vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My ATM Debit card was used to make unauthorized purchases. The purchases occurred on XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I realized that my ATM Debit card was missing and I reported this to Bank Of America. Bank of America opened up a Fraud Claim. I also went to the police department and filed a theft report. After hearing nothing from Bank of America on my fraud claim, and receiving no funds back into my account on XX/XX/2020 I called Bank of America and they told me to send them a detained explanation of what fraud occurred, and to include a list of the transactions that were fraud. On XX/XX/2020 I faxed Bank of America the requested explanation and transaction list of fraud. On XX/XX/2020 I received a letter from Bank of America dated XX/XX/2020 in which they denied and closed my fraud claim. On XX/XX/2020 I call Bank of America fraud department and expressed total dissatisfaction with the denial of my fraud claim. The bank rep. re-opened the fraud claim. I continue to wait for resolution from Bank of America. XX/XX/2020 I called Bank of America fraud dept. and got no where. Therefore I faxed another letter to Bank of America XX/XX/2020 with and the repeated details. I called Bank of America fraud dept. on XX/XX/2020 and spoke with rep. in TX named XXXX, he stated to me investigation looks good and they have issued provisional funds. I called Bank of America fraud department on XX/XX/2020 spoke with XXXX and she re-opened the fraud claim, ( she told me it had been closed ). On XX/XX/2020 I sent another fax with letter to Bank of America Fraud department and attached transactions that I say are fraud. In the meantime I was unable to log on to my bank account and found that Bank of America had sense closed my account. I received a letter from Bank of America dated XX/XX/2020 telling me my account has been closed. It is now XX/XX/2020 and I have be left without any money to live on, I had {$55000.00} in my bank account this does not including what was taken from me in fraud. Bank of America has not given me my money, they have closed my bank account and most importantly not honored my fraud claim. It is important to mention that since filing my thief report with the police department they have investigated, found evidence of theft from video surveillance cameras, identified a perpetrator and sent the file to the district attorney.

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 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-06 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: TX

Complaint narrative:
XXXX misspelled my name and XXXX  and experian can't get my correct addresses EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ADDRESSES REPORTED XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is correct wrong address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX wrong name spelling 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 explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX I sent a payment of {$30.00} to the seller ( scammer ) because that was how much the product and shipping were. On XXXX XXXX : XXXX XXXX  the seller said that the package was on hold and that I have to pay {$30.00} more to have it arrive by Tuesday, other than that I had to wait 6 weeks. I didn't accept his offer and waited until XX/XX/XXXX, XXXX XXXX, he asked for his tip before I had received the product, I said no to that, till he said that I had to pay him {$19.00} for shipping because he said he had paid it for me, this was around XXXX on XX/XX/XXXX. Soon on XX/XX/XXXX, XXXX XXXX, he said that he ordered a package that I assume was related to mine and said he needed {$60.00} to repay for some shipping problems, which I reluctantly agree or he would have the power to deny the package to me. After that, he decided to run off with the money by blocking and cutting contacts. I have evidence of these transactions and messages, plus contact info of him. So may please read this and keep the mind of this. I don't like people who would scam during a pandemic that took away tons of jobs while he just scams and gets the money. I can send the evidence through email because there is a lot of it, so I want to be able to send it all through XXXX XXXX at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Fraudulent charges for added services were made by XXXX XXXX  XXXX XXXX for services unknown, not understood, and not to my consent. This collection has been opened through other previous collection agencies and has been removed twice from my credit reports. Now Aargon Collections Services has contracted this collection and claims this is verified. This is not a rightful collection and I refuse to ever pay this fraudulent debt ever. They are repeatedly calling my phone with a robot dialer harrassing me while at home and causing interuption at my work place.

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 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: CA

Complaint narrative:
Hi! I had a membership to a fitness club back in XXXX of 2017. I called to cancel the membership on before XX/XX/2017 so that they would not continue to charge my credit card. When they charged me again on XX/XX/XXXX, I spoke to the manager XXXX. I explained to him that I was calling to cancel membership ( again ) because I was visiting out of state family. 

I never heard anything more so I did not foresee a problem. 

Today I received an email from a credit agency trying to collect {$220.00} from me. I called them but they insist I owe this money. 

This fitness center went out of business so there is no one to contact at the fitness club. 

I do not owe this money. This membership was cancelled and they are trying to collect money NOT owed. This was a month to month gym. There was no yearly contract. 

This credit agency is ruining people 's credit. The easiest thing would be for me to pay but this is not right. How many other people are they doing this to. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. Chase has lowered my credit line. My score dropped to the low 500 's from high XXXX XXXX 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

Synchrony has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low 500 's from high 699 700 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.

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 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Pnc wont allow XXXX anymore. Needs to be fixed. Cant even connect to XXXX  either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
We've been trying to work with Western Alliance Bank/Bridge Bank for the past couple years regarding our accounts. We were forthcoming with them that we needed to restructure our loan because we were unable to make the exorbitant payments they were requiring us to make. Up until the pandemic, we were ABLE to still make the minimum payments due. After the pandemic, we were unable to make the minimum payments due. As a result, we just received a notice from their legal counsel DEMANDING payments of the full amounts due!

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 2020-08-06 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}

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 explanation
Consumer complaint received 2020-08-06 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}

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 explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
My name is XXXX XXXX and am filing this complaint myself without any help of a attorney or credit agent, i am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft ACCOUNTANT NAME : XXXX/XXXX  Account number:XXXXXX Date opened : NOT SURE Experian Report Number : XXXX ive contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identitytheft.gov ( XXXX ) XXXX which told me that was not true so I resent my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 7 years i recently spoke to Experian Identity Theft department and they told me my credit file was mix up with someone else & that they would fix it! still haven't seen 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 non-monetary relief
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX   XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Phone number XXXX XXXX XXXX XXXX XXXX called me attempting to collect a debt. They did not want to provide basic information about their company. I knew instantly they were fraudulent and hung up on me countless times for questioning their legitimacy. Diversified Adjustment Services needs to be stopped. The company harasses and calls multiple times a day. This company is not legit and clearly a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called XXXX XXXX XXXX via Phone ( XXXX ) XXXX, and conversed with XXXX XXXX who has assisted me with addressing me with contacting Trans union who failed to have 4 previous and present loans with XXXX XXXX XXXX not presently on my credit report and there is a 70 point descprencey, and my credit report is not a 100 percent and want to ensure it's accurate. I have enclosed documents from my credit report from XXXX XXXX as well for forward documents with Ms. 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 2020-08-06 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: GA

Complaint narrative:
im a victim of identity theft there are several accounts on my credit report that ive disputed but the credit bureaus have not removed these accounts ive filed a report with the ftc and a police report as well

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 2020-08-06 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:
im a victim of identity theft there are several accounts on my credit report that ive disputed but the credit bureaus have not removed these accounts ive filed a report with the ftc and a police report as well

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
During my XXXX XXXX XXXX  vacation while I was out of town ( XX/XX/XXXX/XX/XX/XXXX ), my mortgage loan was sold from XXXX to new rez mortgage. Loan # XXXX. Upon opening my mail to be informed my automatic payment for my bank had already been sent for my XX/XX/XXXX payment. That payment was never received by newrez, or returned to my bank account and my mortgage has been in arrears since then. I called in XXXX XXXX XXXX XXXX XXXX XXXX sent numerous emails. I have sent proof and I cant get any response from anybody over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my reportXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$33000.00}

Company response to consumer: Closed with explanation