vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To whom it may concern, Re : XXXX XXXX XXXX, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

They have failed to VALIDATE ANY DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: Velocity Portfolio Group
State: PA

Complaint narrative:
To whom it may concern, Re : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CKS Prime Investments. 

They have failed to VALIDATE ANY DEBT

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank Checking Account I deposited a check via mobile deposit XXXX XXXX ago. It was an unemployment check. I know that the banks are connected to the government so I call on Monday asking why Im not even seeing a date it will be complete and they tell me if its a government check, it will be complete on the next business day. On the next business day the deposit is not anywhere to be found and they state several times that their mobile deposit system is down. Supposedly an update that had been done broke everything. After 6 hours I tell them, well the deposit isnt showing still Im going to have to cash this check locally because I had been waiting for it for 9 days prior to depositing it for it to come in the mail. They tell me that there would be a fee if i did that but to call back in and reference this issue and they would credit my account. 

Instead they put my account into review stating the check was fraudulent, they refuse to contact the treasury it was disbursed from. They are in the process of closing the account due to fraudulent activity and that is in spite of a direct deposit coming into the acct today from unemployment again! Theyre holding my money XXXX for 60 days, I dont have to tell you Im depending on the lowest funds you can depend on and these jackals are doing this because of their issue, 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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Bank put a fraud hold on my account and closed it out without ever explaining the reason why. I called in to the bank to find out and they were really not helpful. Two checks were trying to clear my account that I had the cash to deposit to cover them, but because of the hold I couldnt deposit in ATM over the weekend. I followed up on Monday in branch and hold was never removed so I opted not to make the cash deposit and pay the person in cash instead. The bank never followed up until two weeks later ( never removing the hold ) and cut a check and mailed it to me. They also reported this to XXXX XXXX  Unfortunately this is now inhibiting my ability to open an account elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
1. On XX/XX/23 my Chase checking account/Visa debit was charged a total of {$1000.00}. This was in the form of 3 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. The 1st charge was sent at XXXX XXXX. The 2nd at XXXX XXXX. The third at XXXX XXXX. These charges were not authorized. 
2. On XX/XX/23 I noticed the charges as pending when checking my Chase account. I called the Chase Customer Claims department at XXXX to report the charges as unauthorized/fraud. A fraud claim was opened with Chase under claim number XXXX. My Visa debit card was cancelled and a new one was issued. 
3. On XX/XX/23 Chase issued a temporary credit of {$1000.00} to my account while they did their investigations. 
4. On XX/XX/23 Chase finalized my fraud claim stating the charges were found to be authorized and reversed the credit of {$1000.00}. 
5. On XX/XX/23 the three charges of {$350.00} were rebilled to my Chase checking account removing the total of {$1000.00} from my available funds. 
6. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to see what documents or items I could send to reverse their decision and show the charges were fraudulent. They were going to relook at my claim and contact me. 
7. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire where the claim was and if they had reversed their decision. I also faxed them a letter from the Chase Fraud department showing that other charges from XXXX from XXXX XXXX were confirmed to be fraud. 
8. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire if they received my faxed documents. The agent stated they had and that my claim was still denied. I asked if the Chase Fraud Department found the charges to be fraud from XXXX XXXX, then why did the Chase Customer Claims not find them to be fraud. The agent stated they couldn't tell me and all they could do was send me the information that was sent to them from XXXX XXXX. 

At this point I have spent over 2 months trying to get the {$1000.00} refunded back to my Chase checking account. The Chase Fraud team found the charges to my Chase credit card from XXXX XXXX as fraud. There is no reason that Chase continues to refuse to do a permanent refund of {$1000.00} to my Chase checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: NJ

Complaint narrative:
I received noticed for court as well as non negotiable totals when there was a settlement previously made for way less. During Covid I could not afford it but once I was then able to and willing to start making payments they decided to sell it off to someone else who now refuses to take anything less when the previous amount was about {$1500.00} less than what they are willing to take. I have requested numerous times to negotiate they refuse to, I have also sent a 609 letter because the original debt is not only from a different creditor but also very old. It was not proven it was owed to this new creditor which is why it was then removed from my report but now it shows up again and shows the original creditor and their collection agency but does not show the new attorney agency on their or their refusal to work with me. Again this is ridiculous and a rip off as I tried and tried during Covid but refused to work with me at all and now have made it worse. Started as XXXX XXXX, then XXXX XXXX, now Andreu Palma Lavin & Solis PLLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Collections should appear on my Equifax credit file. XXXX XXXX XXXX with XXXX XXXX XXXX an AUD control number was provided to remove the account. The AUD control number for this deletion request is XXXX. 

