vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax XXXX & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My account is restricted and I have no access to my money. I need the restriction lifted. I received a loan for ppp and they locked my account because They needed to know where the money come from. I faxed my loan documents to them as they asked. I just need my money, I have kids and bills to pay.

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 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On or about XX/XX/2021, I received a phone call from Hyundai Motor Finance. I invoked my rights under 15 USC 1692 ( h ) and ( c ). I asked them to validate this alleged debt and cease and desist collection and the harrassing phone calls, until that was completed. I was put on hold for 43 minutes, I hung up. 
On XX/XX/2021, I was contacted by XXXX at HMF, and when I tried to invoke my consumer rights she laughed at me, said I needed to bring a balance current, and that she was trying to help me before I lost my car. I invoked my rights pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( h ). She left me on hold a total of three times when I asked for management, she yelled, she laughed and mocked me, she then, after two hold periods, said she would put in my cease and desist, because I was " throwing codes at her ''. While laughing, saying that this wouldn't matter. I asked her to validate the alleged debt in writing, ultimately, after 42 minutes, I was transferred to XXXX, who said that I need to bring the balance " current ''. I invoked the same US codes, and he said he was ending the call. I do not feel this was lawfully or satisfactorily resolved. I felt harrassed and ridiculed. I have since sent an affidavit to the CEO XXXX XXXX by certified mail number XXXX. I also forwarded a complaint about my treatment. Again, I do not feel this was resolved. 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 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Upon checking my credit report with XXXX, I noticed a collection for {$82.00} placed by CREDIT COLLECTION SERV. I do not know what this debt is and have not received anything in the mail from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have an account since 2017. I went ahead and changed my bank account for deposits and withdraws and they have blocked me out every since. I have been putting in complaints and made complaints with the XXXX  several times. I have contacted support many, many times over the last six months regarding my issue never to be answered. No email, phone contacts or anything. I have lost alot of money because it took me three months to figure out that I could transfer my coins out of their system and I haven't been able to buy or sell. I have done 42 ID verifications as I was directed to do throughout this whole ordeal. I want my account fixed and anything they can do to help track and possibly compensate my for my losses. There should be NO COMPANY in the world that should be aloud to get away with not offering support. Especially after hundreds of attempts over a 6-8 month period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have disputed this debt numerous times for validation, and keep receiving updates as it has been validated but no proof. There is no signature, no contract, no proof of the bill, and no validation of the debt. There are two accounts from credit systems intl on my credit showing opened in XXXX for a utility bill, however I was not in that city in XXXX I was living across the state from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Wilmington Savings Fund Society DISCRIMINATED AGAINST ME along with the servicer they hired. Their servicer XXXX XXXX XXXX in an attempt to hide the discrepancies in my loan repeatedly sent illegible ledgers showing the payments made and where they were applied. Meanwhile claiming there was no record of any payments on the modifications. I repeatedly disputed the validity of the balance due to every servicer, the law firm, and the referee only to have my disputes ignored. Their law firm submitted fraudulent and false documents affirming the amounts due were correct. The amounts affirmed by XXXX employees are incorrect. XXXX has admitted in bankruptcy court they did not verify loan balances yet they lied to the court and said they did. XXXX also did not validate the amounts due. They even purchased my loan proceeded to foreclose on my home without a valid assignment and ignoring a modification in place. They discriminated against me and denied me my legal right while their servicer and law firm XXXX XXXX XXXX XXXX  committed fraud upon the court anyone with a foreclosure being brought by XXXX XXXX XXXX XXXX should review their paperwork. I reviewed dozens of their cases many had document issues.

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 2021-07-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I HAD AN ACCOUNT WITH XXXX XXXX, THEY CHARGED OFF THE BALANCE OF XXXX IN XXXX, NOW THEY ARE REPORTING THAT THEY CHARGED OFF THE BALANCE IN XXXX ( ONLY TO EQUIFAX ).

MY MORTGAGE LENDER SAID THIS IS ON A XXXX  XXXX REPORT AND I COULD NOT SEE IT, SO I CAN'T DISPUTE IT ONLINE. 
XXXX XXXX DENYS THAT IT IS REPORTING THE CHARGE OFF IN XXXX, MY LENDER SAYS THEY ARE. 
I WAS TOLD AS OF XXXX, XXXX IT SHOULD NOT EVEN BE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: DISCOVER BANK
State: MD

Complaint narrative:
Discover card decided to unilaterally close my account last year. I was unaware that the account was closed for non-use, since I received no notification that I needed to use the card to keep it open. 

