vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: AZ

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries ; except as provided in section 1681g ( a ) ( 5 ) of this title.

The following inquiries were not initiated by me and are a result of identity theft. 

EXPERIAN BUSINESS CREDIT 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 2023-02-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
XXXX incorrectly and inconveniently placed a security freeze on my Vanilla Visa Gift Card after I had just purchased from XXXXXXXX XXXX XXXX, this really irritates me and inconveniences me having to wait 7 days all because your card service representative states it was because I visited an incorrect site, or called a wrong phone which isn't true her comments make me no longer trust Vanilla Visa Gift Card, and I will no longer be purchasing gift cards for Vanilla Visa, XXXX or etc. Vanilla Visa is known for placing security holds on cards on customers cards and for users experiencing frustration and holds because of " unknown system error has occured '' its not right ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX this company Online Information sent me a letter attempting to collect a debt..on XX/XX/XXXX I sent a debt validation letter to validate the debtthe letter was received on XX/XX/XXXX they received the letter..As of today XX/XX/XXXX this company have not responded or did they validate the debtand it is after the 30 days..Online Information are reporting on my report and I want them removed as they are hurting my report. Proof of my certified letter and the receipt of them receiving it is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX which is USAAs number. I now have been told that call was a scam. I was scammed out of {$2300.00} which was my balance combined between my checking and savings prior to the call. And some how another nearly {$8000.00} dollars. I have a balance of nearly negative {$8000.00} in my checking account now that all the fraud and scams have stopped. After nearly 2 weeks of going back and forth USAA is refusing to work with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
1ST : Companies involved in the fraud are " XXXX '' and JPMorgan " Chase ''. Instrument being weaponized in the theft of my money and/or credit lines is a Chase Mastercard Credit Card with `` Flex '' in its name ending in " XXXX XXXX '' ( in this complaint text, I have censored the 16th digit. ) XXXX has fraudulently charged me {$12.00} without my permission. I obtained a free trial service with XXXX. XXXX is accused - possibly with questionable proof- of not delivering services to me properly or at all during such free trial. Therefore I cancelled my service before a deadline where I'd possibly be charged on a monthly basis and revoked permission to be charged in an email to XXXX prior to a date where XXXX would charge me for continuing beyond a free trial, and also signed in to my XXXX portal in order to cancel. However, XXXX has charged me {$12.00} anyway. 
2ND : I filed a XXXX  complaint ( XXXX  case # XXXX ) against XXXX  over this fraud. XXXX didn't reply. On a XX/XX/XXXX phone call ( which is also the date of writing this CFPB complaint ), Chase claims to have resolved the matter of only the theft of {$12.00} on XX/XX/XXXX, but has essentially stated that anyone, including XXXX, can continue to steal my money in the present or future, and that they can not stop it, despite such credit card being a Chase-issued credit card and me never giving permission to Chase to allow themselves or other companies to steal my money. This is dangerous due to both an implication that XXXX will continue to charge me {$12.00} without my permission every month, and also that anyone could steal unlimited amounts of my money due to Chase 's refusal to stop it.

3RD : Chase claimed, on XX/XX/XXXX they do not have the " option '' to stop merchants from charging an account ( of mine, with Chase ) and that I have to keep disputing charges. Chase then said this is " how it works '' but I did not consent to being party to such a process where XXXX or any merchant can continuously steal my money on a repeating basis. After repeatedly refusing to stop the theft of my money, Chase then stonewalled me with silence in order to waste my time, offend me, and be complicit in the continued theft of my money, most of which could be anticipated to be from XXXX. I demanded Chase should no longer give any of my money to XXXX. Chase once again refused. This is not a full list of the number of times chase repeated offensive phrases at me that threaten being complicit in having my money be stolen on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The short story : on XX/XX/XXXX, XXXX.My daughter was a victim of identity theft on our joint account. A man approached her saying his phone was dead and asked if he could use hers to call his dad so his dad could call him an XXXX. While he had her phone, he went into her XXXX account and transferred {$3000.00} out of her account. There is a full detailed account of the transaction in the Police report ( Page 5 ) so I won't recount it here. 

