vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I tried to freeze my credit on Transunion. It made me make an account. Fine. I made an account. There was no mention anywhere that I would be charged money. Lo and behold, I was charged {$26.00} and I received an email saying this would be a MONTHLY RECURRING charge. 

This is a scam.

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: MD

Complaint narrative:
I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: SC

Complaint narrative:
Today is XX/XX/2022 I called Trans Union twice and spoke with XXXX and with XXXX in regards to an investigation. I was told by XXXX that they did not investigate my claim that it was my job to do the investigation and send them the supporting documents to support my claim. I ask the representative XXXX how could she say that the claim was verified, if they did not investigate. I asked her to substantiate what verified means, I asked if they provided a statement, a note or contract signed by me or a transaction history. She stated no they verified my information only, I requested that they immediately remove all XXXX XXXX XXXX XXXX and that they immediately remove every account that is related to XXXX  XXXX from my credit report as they did not properly investigate and validate the debt. I told the i formed her that she stated to me that they did not investigate and it should be removed she hung up on me. I called a second time and spoke with XXXX. XXXX stated that she apologize for XXXX representation on the phone she stated that those items were verified, I ask how were they verified without an investigation and asked what supporting documentation did they receive to substantiate that they have the right to place these items on my report. She stated that they do not receive any transactional history or documentation from the collection agency, That they only verified that what they are reporting is the same thing that the collection agency is claiming without proof. she then told tell me that I needed to provide proof that its not mine, I ask how can I provide proof if theres nothing to prove. I asked was is it legal for them to allow anyone to take your name address and a fictitious number and place it on your account without validating that whats being said is true and that it is associated with the correct person. She stated that she understand what I was saying but they do not investigate. She told me to file a claim with CFPB. I told her I would file against them as well for unethical behavior, she said the call is recorded and I stated that I was recording them she then hung up. I have 2 cases where I called and was told that no investigation is being done for XXXX XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I filed a claim for unauthorized access to my checking account to # XXXX XXXX on XX/XX/2022 after filing the claim I received notice that the funds would be reversed because the merchant claimed that I benefited from the unauthorized access my checking account this is what is stated on the reason for my claim being reversed and I also have documentation record it as to the statement that was made by the adjuster or investigator who handled the claim so in essence what they are saying US Bank is saying is that its OK to steal money from a persons checking account as long as that person appears to have benefited from the funds that were stolen. And that is absolutely ridiculous!! I never authorize the merchant to remove any funds from my account in fact I never gave them access to that card number except for when I made a purchase at the store this transaction was not a purchase from their store it was a mobile phone payment that was never authorized from the beginning the resolution that I am seeking is the return of my {$220.00} that was taken without my permission!!!!

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.

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 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
I had been affected by Covid 19 Pandamic Disaster and my XXXX suffered in XXXX an XXXX. 

I have a loan with XXXX XXXX which was transferred to them by the previous servicer ( Amerihome Mortgage ) XXXX XX/XX/XXXX. 

The Payment suspension on this loan was provided by AmeriHome Mortgage ) from XX/XX/XXXX through XX/XX/XXXX. 

Application for loan modification was filed with AmeriHome Mortgage XX/XX/XXXX. Modification for this loan was approved by Amerihome Mortgage XXXX XX/XX/XXXX ( see letter attached ) .Trial payments started XX/XX/XXXX through XX/XX/XXXX with Amerihome Mortgage. 
XXXX XX/XX/XXXX Loan was transferred by AmeriHome Mortgage to XXXX XXXX ( The originator of this loan on XX/XX/XXXX ). 

