vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: NC

Complaint narrative:
XXXX is the insurance provider offered to XXXX XXXX customers. They charged ( overdrafted my account ) my account for a device that wasn't returned as if I was able to. In essence they have some shady practices if they want customers to just buy a new phone or pay a deductible twice the amount of a new phone for a refurbished one, well they are very good at ripping people off and have succeeded in doing so. 

I never received the shipping label. I contacted them three different ways to get the address to send the damaged device back to and got no response. 

Attachments See my email attached sent in XXXX. 

See their emails that provided no address for the customer to keep their end of the deal. 

See my account overdrawn for an amount different from what was stated in their email. 

See customer contact form and online portals that either don't work or XXXX is unable to monitor.

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
Was sent a credit card ( unsolicited ) from US Bank early XX/XX/2020 and when I called customer service number on card, I was told acct and card opened by OH unemployment dept. 
I told US Bank to cancel card and that I was concerned about fraud, as I had never reported unemployment to ANY state. 
I was told by card service to contact OH unemployment dept ( to aid in closing account ), and upon doing so, I was told that dept could not find any information under my name or social security number. 
I wrote a letter of complaint to US Bank Co ( XX/XX/2020 ), but never received a reply. 
I would like to file formal complaint with US Bank.

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 2020-11-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCHASE Reporting continued late payments on vehicle lease account XXXX. 

Ive had several cases open over the past year and each time Im told issue is a mistake and resolved only to have late payments reappear and harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An identity thief opened a fraudulent account for {$500.00} with XXXX in my name around XX/XX/XXXX. XXXX and XXXX have removed the fraudulent account from my credit, however Experian listed XXXX as a chargeoff for {$740.00} and it is negatively impacting my credit by lowering my credit score 150 points. It is making it difficult for me to apply for an apartment lease. I contacted XXXX on XX/XX/XXXX and they told me that Experian made a mistake in listing it as a chargeoff instead of removing it from my credit, but they refused to help me any further. XXXX stated that they would contact me within 24 hours of XX/XX/XXXX but they never called me back. Attached are my credit scores from XXXX and XXXX, my dispute results showing that this fraudulent account with XXXX was removed from my credit with XXXX, and the ID theft affidavit that I sent to XXXX around XX/XX/XXXX. XXXX never attempted to contact me to verify my identity before opening this fraudulent account in my name. I never signed any agreement with XXXX. XXXX makes it too easy for identity theft to occur and they are very unhelpful in assisting in correcting the identity theft situation that they have created.

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 2020-11-04 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: LA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Tuesday, XX/XX/2020, I deposited at about XXXX local time the sum of {$600.00} CASH via ATM on XXXX XXXX XXXX , XXXX XXXX , CA , into my Credit Card Account ending in XXXX. 

Regrettably, on Wednesday, XX/XX/2020, Bank of America is UNLAWFULLY WITHHELD CREDITING MY ACCOUNT, in clear breach of their own Terms of Contract & Service with me-which unequivocally stipulates that Monies or Checks deposited by XXXX on a business day would be CREDITED the next business day. Accordingly, I strongly believe Bank of America 's action is not only capricious, but DISCRMINATORY as well. 
I say this because the previous week, I had tried to make a payment by XXXX for the amounts of {$77.00} and {$100.00} respectively, which was REPEATEDLY DECLINED. Bank of America sent me a Text and Email to verify these two transactions, which I promptly did. 

Indeed, on the night of XX/XX/2020, I also called Bank of America, spoke to the " Fraud Department '', and assured them AGAIN that the aforementioned XXXX transactions were made by me. I was assured that the necessary NOTES would be made on my Credit Card account, and that my Account would not be " blocked again ''. 

Despite this affirmation and confirmation by Bank of America fraud department staff on XXXX, Ms XXXX ( Employer ID # : XXXX ) of Bank of America `` Contact Center for Credit Card '' told me today that the reason why the {$600.00} deposit was being withheld for the next five days ( i.e. until next Monday, XX/XX/2020 from being credited was ostensibly because Bank of America was waiting for it " to clear '' their system. This is clearly LUDICROUS and a BLATANT LIE. I mean, it's a CASH DEPOSIT-for crying out loud. 
Against this backdrop, I strongly believe that Bank of America is hell-bent ( albeit unlawfully ) to impose a FALSE NARRATIVE upon me and my account to the effect that there must some " fraud '' going on with my credit card account. This is pernicious DISCRIMINATION.

