vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have requests and updates on the attached XX/XX/XXXX letter from Chase. I am requesting a copy or at the least a summary of details of phone call reflected in letter on XX/XX/XXXX from XXXX. I am also requesting a copy and at the least a summary of details of the outbound phone call on same day. The phone number was never mine. 
In the attached, Chase requested list of fraudulent charges. The fraudulent charges started XX/XX/XXXX of {$450.00} to XXXX XXXX and all others after that. I was recovering from XXXX and faithfully making payments and not incurring any more debt. The fraudulent payments started one day after my payment on XX/XX/XXXX of {$220.00} on XX/XX/XXXX of {$2400.00} and made by phone. My payments were always on the web. Additional fraudulent payments were then made to circumvent Chases payment policy to exceed the credit limit up to {$12000.00}, {$5100.00} MORE THAN CREDIT LIMIT! 
Chase exacerbated the problem by not removing payments and charges. Then Chase charged off the card. I wanted to keep my card, continuing making payments on my debt. But now I dont have the {$5900.00} that was my portion. I am almost XXXX and dont have that money laying around. This problem was started by theft and fraud and view the {$5900.00} as fraud also. I had asked for return of cards but Chase isnt able to comply. What can be done? What are the options because my credit should be restored? Drastically discount the amounts due? 
Chase welcomed me to contact them to give fraudulent charges. Calling Chase is very difficult and it has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Chase to call the consumers when Chase is not so overwhelmed? My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — Government benefit 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: TX

Complaint narrative:
I had a XXXX charge that I tried to dispute so they cancel a card and sent me a new card and paperwork to dispute. I received the card and tried to activate and it wouldn't because they had froze my account. So they ask me to send my credentials which I did, and they said my Driver License was not acceptable, so I sent all information again every time they found another reason to steal my monies, this has been going on for over 2 months and multiple faxes to them and numerous conversation by phone. So every time I call they tell me I have to speak to a Supervisor and every time they hang up and it turns into I have to call back over and over again. All I want is my XXXX back I want the account close and a check mail to my resident which they have on file and my driver license info. This company needs to be investigated for fraud. I did every thing they ask of me and I still don't have my money. This is a dire situation I have rent food bills to pay and they rob me. now there telling me I have to send my w2 copies. I have sent my DL, birth certificate, social security. Why do they need my w2 ( which I don't have ) it sounds like they're trying to steal my Identity. What about the people that don't have the resources to know what to do. How many other customer have they done this to. This company has cripple me and left me with nothing, I lost everything over this

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 2020-10-25 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Account Number:XXXX On XX/XX/2020 I was advised by Santander customer service specialist to pay off the settlement in full for this charged-off Santander auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, XXXX, and XXXX  requesting to have this Account Number:XXXX Santander account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the week of XX/XX/XXXX I have tried dozens of times to release a freeze on my credit report. While successful on the other agencies, Equifax is a disaster. Every time I log into my account on myequifax.com to manage the freeze, I get a message that the action is current unavailable. This has continued EVERYDAY for a week. Then I tried to use the phone system, and each time I get through the maze of questions including particular amounts on my actual report, I get to the end of the line and get a massage that my request can't be processed at this time. This has happened several times despite my having the actual figures from my report available to respond to the questions. Then I'm told that I either have to fax or mail a bunch of documents in order to have the freeze released. Obviously mailing docs will take several days, so I opt for fax. Finally I got word that the report has been unfrozen. It should not be so hard to use a platform when I have all the needed info, but the on line system doesn't function for more than a week. I checked on line forums and have learned that the on line system has been unavailable since the early summer. Couldn't they inform us via their web site this is the case. I never asked for Equifax to hold my data. I would never frequent a company that performs so poorly, however, I want to get a new mortgage, and I'm told that I HAVE to get Equifax information. If they are going to make a business off of selling MY information, the least they can do is let me manage it as needed. Isn't this just the reason that the CFPB was created for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: AR

Complaint narrative:
I recently reached out to Transunion about unknown inquiries on my report. I have 19 hard inquiries showing on my report for dates that are dame day pulls or back to back dated pulls. I have no knowledge of these companies pulling my report, nor did I ever give permission for it to be pulled. The only 2 car financing that I approved to pull my credit is XXXX XXXX & XXXX XXXX which was yo be ran for approval through my bank XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX. I did not approve another company to pull my credit. This has caused a major problem. 
Car lots are doing this alot & hurting peoples credit badly. It needs to be stopped.

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 2020-10-25 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: NY

Complaint narrative:
Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to TransUnion, XXXX, and XXXX  requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, Equifax, and XXXX  requesting to have this Account Number:XXXX XXXX account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NY

Complaint narrative:
Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, XXXX, and Experian requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia financing company continued, throughout our car loan, to put missed payments on our credit, which were not late. Additionally, the car in XXXX was totalled and they still continued to put late payments on our credit.. We were then unable to reach the company by phone or in person. Over 3 months later the issue was resolved, though they would not remove the late payments from our credit. The car was paid in full to Kia and the check cashed on XX/XX/2020. I just received another late payment notice on my credit for the month of XXXX from Kia finance. Every time we have tried to call we get a recording saying that due to Covid they are not taking phone calls.

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 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth Financial Systems placed a frivolous debt on my credit report in which I do not owe the company. I have never done business with this company and never even heard of this company before.

Commonwealth Financial Systems violated the Fair Debt Collection Practices Act ( FDCPA ) by placing this debt on my credit reports without even sending me a Dunning Letter! 

I have never spoken to a representative from this company nor have I received any type of correspondence from them, but they placed this frivolous debt on my credit files anyway. 

There is no contract that is binding me to this company. I have never received any sum of money nor merchandise from this company. They are unlawfully trying to collect money in which is not owed to them. 

I mailed Commonwealth Financial Systems a letter dated XX/XX/2020, for them to delete this debt from my credit file as they already violated my rights as a consumer and not in Compliance with the Metro 2 reporting systems in which they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
My XXXX XXXX XXXX card issued by First National Bank was closed by the financial institution on XX/XX/2020. I did not receive any warning or notification that the account was closed, but only realized it when my card was decline when I tried to use it. When I called in, I was told that it was closed because there was too many recent inquiries on my credit report, which I explained was a result of my two recent back to back refinances on my mortgage to try to take advantage of the declining interest rate environment. Given that this is not an unusual thing for people to do in such a rate environment, and no new debt was established, I requested that the bank reconsider this decision. However, they insisted that this decision is final. I believe that this is unfair practices, and I believe that the bank should have informed me and offered me a chance to explain the situation prior to taking such an adverse action. This account and none of my other credit/loan accounts have never been delinquent, and my revolving debt to credit limit ratio has never exceeded 10 %. I have accumulated nearly 34,000 points through spending on this card and I have now lost access to these points.

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 2020-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I have a online account with square and also a debit card.Somebody was using my debit card and I Immediate reported as fraud. I contact Square by phone multiple times on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and each time They are telling me that I'll get the money back and somebody will contact me in 2 days, but nobody did.Last time I spoke with XXXX manager at square and she was able to give me some of the money back {$3900.00} But they are still holding {$7200.00} with no explanation and no reason Or when I will get the money back They keep saying that somebody will call me in two days and it's under investigation. They are scamming me!! and therefore I'm asking the CFPB to step in and take admittedly action against Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a TJX Reward Card through SYNCB. Around XX/XX/2018 there is a transaction from a Vendor by the name of XXXX XXXX XXXX. I have contacted SYNCB TJX Rewards fraudulent dispute department advising them of that fraudulent charge. They said ok we are going to replace your card and dont worry you will not be responsible for that charge. About three months later I received a letter from their investigation dispute department and it said that the dispute was in my favor and the good news was that charge never posted to your account. Since then I have contacted them to advise that upon receiving the past statements that they did post the charge for around {$890.00} or around {$900.00}. Since then I have yet to receive any credit for the fraudulent charge.

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a Citicard that is currently in forbearance due to Covid. My credit is good and I call them monthly. Just got email they are decreasing my card limit to amount I owe. This will hurt my credit score will be at 95 % use of card. Card was at XXXX limit. I owe about XXXX. Now they're decreasing card limit to XXXX effectively closing this card for any use. They have horrible customer service even though I've been in good standing over 20 yrs and am a XXXX. They did this to me last year too and harmed my credit. I thought with Covid card companies were supposed to help consumers? No other card company has done this just Citi.

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 2020-10-25 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would.

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 2020-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I used the " E-Check '' service to pay my XXXX XXXX XXXX account with prepopulated information. Somehow the 3rd party, FIS who is contracted by XXXX XXXX XXXX to handle these payments caused an error. My payment was " returned '' and subsequently I got a notice stating that an other account ( with a name I am not familiar with ) had the payment bounce. My bank shows no record of even a payment being attempted. Now I have incurred a {$30.00} fee for a " returned payment '' when it was not even my account. It seems impossible to actually call or contact FIS at all. XXXX XXXX simply claims it is a {$30.00} fee because " our 3rd party charges it ''. 

There are several issues with this. XXXX, no payment attempt was made. 2. privacy issues have been breached with someone else 's account being mixed up with mine. 3. a {$30.00} fee charged to my account when there was never a payment attempt is a violation of Tennessee law and also a violation of UDAAP under Dodd-Frank. FIS has no reason to charge me a {$30.00} fee. It is ridiculous there is no way to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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:
XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611.

Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute.

Your lack of immediate response clearly violates my rights according to 605B. 
I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. 
Transunion has deleted the reported information, and blocked the reporting of these from my current report. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and XXXXurnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). 
Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. 
The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action.

I appreciate your prompt attention to this matter Sincere regards, 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 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!

Company response to consumer: Closed with explanation