vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act the following companies HAS VIOLATED MY RIGHTS .... 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is in violation of my rights of And has failed to provide details of their reinvestigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 XXXX FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 EQUIFAX FRAUDLENT INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, PA XXXX Report XXXX Can you please remove addresses off Experian credit file. Fraudulent

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 2022-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EGL US, LLC
State: PA

Complaint narrative:
BMG MONEY XXXX XXXX AMOUNT OWED 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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Ive been paying on my school loan for a year now of XXXX $ a month a company called XXXX XXXX saying they transfer federal loans to there company an set up a auto payments so I did an I looked at my credit report today it says everything is outstanding with payments but no money is getting deducted so I callled the name an number at the bottom of the school loan report on credit karma an it was MOHELA and they said they have my information but I havent payed anything so now I feel like Ive being paying all these XXXX of dollars to a scam company.. I have screenshots of my credit report too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2022 at XXXX pm I made a purchase at the XXXX, WV JCPenney. The associate ( associate XXXX, according to my receipt ) asked if I wanted to join the rewards program to receive a discount on my purchase. I asked if it was free, and he said yes. He never mentioned that it was a credit card application and he attempted to rush me through the process. I found it odd that a rewards program required things like income and SSN, but it's been a while since I signed up for a rewards program and with the prevalence of fraud as of late I thought that the identification requirements had simply become more stringent. I mentioned this to the associate, but he did not reply. 

On the last screen, it asked me to confirm that I wanted to sign up for a JCPenney credit card. This was the first time during the entire process that the words " credit card '' were mentioned. I refused to press " confirm, '' clearly told the associate that I did NOT want a credit card, and requested that he cancel the application. He indicated that he had done so. I checked out using my debit card and before paying confirmed with him that I had NOT signed up for a credit card, and he again said that I had not. Then, on XX/XX/2022, I received a JCPenney credit card in the mail. The associate had apparently lied to me and signed me up for a credit card despite my protests. 

I immediately called JCPenney 's credit card services to report this fraud and have them cancel the account. They transferred me to the fraud department, and the fraudulent account was cancelled. They informed me that they would inform the credit bureaus of the fraud so that my credit score would not be affected. However, there was no way to report the associate who had fraudulently signed me up for this credit card, so I took the only option I had to do so by taking the JCPenney survey advertised on my receipt. I hope that this report will help encourage JCPenney to promote honesty and integrity among the staff at their registers. Thank you to the CFPB for all you do.

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 2022-04-15 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have never applied for or ever used any Union bank credit card. 
I received a billing statement for the card ending in XXXX for the period of XX/XX/XXXX to XX/XX/XXXX on XXXX XXXX for {$5.00} ( the transaction date was XXXXPlease see the attached pdf files containing XXXX  copies of all relevant Union bank documents mailed to me by Union bank ) . 
I called the Fraud number on XX/XX/XXXX to report that I had not only not purchased the item, but that I had never called to activate the card ending in XXXX or removed the sticker. 
I was told that this was a recurring charge and that they would start an investigation. 
I received another billing statement for the period XX/XX/XXXX to XX/XX/XXXX while the fraud investigation was ongoing for another {$5.00} ( Transaction date was XX/XX/XXXX ) plus the original charge of {$5.00} plus fees of {$7.00} ( this included a late fee of {$5.00} ) for a balance of {$19.00}. 
Since I was NOT SUPPOSED TO BE BILLED FOR ANY TRANSACTION INVOLVING REPORTED FRAUD, I assumed this was a billing error.I had received a letter dated XX/XX/XXXX ( see attachments ) stating that the fraud investigation was ongoing.However, I received a Union bank statement for the period of XX/XX/XXXX to XX/XX/XXXX for the {$19.00} plus fees charged of {$21.00} for a total of {$41.00}. 
The billing statement was for the new card that they had issued me ending in XXXXI never requested a replacement card, never phoned in to activate this card, and never took the sticker off this card.I have never used this card. 
I received a letter ( see attachments ), dated XX/XX/XXXX, from XXXX XXXX, stating that the charges involving the two fraudulent {$5.00} billings had been reversed. 
However, I then received a billing statement from XX/XX/XXXX to XX/XX/XXXX claiming that I still owed {$11.00}, of which {$9.00} was past due. 
I then realized that Union Bank does not know what they are doing and that they have extremely severe coordination problems that currently exist between their billing dept., fraud dept., sales dept., and loan dept.. 
Sincerely, 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 monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 I tried to pay my car note to my lienholder ( AFCU ) but instead of charging my card one time, they charged my card FOUR times and in the end, completely EMPTIED my checking account which I have proof of. I called their main customer service phone number ( XXXX ) and notified them that they charged me 4 times. I was then told that they " did not see any transactions on their end at all '' and even had the audacity to ask me to run my card again to make the payment!! How ridiculous is that! I asked to speak with a supervisor who then told me the same exact thing, " we don't see anything on our end but if you see it on your end, just let it process and then it'll be refunded ''. When I asked him how many business days it will take he HUNG UP IN MY FACE and did not call back! His whole attitude and demeanor was as if I was a nuisance when in reality, I am the client who is now struggling to scrape up money to feed my child because of a mistake made on THEIR end. I am not rich by any means. I do not have {$820.00} to just " throw away ''. That was the last of my money and now I have to wait how ever many business days to get back on my feet. I know I will definitely get my money back but what has me frustrated is the principal. They took NO accountability for their mistake and did not even offer any sort of solution. I'm pretty much " on my own '' with this one. I think it is absolutely ludacris and completely unacceptable for any company, especially a company as popular as theirs, to make such a huge mistake and then act as if nothing happened. {$820.00} may seem like a small amount to some people but for me, it was my last. My son is feeling the aftermath of this situation the most since he relies on my income to feed him as well as myself. I am disgusted with the way I was treated by this company and I'm sure I'm not the first or last to endure this type of behavior from this company. All they care about is their money and not their clients or the service they provide