Equifax needs to remove the account ASAP in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I had disputed a collections I didnt not recognize. I contacted the collection company and they were unable to provide the original information. The collection was taken off my credit report. Today it reappeared and my score dropped XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
Regarding : INQUIRY REMOVAL While checking my credit report online with the Credit Reporting Bureau, Equifax, I noticed unauthorized and fraudulent credit inquiries made by these companies : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please delete all hard inquiries these are not authorized by me! 

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 non-monetary relief
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please delete all hard inquiries these are not authorized by me! 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NY

Complaint narrative:
I believe i was subject to identity theft, there are accounts on my credit report that i do not recognize. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears on my credit report. I believe this account to be fraudulent and would like to request its immediate removal. 
As you may be aware, XXXX XXXX XXXX has been adding interest every month to this charge off account, which is a clear violation of federal law. In particular, this practice violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ), which requires that any information that is not accurate, complete, or verifiable must be removed from a consumer 's credit report. 
Additionally, XXXX XXXX XXXX 's actions may constitute identity theft, which is a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) Section 114, which requires credit reporting agencies to block fraudulent information from appearing on a consumer 's credit report. 
I have filed an identity theft report with the appropriate authorities and am in the process of taking legal action against XXXX XXXX XXXX for their fraudulent practices. Under the FCRA Section 611, I have the right to dispute inaccurate or fraudulent information on my credit report. I am therefore requesting that you remove this account from my report and take the necessary steps to ensure that it does not appear again in the future. 
I understand that the removal of this account may take some time, but I urge you to take immediate action to investigate this matter and remove the fraudulent account from my credit report as soon as possible. Failure to do so will result in legal action against TransUnion as well. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-05-02 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMCB Card account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new chase account. My husband has a business bank account with chase. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX figures. Chase opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while XXXX and XXXX reports {$4000.00}. XXXX reports a different last reported day than experian and XXXX. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on XXXX. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I called Nelnet about conflicting information I was receiving between The secretary of education, XXXX, and Nelnet. 

Sometime around XX/XX/XXXX I applied for the XXXX debt forgiveness offered by Secretary of Education. In completing the application I used the loan number for the loan I had with Nelnet. 

The balance is about {$10000.00} on this loan. 

A letter dated XX/XX/XXXX was received by me from the secretary of education stating not to make payment until XX/XX/XXXX. 

I talked with a supervisor today at Nelnet and they said that was for another loan with Great Lakes and did not apply to this loan. They also turned me in to the credit bureau for not making payments. 

I have not heard from nor takes to Great Lakes for over 5 years. 

I was not able to explain this to the supervisor because he kept talking over me when I would try to speak. 

He said FASA informed me wrong. 

Because of the way he was talking to me I was able to see he was not going to help resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I request that the late payment be removed from my account as I have consistently made on-time payments for this account. It is unacceptable to see this inaccurate information on my account. I have provided the necessary documents for your review.

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 2023-05-02 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: MI

Complaint narrative:
1.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo kept taking money out of my account and kept having security issues. Ended up closing my account

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have no knowledge of this alleged debt and I did not open nor benefit from this account or any transactions made by this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was notified by PNC bank XX/XX/2022 that someone took money out of my checking account ending in XXXX. XX/XX/2022 someone took {$2300.00} out of my checking account through XXXXPNC Bank without my authorization. I received a call from PNC that I was to come to the branch immediately so that they could give me a new checking account. They said they would need to contact XXXX for the money back. Neither is willing to give me my money back. It's almost as if they are saying to me too bad this happened to you, but we are NOT going to help you get the money back. I explained to them that I am protected by the Regulation E act and by law they have to give me my money back. I was a victime of Identity theft last year as someone stole my social security number and they attempted to file for Unemployment benefits in PA. I am seeking a full refund from PNC bank. They need to stand by their consumers and protect them from this type of thing happening. I trusted them with my money and now I am being punished for being a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C SYSTEM INC is attempting to collect an alleged obligation on behalf of XXXX. I C SYSTEM REAPPERAED on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with I C SYSTEM. the original creditor XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX during the signing of the contract. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. Per the debt collection laws I C SYSTEM is in violation of the FDCPA, TILA as the alleged debt as been satisfied. I C SYSTEM and SPRINT is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. I C SYSTEM has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave I C SYSTEM a license to use the mark. A invoice is attached

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