vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX breach, and the black market, I need these to be removed. ''

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 2023-06-07 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: TX

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX breach, and the black market, I need these to be removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
This is the second instance where I am challenging these entries on my credit report, yet no concrete actions are being taken to rectify the situation. It seems as though a thorough investigation isn't being conducted ; instead, the items are simply being verified automatically.

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 2023-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the second instance where I am challenging these entries on my credit report, yet no concrete actions are being taken to rectify the situation. It seems as though a thorough investigation isn't being conducted ; instead, the items are simply being verified automatically.

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 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: NV

Complaint narrative:
Someone used my personal information as a result of IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX, and I am a XXXX  XXXX  living in XXXX XXXX, IL. I have a credit card with Bank of America, and it's a joint account with my husband, XXXX XXXX, who is a XXXX veteran. Starting XX/XX/2022, I started experiencing fraud on this account for more than XXXX dollars. I called the bank and started a dispute, but they only gave me a small portion of the money back, and still haven't finished the investigation after six months, but they took the temporary credits away and started charging me interest while this dispute was still ongoing. I spent more than XXXX hours and called them more than 20 times. Everyone gave me some different answers, but no one gave me a clear answer why. Furthermore, I never received any notifications from BOA of what actions they were taking. I was totally in the dark. I feel extremely disappointed with how we are being treated as seniors who are victims of fraud attacks. I hope the government can help us get our money back.

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, at XXXX XXXX, I contacted customer service via phone and was informed that my account had been blocked due to unauthorized login attempts. The representative on the phone instructed me to visit any branch with my license to have the block removed. On XX/XX/2023, at around XXXX XXXX, I visited TD Bank in XXXX, NY to discuss my account with XXXX XXXX. However, I was advised to return the following day to speak with the fraud department as they had already closed for the day. 

On XX/XX/2023, at around XXXX XXXX, I went to TD Bank in XXXX, NY, and spoke with a representative who did not provide me with his business card. He informed me that my account had been closed due to activity on XX/XX/2023, at XXXX XXXX  that did not comply with TD Bank guidelines. He declined to elaborate when asked for further details and only provided me with a card with the number XXXX. He did not disclose his name during our initial interaction. 

I am aware that my account has a negative balance and made a deposit of funds via XXXX on XX/XX/2023, which was unfortunately declined. 

I was also unaware that the bank offered the option to block my debit card from approving purchases when there were insufficient funds. Additionally, I have not been informed of the specific reason for the closure of my account. I have not received any phone calls, emails, or other forms of correspondence regarding this matter. 

I experienced feelings of humiliation during my interaction with the representative at TD Bank in XXXX, NY, and I believe that I was not treated with the respect that I deserved. I am seeking a resolution to this matter and request that TD Bank in XXXX, NY take appropriate steps to rectify the situation, such as inviting me back in to reestablish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This complaint is an add on to my last complaint since it only allows me to list 3 companies. 

XXXX XXXX XXXX XXXX SANTANDER CONSUMER There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with Santander Consumer to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Sunnova Energy Corporation
State: TX

Complaint narrative:
I was awarded a {$1000.00} XXXX gift card for buying a backup battery that was an additional {$12000.00}. I did receive the XXXX  gift card in XXXX of XXXX and used approximately {$180.00}. I noticed today that the card expired in XXXX of XXXX. No big deal, I will just call and get a new card. WRONG! I was informed by Sunnova that once the card expires, they are " unable to issue a new card and set the balance to XXXX  '' this was per a representative in the rewards department that I spoke with today. 

This disclosure is not written on the card anywhere and I was not informed of this until I called today ( XX/XX/XXXX ). {$810.00} they are refusing to honor and I dont understand because I held up my end of the contract that awarded me the card. I bought a system ( that has been giving me issues since installing and I am having issues obtaining service that was promised, but that is a different issue all together ). 
That gift card was my benefit in exchange for the additional purchase I made. I dont understand how there is an ability to " set the funds to XXXX  '' after I already followed through with the promotion and utilized the card... 

I have contacted them requesting a check in the amount {$810.00} or a new valid card with the above balance on it. 

