vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I mailed a check from the corner of XXXX and XXXX in XXXX IL XXXX to a realtor in Maine for {$2700.00} in payment for a house rental. On XX/XX/2022, this check was deposited at the XXXX XXXX XXXXXXXX in XXXX by someone with a signature that was very hard to read, but looked like XXXX XXXX XXXX. 
Since this deposit was not even made in the State in which the payee is located, it was obviously fraudulently deposited ( probably stolen from the mail ). I complained to my bank, Chase, right away. They told me it would take 90-120 days to resolve. 
At this time ( more than 6 months later ), I am still waiting for resolution. Chase tells me they have submitted the complaint to the XXXX XXXX XXXX and requested the funds be returned, but XXXX XXXX XXXX has not responded to them. They have submitted the claim at least twice. Chase says there is nothing more they can do to reimburse me in the mean time. I have asked them to protect me as their customer and uphold the safety of writing a check on an account with them. They have said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XXXX : received email that Bank of America Advantage SafeBalance Banking Account # : XXXX was approved and opened. I never requested this account. 

XXXX : noticed monthly fees being charged to the account that I didnt open. After numerous phone calls BoA said they would refund the fees and close the account. Someone called back and said another department had to close the account. I called the other department and got transferred around some more, finally got someone to say they would close the account. 

Confirmed the account was opened with my social security number and a previous home address from XXXX. 

The account is still open today.

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 2023-04-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to dispute a charged off credit card account on my credit report that I believe is inaccurate. The charged off account was opened with XXXX XXXX XXXX and was charged off in XX/XX/2022. 

I believe that this charged off account is inaccurate because the creditor 's failure to provide a monthly statement, incorrect reporting of the balance due, to top it off they are also reporting this account 2 separate times on my credit report.

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 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NH

Complaint narrative:
My credit report has a collection on it that is false in every way. The claim is made by Jefferson Capital System XXXX XXXX XXXX XXXX. XXXX, MN. XXXX XXXX XXXX XXXX  was opened by me on XX/XX/XXXX and charged off on XX/XX/XXXX, over three years ago. Jefferson has put on my credit report that I opened on XX/XX/XXXX and the account is still open, this is not true. They are stating I owe {$690.00}, also false, when in fact the original amount was {$300.00}. and charged off by original creditor. Further more I have seen no paperwork, statements, or any other correspondence from Jefferson Capital at all. I only noticed this as it was on my credit report as of XX/XX/XXXX. The info they have placed on my report as debt collection, open account is false, and I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the unfair business checking account fees that have been accumulated in my account. I have been a loyal customer of Bank of America for several years and have always maintained a good relationship with the bank. 

However, over the past few months, I have noticed that my checking account has been charged with numerous fees that I was not aware of. These fees have been accumulating without any prior notification or explanation from the bank, which has caused me great concern and frustration. 

I have tried to contact the bank to get an explanation for these fees, but I have not received any satisfactory response. I believe that I have been taken advantage of, and I want the money back that has been charged to my account unfairly. 

I am writing to you, the Consumer Financial Protection Bureau, in the hope that you can help me resolve this issue. I urge you to investigate this matter and take appropriate action against the bank to ensure that no other customers are subjected to such unfair business practices. 

I have attached copies of my account statements showing the fees that have been charged to my account without my knowledge or consent. I hope that you will take immediate action to help me recover my money and prevent this from happening to other customers in the future. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OH

Complaint narrative:
Offer clearly states Bonus will be deposited within 45 days of deposit verification. Deposit verification of {$3000.00} cash took place on XXXX when the account was opened and all other stipulations/qualifications to receive the {$500.00} bonus were met. On XXXX, which was the XXXX day since XXXX, the bonus had not been deposited so I contacted the person at the bank who had opened the account, XXXX XXXX. She forwarded my complaint to her superiors and then called me back the following Monday saying that they said 1st 60 days must pass before the " within 45 days '' takes effect. I told XXXX that that was not what the fine print said. She agreed so she resubmitted the inquiry to her superiors. A few days later she called me and said they were not going to deposit any bonus until 45 days after the 60 days were met. 

This is in violation of the attached mailing I received from USBank. This constitutes consumer fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I am the co-signer on a vehicle leased from Veros credit. They have been calling me for several months stating the car note is behind by 2 payments. I have spoke to some one twice this week ( XX/XX/23 and XX/XX/23 ) and asked them to repo the vehicle. First guy I spoke to stated I am the primary on the account but I don't have say so if the vehicle can be repoed. Which does not make any sense at all. The second guy I spoke to stated, " they just want their money, they are not going to repo the vehicle and they will continue to call me. '' They still continued to call that same day. They call more than 10 times a day. I woke up today ( XX/XX/23 ) to 9 missed calls all within 1 1/2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to express my deep concern regarding the excessive number of hard inquiries and soft inquiries that are present on my credit report. I believe that these inquiries are having a negative impact on my credit score, and I am therefore requesting that they be removed. 

As you may be aware, hard inquiries occur when a lender or creditor checks your credit report as a result of your application for credit. Soft inquiries, on the other hand, occur when a lender or creditor checks your credit report for non-credit-related purposes, such as pre-approving you for a credit card offer. 

Unfortunately, I have noticed that there are far too many of these inquiries on my credit report, and I believe that they are unfairly damaging my credit score. This is particularly concerning to me because I have worked hard to maintain a good credit score, and I have always made my payments on time and in full. 

I understand that it is important for lenders and creditors to be able to check credit reports when making decisions about credit applications. However, I believe that there should be limits in place to prevent excessive inquiries from being made, especially when these inquiries are not related to actual credit applications. 

I am therefore requesting that you take action to have these inquiries removed from my credit report. I believe that this will help to improve my credit score and ensure that I am not unfairly penalized as a result of excessive inquiries. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely,

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 2023-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX  XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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 the list of accounts listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: MS

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital Closed my account due to fraudulent activity and have continued to charge interest. I have called and questioned them and even tried to settle but they refuse to work with me on the matter. I believe it is illegal for them to charge me interest if they have closed my account and I would like to be refunded on the interest they have charged me and to settle on a payment to pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXX, this month, I received unsolicited emails from Capital One notifying me an account has been opened in my name with their bank. They assigned some account number. 
Heres info from their email : Sign in to your account Sign in Capital One XXXX XXXX XXXX XXXX Routing number XXXX On XX/XX/23 I received a email saying a debit card was on its way and asked me to activate it. 
They asked me to add money into this account to activate it. 
A physical card was mailed to me which I cut up and threw in the trash since I never requested any of this. 

Then I received an email saying : Account closing soon -- your new 360 Checking account is ready for you ( it's fee-free ) The email also stated ways to add money to this account : Account ending in XXXX | Routing # XXXX Action requested : Your new account is waiting. 
You can get started with any amount. 
Hi XXXX, When you bank with a Capital One 360 Checking account, your hard-earned money works even harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. 

You have access to these benefits as long as you fund your account within 60 days of opening, otherwise itll close automatically. Get started today or see our 360 Checking Guide for more information. 
You can add money in 3 ways : Today XX/XX/23 I received an email asking me if I signed into this account from a new device. 
Did you sign in from a new device? 
A new device was recently used to sign in to your account. 
When : XX/XX/XXXX at XXXX XXXX  XXXX What : A Chrome browser on Windows A device we didnt recognize recently accessed your Capital One account. If this was you, you can ignore this message. If youre not sure or have further questions, visit the help page to learn more and understand why we send these kinds of alerts. 

I am very concerned about this. In the past Capital One has aggressively sent unsolicited credit card offers which I always have ignored. This is much much worse. They are deceptively trying to open bank accounts in peoples names, trying to trick them into funding them, etc. The very first email about this from them at the top of the email in the header I noticed it said they got my info from a mailing list. 
I have never applied for ANY account opening at Capital One. Please ask them produce proof of request with signature approvals from me? They need to Stop ever claiming an account has been opened in anyones name without their request and express consent. This is Fraud. 
I have the email threads to forward if you need them. 
Please take action! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXXXXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

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 2023-04-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

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 2023-04-29 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: AZ

Complaint narrative:
Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX Personal Loans XXXX XX/XX/XXXX Equifax XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXXXXXX 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 Equifax 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 Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: MI

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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