We filed a police report ( attached ). We also filed a claim to Bank of America ( BOA ). We received a letter from BOA on XX/XX/XXXX from BOA said that because the transfer came from her phone, which had been used in valid XXXX transactions before, they would not reimburse. 

On XX/XX/XXXX, I disputed their decision citing that the Electronic Transfer Act protects people when funds are taken out of her account without their permission or authorization. Her phone was taken under false pretense and she did not authorize the {$3000.00} in any way. 

On XX/XX/XXXX they rejected the claim for the same reason stated earlier. 

In XXXX we asked them to send us their backup documentation for the rejection. We received that on XX/XX/XXXX. 

I don't believe that further escalating to BOA will be useful. Throughout the process it's very clear that they don't want to make this an easy process. If I call at XXXX XXXX  sharp ( when they open ) I am generally on hold for an hour. If I call at any other time of the day it's 2+ hours. The number they provide on the rejection letter connects be to a general switchboard so I always have to get transferred to " Fraud Division '' and go on hold again. The only way I could dispute was via fax, but there was no fax number on the rejection mail. I had to go through the call process to discover the dispute process. It's clear they want to make this difficult so that people give up. I have $ 300K+ in BOA account and have been a member for 20 years, so I don't have any reason to try and get {$3000.00} out of them. 

I have attached the police report, the first BOA rejection letter, our dispute that we faxed over, the 2nd BOA rejection letter, and the backup document they send us.

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 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I have a complaint filed against me by a debt buyer named Velocity Investments LLC in the district court of XXXX XXXX Washington State under case no XXXX. This complaint was filed against me without any prior written notice of the stated alleged debt or default. According to the FDCPA, I am entitled to a written notice of any alleged debt or default I might owe and that i am entitled to demand verification of such debt. In addition, my name has been smeared in the public eye for being accused of allegedly owing a debt i completely deny, causing much embarrassment and indignation. I request that cfpb investigate Velocity Investments , LLC to see if in fact they have fallowed consumer protection laws and if they truly are who they say they are as stated in the complaint they filed against me. 

Sincerely, 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 2023-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
During covid, and loss of my job, I had 2 months past due combined into a payment plan that spread payments over 12 months to catch up. This was a written agreement to do so. However Bridgecrest kept reporting each subsequent month to the credit bureaus as past due up to 120 days when ALL payments during that 12 month period were paid on time in included the additional amount to cover the 2 months past due. They refuse to amend the reporting to show the payment history as an on-time payment and instead my report shows 12 payments past due when it should have been 2 in a 14 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: OR

Complaint narrative:
I took out a payday loan about 10 years ago maybe more and they are stating I never paid it back even though its not on my credit or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2022 I wrote a check to XXXX XXXX XXXX for {$250.00}. That check plus two others were stolen from the outdoor mailbox at the Post office at XXXX XXXX and XXXX XXXX, XXXX, Ohio. Two of the three checks were altered, including the one made out to XXXX XXXX XXXX. The amount was altered from XXXX to {$9300.00}. That check was incorrectly honored by Huntington despite an obvious handwriting mismatch and other indicators of fraud. {$9300.00} was withdrawn from my account. The second check was altered to {$4100.00}, but was not honored by Huntington and funds were not withdrawn. 

On XX/XX/XXXX, I was notified by Huntington about the fraudulent check clearing and reported the fraud the next day. I filled out a statement of fact with Huntington, as well as a police report ( report # XXXX with XXXX XXXX, pct : XXXX ). I also filled out a statement of fraud with altered check claim, including a copy of the checkbook register, with Huntington.

I have been working with Huntington to resolve this issue, however it has been 11 months since the fraud occurred and the issue has not been resolved, nor the funds returned. Additionally Huntington has denied me any extensions of credit to cover my losses, despite my relationship with Huntington for 50+ years.

Not only was the check on its face so obviously fraudulent as to indicate incompetence in Huntingtons fraud detection department, their inability to timely resolve the issue or help me cover my bills in light of their own mistake feels like a form of elder abuse perpetuated by the bank ( I am XXXX XXXX XXXX ). 