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 2020-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX, my Bank of America Credit card tradeline limit was lowered for excessive usage. I just received an email today stating that my credit card account was closed due to possible inactivity, delinquency, public records, or balance issue. I called Bank of America to resolve. I was told that they couldn't do anything about it and I will receive a letter in the mail. My daughter was also on that credit card as an authorized user because I was trying to establish good credit for her as well. This has now altered both our credit scores and I'm considering a civil suit for financial discrimination. We are Americans of XXXX descent and posed no credit risk higher than anyone else. My account was paid off religiously and carried full available credit at the time it was involuntarily closed. I am disgusted with Bank Of America. 

" ACCOUNT CLOSURE Account number ending in XXXX Bank of America Unfortunately, we've made the decision to close your credit card account ending in XXXX on XX/XX/XXXX. 
We wanted to let you know about this change in your credit card account status as soon as possible. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

If you have any recurring payments linked to this account, please be sure to make other payment arrangements. 

We apologize for any inconvenience closing the account causes you. 


Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America, N.A. Member FDIC. Equal Housing Lender XXXX Bank of America Corporation. All rights reserved. 

This email was sent to : XXXX EMAIL-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 2020-11-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2020-11-04 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 a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from 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 2020-11-04 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: NJ

Complaint narrative:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from 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 2020-11-04 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: LA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-05 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Usaa Fraudulently enrolled me without my knowledge in a covid banking program that waived my NSF charges. This harmed my credit because when there was an issue with my usaa credit card payment I was unaware even though I logged into my account daily. Had they left my account alone I was have known there was an issue and resolved it quickly. Instead I was notified by credit karma!! Thats awful. Usaa called a number that I said was not a good number for me. They had no right to enroll me in a program that I didnt ask for that gave me no notification of problems. Because if this usaa reported I was 30 days late when I had no idea there was an issue and this was caused by the covid banking program that I never asked for. Why would I ask for a program that blocks banking notices and doesnt help with anything. I didnt need there help if I did I would have asked for a different relief. My credit was great and now because if them it XXXX. Plus they lowered my credit limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: NJ

Complaint narrative:
XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2020-11-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had this Chase IHG rewards credit card for a long time and always paid in full the balance owed each month ( see attached credit card statements showing payment in full each month ). I received a letter from Chase ( see attached statement ) dated XX/XX/XXXX informing me that they were closing my account and listed the reason as : " because our affiliate is ending their banking relationship with you '' I called them to understand what their reason meant, but was told that they could not give me any additional information. 
I then received a check ( see attached ) from Chase telling me that there was a settlement in the Chen vs Chase and that I was entitled to for previous credit cards that Chase had abruptly closed between XX/XX/XXXX and XX/XX/XXXX. See attached. 
So what I fail to understand is that if Chase agreed to pay a settlement for closing accounts between XXXX and XXXX for the same reason that they closed my Chase IHG account in XXXX, how does that make any sense? And by the way my credit scores with all three agencies ranges from 780 to 820 at any given time. 
I would greatly appreciate any help in getting this matter resolved. I do have other credit cards with other banks such as XXXX  XXXX XXXX and XXXX but it is the frustration and anxiety caused me by the revoking of my Chase credit cards ( both in the past and now ). As in XXXX I asked Chase to explain why they took this action and as in this case now, they refused to answer. I even hired an attorney in XXXX to write to them but to no avail. They simply refuse to give any details other than : " because our affiliate is ending their banking relationship with you ''. 
Your help is greatly appreciated. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IN

Complaint narrative:
I have submitted a total of 4 notarized letters to Transunion requesting that the accounts on my reports that are in question be verified with proof ( signatures, contracts etc. ) or to delete them. Not only have they never sent any feedback regarding the accounts that they claim are " verified '' but they also failed to provide proof of verification. The last letter I sent to Transunion regarding this detailed that I will sue them if they leave these accounts on my report. It has been months and they are still on my account with no action or follow-up to my letters taken. I intend to complain to the XXXX XXXX XXXX  and Federal Trade Commission also if they keep these fraudulent accounts on my report. It is prohibiting my rights and they're not following law.

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 2020-11-04 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have received notification from my credit monitoring agency XXXX XXXXXXXX XXXX XXXX, there was an inquiry reporting to my XXXX  credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling Synchrony/ PayPal to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for XXXX. 
Unfortunately there is no way to communicate with PayPal at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on 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 non-monetary relief
Consumer complaint received 2020-11-04 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: NY

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-04 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: NJ

Complaint narrative:
XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2020-11-04 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: NJ

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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