vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a series of purchases were made from someone elses XXXX  account using my Chase/XXXX  Rewards card . In total, there were nearly XXXX XXXX small transactions, adding up to a sum of almost {$6000.00} during this time period. Since these were all small transactions, I did not take notice of them, and I only noticed them in XXXX of this year, at which time I immediately notified the fraud department at Chase Card Services. 

The fraud investigation at Chase was unable to make contact with XXXX and did not receive a response from XXXX. Because it could not contact XXXX regarding these unauthorized charges, the fraud department concluded that since the merchant ( XXXX ) could not be reached and since I have been a customer of XXXX for a long time, the fraud case should be closed and not further investigated. I have this on a voice recording from my XX/XX/XXXX phone conversation with the Chase fraud department and would be happy to forward you a copy of the recording. 

The above response from Chase is simply unacceptable. Just because Chase can not make contact with XXXX does not invalidate my complaint. Furthermore, the fact that I have a history of purchases from XXXX does not invalidate my complaint either. The card that Chase has issued is branded as the Chase/XXXX  XXXX XXXX XXXX Therefore, not only are holders of this card expected to have a history of purchases with XXXX, but it is expected from Chase to be able to make contact with XXXX to confirm that the unauthorized purchases charged to my card were not made from my XXXX account but from someone elses XXXX account. These are the most basic elements of a dispute investigation that any financial institution is expected to complete before closing a complaint case such as mine. 

Given the poorly executed investigation work done by Chase, I took the initiative to contact XXXX myself in XXXX of this year. On two separate occasions, on the phone, I asked the XXXX representative to run some of the XXXX order numbers in dispute, and in both cases, the person confirmed on the phone that the purchases were NOT from my account. I have these conversations recorded. I have also filed a police report related to this case and am attaching it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
1. The unauthorized Transactions, from Bank of America debit and two credit cards, have been done by same account and with the same day. 
2. We have called about the fraud during processing and the bank take very long time to make the process.

3. The fraud on our first credit card has been solved but on the second one got rejected, which does not make any sense as they have been done through the same way and situations.

4. For security purpose, usually the bank call the customer when a large amount of transaction is transferred and they did not. This regarding the {$6700.00} ( the unsolved one ) - posted XX/XX/XXXX. 
5. The bank is saying that the unresolved fraud claim is coming from an authorized device, but gave 0 explication beyond that. We believe that we are being unfairly treated as we have not performed said transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: VA

Complaint narrative:
Complaint Id of complaint lodged via phone on XX/XX/2022 is XXXX. I was asked by CPFB to attach documentary evidence. That is attached. Thanks. 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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is regarding a XXXX US Bank credit card.. The card was acquired under false pretenses. I had a US Bank debit card and repeatedly contacted US Bank on how to make a direct connection. The software failed to connect. The option I was told was unavailable. I had this option with my XXXX debit and credit card. I got the credit card under pretenses that it would solve this situation. The credit card was able to connect to XXXX, although I could not connect my checking account. This was made worse by me not being able to manage my credit card on the US Bank website. It cause me a lot of hardship with not being able to manage my finances. They want me to pay the over {$5000.00} balance, which I refuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: IL

Complaint narrative:
I went to XXXX XXXX on Saturday XX/XX/XXXX to get my ears pierced. The piercing was free but the earrings were {$79.00}. With tax the total amount due was {$91.00}. I was charged twice .The duplicate charge never disappeared from my account. It was for {$91.00}. I called XXXX XXXX and they told me to talk to my bank ( USBank )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX  account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had just gotten a XXXX  XXXX  card which is through Comenity Bank. I used it 2-3 times during the first month. I have been trying to pay my bill for over a month online and on phone unsuccessfully, while it is accumulating interest. For a few weeks when I call they said their offices were temporarily closed due to unforeseen circumstances. Now when i call they keep you on hold and don't answer. Today i was on hold for XXXX hours before I hung up. 