Huntington keeps claiming that XXXX XXXX  is at fault because they are the depositing institution, and they keep trying to send me there, but every time I contact XXXX XXXX  they tell me they can not help me because I am not a XXXX XXXX  customer. 

The actions on the part of Huntington and XXXX XXXX  are Unfair in that I am unable to avoid harm, the harm is material, and I have no options for remedy outside the banks actions. They are also deceptive considering how much they advertise fraud protection but were unable to detect an amateur and obviously fraudulent washed check. I feel like they are just running out the statute of limitations as a way to continue further harm to me without having to reimburse me the amount stolen from me due to their incompetence and negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: EdFinancial Services
State: NJ

Complaint narrative:
I refinanced my Federal Student Loan in XX/XX/2022. The original loan serviced was Edfinancial. In XXXX of 2022 I submitted a refund request for {$28000.00} and the person I spoke to said it would be processed and sent to XXXX. A few months later I received a call from Edfinancial saying my refund couldnt be submitted because it was paid by a third party. The person I originally spoke to said there was no approval process and that ALL payments made during Covid-19 are eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: CA

Complaint narrative:
i am a consumer by law. i did not submit this in error. 
Experian did not have my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

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 2023-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately! 

Please investigate and provide proof on how this account was verified. and delete this account immediately.

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 2023-02-20 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: MD

Complaint narrative:
I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately! 

Please investigate and provide proof on how this account was verified. and delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. I have reported it to the police and XXXX. I can not get in to capitol one or the other 2 credit reporting agencies as of yet. My credit has addresses, names, a job, a spouse and post office boxes that do not belong to me. Please stop anything you can as I personally have nothing at all in the way of cards or assets. Please contact me through email. I appreciate your time. 
XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I received the attached letter from my mortgage servicer. It states that as of XX/XX/22 my flood insurance was " cancelled, expired or was unacceptable '' and that force placed insurance would be obtained ( at great cost ) unless replacement or renewed coverage was secured. 
This is 100 % wrong, apart from being upsetting and disruptive to me, my XXXX president and our insurance agent. I called the mortgage servicer this morning ( Planet Home Lending ) and when pressed, the servicer 's rep admitted that they took over servicing on XX/XX/22 and did not have our insurance documents. They said they received nothing from the lender. Instead of asking for a copy of the insurance policy, they instead sent this erroneous, threatening letter and caused unnecessary work and concern for several people. Planet Home Lending should be reprimanded or sanctioned for the misstatements made in the letter, as our building 's insurance policy is and has always been in force. I will be sending a copy of our master condo policy to the servicer ( now that I know what actually is needed ) but would like to see steps taken so no other borrowers receive such a letter with these false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. I paid Equifax credit monitoring services and a complete disaster.

2. I have tried to resolve this matter since the Data Breach of Equifax either leaked my information with knowledge. There Data was hacked and leaked millions of users and or information with knowledge for a profit. 
XXXX. XX/XX/2019 from Equifax a check {$120.00} would be refunded as I paid for credit monitoring. 
4. I can not obtain my credit report at all for the last last 18 months. I properly called annual credit report.com and receive a notice from Equifax with my name spelled wrong stating I received a credit report in the last 12 months which is false.

5. I never received a refund.

6. I emailed and phoned with zero assistance or responses.

7. Equifax basically leaks millions of credit files and the company XXXX XXXX XXXX basically creates a Class Action Suit and pockets 75 % of Equifax having to pay for there unethical behavior. This is precisely XXXX XXXX XXXX is doing. Took the Data settlement and did not pay consumers. These three Lawyers filled there pockets. I also will be filing a FTC complaint to ensure an Audit is conducted.

8. This is such a vicious circle. I am filing a complaint with the CFPB who does not read the complaints. Only Equifax will read the complaint. What is the point of hiring warm bodies that basically work from home and contracted out with zero experience. The only way this matter which is legitimate will become known is if I email the XXXX of the CFPB. Its sad that so many have legitimate cases and a very high percentage of these banks, creditors, continue to commit fraud. I guess the kick backs are good to turn a blind eye. 
XXXX. SEE ATTACHEMENTS.

Company response to consumer: Closed with explanation