vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. I discover a multiple credit cards accounts under my name. I called the banks to stop the fraudulent then the accounts have been closed. 
I have an FTC and police reports, I have called Bank of America, and XXXX XXXX XXXXequesting them to send me a written letter showing I am not responsible for the charges on the account since XX/XX/2021 and they promise to do so and never did. Then sent them aletter by mail on XX/XX/2021 with a copy of the FTC report and proof of my identification. I did not hear from XXXX. Bank of America sent me a letter saying that I did not report the fraud on one account however I did report it to them as will as to the experience and XXXX. 
The accounts number as follows Bank of America XXXX and XXXX XXXX XXXX XXXX My e mail address XXXX My mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX 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 2022-02-01 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: TX

Complaint narrative:
I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they provide as a company on XX/XX/XXXX. The letter was sent to the address posted on the consumerfinance.gov website; TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA 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 2022-02-01 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: TX

Complaint narrative:
Someone has open several accounts using my SSN XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Discover XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: UT

Complaint narrative:
I went to the Vietnamese restaurant and ordered some fried rice. When I got home, I realized that the food did not have all the listed ingredients on the menu. I attempted to contact the restaurant but could not get through. 

I submitted a bad XXXX review and a representative of the restaurant responded and asked me to send an email to the manager.

The manager and I exchanged some few emails, however, she did not refund my money. The manager stated that they changed the menu, however, their employees were not informed or so.

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 2022-02-01 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I've paid this account in full with acima credit but it's showing up a late payment which is not accurate and the truth in lending act section 15 u.s.c 1666b says A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless creditor has adopted reasonable procedures to ensure that each periodic statement including information required in section 15 u.s.c 1637a 1-9 of the truth and lending act I never received any of that information. If there's any rebuttal please send me documentary evidence 15 u.s.c 44 to support your proof of claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
NewRez Mortgage XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  Month 's in a row I've had to call them to receive a payment statement, once received it's already past due + taking XXXX weeks to actually cash the check. 
I've called customer service XXXX  times only to have them tell me that they'll file a complaint and to go online to pay my bill but, the online website doesn't work. 

This company is intentionally jeopardizing the credit of their customers who only want to pay their bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Please see the enclosed document " Time Line of XXXX XXXX  Gadget Issue ''. This document will provide a short summary of the issues on this case. 

On XX/XX/XXXX I received the enclosed letter from Chase indicating that they intended to honor the payment to XXXX XXXX that I had cancelled. Chase honored the payment to XXXX XXXXXXXX without consulting with me or sharing the documents that they had received from the " merchant ''. I have asked for copies of the XXXX  XXXX documents from Chase on at least 3 occasions beginning on XX/XX/XXXX but Chase has not provided them to me. 

Why would Chase honor the payment to XXXX XXXX when the issue is my personal debt and should not have been accepted by Chase? 

I wrote to Chase on XX/XX/XXXX and formally asked for copies of the documents and their reasoning as to why the XXXX XXXX claim was paid. Did they verify that the XXXX XXXX Claim was now owned by XXXX XXXX XXXX? What documents do they have to verify the ownership of the claim?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
2016 I had an invasion of theft and which I have the police report subsequent add to that there were random establish fraudulent accounts with various utilities or credit card companies and evolving accounts following iver XXXX yr period. This XXXX XXXX being XXXX of them initially I was not sure about the debt and because I was trying to land a place and a long awaited housing project for XXXX XXXX it reported to this bureau in which I then investigated to see I then paid up the account only to find out that it was one of the accounts that was compromised in my name I explained this to several in the department there at XXXX XXXX, XXXX representative twice supervisor Hope ( Fraud Dept ) there at XXXX XXXX. 

I stated how this was defaming me as a person not to mention wrongfully tarnishing my credit report as with faxing them a copy of the police report and FTC report all of which have been ignored which is a violation of the protection laws. 

XXXX and XXXX XXXX department stated that they had to submit a dispute and then the dispute would be left in the hands of XXXX XXXX as to it being removed from the records and off the credit bureau status there at XXXX. 

In speaking to hope once again in the front department at XXXX XXXX she regrettably stated that she could not remove this from tarnishing my credit profile neither was she going to return the {$150.00} I paid on this account that was done in error so I have to face the consequences of paying for someone elses debt That was fraudulently established in my name and this company not removing this paid charge off from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-01 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been disputing this collection account with XXXX and directly with Midland Credit management for some time. Midland Credit Management intentionally misrepresented information in an effort to harass and inhibit my rights as a consumer by negatively impacting my credit score. To date Midland Credit Management has never provided me with any documentation confirming an account with an alleged last statement date, charge-off date, last payment date, a transaction date, or a judgment date on XX/XX/2020. Per XXXX2 CFR Section 1006.34 ( b ) ( 3 ) Midland Credit Management has violated my consumer rights by reporting a reference date XX/XX/2020 which is outside of compliance parameters of XXXX Section 1006.34 ( b ) ( 3 ). Further FCRA 623 ( a ) ( 5 ) ( A ) requires that the reference date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. Midland Credit Management is operating outside of FCRA compliance and negatively infringing on my ability to act as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a dispute with Equifax regarding numerous unauthorized inquiries to my credit history ( about 24 in total, give or take ). The confirmation of that dispute is : XXXX. About two hours later I received a result stating that they had fully investigated all inquires, and that they were all valid. A request for how they verified these details went unanswered. 

Given the fact that there quite a few inquires to check, mixed with the fact that they responded a few short hours later, leads me to believe that they did not investigate my dispute at all and therefore have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The Platinum Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMA Credit Association
State: TX

Complaint narrative:
i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company

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 2022-02-01 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: NJ

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
It began I was on the road a friend needed help with a car payment since there was no contact I was to far away to give cases I put money on a cash app card and sent her {$600.00} later in she said she never received the funds so I XXXX cash app number and was put threw a rep I wanted my funds returned gave information to my account they had me download an app for them to refund the funds they took {$2.00} out without permission they told Mr to calm down that they were going to be longer than usual I was getting angry they told me to call back in XXXX min and number was not active I immediately contacted chime they told me they said they would looking into it closed account down my blocked me and I still had {$500.00} in account several weeks went on got a letter in mail stating that account closed they said it was my fault so help from chine my number is blocked when I call to find out about my account and how is it my fault can't get answers for months I need my hard earned money back my sister did all foot work to investigtion and got more info on situation please help single mother work hard for my money Thank you and God bless

Company response to consumer: Closed with explanation