I checked their facebook page and they have a notice I will post below. There are thousands of comments of people having the same issue and they are saying the bank is a Fraud. Please advise me what to do. This is the message : " You can service your account online using EasyPay and Account Center or by phone using our Automated Voice Response System. If you would like to speak to a member of our customer care team, you may experience longer than normal hold times. 
We know our recent system disruptions have been frustrating and inconvenient for some of our valued customers. We strive to deliver best-in-class experiences, but we have recently fallen short of the quality service you expect and deserve, and were committed to improving. Thank you for your patience. FAQs : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The merchant : WELLS FARGO CARD SERVICE XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: WA

Complaint narrative:
I am a victim of identity theft. I have taken proper steps to protect my identity. I was alerted by my credit monitoring service on XX/XX/2022 that I had new activity on my credit report. Under further investigation I found that XXXX XXXX XXXX provided services to a home in XXXX OH under my name and SS # which I DID NOT AUTHORIZE! I have never lived in nor stepped foot in XXXX Further, I don't personally know anyone who lives there. The debt incurred was not paid. It was then sent to a collection agency by the name of Associated Credit Services Inc. The debt is {$340.00}. This debt is now on my credit report and of course is dragging my credit score down. XXXX XXXX XXXX never ran my credit as I have a freeze on my credit. I was never alerted that someone was trying to run a check on my credit, the whole purpose for a freeze. XXXX XXXX XXXX used my SS # without running a check first and is making me jump through hoops to prove that I am not the person that lived at the home they provided services to. I am cleaning up a mess that could have been avoided had they simply attempted to run a credit check on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: NJ

Complaint narrative:
The merchant : XXXX XXXX XXXX XXXX XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: PA

Complaint narrative:
Upon reviewing my dispute results received from Equifax who claimed they verified and updated the account disputed, I see that they continue to update the account outstandingly inaccurate and incomplete after having multiple opportunities to comply with the FCRA. 

Equifax states the information provided to determine the accuracy and completeness came from the original creditor, however Equifax is reporting different information than the original creditor. Equifax last payment date does not match the last payment date XXXX XXXX  reported to equifax. Equifax failed to provide complete information such as high credit, scheduled payment amount, etc even though XXXX XXXX  provided Equifax with that information as seen on the dispute results. Equifax reports XXXX XXXX  as charged off but failed to provide the account closed date. 

Also, Equifax failed to prevent inaccurate reporting by XXXX XXXX  : If my last payment date was XX/XX/2021 ( which is incorrect ) setting my balance to {$2200.00} then why is the balance now {$2200.00}? Nothing has changed. That triggers the high credit to change from {$3500.00} to {$3500.00} which again is incorrect. 

Equifax has violated several laws listed below : 15 usc section 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 usc section 1681 i ( a ) ; If ANY information disputed is found inaccurate and incomplete the consumer reporting agency must update or delete items disputed 15 usc section 1681s-2 ( b ) requires the credit reporting agency to examine sufficient evidence to determine whether the disputed information is accurate.

15 usc section i ( b ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description by not later than 15 days In addition, I have the right to privacy according to 15 usc section 602A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: LA

Complaint narrative:
We entered into Loss Mitigation with our Mortgage company. Our documents were due on XX/XX/XXXX. We overnighted all documents and have proof of receipt. We never heard back from the mortgage company about receiving any documents so on XX/XX/XXXX we called to make sure everything was done. We were initially told that they received nothing and they sent us a declined letter on XX/XX/XXXX we pointed out that we had a signature that our paperwork was received. After putting us on hold they found who signed for the paperwork, said they must have put it somewhere and assured us they were going to get everything in order, let us know if they needed any additional information within 3-5 days, then a decision would be made within 30 days. On XX/XX/XXXX after not hearing anything for over 60 days we made contact to get some sort of an update. We waited until XXXX in the XXXX  for someone with the loss mitigation team to reach us and mid call, the worker hung up and never reached back. When we tried to call back we were told the loss mitigation team was gone for the day and they would return our call.. the representative we talked to also told us that in the system the paperwork looks like it was never received, the only thing in there was the declination from XX/XX/XXXX and we will have to start the entire process over with new documents and information. We sent them over 150 pages of information that they needed and they neglected to do their end. Its the afternoon of XX/XX/XXXX and we have still yet to hear from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
On XX/XX/2022, I sent {$400.00} via Zelle to XXXX by originating the payment from my XXXX checking account for two concert tickets. The recipient confirmed he received the payment as we communicated over the phone and text message. The Zelle transaction number is XXXX for {$400.00}. The recipient disappeared after repeated attempts to contact him and never provided the concert tickets to me. I notifi ed XXXX and they originally told me the transaction was covered. Upon additional conversations, they told me that I should not use Zelle for such a transaction and the funds were unrecoverable. I also made numerous attempts to contact Zelle ; however, they make it nearly impossible to submit a claim or report the fraudulent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: LA

