vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: NV

Complaint narrative:
Experian In opt out by letter and CFPB and on my Report # XXXX for XX/XX/2021 shows Clarity Services INC/XXXX/XXXX/XXXX XXXX shows XXXX has all these soft inquires. I opt out with Experian. I did not request or ask Clarity for n.o services by phone internet or contract or ask for any credit of any form. 
I have also filed with the US Attorney office and file a police report for fraud on Experian/Clarity If Experian opt out all this fraud would not be going on

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 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX  XXXX  maryland a few months ago, it took an hour for someone to come and set up this phone. My mother added it to her account with XXXX, we also have XXXX  XXXX. The phone began getting alot of unknown calls for someone named XXXX about property investments. 
I assumed the phone was given a old customers number and i assumed the calls would stop coming in. They would come in all day while i was working. But usually stop once i got home and started using the device. I am worried about my XXXX XXXX  now and my XXXX, XXXX, XXXX, XXXX accounts and XXXX account. Emails can disappear right in front of my eyes and password reset emails will not come to my device. Settings change themselves the second i stop looking at the screen. 
All my personal health information has been having problems getting to my health care provider. Including calls for appointments. We are trying to verify all appointments with XXXX and the phone company for billing purposes and i am having a hard time getting a response everytime i send them email. I receive phone calls from someone claiming to be XXXX XXXX when i access my health care app. This must be a crime and fraud and i hope we can find out why this illegal account and identity activity is happening and who else is using a device with this information ... was my phone a clone or was the someone elses original phone a clone. I consider this a major crime and this type of activity will definatly cost lives durring a pandemic. Having someone know everything you do online and possible XXXX XXXX  crimes. 
I need an answer to this situation ... i was given false information by a health care provider and was given a tetnus shot when i asked for an anti body test. I felt like my body was going into XXXX  XXXX  ... somehow i survived and want to see this type of activitity ended. 
I am concerbed for all parties that have been given a cloned phone and can tell someone is extremely frustrated on the other end of my device. The setting constantly changing right after i change them. My password not working for the second device a minute later, my XXXX  XXXX  password changing and XXXX password changing. 
I need your help in this situation because im not sure my mother is aware of the illegal account activity and i cant seem to convince her it is happening. 

A very concerned customer and XXXX used, XXXX XXXX XXXX I am concerned my identification that i have sent over the internet may also have been compromised and intercepted when i tried to verify My identity on XXXX. It looks like some one hits the caps button while im typing or adds punctuation also.

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 2021-02-01 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: CA

Complaint narrative:
Dear Sir or Madam, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Today I called the number that I looked up on the computer and they hung up on me a couple of time after I press the number 1 to disconnect my card..and its asking me for my card number but I dont have it cause I lost my whole wallet..hoping to find it around my house but I still havent found it..and then I logged into my unemployment account to see if I could get a replaced card through them that way but I stopped cause it wasnt working either.

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 2021-02-01 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: CA

Complaint narrative:
XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially XXXX  since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with XXXX  and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.

Complaint narrative:
Dear Sir/Madam, On XX/XX/2021, I sent an amount of {$64.00} to my XXXX child-teacher for his online class. After eight days, the country 's recipient informed me that he has not received his fees and waiting. When I contacted the World Remit customer service line, I was reported that it is under security review, and my money transfer is flagged. When I spoke with the supervisor about my case, he assured me he would release my money in the next 2 hours and follow up with me. ( No call received from supervisor till XXXX ). The next day I called again and spoke with the different supervisor, and she assured me that if I would like to cancel my transaction, give us 24 hours. I called the next day after 24 hours again, and they gladly informed me that my transaction had been cancelled and we will refund your money back. Also, she provided me with a confirmation email and text msg. " Hold Cancel. '' The same day, I chose a different money transfer company, and they process my request in few minutes. After few hours, I received another text from World Remit that my money transfer is completed, and the recipient will get money soon. I called customer service and tried to talk again with the supervisor/duty manager, but they turn me away and said they would contact me at an unknown date and unknown time. I already spent three days in a row with this company and now not going anywhere with my case. As World Remit 's called security check, I felt like they target people based on their religious belief, race, and ethnicity. I felt like being one of the companies targets even I provided them with every information they needed. Now they transferred money when I decided not to use their services and lost {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially Transunion since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with transunion and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it

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 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: URS Holding, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I've sent a letter to a collection agency to validate and verify a debt of a mount {$1000.00}. The US Postal Office was unable to verify the collection agency address : ALLTRAN EDUCATION INC XXXX XXXX XXXX XXXX XXXX, IL XXXX http : //alltran.com/ ( XXXX ) XXXX It appears to me someone was trying to collect a debt by using my name as a debtor. Will you please look into it?

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 2021-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
around XX/XX/2017 a auto i was buying from credit acceptance was totaled in a car accident and my insurance paided them along with my gap insurance which covers whatever XXXX dose n't pay.at that time i had a payment due when it was totaled and that payment was a little over XXXX.they are still trying to collect money from me by saying gap dose n't pay for past due amounts, which it was not They now have my amount up to XXXX dollors and that it is past due over 180 days.They started charging around.. the day the car was wrecked. i feel this is very fraudulent.They were at XXXXdollors my last check on my credit report says XXXX dollors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NJ

Complaint narrative:
My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/2020, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX/XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. 

Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent will be served with a notice of Legal Process in 3 days from now

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
BBVA bank were supposed to submit a claim after my debit card number was stolen off of XXXX by XXXX employees. I submitted the claim on XX/XX/2020, and the rep told me he turned my debit card off permanently so no one could use it again and he claimed he ordered me a new card. A month went by and I called back to find out why I was still seeing charges to the old card, and why my account was negative, it was because they never Actually submitted the claim and instead ignored my claim and told their boss that they did not turn it in because they needed to update my address- which was a lie, they thought I forgot and tried to sabatoge my account, stole my closed card, and tried steal my claim from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ascendium Education Group
State: FL

Complaint narrative:
Fraud is what happen when it was XXXX XXXX then due to all the unscrupulous activity these people where doing they changed name to XXXX  and became 2 separate companies in order to save them self from their Investor and Department of Education who let the fraud take place. if you would like to know more about my case and refer me to an attorney that will be great .. My case is documented with the XXXX XXXX and my Loan is Null an void since the day they did fraud to me and my acct. 


now since the Original company knows there was fraud and they know I have the proof to how it as I have done to the XXXX XXXX they sold of the Null and voided loan to XXXX XXXX, which is just another front for XXXX XXXX XXXX they also own this business. Id like to get the Contacts for the Lawyers who represented the 10 Teachers in New York and have then speak to me. 

These people back in the days did allot of illegal things and it was because of me exposing them to the Fraud they where commiting they even changed how we could communicated with them .. I still have the old emails from my XXXX Acct that shows some of this fraud .. so they changed the way we had to correspond to them using there own portal that they later implemented so that borrowers could no longer hold evidence of communications and if you want to have them release it then now after they did all that .. it would require a Court Order how clever. 

anyways my story is true and for so many year has not been challanged by anyone but myself and the XXXX XXXX  but no legal Action .. Ofcourse we are all broke and credit harmed by all this scam and fraud that they are responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX credit bureau, 30-day late payment for the month of XX/XX/XXXX with Trans Union and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX  XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with Experian credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
This was the result of identity theft. I contacted Sequium Asset Solutions. Asking them to immediately delete this from my report yet it still remains its on, XXXX, XXXX  and XXXX  it needs to be deleted ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
Show late payment on my credit report was never late XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: FL

Complaint narrative:
On XX/XX/2021 at XXXX pacific time my debit card was compromised for {$250.00} My first alert was XXXX letting me know of the suspicious charge. I then contacted my bank CHIME to make them aware that someone has stolen my information to close down my card. I received an email from chime saying they denied my refund for the unauthorized charge as I shop with XXXX often. So because ive shopped with XXXX, its ok for my information to be stolen and used to make fraudulent charges. This is unheard of and Im requesting an investigation. This has put my family in a horrible situation. I trusted chime with all of my banking including child support payments and this is unjust and unfair. XXXX agrees this was a suspicious unauthorized charge and is shocked about chime bank reply. Ive included all emails from XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: SLM CORPORATION
State: GA

Complaint narrative:
Inaccurate unrecognized credit inquiry fraudulently done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation