vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: DC

Complaint narrative:
I'm really very upset at U.S. Bank. 

On or around Monday XX/XX/XXXX I was trying to login to my online banking, using the same username / password I always use and is saved in my password manager. After experiencing problems, I called the number on the screen with the error message that my 'Username had been disabled '. I have no idea why. 

The First agent was unwilling or unable to validate me b/c I didn't have my full account number available, and didn't know the date I 'opened the account '. My wallet and card were in my car, and I don't receive or keep paper statements. No other bank asks for this. 

They were rude, and unhelpful. So I called back, and got the same runaround. Was willing to answer ANY other security question, or provide personal information. Didn't help at all. The next day, I went to get my wallet and US Bank Visa to provide the information. 

Today ( Wednesday XX/XX/XXXX around XXXX PM ) I called a different number on the back of my card, and explained this. She had me try to login again from a new browser, which initially worked just fine, and asked me to change my password which I did and as part of this had to enter a code sent to my mobile phone, which worked initially. 

However, when trying to login again it gave me the same error. That my user ID had been disabled. She then transferred me to 'Web Support ' who proceeded to explain my User ID had been disabled *today* ( even though I've been getting the error for 3 days ) and that I would have to call back Friday to try and resolve this... What???? 

I asked *why* my UserID had been disabled in the first place, when all I want to do is make a payment on my account and my car payment... She could not give me an answer, other than call back Friday. I asked to speak with a supervisor, but she told me even a supervisor could not do anything. 

So now I've wasted at least an hour of my time ( *Worth $ XXXX {$1000.00} ) and have gotten nowhere ... To make matters worse, I have to call back on Friday and attempt to resolve this again, when I've done nothing wrong to cause any of this. It's incredibly frustrating.

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 2022-07-27 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act 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 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My current Mortgage was through Suntrust Mortgage who merged with BB & T and is now called Truist Mortgage. In XX/XX/XXXX, I requested a forbearance due to being laid off because of XXXX. I then began paying my mortgage again in XX/XX/XXXX and contacted Truist and requested a repayment/deferred payment package as part of the Cares Act called a Partial Claim. I was told I would receive documents in 30-45 Days. After that time and not receiving the documents I called again and was told the last rep applied for it wrong and they would do it correctly ad now I would receive documents in another 30-45 days. Again the documents did not come, fast forward to XX/XX/XXXX, I am trying to refinance my mortgage through Rocket Mortgage but they need the documentation for the Partial Claim from Truist that I STILL have not received. I have called Truist 2-3 times a week since the end of XX/XX/XXXX and I am always told a supervisor will call me back in XXXX hours but it never happens. I have been told twice that documents would be emailed to me but again that has not happened. My documents are allegedly in the QA department since XX/XX/XXXX but I can't get copies to proceed with my refinance and therefor have been kicked back from underwriting with XXXX XXXX  and have lost my interest rate. I requested these documents originally in XX/XX/XXXX and they did not move to XXXX XXXX  until XX/XX/XXXX ( 7 months later ). The fact that I have gotten completely different answers every time I call Truist and no one can transfer me to a Supervisor or give me a Supervisors ' phone number is ridiculous.

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 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I got a scam pretending to be paypal customer service and they got me to send them {$1900.00} via chase XXXX. 

They told me this was going to be a dummy transaction and they would reject it on their end and it was just for verification of my identity. They asked me to install XXXX app so they can control my phone. And then they asked me to opened the chase app and send via XXXX  to their manager and comforted me I will not lose the money. After I did that, they continued to ask me to deposit money to XXXX. All along the process they rushed me and kept me on the phone saying that they will refund me money as long as I followed. 

I realized this is a scam after hanging on the phone. I immediately checked the XXXX  transaction is still pending, so I called XXXX to cancel it and get my money back. XXXX representative helped me submitted my claim, but I still havent got it back. I was told a few days later that this transaction is done by me so they couldnt get it back. 

This is ridiculous and unreasonable. I already contacted them right after the scam, and they offered no protection on their XXXX  transaction in their app, and there is no monitoring for risky actions like this phone is controlled by XXXX. I need {$1900.00} to pay my rental fee and food this month. I wanted my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: NJ

Complaint narrative:
I received a letter from Midland Credit Management and their Attorney 's stating that I owed XXXX XXXXXXXX XXXX {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX  Inquiries from XX/XX/2020. 
Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, 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, NJ XXXX. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX XXXX XXXX XXXX continually for 5 years label my request " This complaint appears to be about the same issues as your earlier complaint '' when they have yet to provide a copy of the valid, signed, and dated permissible permission to have accessed my credit report in XX/XX/2017.

