vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX and again today ( XX/XX/XXXX I have been completely locked out of my American Express blue bird account. I cant access via mobile or website, no online purchases and can not take money out of the atm. No one answers the customer service number and when they do they give a quick rehearsed speech then hand up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-13 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
They are attempting to collect debt on an auto loan that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It is my belief I was discriminated against by JPMorgan Chase Bank, N. A. in applying for a home loan. This discrimination was based on their not wanting to honor a promised rate. 

During of the application process they called personal contacts and asked disparaging questions that caused concern, disregarded legitimate documents, instigated 5 separate credit inquiries damaging my credit score. 

All statements I provided were true and honest. 

Statements in the denial letter were inaccurate. 

I am asking that you review that matter with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card is showing that I owe XXXX dollars on my credit report, but they filled a XXXX cancellation of debt in XX/XX/XXXX for the XXXX tax year on this. 
They cancelled the debt so it needs to be zero 'd out on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Re Bank of America CC to XXXX XXXX XXXX, No. XXXX 1. This card was solicited by fraudulent offer. The offer was a {$100.00} discount from XXXX XXXX, which was never provided. 

2. The dispute involves BoA second fraudulent actions when I attempted to call them three times to cancel card ( each time it took 15-45 minutes to get an operator, after fighting through a menu to nowhere ) : a. The first time, intake stated she was agreeable to canceling card and all charges but could not do so even though she could see that the train ticket was canceled, it had not yet entered their system. 

b. The second time I called intake again stated that he would be glad to cancel all charges and the account, and then informed me, with out asking my permission, to transfer me to someone else to do this, and, after he transferred me, the bank 's system dropped the call. 

c. The third time I called, and went through the interminable menu, the recorded voice told me to call again later. 

Bank of America appears to be following the discredited policies and practices of XXXX XXXX of generating faux business, and, notwithstanding all their operators assurances that the charges and card would be canceled, they have dinged my credit card at the same time I am attempting to get a mortgage, at great expense to me. 

Do you have a way of getting their attention and not being hung up on, because, I am being injured right now significantly by a bank committing repeated fraud. 
How can your complaint be satisfactorily addressed?

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 2020-04-13 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: TX

Complaint narrative:
Chase credit services, closed my account with no objective reason. I have not had a late payment with them. I always followed all the rules. I received a letter saying that they are closing one of my credit accounts with a fictitious reason ( Got access to an offer that was not directed to me ). I don't think chase can confuse and mislead their customer into applying to offers. This credit card offer was given to me after I logged in into my personal chase checking account. I have written to there executive office and made multiple calls. The so-called executive sovereign department is like an unreachable institution for the regular chase costumer. They take your request through a phone service and then you wait and wait for there blessing. I have offered to send bank statements and other documents to demonstrate that I am a good payee etc ... But to no avail. I request my account to be immediately reopened and my credit line restored. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TN

Complaint narrative:
To Whom it May Concern : I was charged {$52.00} on XX/XX/2020 by Macys, to my Macy 's credit card for an in store purchase. That purchase was made by an individual who has stolen my personal information and was/is using it to make multiple other purchases ( car ( s ), musical equipment, applying for an apartment, etc ). 

On XX/XX/2020 Macy 's provided a confirmation statement that they were reviewing my submitted dispute, and that their investigation could take 45-60 days to complete. This document also advised that I not pay any charges related to the disputed items purchased ( {$52.00} ). 

On XX/XX/2020 I was charged a {$27.00} late fee and on XX/XX/2020 I was charged a {$2.00} interest fee. Again, on XX/XX/2020 I was charged a late fee, this time of {$38.00}. On XX/XX/2020, I was charged an interest fee of {$2.00}. 

Presently, my Macy 's account shows that I have a balance of {$120.00}, and that will increase when I do not make an XXXX payment. On XX/XX/2020, Macy 's was officially outside of the 60 days window they had provided for completing their investigation. 