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Data and Contact Management Solutions, LLC
State: AZ

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX and DCM Services. For several months I have been trying to get this issue resolved. XXXX refuses to speak to me and DCM Services just keeps telling me that " Our client says the information is correct ''. Which is false. 

I had a vehicle financed through XXXX that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by GAP. XXXX alleges that the full balance was not covered by GAP. So, I contacted GAP myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC. 
Therefore, the balance XXXX is alleging I owe. I incorrect and it is thievery. XXXX in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it. 

IN ADDITION, they are reporting this inaccurately to credit bureaus. They are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER.

Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt. 

I will take legal action if this is not resolved. 

THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I have requested that these fraudulent items be removed from my credit reports. The credit bureaus have not provided proof that these are my items. I have not seen a contract or a signature for any of these accounts.

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 2022-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
I received an alert that my credit scores dropped. When I viewed my credit, I discovered an account from Vance & Huffman LLC. I have lived at my current address for more than 10 years and i have never received a collection notice or a phone call from this company. They have placed an unknown debt on my credit and i am in the middle of financing. I have also sent them a letter via registered mail over 60 days ago and I have not heard back from them.

I am requesting the unverifiable/unknown entry be deleted from my credit report. I also have a police report on file with the bureaus for false impersonation- but I thought all of that has been cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I logged in to my account to retrieve tax information about 6 months ago. Without my permission my account was switched to paperless. I have called Chase 5 times to resolve this issue and have my statements mailed. Every time I call, the representative confirms with me that my account will return to mailed statements. That has not happened. I'm not sure what else I can do to resolve this relatively simple request?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Checking accounts ending in XXXX and XXXX are fraudulent accounts. Ive never had any accounts with capitalone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on Transunion, XXXX and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. 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 non-monetary relief
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, Equifax and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to fix this situation for more than a year and experian is still reporting inaccurate information according to the fcra if the information across all 3 bureaus need to match and be accurate or must be deleted promptly. It is still not accurate.this is so frustrating. 15 U.S. Code 1681n States a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have proof of more than 10 violations that I have sent with previous attempts to resolve this. They have had so much time to delete XXXX well over a year and rectify the situation if this is not resolved promptly I will be taking to litigation

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 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I applied for auto refinancing through Bank of America to refinance a loan held by another lender. I applied for this loan online and was initially given a message saying they needed more information. I have a fraud alert on my file, so this is quite common and I am used to it. 

The following XXXX  I get a call from them but I missed it. I called back, and resolved the hold on my application by verifying my identity. Shortly after, I get an email and an automated call saying I am approved. The automated call connected me with an agent whom went over the APR, payment amount, and other terms of the loan with me. I was also sent an email with a link to start uploading the necessary documentation. About 25 minutes into the call, I was informed that they were unable to verify my identity and had to give me an adverse action notice. 

I was extremely confused because it was my understanding I had verified my identity. I had also already been given terms, and official approval documentation. 

I spoke with several other agents who informed me this was a final decision and I would have to reapply if I wanted to be considered. One agent informed me that this was due to the fact that I was not already a Bank of America client. However, this was false. I have a previous active auto loan account with them. 

They will not honor the official terms and approval I was given and told me I would have to reapply. This would put another unnecessary inquiry on my credit file and require me to go through the process again. With no guarantee the same thing wouldn't happen again.

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