vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
My husband and I have an account with US bank, along with my daughter who is a minor so my name is on the account. Theres been an overwhelming amount of overdraft fees on all our accounts even though our card is locked and we havent used the account. One day theres money in the account, we havent used our card as I said, the next thing theres all these overdraft charges on there. Weve talked to the bank and all theyll do is remove one of the fees. Its like hundreds of dollars at one time making our account hundreds of dollars overdrawn. My daughters and mine account ( its one account because shes a minor ) is almost {$200.00} dollars overdrawn and she hasnt even used it! These charges are breaking us!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : 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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc.
State: MI

Complaint narrative:
I remortgaged with Zillow mortgage LLC Zillow mortgage account number XXXX. First payment was Sent in XX/XX/2021 to Zillow mortgage through XXXXXXXX XXXX XXXX XXXX XXXX reports check cashed ). Zillow mortgage sold the mortgage to XXXX XXXX I sent a payment in XX/XX/2021 to XXXX XXXX, they received one payment. I telephoned Zillow mortgage, the worker confirmed that the mortgage had been sold to XXXX mortgage, but did not see a payment. Zillow mortgage LLC has not responded to my complaint. Where's my {$920.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I'm submitting this complaint in reference to MIDLAND CREDIT MANAGEMENT INC knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand roof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulation by the FTC U.S C41, et esq.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a checking account with PNC bank under a promotion, one of the conditions being not receiving a promotional bonus within 24 months. I contacted the bank by phone on recorded line before opening the account to check if I received the promotional bonus in the prior 24 months and was told I did not. It is important - I state it is the truth I was told that on behalf of the bank on recorded line, and it can be verified by listening to the recordings. I in fact called multiple times to receive the same answer - no bonus was paid last 24 months according to them.. 
After opening the account I did not receive the bonus on time, and when I started contacting them I received extremely dishonest and evasive answers - from just wait and it will be posted later to ignoring calls, not calling back all multiple times and dragging like this for months. The latest conversation today a female who were brought online at my request for a supervisor. refused even to spell her name after asking me to pronounce and spell mine and disconnected the call over my objections to it, after interrupting and ignoring every single of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I maintain a healthy balance across several Chase checking & savings accounts that exceed their 5-10k minimums. Currently XXXX in there right now. Typically transact about XXXX in money channeled in and out of there accounts annually. Another 40-60k spend on Chase credit cards annually. One of my accounts dropped below the XXXX XXXXhreshold, and Chase racked up fees without notifying me until I caught it a couple months later. I requested a waiver for the fees since I do a lot of business on my Chase accounts and hold a good pile of cash in them. They refused to waive more than the last month 's fee even though I maintain a lot of money across my Chase accounts and do a lot of business with them. To say I am disappointed in this outcome is to put it lightly. I guess I'll close my accounts and bank elsewhere if this isn't resolved to my satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had requested the XXXX credit bureaus ( XXXX, Experian, and XXXX to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.

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 2021-12-01 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

Identity Theft XXXX Account Number : XXXX This is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

. DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received fradulent charges on my Bank of America account from XXXX. 

The charges were made starting XX/XX/XXXX. The total amount is approx {$530.00}. 

I contacted Bank of America to notify that these charges were not made by myself or my business and they are fradulent. The did a temporary reversal and then later in XX/XX/XXXX reversed the credit saying that XXXX is stating that the charges were legit. This is not accurate. There are at least XXXX different charges, many with the same amounts made on my business account. I wrote a letter and faxed it to Bank of America and when i call for status they keep telling me to refax the same letter. On XX/XX/XXXX I called Bank of America and was told by them that the merchant said the charges were legit so the claim was denied. The letter i sent states that I did not make those purchases. I am still stuck with these charges and need my account credited asap. I am a victim

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian allowed the following company to look at my credit report without my authorization. This is illegal and subject to FCRA lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2021-12-01 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX  score was reduced XXXX points on XXXX. I called XXXX to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: PA

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the  2 year history it is not uniform across the board which it should be...

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 2021-12-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXXXXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: LA

Complaint narrative:
THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXXI/ XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.

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 2021-12-01 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: TN

Complaint narrative:
There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires. I have been disputing these inquiries to no avail with Transunion.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I've been dealing with TransUnion since XXXX of 2019. They have failed to report to the credit bureau since XXXX of 2019. I had a bankruptcy that was discharged in XXXX of 2019, and because they fail to notify/report anything after XXXX of 2019 my account shows as having delinquent payments instead of showing the up to date, correct info which is that I had a bankruptcy and the accounts in question were placed in the bankruptcy. XXXX and XXXX have both reported it to the credit bureau and it reflects in my scores, but TransUnion has REFUSED!!!!! to report it I REPEAT REFUSED!!! to report it to the credit bureau they haven't reported anything since XXXX of 2019!!!! That's XXXX yrs of me dealing with them not reporting the right information ... threaten them with fines or whatever you need to do because they are messing with my life and it's NOT ACCEPTABLE!!

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My DOB XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Self Financial Inc.
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, have a closed account reporting on my credit report from SELF FINANCIAL , INC . d/b/a SELF through XXXX XXXX due to late payments. I am writing this in regards to Account # XXXX and transactions. At the time of the occured late payments, I was having financial issues due to me not getting enough hours at work to pay all of my bills. While I make every effort to pay off my debts and fulfill my financial responsibilities, in this instance, I was in this circumstance, unfortunately, unable do so. I have since, been put in a much better position and was able to fulfill my duty to pay off my balance before the account closed. Due to this closed account reporting on my credit report, it is greatly impacting my credit score. I take full responsibility for these late payments and would like to sincerly apologize for my inconvinence and frustration this has caused you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had requested the XXXX credit bureaus ( XXXX, XXXX, and Transunion to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had requested the XXXX credit bureaus ( Equifax, XXXX, and XXXX to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, XXXX, and Transunion. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this

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 2021-12-01 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: TN

Complaint narrative:
I submitted a complaint via this system in the summer. Transunion was supposed to be looking into the issue ( their previous reply is attached to the complaint from XXXX ). The inquires are still there. There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires.

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