vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XXXX XXXX with XXXX XXXX XXXX called and said that he could get us a revolving line of credit for our business for XXXX. XXXX XXXX with XXXX XXXX was on the three way call confirming this. he just needed a surety bond so he was protected. to get the surety bond we had to boost our credit with a 10k loan from XXXX XXXX XXXX. we would pay back XXXX and 2k of fees came out of the 10k. ( total out of pocket was XXXX ) we signed a contract stating that in the event that the buyer ( XXXX XXXX XXXX XXXX XXXX ) backed out of the revolving credit that we would get the money back from the loan of 10k ( loan was from XXXX XXXX funding ). They did the loan and ran. Wont answer me. stole our money. and took more money from our account than what the contract stated, Now our bank is negative, lights are shut off at our house, no money to eat, and Bank of America ( my bank ) just puts us on hold for hours HOURS each day. we stay on the phone with them trying to recover just the part that wasnt ever authorized ( 2 payments of {$590.00} ) they transfer us from dept to dept make us re-submit paperwork ( literally because of an ink blot on the bottom of the page ). We NEVER AUTHORIZED the ACH withdrawals of XXXX on the XXXX and XXXX of XXXX. They have said its expedited. Now they say we have to start all over because of an ink blot on the bottom of the page ( you can barely even see it and its literally no where near any part of the page they need ). We NEED YOUR HELP!!!!! WE HAVE NO MONEY TO EAT!!! OUR LIGHTS JUST GOT SHUT OFF YESTERDAY!!! ITS COLD!!! I have the loan paperwork. The pay of letter all kinds of stuff. Please help us. Im begging you. We are COLD. We have NO money. Bank of America wont give us the money that was STOLEN from us. Please dont just pass this off. Please at least call me, if I dont answer its because the phone is in my car charging because we have no electricity. I will call you back if you leave a number.

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 2022-02-02 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft 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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc.
State: MD

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX  ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
credit cards and car insurance opened under my name that wasn't me capital one {$8400.00} debt dated XX/XX/2021 another capital one card for {$600.00} but i have no date on debt XXXX  for {$600.00} also no date on debt I have contacted and reported to capital one on both cards and XXXX  that it was fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-02-02 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: PA

Complaint narrative:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the XXXX XXXX XXXX XXXX Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

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 2022-02-02 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: PA

Complaint narrative:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

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 2022-02-02 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: GA

Complaint narrative:
Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX  accounting statements? 

XXXX shows the check was cashed in XX/XX/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 2022-02-02 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

XXXX shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX  accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NJ

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX my home burned down in the XXXX fire in XXXX XXXX, Colorado. My insurance company ( XXXX ) paid out the structure coverage in the amount of a check for {$310000.00} on XX/XX/XXXX, with my mortgage lender ( Chase bank ) as the cosigner. On approx XX/XX/XXXX, Chase provided me with checks covering the XXXX minus {$21000.00} which they stated they are holding against the mortgage balance. 
I am XXXX XXXX XXXX and can not go through the rebuilding process. I am looking for another, smaller home to purchase but being short {$21000.00} is a significant hardship. I am on time with all payments and on a fixed income. I can apply for additional coverage against the structure when I have another home under contract and can go back to allstate with the appraisal stating a structure value over {$310000.00} for an additional 20 % coverage ( approx {$62000.00}, very close to the mortgage balance ). The unpaid balance on the mortgage is {$62000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a up billing dispute with Bank of America on XX/XX/XXXX in the of {$390.00}, that check being received and cashed on XX/XX/XXXX, with Bank of America placing a stop payment on the check, due to a previous negative balance on business account ending in XXXX. Issuing out a new check with a offset remaining balance of {$310.00} check number ( XXXX ). Bank of America has stated the check was issued with a letter giving the reason for stop payment and along with a new cashier check to the address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. In which the check was never received by me ( XXXX XXXX XXXX ). 
After speaking to Bank of America they claim a cashier check was issued on XX/XX/XXXX check number XXXX in the amount of {$310.00}, which is inaccurate. I have escalated the issue with several Bank of America departments. Billing dispute, official items and risk closure, and fraud department, and none have been able to resolve the issue and reissue a new check for the balance of {$310.00}. 

After speaking with a Bank of America associate in the fraud department on XX/XX/XXXX, she recommended opening a fraud claim. After opening the Fraud claim and receiving a Fraud statement letter, to which was required to process the claim. The fraud statement was signed and notarized and faxed to Bank of America fraud department XXXX Several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After speaking to a Bank of America associate on XX/XX/XXXX, the associate stated no documents were ever received, and the associate opened a escalation to retrieve the documents. On XX/XX/XXXX, a Bank of America associates stated claim was denied in XX/XX/XXXX, reason : fraud statement never received. I have also forward the fraud statement to the Bank of America associate handling the fraud claim : XXXX XXXX at XXXX and also the fraud department XXXX. 
All emails were provided to me by an fraud department associate

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To whom this may concern I applied for a mortgage on XX/XX/XXXX through Navy Federal Credit Union 's online portal which I authorized a hard credit check. 
On XX/XX/XXXX I called Navy Federal Credit Union to follow up on my application, on Monday XX/XX/XXXX I did not authorize an additional credit inquiry of any time during my conversation with the loan officeXXXX, on XX/XX/XXXX I noticed on my credit report two hard inquiries from Navy Federal Credit Union, one dated XX/XX/XXXX ( authorized ) and another one dated XX/XX/XXXX that was not authorized. I have attempted to speak to someone at Navy FederaXXXX multiple times to resolve the illegal credit pull on XX/XX/XXXX without a manager call me back, customer service personnel transferring me without speaking to a manager. 
I did not authorize the additional credit pull and would like Navy federal Credit Union investigated. 

Thank you for looking into the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: MO

Complaint narrative:
I was speaking to Journey at Regional Finance in XXXX Mo and I was explaining my circumstances that I wouldn't be able to pay due to me wrecking my vehicle and my XXXX being unable to attain employment. I told her that my wife was in the process of being hired at a job where we will be able to commute together and once her paychecks start coming in we would get caught up. I also told her of the alternative that once we get my XXXX XXXX XXXX I can get a cash advance for my income tax return to pay off or catch up my loan. She then told me she would be unable to wait for that and they would be sending it to their legal department to garnish my wages. I am only XXXX days late according to what she told me and I find it baffling that they'll XXXX my check after such a short time.

Company response to consumer: Closed with explanation