vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am the victim of an employment scam. I received a check of {$2900.00} from the fraudulent company on the XXXXXXXX XXXX XXXXXXXX. 
XX/XX/XXXX funds for a check that XXXX mobile deposited was available for use. I transferred a set amount of {$2800.00} to another person as instructed by the fraudulent company. By the morning of XX/XX/XXXX the funds were transferred and then the check was bounced. Causing an additional {$2900.00} to be taken from my account leaving my account balance to be in the negative of {$670.00}. I proceeded to call my Bank to report the situation and was told nothing could be done for me and that I was at fault for not knowing the check was a bad check and that their Fraud department will be unable to help. As well as not waiving the overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I noticed of Cards opened through XXXX 's ( XXXX  ), Norstrom ( XX/XX/ ), and Tagert ( XX/XX/XXXX XXXX 
The only charge I was sent a receipt for was Nordstrom with a charge of {$240.00} They were all used to make purchases in the XXXX area. 
Norstrom- XXXX XXXX OH Target- XXXX XXXX XXXX XXXX XXXX The individual has all of my personal information including my ss number, phone, address, email, and phone number. 
I have contacted all three and had the account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
2 months ago the bank ( HSBC ) shut my account down. They said that they were closing the banking relationship and that I would receive a letter of explanation and the money held in my account. I have called numerous times and set appointments with my account manager. He met with me on the phone and said that the money and letter should have already gone out. This was a mbout a month ago. Since that meeting via phone, I have set up 3 other phone appointments in which he didnt call me. I have left multiple voicemails which he hasnt returned and I also talked to customer service on several occasions with no resolution. Each time I am told that the letter/check are in processing but they cant give me a date as to when it will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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:
I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Dear [ Creditor or Credit Reporting Agency ], I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
Ex wife defaulted on a medical debt. Company tried to get me to pay. Notified them debt was not mine. They sent it to collections. Asked for validation, collection company sent a copy of contract signed by ex-wife. Sent Collection company a response with proof of divorce 10 years prior to date in XX/XX/2023. To date collections company has neither acknowledged nor corrected the error.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
The Installment Loan from Affirm was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting Affirms customer support, my problem was not resolved. 

When disputing with XXXX, the investigation led to Affirm refusing to properly update the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, I received a letter from Chase that they were closing my credit card account. They refused to offer a reason. My complaint is that I was charged a {$550.00} annual fee in XXXX for use of the card. Since they closed my account, I can't use the card for almost all of 2023, but they are refusing to credit me for the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collection Items found own report that are not mine. 
Original creditor : XXXX XXXX Account name : XXXX XXXX XXXX Account : XXXX Amount : {$1200.00} Original creditor : XXXX XXXX Account name : XXXX XXXX  XXXX  Account : XXXX Amount : {$910.00} Original creditor : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account : XXXX Amount : {$630.00} Original creditor : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX Account : XXXX Amount : {$6.00} Original creditor : XXXX  Account name : XXXX XXXX XXXX Account : XXXX Amount : {$390.00} Inquiries do not belong to me. 

Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Date : XX/XX/XXXX Creditor Name : XXXX - XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: AL

Complaint narrative:
They are reporting this account as PAID AND CLOSED! Its reporting negative on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TN

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXXXXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to Privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I am the executor of the estate of XXXX XXXX. He had a mortgage loan with Freedom Mortgage. The loan number is XXXX. XXXX XXXX is deceased. This loan was paid in full in XXXX, XXXX. I have received the release of mortgage form. However, Freedom Mortgage continues to charge and deduct a monthly mortgage payment and refuses to discuss the issue with me.

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 2023-03-29 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: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Enhanced Recovery. Enhanced Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a few credit cards on my account that tried to work with the consumers by paying some that were mine and trying to resolve what wasnt mine a fair resolution would be to remove from credit its old its a back and fourth situation and it has to have an end XXXX XXXX XXXX {$740.00} / XXXX XXXX XXXX is attached to them also XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX  $ XXXX XXXX XXXX for $ XXXXcapital one  {$570.00} just a bunch of cards just used under my name I need serious help in getting some of this deleted and me calling them and paying for now 7 credit repair companies Im tired and this is my last place to look for help thanks to whom this may concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
XX/XX/2023 I received XXXX And they have me as I borrowed XXXX. 
Not right im on a fix income

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Bridge crest is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MI

Complaint narrative:
in accordance with the FAIR CREDIT REPORTING ACT ... XXXX  ACCOUNT # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason

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 2023-03-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason

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 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
In XXXX, XXXX  my information was used to open a credit card with XXXXXXXX XXXX XXXX. The amount was {$2800.00}. I never received a card nor was aware of this debt until XXXX of this year when I looked at XXXX and saw that I had a past due collection report for this amount. I have disputed this with all credit bureaus and the FTC. I continually check but it remains as a collection account with LVNV Funding LLC. I have attempted to speak to XXXX and XXXX but to no avail. I have also had my lawyer contact the parties involved but the fraudulent charges remain in collection with LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I do not recognize these inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX  Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX  XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Collections that don't belong to me Original creditor : XXXX XXXX XXXX Account name : XXXX  Account : XXXX Amount : {$660.00} Original creditor : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account : XXXX Amount : {$630.00} Original creditor : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX Account : XXXX Amount : {$6.00} Original creditor : XXXX  Account name : XXXX XXXX XXXX Account : XXXX Amount : {$390.00} Original creditor : XXXX XXXX Account name : XXXX  XXXX XXXX  Account : XXXX Amount : {$910.00} Original creditor : XXXX Account name : XXXX XXXX XXXX XXXX  Account : XXXX Amount : {$1400.00}

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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/2023, I have sent {$250.00} to XXXX XXXX XXXX XXXX  account and the money has never been available. I have contacted Moneygram multiple times and they told me that the money was available but the receiver, XXXX reportedly stated that the money has not been available because the money never lands in her account. I have contacted Moneygram multiple times and the Moneygram did not resolved my issue

Company response to consumer: Closed with monetary relief