Complaint narrative:
On XX/XX/XXXX there was an unauthorized charge of {$490.00} on my Bank of America account. I immediately called the merchant and they told me that the charge was from a previous finance charge I never paid from XXXX. However it wasnt from my account it was from a different account that someone had apparently used my name. They refused to help so I called BOA and they said I had to wait for charge to clear before I could dispute. I waited and on XX/XX/XXXX it cleared and the merchant was somehow able to charge another {$490.00} which put my balance at over XXXX dollars, my direct deposit the following day out my balance at a few dollars. Bank of America wont give me a provisional credit even tho I have all the evidence in the world the charges were not authorized and were fraud. XXXX informed me that they have 10 days to give me the credit but when I asked a boa customer service she informed me that they didnt have to give me a credit at all. Then on XXXX the XXXX both of my claims were closed due to duplicates even tho they werent duplicates they were two different charges. But it now says my claim wasnt initiated til XXXX the XXXX. Which I guess gives them another 10 days. I cant wait that long. Im about to lose my apartment, I havent been able to buy groceries and Ive been surviving off co workers and friends loaning me small amounts of cash. I dont see why Im being denied provisional credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
a fake loan company hacked into my Wells Fargo account to process a loan I thought was legit The fake company/thieves XXXX  money into my account then XXXX  it back to themselves then cancelled the payment they did It took me about 2 days to figure it all out They also did provisional credits on my account from previous bills I had paid months earlier THis put more money into my account. By the time I caught on I was out {$2800.00} Wells Fargo took over a month to investigate and I was denied any reimbursment form my bank. This was considered Elder Abuse and was contacted by local police and county also which was all nice but I have had zero restitution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Opened Venmo account on XX/XX/XXXX to get reimbursed from a friend that I helped purchase tires. 
XX/XX/XXXX Venmo froze account for no substantiated reason for single transaction. Photo ID documentation was uploaded as requested on XX/XX/XXXX. 
Inquiry on XX/XX/XXXX indicated the review would take XXXX weeks, significantly longer than the initially informed XXXX business days. XX/XX/XXXX informed minimum time for information review is XXXX days. During all inquiries, was hung up on several time and places on hold extensively. No supervisor or XXXX could determine specific reason for freeze after single transfer of funds into my Venmo account. Currently Venmo has {$620.00} in funds in my account frozen and refuses to return it to the original person that transferred it so that I may conduct transaction using different means such a as XXXX or cash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: VA

Complaint narrative:
Experian refused to properly investigate the bankruptcy on my report. 
I provided them every documents and they keep claiming that it is mind. 
I request the proof and they refused to do so. One person put on automatic calling and claim that was the proof it it was mind. This is violation of my rights under FCRA. 
Experian claims that they verified information from XXXX XXXX and when I provide letter from XXXX XXXX plus my full report from XXXX XXXX Experian refused to properly investigate. 
I attached both letter and my full report from XXXX XXXX here. 
I also Attached the letter from the court stating the facts that they do not report to Experian while Experian claims they verified through court. That is a lie and violation of my rights under FCRA. 
I attached the screen shot from Experian website claiming that XXXX XXXX provide them the information. That too is a lie and my full report will show that. 
Experian claims that there is pending litigation and that too is a lie.

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