I submitted a second dispute to Macy 's and received an identical notice that they were working to resolve the issue, this time dated on XX/XX/2020. Since that time, I have called their customer service line several times, only to be told on each occasion that there were/are no agents available to provide an update on my case. I have also received multiple phone calls from Macys ' banking partners seeking collection from me for the balance, which I am not liable for. 

Because of this ( and corresponding actions made by the individual who stole my private information ), my credit rating has suffered significantly, preventing me from being an active creditor in the marketplace. I have not been able to purchase a car when necessary, and I have not been able to move forward with purchasing a home while moving jobs, cities, and states. I have been given no update on when Macy 's will be able to resolve the issue, and because of that, can not make responsible plans for the future.

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 2020-04-13 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: OH

Complaint narrative:
I was at XXXX XXXX  today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # A XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: OH

Complaint narrative:
I was at XXXX XXXX  today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in XXXX addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The XXXX fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX SUMMIT XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX  XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: LA

Complaint narrative:
My prepaid card has not been activated and can not be used. Ive not gotten any assistance in getting this done. The Netspen VISA Card company doesnt answer the calls. And the XXXX XXXXustomers service representative hang up on you while explaining the problem youre having with the card. This has been  going on since XX/XX/2020.

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 2020-04-13 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: LEXISNEXIS
State: OH

Complaint narrative:
I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XX/XX/XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: MA

Complaint narrative:
On XX/XX/2020, I received a call from the Citi early warning fraud department about potential fraud on my Citi Doublecash card. I logged into my account ( in case the call was a scam ), and there were 4 unauthorized charges on my account. 

All charges were posted from the same date ( XX/XX/XXXX ) : XXXX {$16.00} XXXX {$15.00} XXXX {$15.00} XXXX.TR XXXX XXXX {$24.00} The customer support rep confirmed that all 4 charges would be canceled/refunded and my card closed and a new one issued with a different account number. I did receive the new card on XX/XX/XXXX, activated it, and used it. I logged into my account today ( XX/XX/XXXX ) to pay my bill, and 3 of the 4 fraudulent charges are still there. 

I have called 3 times today, for hold on each call for at least an hour. When I finally get through to someone, they transfer me to the " Security Department at XXXX '' but I just get fax machine noises and the call drops. I've been on the phone for almost 4 hours straight. I have tried the online chat function, but nobody answers. I can't even dispute the charges myself because they're >2 weeks old since they were supposed to be taken off my bill when I called after CITI let me know about fraud. They didn't remove the fraudulent charges that they had notified me about!

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX FRAUD CLAIM LETTER OF XX/XX/XXXX {$470.00} ALLEGEDING TEMPORARY CREDITS MADE PERMANET. ( they were Not ) see attatched XX/XX/XXXX statement ONLY CREDITS ARE FROM MERCHANTS. THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET.??? see attatched OTHER FRAUD REPORTS of transactions reported fraud other months of XXXX. XXXX, XXXX, XXXX, XXXX *Claiming I need do nothing and usaa will pursue this as fraud. I DID NOT GET A LETTER OR ANY NOTICE OF THE RESULTS ONCE INVESTIGATION begun. XX/XX/XXXX &, XX/XX/XXXX, XXXX, XXXX, XXXX WHEN DID THESE INVESTIGATIONS COMPLETE? WHEN WERE TEMPORARY CREDITS MADE PERMANET? Kindly Note THE XX/XX/XXXX {$470.00} CREDITS TOOK A YEAR TO MAKE PERMANET. KINDLY NOTE THE XX/XX/XXXX PERMANET CREDITS WERE NEVER PROVIDED XXXX. I HAVE BEEN HELD LIABLE FOR ID THEFT from XX/XX/XXXX - XX/XX/XXXX. See attatched ID THEFT case XXXX. USAA DESTROYED MY CREDIT WITHOUT FRAUD CREDITS PROVIDED. THIS 35 YEAR MEMBER CONSUMER IS 100 % LIABLE FOR FRAUD WITH USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Greetings, I have settled with Wells Fargo but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. Wells Fargo 2. XXXX XXXX  3. XXXX  4. XXXX  I really appreciate your assistance in removing these negative items from my credit report. 

Thank you. 
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