Three payments were made to XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I called them 11 times to get an answer on my Loan Modification process completions so as to put the unpaid amount behind the loan and give me my new payment as per Covid 19 Pandamic CARES ACT for suspended payment due to them. 
I was told that the process started with the previous servicer ( AmeriHome ) and the files are being researched from XXXX through XX/XX/XXXX by XXXX XXXX the person handling this is XXXX XXXX XXXX XXXX XXXX XXXX 
As I called them today, I was told that the Loan has not been modified by the previous servicer ( AmeriHome Mortgage ) or the current loan servicer XXXX XXXX XXXX XXXX 
It is now sold to another servicing company on XXXX XX/XX/XXXX and I will have to make further payments ( including XX/XX/XXXX payment ) to the new servicing Company. 
No written Information has been given to me yet on this. 
They also claim that their system does not give them any information on this loan anymore. 
I was told the same by the previous Loan Servicing Company ( AmeriHome Mortgage ) on XX/XX/XXXX as well. 
Please help me get the loan Modification Completed at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report 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 explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXccounts : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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 explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Mt bank Hi ; I need to open a dispute/chargeback for 3 transactions made with my XXXX debit card ending in XXXX. The seller never sent the merchandise to my address and also never provided any kind of tracking or delivery information, also I tried to contact the merchant to get that information but they never answered or replied the several calls and emails I sent to them. 

Transaction 1 : XXXX, posted on XX/XX/XXXX, It was a tablet XXXX XXXX, must be delivered on or before XX/XX/XXXX. 

Transaction 2 : XXXX, posted on XX/XX/XXXX, It was a Tablet XXXXXXXX XXXX XXXX  must be delivered on or before XX/XX/XXXX. 

Transaction 3 : XXXX, posted on XX/XX/XXXX, It was XXXX table accessories, must be delivered on or before XX/XX/XXXX All the goods must be sent to my address on profile, XXXX XXXX XXXX, apt XXXX, XXXX PA XXXX The seller never provided a tracking number or delivery information, I tried to reach them several times by phone and email without any answer.

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 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: TX

Complaint narrative:
Account name : STAFFORD GROUP ASSOCIATE Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. Stafford Group is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to Stafford. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( XXXX XXXX and Stafford ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? Stafford is victimizing me. As a result, my applications for Credit card are being denied due to Stafford 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue Stafford and XXXX XXXX at a court near to me.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
My husband and I were selling a puppy. We were contacted by a person who said they were interested in purchasing him on XX/XX/XXXX. He was out of state, but was going to use a shipper vet he had used in the past for his daughter to bring him home. He would send us a check via certified mail. When he messaged us to let us know the check was on it's way, he said his financial person had made a mistake and wrote a single check for {$2700.00} and " hoped we would do the right thing. '' We were asking {$1100.00} for the dog ; the rest was for the shipper. We received the check on XX/XX/XXXX and deposited it. The bank cleared it on XX/XX/XXXX. Once it cleared we contacted the buyer and coordinated when the shipper would pick him up. They planned on the next day. The shipper asked to be paid prior to pickup and my husband sent him the {$1600.00} via XXXX on XX/XX/XXXX. On XXXX I saw that the check had been listed as a returned item and we were now negative in that account. I knew immediately what had happened and realized we were scammed.

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 2022-09-02 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: Comerica
State: TX

Complaint narrative:
Direct Express issued me a new debit card through Comerica Bank in XXXX, 2022. I received the new card because {$310.00} was taken from the account without my consent or knowledge. I have now not been able to receive deposit information for the SSI payment processed to be made monthly to the card. The social security administration has verified that the direct deposit information does not match a Direct Express account. I have tried to contact a live agent with Direct Express for 4 calendar days and I have not been able to get through their system. Their line disconnects because they have an overload of calls. I have also been locked out of my online account and I can't get through to their technical support either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-09-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX 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. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: FL

Complaint narrative:
I do not recognize, nor authorized these hard inquiries that TransUnion has recorded in my credit report. 

.XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX .XXXXVETERANS XXXX XXXX ( Finance XXXX XX/XX/XXXX In addition , data sets related to inputting of accounts were not XXXX XXXX  Compliant. 
Payment status data listed is mismatched, compared to other credit

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