I have a card ID number for reference that I can provide so that my card can be identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over 8 years and should not be on my credit report at all after 7 years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: MD

Complaint narrative:
Original Creditor - XXXX XXXXXXXX XXXX XXXX Amount : {$630.00} Collection Company XXXX XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit 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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have the Goldman Sachs Apple Credit Card and have contacted them 2x about the problem that they froze my card for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During XXXX, my husband 's hours were cut, my Mom who had XXXX had reached the maximum payout for her long term care, so I became her full time caregiver and XXXX of my children moved back home. We were having difficulty making the house payment, so I called the lender and they granted a forbearance over the phone. I did not sign any paperwork nor was anything discussed regarding payment arrangements. I extended the forbearance in the same manner several times. 
There are 3 homes on the parcel, 2 of them are rented. The XXXX came in XX/XX/XXXX, because the tenants turned the rentals into XXXXXXXX XXXX XXXX. My husband and I were XXXX  and they never went after the tenants. We discovered a water leak in the main home that did {$140000.00} in damages. The lender, SPS was aware and received the insurance payments to disburse. 
Once the remodel was completed in XXXX, we were once again able to rent the homes and began making mortgage payments. The lender rejected the payments and in XX/XX/XXXX filed a Notice of Default. 
Since this time I have been working with the lender to reinstate the mortgage, but they are insisting on {$100000.00} in back payments. I was assured the foreclosure would be halted while we were attempting to make arrangements. 
Yesterday I was notified they have moved forward with a foreclosure sale dated XX/XX/XXXX! I have been unable to speak with anyone other than a customer service rep to go over any repayment options. California has a program where they offer up to {$79000.00} to bring the loan current, but I am unable to speak to anyone about an arrangement to lower the total to at or under {$79000.00} and possibly place the remaining balance on the back end of loan or make additional principal paydowns. 
SPS Servicing is the servicer, XXXX XXXX  is the lender and XXXX XXXX XXXX Processing is the one who filed the sale date. I just received the name and number of the attorneys involved, XXXX XXXX XXXX in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: MD

Complaint narrative:
Original Creditor - XXXX XXXX XXXX  XXXX Amount : {$630.00} Collection Company - XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit 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 non-monetary relief
Consumer complaint received 2023-06-07 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: MD

Complaint narrative:
Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX Amount : {$630.00} Collection Company - XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

Complaint narrative:
This is the second instance where I am challenging these entries on my credit report, yet no concrete actions are being taken to rectify the situation. It seems as though a thorough investigation isn't being conducted ; instead, the items are simply being verified automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a merchant who offers services to customers and accepts Discover credit cards. I had a customer get full service any pay through Discover credit card. The customer filed a dispute charge back with Discover on XX/XX/XXXX. 9 month after the service date XX/XX/XXXX. claiming that no service was provided. We submitted documentation confirming that the service was actually done for the customer with consent and signature. Discover decided to give 3 days and sent a letter in the mail requesting the actual machine receipt. letter date was XXXX and information was needed by XXXX. Which I do have with customer signature. when we received the letter, it was already passed that date. Discover gave the customer 9 month to file a dispute and only 3 days for the Merchant to respond. I contacted the Merchant service and the bank who filed a claim on my behalf but were unsuccessful since it was done through a third party. I contacted discover but they refuse to help claiming I am not their customer. This will impact future customers if this does not get resolved since I am not able to accept discover anymore. this was stated to discover online chat and I asked numerous time for their customer service contact info other than phone or chat but I could not get through to anyone. This is the reason behind this complaint so these credit cards are being held to a higher standard than this. Merchant services processor excuse was we follow Discover guidelines and we pass it to you and we have nothing to do with these deadlines. Discover will bounce me back to Merchant services processor and refuses to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter out on XXXX to XXXX, Transunion, XXXX and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation

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 2023-06-07 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 — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I sent a letter out on XXXX to XXXX, XXXX, XXXX and Chexsystems here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, we mailed a check for {$9700.00}, drawn on our Chase Bank account, to NYS Income Tax. On XX/XX/XXXX, the check was posted to our account. On XX/XX/XXXX, we received a call from XXXX  XXXX XXXX ( XXXX ) that an unauthorized endorser, XXXX XXXX XXXX, had deposited the check, through, an ATM, in his XXXX account. The caller asked if they should stop payment on the check. We said they should. They didn't. The same day, we called Chase to initiate a complaint. They said they'd send the forms we'd need to fill out. The forms never arrived. On XX/XX/XXXX, we filed a complaint with our local Chase Bank Officer. We have regularly followed up with Chase on the progress of our complaint but there has been no disposition. Chase maintains that XXXX, as the bank that accepted the check, is responsible for repayment. We have copies of the check front and back. Chase deducted the funds from our account without checking the depositors endorsement or the identity of the depository bank. Given the blatantly erroneous unauthorized endorsement and the fact that JPMorgan is the depository bank for NYS tax payments, we do not accept Chases derogation of responsibility. We have asked them to reverse the payout and restore the funds to our account. Side note : We have had to send a second check to NYS Income Taxes. Because this second check was sent after XX/XX/XXXX, we were charged interest and a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief