vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Starting XX/XX/year>, I was a victim of identity fraud and knew it. Personal information was taken and used to open credit cards. As soon as I found this out, I filed a police report and explained the situation to all the credit card companies via phone and resolved the issue ; Except with Capital One. I have called them multiple times over the last three years explaining I was not the one using it. One worker even admitted he saw the activity happening as I was on the phone with him, proving it wasnt me. After multiple calls, talking wasnt resolving the issue. They kept telling me they havent gotten to my file yet to fix the matter. I sent a copy of the police report by mail and I even called a week later to verify they received it and they personally told me over the phone it was enough evidence to prove it was not me. I would not have to pay {$600.00} in credit card debt. The account was closed and I thought the matter was resolved, but yesterday I opened XXXX XXXX and it said {$600.00} was sent to a collection agency by Capital One. They did nothing to solve the problem and have been giving me the runaround. I am hoping you can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
Bank of America has been a pain I filed a fraud case on the account on a card I never received back in XXXX they open a claim finally in XXXX jus to deny it I gave them everything thing they needed for claim even did the research for them and yet they still dont wan na reimburse me Im a victim of fraud and its unfair yall knew since then

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2024-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MS

Complaint narrative:
J.J. Marshall & Associates , Inc. contacted me via mail stating they are trying to collect the sum of {$950.00} on a loan that I never had or applied for. I spoke with a XXXX XXXX XXXX XXXX a representativeXXXXJ.J. Marshall 's, at XXXX this morning XX/XX/XXXX and vehemently denied applying for or receiving any funds from the lender XXXX  XXXX XXXX XXXX XXXX XXXX 
I have never received anything from this loan company requesting payment. The loan agreement funding date on the remitted paperwork states XX/XX/XXXX with the alleged first payment scheduled for XX/XX/XXXX. No such funding or payment was ever attached to my bank account in the past 4 years, ever. 
Please assist for they have my banking info and address. I instructed XXXX XXXX 's I would be reporting this fraudulent activity and how upset I was regarding this matter. 
Thank you for your time and will be anxiously awaiting your response.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
FIFTH THIRD BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies XXXX, and XXXX do not have my consent to furnish this information, per privacy act of 1974.I am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX I recieved a letter from XXXX XXXX XXXX, ( a collection co ) stating that I owed {$29000.00} for charges on a credit card with a account ending in XXXXThey said it was on a Discover Card. I have never had a Discover Card.The open date is XX/XX/year>. The last payment was made on XX/XX/year>. The acct. was opened by XXXX XXXX XXXX with a address of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX. My name is XXXX XXXX but I have never been in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Thank you for providing the validation documents for the debt associated with CAINE & WEINER COMPANY Account Number : XXXX. 

I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T bank delays sending out the billing statement for the auto loan I picked up nearly a month ago. 

A used car loan was signed on on XX/XX/2024, as of XX/XX/2024 I have still not received loan payment information. 

I contacted a branch on XX/XX/2024 to ask for a copy of billing to be sent out. 

On XX/XX/2024, I contacted M & T bank through their XXXX number. The agent is telling me that they can only send a statement after 30 days in their system. 

It seems that M & T bank is using business practices to force used car sales into default and misdirection of information to cause a missed initial payment. 

Please ask M & T bank to explain why it takes 30 days to notify the customer on their financial relationship? 

Please catalog this tip with others discussing M & T practices of causing delay of information related to customers making payments.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am in the process of purchasing a home. XXXX is reporting several accounts to credit bureaus as open with balances and that is not true. XXXX transferred my loans to XXXX in XXXX of 2023. Thus my nelnet balances are XXXX and the accounts are closed but XXXX is inaccurately reporting to the credit bureaus that I have open accounts with balances. I submitted a dispute with the credit bureaus and they determined I need to reach out to the provider. I submitted a dispute to XXXX via certified mail with supporting documentation and they still have not corrected the errors.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am not liable for any debt with XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, XXXX the Deletion of this item from my credit file. I am attaching a notice of deletion from 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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I received a notice from a debt collector saying the debt would be submitted to the credit bureau for negative reporting. The amount is {$490.00} and the letter is dated XX/XX/2024.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

Experian finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

XXXX finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXXXXXX XXXX XXXX attachment is before the reinvestigation** *XXXX XXXX XXXX  attachment is after the reinvestigation**

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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I am being sued by XXXX XXXX for the charges ; However, I was scammed! It lasted XXXX months and I am not responsible for these charges. I have also placed a police report. This person claimed to be named XXXX XXXX and he contacted me via XXXX. I am happy to answer any other questions you may have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I made an online XXXX XXXXXXXX order for {$35.00}. I have my paypal account linked to my online XXXX  XXXX account. I made the transaction but the website stalled and kept spinning. I got a text message saying my card was charged but I never got a confirmation email from XXXX  XXXX for my order nor is it in my order history. The webpage just kept spinning like it was frozen. So on XX/XX/XXXX I went to XXXX XXXX and explained and they have no history of my online XX/XX/XXXX order. Paypal denied my case saying the order was successful but it was not. I have no receipt, XXXX XXXX has nothing and it seems like PayPal didn't even contact XXXX XXXX to confirm that there is no order at all. I called them XXXX about my case and on XXXX my case was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was awarded more than XXXX Citi Thank You points from both a Citi Premier sign up bonus and points from regular spend. Citi advertises this as being worth more than {$600.00} in travel when booking through their portal. I have tried to book hotels through said portal, however the booking keeps failing. The card works for all other merchants ( online and in-person ). Both representatives from Citi card/bank and the Thank You team are unable to do anything about it, and keep passing the buck to the XXXX party XXXX XXXX when the problem lies with CitiBank to allow Citi XXXX XXXX XXXX clear. Again, the card is not blocked/locked/frozen etc. They also claim the CVV and expiration date are wrong, when even the Citi rep can't book it over the phone manually. So, the best I'm able to use these points for is to pay for purchases, however this is worth less ( ~ {$450.00} ). So, I conclude that Citi 's claim of {$600.00} is false advertising in this case unless they can rectify the situation.

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a complaint against Chase Bank XXXX I purchased airline tickets from XXXX pre pandemic on my debit card. We never took the flights and XXXX gave us a refund. Chase is saying they never received the refund which was sent on XXXX. The original debit card i used was closed out and a new one was issued sometime in XXXX XXXX XXXX. I have the XXXX transaction numbers from XXXX showing that transactions. I also have receipts from XXXX showing the refund to Chase. I have been back and forth with Chase countless number of times to no vail. Just yesterday I spoke with a Chase XXXX and they said I needed to file a claim.. After all this time it is the first time chase is telling me I need a claim but it may be too late as it is longer than 2 years There are 3 different transactions for 3 separate tickets. The amount of all 3 transactions is over {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a debt collection for a XXXX XXXX XXXX. I called XXXX XXXX multiple times trying to get issue resolved and kept getting transferred to the charge off deot where each time I had to leave a voicemail.It took multiple voicemails before anyone ever called ne back so finally I spoke to soneone who did a XXXX settlement and rokd me to call back with the control number once I paid which I did so on XX/XX/XXXX I called XXXX XXXX everyday since then to verify if money was received and was sent to the same voicemail.Today when I called XX/XX/XXXX at XXXX I spoke with a man who cut me off mid srntence and told me I need to go to the same dept who I have called everyday since XX/XX/XXXX and when I advised him I had left multiple messages he just transferred me where I left another message then called back customer service 2 times and someone picked up and didnt say anything then hung up.

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