vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Starting on XXXX, I started to ask how they verified that the debt of XXXX XXXX XXXX XXXX is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from Equifax that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. Equifax has fail to supply me with anything bearing my signature to verify the debt of XXXX XXXX XXXX XXXX is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have never had an account with this company RESURGENT/LVNV FUNDING REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RESURGENT /LVNV FUNDING the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After careful review of my Credit Report the following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I received a text message from what I thought was Chase Security asking if I recognized a transaction attempt on my account : respond Yes or No. I replied No and a text message came back, expect a call from Chase Security. I immediately received a call from someone identifying himself as being from Chase Security and asking if I was XXXX XXXX. He then said he would send me a code via text to verify that I was the account holder. I immediately received a text message from Chase with a numeric code which I read to him to identify myself. He did this XXXX times, over a period of XXXX minutes each time saying that he was working on resolving a problem with someone trying to use a new XXXX to access my account and asking me to hold. After a few minutes, I became suspicious and hung up and called the Chase XXXX number to see what was going on, at which time I was told that someone had initiated a wire transfer in the amount of {$11000.00} to a Chase Account in New York. I filed a report within the hour, called the local sheriff and filed a fraud report, then filed a report with the FBI and went to the bank branch the next morning and filed a second report. Each time I talked to Chase Bank, I went through the same process of being sent a security code by text to verify that I was the account holder. 
I have been told by Chase Bank that they are not responsible for my {$11000.00} lose because I provided the scammer with a security code to transfer funds. But I thought I was providing the code to Chase Security as is their process, not giving a code to have funds transferred. I have had that checking account for 45 years and never had on issue with the bank. I've never wire transferred funds to an unknown individual before and always been in good standing with Chase Bank. 
I believe that the bank is liable for the loss of my funds under Regulation E of the Unauthorized EFT Law. Regulation E Section 1005.6 ( B ) and EFT.12 CFR 1005.2 ( M ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I was a Bank of the West customer. Bank of the West was acquired by BMO and the transition took place over at the end of XX/XX/XXXX  and beginning of XX/XX/2023. I have numerous accounts with them including business accounts. Nearly as soon as the transition occurred, my business credit card was hacked by someone in XXXX so BMO closed my account. While they said I would have new card in 5-7 business days, it took almost three weeks to get a new card. I needed the card in the course of my business. 
Now that I have the new card, my transactions frequently get denied and I have to call BMO. 
In addition to this, I can no longer directly pay my credit card from my BMO accounts. They created some website called XXXX XXXX  for business credit cards. We are required to use this website to pay our business card but it never works. I have had to changed my log in, password and security questions many different times and it still doesn't work. 
I have to call BMO to have them transfer funds from my other accounts to pay the business card! THEN, they put a week long hold on the transaction. These are funds coming from accounts I have with them. They KNOW the money is in the account yet they put a hold on the payment. I think they are doing this intentionally so they can charge interest on the card. 
This morning, I had another purchase that was declined so I called BMO. While the rep was talking to me, she said she heard a voice in the background and wanted to know who else was a co-signer on the account. I do not have a co-signer on my business credit card. I told her the voice was my boyfriend and the news on the television. She insisted that I provide her with my boyfriend 's phone number or she could not continue the call. I explained to her that he is not on any of my accounts and had nothing to do with my business card or anything else. I asked to speak to her supervisor. I was on hold for several minutes and the rep said the supervisor was busy. She came back on trying to encourage me to call during business hours. I said I would hold. She asked again for my boyfriend 's phone number and I refused to give it to her. I said I would hold for a supervisor. She eventually terminated the call. 
The problem began in XXXX of XXXX  and today 's date is XX/XX/XXXX  for the most recent problem. BMO should have records of all of my phone calls and problems associated with this credit card.

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 2023-12-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
This occured XX/XX/XXXX in the am and I paid {$780.00} to the scammer. A business I found on XXXX promised to provide services up to % 50 percent off the options they provided so I chose the XXXX order for % 50 off services. When I paid and provided proof to the company that the payment had gone through communication from the company stopped and services were not provided to me. After realizing that the payments were being declined I contacted the company for the services not provided and they would not allow a refund for services promised but not provided. I then contacted cash app and they refused to do a dispute and advised me to call which I called my bank to reverse/ dispute charge due services not provided but also bank declined dispute. So I am at a loss of my money and this scammer is just stealing people money for services promised and not provided. Cash app should do better since they allow this app for large money transfers but can assist with scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX  someone opened a loan with XXXX XXXX  and also on XX/XX/XXXX  someone opened a loan with a possible finance both loans are a result of identity theft please remove

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
I went to XXXX XXXX ATM at XXXX on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I went to the ATM to withdrawal money from my ETRADE checking debit card ending in XXXX using XXXX ATM in the amount of {$500.00}. The money did not disburse, but the amount was deducted from my Etrade checking account balance. I was charged a ATM fee of {$3.00} for a total of {$500.00}. I had to wait til chase bank opened to inform them what happened and I provided the receipt. They told me I had to contact etrade. I told them all they had to do is pull up the video and they will see the money didnt come out. I contacted Etrade and inform them of what happened and they told me it could be 2 weeks before any type of resolution.I asked ETRADE if they will provide a provisional credit of the {$500.00} but they have not. My furnace is broke down and that {$500.00} was to get my furnace fixed. I just want my money back. I have a copy of the receipt also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MD

Complaint narrative:
My social security check was stolen by someone I didn't know, they stole {$1000.00} at a ATM machine I had the card with me from Direct Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 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: NM

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XX/XX/XXXX i received a fraud alert for XXXX at XXXX est, I took a look at my account and notice fifth third let 4 transaction for through with my debit card number from TEXAS before alerting me on the XXXX ( IM IN MICHIGAN ), i replied no to the text and was asked to call immediately so i did. 

it took me 4 tries to get to someone who wasn't lazy the first 3 kept telling me i have to call back during normal business hours to talk to PERSONAL CHECKING, they were ignoring my this isn't personal its business, finally the XXXX person helped me, blocked the card and sent a new one, but said he couldn't dispute the other charges because that was a different dept., and they were closed until XXXX the next day. 

I called started the dispute and nothing, until i get a final overdraft warning letter, they NEVER started the dispute and not only are giving me the run around, but they gave the lady at my local branch the run around on Tuesday when she attempted to tall and help me. 

at this point i believe they just want to extort money from me.. 

one rep ACTUALLY said that i teleported to Texas to watch a movie, because I am like " Right now i am on my couch in MICHIGAN after a long day at work watching tv, what did i do? teleport down there? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
RUBIN LUBLIN, IS A LAW FIRM THAT CLAIMS TO REPRESENT XXXX XXXX XXXX XXXX XXXX XXXX 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XXXX XXXX, IS A LAW FIRM THAT CLAIMS TO REPRESENT PENNYMAC LOAN SERVICES , LLC . 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I paid this off in full on XX/XX/XXXX. I never wanted this line of credit. I never understood that if I borrowed XXXX they would report me as owing XXXX and take payments until I paid them XXXX dollars. I had to go to my bank to stop the payments bc I couldnt close the account with them. On XX/XX/XXXXXXXX  this was paid in full. It remains in my credit. I filed a dispute with the credit bureaus on XX/XX/XXXXXXXX  and it was found to be accurate but I have the bank statement showing I paid off the balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i have several inquiries on my credit report that are not mine

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 2023-12-14 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  This account is not mine XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.

Company response to consumer: Closed with non-monetary relief