When I spoke with the customer service rep today, she was unwilling to submit my request to reopen the account. I have never missed a payment in the 20+ years I have held this card. 

It's clear Discover does not value my business and instead was attempting to " reduce risk '' by closing my account with no notice. I am beyond disappointed that this is how they are treating long-term customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX  XXXX - {$11.00} ; ( 1 ) XXXX  - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX  charges totaling {$14.00} and ( 1 ) XXXX  {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I reached out to the company requesting to settle and do a pay to delete. They responded declining the settlement offer. Several months later I logged into there portal and selected one of the TWO payment options listed. I selected payment option one and made payment. Well they processed my payment however they reported to the credit bureaus that I had a remaining balance of {$43.00}. I immediately sent an email advising that I settled the debt under there terms which was a 20 % difference & the debt would be considered Paid in full Well bc they did not update accurately I sent an email advising them of the error and was advised that it would be updated to paid. Well on yesterday I received a notification of a NEW COLLECTION ACCOUNT with Amsher, this is incorrect, I then sent and email on yesterday right after I received the notification requesting the account to be deleted due to there consistent error of updating the account with incorrect information. I received an email on today to advise that the account was updated in other words correctly also in my email that I sent I attached where clearly it says NEW ACCOUNT. Now on today I received another notification of a New Collection Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: PNC Bank N.A.
State: NY

Complaint narrative:
review the accounts that appear on my credit report, without any authorization, they are harming me. 

Identity Theft XXXX  XXXX / XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NM

Complaint narrative:
Ever since COVID-19 started, Direct Express has not provided my brother access to his monthly Social Security Checks. The card is under my name as I am his guardian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021, my Bank of America credit card had 2 fraudulent transactions from XXXX XXXX worth {$660.00} and from XXXX XXXX {$430.00}. I quickly noticed these and reported them to my bank. 

During that day, I was working from home in my apartment and my roommate can attest to this as a witness. I could also verify this from computer logs. In addition, the physical card was in my wallet the entire time. 

Although Bank of America initially credited the account for them, they quickly reversed it after only looking at one piece of information : that it was chip-based.

They never contacted me to ask for any evidence I could show to prove that it was not me. They never contacted the merchant to ask for receipts or video evidence. 
When I called to dispute, they mentioned the XXXX was completely on me to file a police report, contact the merchants, and try to gather evidence and physically mail it to them. 
They didn't ask me any further questions. 

The fact that they only looked at ONE piece of information and resolved it against their customer WITHOUT ever contacting them is frustrating to say the least. It causes tremendous physical and psychological stress to be the sole person responsible to gather all the evidence needed to prove my innocence. Despite the bank having a " no fraud liability '', they did not attempt to help their customer at all. This is wholly unacceptable.

Just simply contacting one of the merchants revealed purchases made for a giant battery and a chain saw which are clearly suspicious and of no use to me since I do NOT have a yard and currently live in the city.

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 2021-07-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed a charge on my credit card statement that I did not make or authorize anyone to make this unknown charge of {$550.00}? Upon noticing this charge I called the credit card Company Chase before my statement even came in. 

They closed my credit card and issued me a new card. Then I received a letter from Chase card services saying that they confirmed my transaction is valid. 

How could this transaction be valid again since I didn't make or authorize anyone to make this charge. The weird thing is my card was still in my possession at the time. .This was reported right away, before my statement was sent out. I frequently check my statement online for reviewing. 

It was to some concert event that hasn't even been held. Because I tried to resolve this with them directly and was told to contact my credit card. I been making several calls for help and was told about the Fair credit act?? Max responsibility for me would be {$50.00} How do I get Chase to protect me as a credit card holder, when someone got hold of all my information. Please help to assist me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I c systems is XXXX me about a debt that I dont not owe and Ive never did business with I c systems so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts thats violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proffered of a contact that I have with them along with proof of the true creditor is, I expect to receive that. I also sent out a cease and desist letter 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 2021-07-01 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: GA

Complaint narrative:
Submitted documentation and Numerous times and cord customer service or several occasions regarding inquiries that was unauthorised and / fraudulent refused to remove inquiries from personal credit report The company requested training credit report and also have received documentation of reversals that inquiries have not yet to be re move for my TransUnion Report TransUnion refuses to do diligence and to my particular situation And make the necessary adjustments Transitionally refuses to offer assistance and representatives of credit bill representatives of credibule have been rude on professional put on professional Uncompassionate of the difficult times that our nation is facing

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