vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE.

TRANSUNION IS IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE TRANSUNION CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
TRANSUNION DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- 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 explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: UT

Complaint narrative:
I have now had two overdraft fees with Huntington Bank and when I have tried to contact them regarding the timing and problem I have received an automated system message that there is a system error and that there is no assistance at the time and the machine hangs up on me. 

The first overdraft happened on XX/XX/2019, on XX/XX/2019 after my flight landed {$100.00} was transferred from my XXXX XXXX Primary Account in order to ensure the amount was positive within 24 hours. I received an email on XX/XX/2019 notifying me of the overdraft and that I was protected by Overdraft Protection however I had previously transferred the funds the day before. This resulted in a {$37.00} Overdraft fee accessed to my account ( though their messaging told me that I had protection for overdraft on the morning of XX/XX/2019. ) The second situation happened today on XX/XX/2019. I received notification when my flight landed that my account was overdrawn however I ( again ) had been traveling for work and was in the air most of the day unable to have internet access in order to transfer funds from my XXXX XXXX Primary Account into my Huntington Account. I called Huntington and each time I was greeted with an automated system that there was a system error and I could not be helped then hung up on. 

This is completely unacceptable as this is the second time I have tried to transfer money from my primary account to my Huntington Account ad have been denied and charged an Overdraft Fee though funds were sent the day of and communication was failing on Huntington 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
Back in XXXX My husband got a XXXX Credit Card and I was on account. He was sent to XXXX for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a lease that is on auto payments and the payments were supposed to of been deferred because of a hurricane in our area. One car was deferred but they didnt defer the other on and the payments starting coming out after the payment was due. This started in 2018. Chase has admitted it was their fault about the deferment but they said they cant do anything about the late payments. This has affected my credit in a big way and needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I did schedule with my XXXX credit card a payment of {$300.00} on XXXX XXXX ONLY ONE TIME. When my XXXX credit card withdrew {$300.00} from my bank, I didn't have enough funds on my account so Bank of America returned {$300.00} and also charged my {$35.00} overdraft fee which is fare and I agree to it. But then my bank suddenly let my credit card charge my account {$300.00} SECOND time and again returned this amount back which cost me ANOTHER {$35.00} overdraft fee which I don't agree to pay to my back because I haven't schedule it twice. It is absolutely not my fault that my bank let my credit card charge them twice instead of only one time and I'm not responsible for paying double overdraft fee for the same transaction of {$300.00}. If my bank does this manipulation without my permission, then it shouldn't charge two times. I explained it all to an agent of Bank of America but, AS ALWAYS, they can't help which is why I have to write my complain here. Thank you for reading it.

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 2019-06-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ditech Financial LLC
State: PA

Complaint narrative:
In XXXX I purchased a manufactured home. I have been making automatic payments on the XXXX of the month, every month since then. In XXXX Ditech became the loan servicer for this account and continued to collect these automatic payments. The amount due has always been in my account and deducted. I have never been late. On XX/XX/XXXX I received a billing statement from Ditech claiming that I was late on my mortgage payments and that XXXX and XXXX had not been paid. Both payments had been deducted from my account on the first of the month and are documented in my bank statements. On XX/XX/XXXX I called Ditech to correct the error. I spoke with a man named XXXX. He told me that for some reason Ditech claimed I had a {$50.00} late fee and was holding the remainder of the funds in suspension. He agreed that I had never been late and that the late fee was an error. He spoke with his manager and assured me that his department put in a request to rectify the error and bring my payments up to date ( remember Ditech has my money, they just aren't crediting it to my account ) and that everything should be fixed by Tuesday of the following week ( XX/XX/XXXX ). I asked him what he meant by request and what I should do if this 'request ' wasn't honored. He said it would be, that his department put the request in to another department that would make the changes. No guarantee, of course, but what can I do over the phone? On XX/XX/XXXX, Ditech again deducted my XXXX payment from my account. However, they also reported to the credit agencies that I was late on my payments. My credit score has dropped from XXXX to XXXX. This will cause irreparable harm to my finances and most likely result in increased APRs on my other accounts, which I can not afford and should not be experiencing, as I've worked diligently for over 30 years to pay all of my bills on time. Interestingly, when I called Ditech 's XXXX number and gave my account information, the system reports my payments as current.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON,XX/XX/XXXXMy card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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:
EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXXXXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
on XXXX XXXX i made my march payment to Santander consumer USA. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX  account to make payments. Prior to making this payment i was in XXXX. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that santander has not yet taken out the payment so immediately contacted santander i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, XXXX & XXXX ) that i received a missed payment from santander. I immediately contacted santander and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with santander for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through XXXX and Transunion. XXXX and TransUnion each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX  which shows no bankruptcys in their system. How is it that XXXX and Transunion verified through XXXX XXXX and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA XXXX and TransUnion would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX and a letter from the XXXX district of Tx.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;

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 2019-06-07 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:
EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY  CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXXXXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX   XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX I received a " Payment Reminder '' from a company called FORTIVA claiming to be a retail creditor, and listing the last four digits of an account number. I do not have any idea what " FORTIVA '' is or represents, and did not open any account with a company by that name. The email directs me to pay a minimum payment of {$30.00} by XX/XX/XXXX and lists an address to send a check or money order. It is a 'noreply ' email and I have tried calling the toll free number provided but putting in the numbers listed in the email as the 'last four digits ' of the supposed account starts a loop of a computer voice rejecting that input, and asking me to input my nine digit social security number. I did not do that and immediately did an internet search to find out what kind of company FORTIVA is. That is how I found this CFPB site. I have not received any of the common required disclosures from this creditor ( that I would expect from any credit holder ), nor do I have any form of charge card. 

ALSO NOTE : In the final step of this complaint process the form wants an address that the billing would go to ... as I have no knowledge or information about this account, I DO NOT KNOW what address, however, to finish this complaint I reluctantly will indicate the same address as my primary address - I am conflicted as I do not want to provide a company I perceive as a bad actor with access to my correct information.

Company response to consumer: Closed with explanation