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 2022-07-27 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Someone applied for and received a credit card with Comenity.XXXX using my information. They then purchased {$5100.00} worth of merchandise at XXXX. I received the credit card statement for this on XXXX. This was the first time that I became aware of the situation. I immediately ( on XXXX ) called XXXX to report the fraud, and they began a fraud investigation. XXXX, the customer service rep. I spoke to, suggested that I contact a credit bureau to report the incident. I called XXXX and did that. I then went to identity theft.gov, which led me here, to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: WI

Complaint narrative:
XXXX originally said I owed a debt. It appeared what happened was they charged a commercial shipping charge on my personal account. ( I am an individual and I explained you are charging me for commercial shipping between two companies I do not know. ) The debt was for XXXX and I contacted XXXX and explained that they were not legitimate charges. I received 2 different letters from XXXX  in the past and each time I contacted XXXX. The charges were for a commercial business. I explained - I am an individual that resides at a residential address. These services were never requested by me or provided by XXXX. This was communicated twice to XXXX immediately upon receiving the notices. I was assured that their error would be corrected, and it would be removed from my account. XXXX failed to follow through on their promise and I have now received a demand letter with the same information. 

I received 2 Demond letters for the same debt. One each from the following companies ; XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX Synter Resource Group LLC XXXX dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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:
I am submitting this complaint on my own behalf with no third party involved. I am requesting that the charges to my account be removed and that any finance and other charges related to the fraudulent amount be credited, with an accurate statement. I am demanding that these fraudulent claims of an alleged debt and negative marks of late payments on my credit be removed from my credit report entirely. This is Identity Theft and is completely against my rights as a federally protected consumer under Title 15 Chapter 41.

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 2022-07-27 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:
I am submitting this complaint on my own behalf with no third party involved. I am requesting that the charges to my account be removed and that any finance and other charges related to the fraudulent amount be credited, with an accurate statement. I am demanding that these fraudulent claims of an alleged debt and negative marks of late payments on my credit be removed from my credit report entirely. This is Identity Theft and is completely against my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
Amsher Collection Services reported a wrongful account to collections on behalf of XXXX XXXX. They reported I had not returned a piece of equipment. I did, however, return all 5 pieces of equipment on XX/XX/XXXX and have the receipt to prove it. I filed a dispute with both Amsher and XXXX on XX/XX/XXXX and uploaded the receipt showing proof of return with all serial numbers noted. I received an email from XXXX on XX/XX/XXXX informing me that my dispute was closed and the collection deleted from my report. The dispute report number is XXXX. 
Today, XX/XX/XXXX, I received another call from Amsher attempting to collect the debt. I informed them of all that had transpired. They informed me that the dispute I filed with their company came back unresolved and that Im still responsible for the equipment. When asked how the receipt doesnt prove return I was told that XXXX XXXX is saying the equipment never made it to their warehouse. As unfortunate as that is, its not my fault where the equipment did or did not make it after it was properly returned. Amsher has informed me that can not remove the collection and I need to speak to XXXX referencing my account XXXX. 

I kindly request that this injustice be corrected. I returned all equipment and am being wrongfully reported due to someone elses poor job performance within XXXX XXXX. Ive provided proof and request an immediate correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX and 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 explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
There have been transactions on my account which I have disputed. These charges many have been from other states, I am XXXX and have not traveled. I have replaced cards due to security issues and have not seen these charges until recent. 

Chase is doing nothing to correct this as a longtime consumer. They would rather state the charges are over the time, as an older woman who is not tech savvy it is easy to miss charges, just as when I replaced my card account representatives never noticed them either. Chase has even said its possible the charges did not post until later. 

Also, Chase has advised there has been a claim recently ( XX/XX/XXXX ) put in for charges which I never created. There are security issues Chase fails to take accountability in any way. 

Currently, there are charges {$160.00XXXX XXXX XXXX XXXX, that Chase refuses to reverse ( XXXX ) {$19.00} ( claim # XXXX ) {$55.00} ( claim # XXXX ) {$320.00} ( XXXX ) {$150.00} ( XXXX ) {$1500.00} ( XXXX ) {$720.00} ( XXXX ) was reversed Claim # XXXX Chase did not reverse all charges {$340.00} ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1.00} ( XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: GA

Complaint narrative:
I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.

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 2022-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket Mortgage. I applied for a VA loan through Rocket Mortgage to buy a home. My plan was to sell my previous home, but I did not want to do a contingency loan for the new house. I spoke to the loan officer who recommended an application for the VA loan at 0 % down for the new house. I was told that if I sold the previous home AFTER I closed on the new home that I could apply a large payment to the principal of the new mortgage and that the payments would be restructured to reflect the reduced principal balance. I proceeded with the loan, closed on the new house, and sold the old house. From the proceeds of the sell of the old house I saved about {$40000.00} to apply towards my new mortgage principal balance so that I could reduce the payments. When I called the loan officer ( a different person ), I was told that VA loans are not eligible to be restructured. I can make a large payment to my principal, but it will do nothing to restructure the loan and my payments will remain the same. Now Im told the only way to reduce my payments would be to re-finance and apply the extra cash as a down payment. The problem is that I do not want to pay closing costs AGAIN and interest rates have gone up significantly since I locked in my rate on the new house ( I closed at less than 3 % ). Because of the the misleading information I was given, my payments are several XXXX dollars more per month than I expected to be paying, which has created a hardship financially. How can we rectify this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: GA

Complaint narrative:
I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-27 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: GA

Complaint narrative:
I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation