vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXXyears old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also XXXX  with an XXXX  XXXX and XXXX XXXX I read at a XXXX XXXX XXXX often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
XXXX XXXX There was a letter mailed to me to attempt to collect a debt that I do not have in the amount of XXXX. 

I called XXXX and got my original information and I owe which I made a payment arrangement with XXXX for the amount of XXXX. 

Please have this taken care of and removed I am not responsible for this debt XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a watch online and paid {$4500.00} to the seller using XXXX. The seller has since stopped all contact and refuses to reply to my messages or answer calls even though I know they are receiving them. I called Chase to help and they closed the claim right away and passed the information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been trying to complete a loan modification on my account for Months with Bank of America Mortgage, i received major conflicting information within days that makes absolutely no sense from one day to another. I can no longer handle the gross incomitance this 'Bank '' shows on a NormaXXXX basis. 

Here is what happened I applied for a RMS ( request for mortgage assistance ) for a loan modification back in Around XX/XX/2022, many months went by with no word until XX/XX/2022 when i received a letter of a " Notice of intent to foreclose '' Please note i have an active loan modification application ( dual tracking ) I called in To Bank of America at telephone Number XXXX on XX/XX/2022 at XXXX eastern time this call lasted XXXX minutes and XXXX seconds, during this phone call I was informed that the underwriter had notes from back in XXXX of XXXX  asking for additional information. I was asked to send over this info, which i did VIA fax. ( 4 months in limbo on a loan Modification ) A few days later XX/XX/2022 @ XXXX i received a call from Bank of America from the same telephone number noted above that " They have my pay stub info and now needed clarification on my Annual bonus on my pay stub '' Which i also sent out. During this time i received a substantial Pay increase at my job I was informed that i had to show more recent pay stubs showing this. Which on XX/XX/XXXX i sent. 

On XX/XX/2022 i received a phone call at XXXX from the same number again stating that the updated pay rate was received but they YET again needed info on the Annual Bonus i receive, which i sent out AGAIN. 

On XX/XX/2022 @ XXXX XXXX  XXXX i received a phone call from the same number stating that they now need an Older pay stub showing my annual bonus on when it was paid out, which i sent the same day. 

Today XX/XX/2022 i received a letter that states That they are No longer able to review my application because they didnt receive all the info requested. 

How is that even possible?? Everything has been faxed to Bank of America XXXX # XXXX I need a fix to this i can no longer handle Bank of Americas incomitance There seems to be complicate issues here to as loan mods are time sensitive

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 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.

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 2022-09-15 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: AZ

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union automatically robbed me of {$800.00} I deposited to my account without my consent, my knowledge, without any communication or authorization by me stating that it was ok for them to pull money out of my savings account. I had not idea that they would automatically go into my savings account and withdraw 3 consecutive withdrawals of {$200.00} and 1 withdrawal of {$170.00} of my hard earned money and my only means of living. That {$800.00} was all I had to survive on and I made no payment arrangements, authorizations, or consent for them to take and automatically withdraw that amount. I did not make any payment arrangements for them to withdraw money from my account without my express written or verbal consent, or knowledge. I didnt not state it was ok for them to take and withdraw those 4 specific amounts from my savings account automatically without my knowledge, authorization or consent. I did not make any payment arrangements for them to withdraw or take money from my account, or automatically withdraw from my account without my knowledge or authorization. Had I known Navy Federal was going to automatically take money from my account I would not have made a deposit to my savings account or trusted that my money would be safe in their bank. I had not made any authorizations or payment arrangements consenting Navy Federal to automatically withdraw and take from my savings account. I would like my money back that they automatically withdrew, robbed, and stole from me without my consent, knowledge, or authorization that they could withdraw or take my {$800.00} dollars that I worked really hard for and that is all I have to survive and live off of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NJ

Complaint narrative:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update 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 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have new information about Trans Union and XXXX. Trans Union and XXXX is still breaking federal law per fair credit reporting act. Trans Union and XXXX has not exercised their grave responsibility for fair and accurate credit reporting. Ive tried on numerous occasions to get these late payments removed but they continue to break the law. XXXX has deleted the late payment from XXXX XXXX XXXX XXXX and Trans Union and XXXX has yet to comply with the fair credit reporting act and needs to be held accountable. I will provide the case number where XXXX has deleted the late payment COMPLAINT ID XXXX. Trans Union and XXXX need to delete the late payment from XXXX XXXX XXXX XXXX immediately or face the consequences of a lawsuit.

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a Chase debit card in the mail on XX/XX/2022 that went to a checking account that had been opened in my name, that I did not open. I called Chase and reported the fraud and they put a freeze on the account, they would not close the account immediately until they receive a copy of a police report and some identity theft packet they send me that I guess I fill out and send back to them. I did report the incident to the local sherriff 's dept. I contacted all three credit bureaus and put a freeze on my credit as well. Then on XX/XX/2022 I received a XXXX card in the mail for yet again another account that was opened in my name that I did not open. I called XXXX this morning and was able to close the account and report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Earlier this year the student loan amount was lowered and my credit score has yet to be reflected on that new low amount and I would like to have that updated it has been over 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Data Systems
State: NC

Complaint narrative:
This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at CFPabThis is not a duplicate dispute as claimed by the collection agency Financial Data Systems , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, Financial Data Systems, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that Financial Data Systems have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Hello my name is XXXX XXXX I am submitting this complaint without error or influence of any third party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
No matter what I do I am unable to contact CIT Bank, a division Of First Citizens at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been locked out of my account and no matter how long I wait, no one will answer the phone at XXXX They are holding my money against my will

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Last Sunday I attempted to get gas for my vehicle and my card had been declined. I checked my chime banking app and saw I had no money in my account. I then saw three fraudulent charges on my account I did not make. I contacted chime and filed disputes. Chime continued to deny my disputes saying the charges were legitimate and not made an error. I continually explained to them I did not make these charges adding up to {$230.00}. I contacted both companies the charges were made and they have no record of the purchases being made to their accounts. They told me to contact my bank and cancel the charges which I attempted to do. After many attempts to cancel these charges chime continually denied me and refused to take the charges off of my account. I asked them if they were legitimate charges to show me invoices and receipts and also confirmation of delivery of product but I was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from Caine Weiner that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX  and XXXX and have not recieved updated information. Below is documention of the transaction CAINE WEINER Original creditor : XXXX XXXX Balance details 10 % of this account is paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$390.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Account information disputed by consumer Your statement - Contact info Name CAINE & WEINER Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Hello. 

I have a loan with One Main Financial. I fell into a financial hardship and can not pay the loan right now and told them that. I told them I was working with a debt relief company and they will get their money. For the past 2 weeks, I have been THREATENED through voicemail regarding paying the loan and them taking my LEASED vehicle. This has caused tremendous stress on me and my family. I understand that I would receive calls but I should NEVER BE THREATENED!!!! 

This should not be happening to me and I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with Nissan XXXX XX/XX/XXXX. 
Despite disputing with XXXX, XXXX, XXXX, and Nissan, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
On XX/XX/2022 I noticed a payment debited from my checking account for the full Balance owed on my credit card XXXX. I spoke to them explaining how complicated their website is to make payments and that wasn't my intentions. I spoke to a supervisor and they said in 10 days they would credit my account back XXXX dollars and place the balance back on my card. I asked if I needed to call back to do this and they said no they made a note of it and it would be taken care of. By XX/XX/XXXX this did not happen I called back and they had no record of this arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
2 different accounts XX/XX/2022 XXXX XXXX XXXX I recieved 2 letters such as Wells Fargo XXXX XXXX XXXXXXXX also

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 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I called them to see if I can do something about the account they told me they had repoed the car but I still have to pay due to it not being in the best condition. I dont have the car and havent had it for over 3 years now and they still are reporting to my credit as open and its really affecting my credit score and me getting a new car.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
Its not my debt I have been a victim of Identity theft, who ever it is has even tried filing taxes in my name and IRS confirmed and vindicated it was not me this has been going on since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief