other Synchrony Bank consumer Credit Card accounts, such as Chevron, Lowes and few others whch have NEVER BEEN PAID LATE nad have never been " overlimit '', as I always pay my card balances in FULL each month! I rarely, if ever carry an open balance on any of these cards! In fact, at the time I recevied this lovely letter from Synchrony Bank I had made a few duplicate payments ( since they alleged my auto-pay didn't go through ), whcih left my Sam 's Club MasterCard with a CREDIT BALANCE, due to my over-payments in the amount of {$11000.00} ( see statement from XX/XX/2021 and others )! When I called XXXX to find out why they closed my accounts, which had CREDIT balances, the staff had no answer for me, other than " The Computer says are are now a risk, so we closed all your accounts ''. his makes no sense at all. I tried to speak with a real human, who could help, but all I got was some overseas operating reading the same inforamtion off hier computer screen. Since no one could help me, I elected to allow the closure of my account and asked for my overpayment to be refunded. Suprisiingly enough, this did occur and this zeroed out my account, and it was closed.A few motnhs later, Synchrony decided to MAGICALLY re-Open this CLOSED account and start adding charges and fees for rpoducts and services I never authorized or purchased! I CAN'T GET THEM TO STOP! They are no trying to impact my credit rating for thier poor mismanamgent of my old Sam 's Club MasterCard Account. Oh, they also cancelled all my other Sychrony linked card too, for no reason or justifiable cause! 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 monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was the victim of a scam in the sale of cryptocurrencies, they asked me for {$300.00} to start investing as a minimum, and then they asked me for {$1000.00} as a fee to withdraw the profits. when I get the gain in the account in XXXX with the customs broker license from the US Department of Homeland security # XXXX, they ask me for {$2500.00} more to upgrade the account and get the money of the profit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
Company has called me several times to attempt to collect a debt with a company I have not done business with ever. I have told them multiple times I never had an account with the company. Never lived at the address they claim they sent a letter to that address. 

I don't even have any information to challenge the account. They are telling me I have to work with the creditor to get this marked as fraud. That's not my responsibility for an account I never had.

Company response to consumer: Closed with explanation