vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
On Wednesday XX/XX/2021 I was given a job offer for XXXX in XXXX XXXX XXXX, MN. The job offer ended up being a fake job and the scammers are using the identity of a man named XXXX XXXX. The scammers sent me a check for {$6500.00}. I was to deposit that money into my bank account, which I did on Thursday XX/XX/XXXX, and pay a third party for the equipment to do the job, which I did on Friday XX/XX/XXXX. I was told to pay the amount of {$6000.00} into an account for the computer equipment and to XXXX {$550.00} into a separate account for training. The original check for {$6500.00} ended up bouncing and upon discussing the situation with members at the XXXX bank in XXXX XXXX XXXX and the US Bank in XXXX XXXX XXXX we believe that this was a fake job scam. 

The account that I deposited the {$6000.00} into was an account with XXXX bank belonging to a XXXX XXXX. Account number XXXX. The XXXX account belonged to an XXXX XXXX. His account number is XXXX. I am unsure which bank this account is associated with but I believe that it is US Bank. Both of these counts belong to scammers and the reason why I am writing this complaint is to have these accounts looked into. I have filed a report with my the XXXX XXXX XXXX police department. The case number is XXXX. I also filed a report on the scammers with the FTC. I was told that filing a report with the CFPB would also be a necessary step since this is a banking issue. 

I have spoken with US Bank several times regarding this issue as well as XXXX bank. 

I have included the bank statement with the dates and transaction orders below. I have also included a picture of the fraudulent check as well as pictures of the cashiers check receipt and the money order receipts.

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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  closed the account and sold it back to original creditor. Please remove from my credit file. 

See attached letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted all 3 bureaus- Transunion , XXXX  , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for Transition, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!

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 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Basically my account got locked a few months ago for no reason. I then called in and they said they needed to verify where the money was coming from after 2 years of use they ask for this after routinely making payments of XXXX and XXXX a month and often times paying it off monthly. 

I then sent in documentation that says I am the owner of the account even tho it is under a business bank account on a personal card. That did not suffice. 

Here I am months later, still locked out. Cant pay my bill and cant use another account to pay on it either. They have since tacked on fees and credit derogatorys and are unwilling to budge so this is my only route

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX  has not updated my credit profile. XXXX  has the same exact accounts so why isn't XXXX  updating. It must be updated properly and accurately. I have attempted to remedy but XXXX  ignored the request. XXXX XXXX and XXXX XXXX XXXX and XXXX is in deferment I should not be penalized for points. This practice is fraudulent and discriminatory. If XXXX  is at XXXX then XXXX  shouldn't be at XXXX. XXXX  is not updating. I even tried the XXXX but nothing happens.

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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
Today XX/XX/XXXX, I realized my XXXX  membership was deactivated as I got a new debit card late XXXX, XXXX, early XX/XX/XXXX. My XXXX  membership was not renewed as it was an auto-pay. I went to check my credit score and noticed my credit score significantly dropped and found a charge that was not related and or familiar to me. Torres Credit Service XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Act Grid Code XXXX XXXX XXXX balance date : XX/XX/XXXX ; balance {$830.00}. All of which is not mine. Please help me in removing this item from my report ( s ). Thank you. I have left messages for Torres with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MN

Complaint narrative:
I was on a payment plan with TrueAccord. Making monthly payments on time from XX/XX/2020 to XX/XX/2020, My final payment was to be in XX/XX/XXXX. 
On XX/XX/XXXX I received an email stating Please be aware that there was an error in processing payments that resulted in a payment being charged multiple times. they charged me the {$66.00} four times on top of the XXXX owed. 
XX/XX/XXXX they sent an email We had a system glitch that resulted in the payment plan for your XXXX XXXX XXXX account being mistakenly cancelled. Due to the error, you will need to set up a new payment plan for the remainder of your {$210.00} balance. 
By the time I contacted them they had passed the debt onto another collections agency. ( XXXX XXXX XXXX XXXX ) And said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Need to take this off of my credit report they are saying it was late when it wasnt I was already finish paying for the vehicle XXXX. 
Chrysler Capital has the payments being late during a pandemic which was suppose to be at a stop payment until 2021 which was this year in XXXX all payments were made on time please remove from my credit report. 
can the creditors XXXX XXXX and the othrer one put my credit score on all the same Its suppose to be a XXXX on all credit and XXXX XXXX has it at a XXXX still incorrect information on my credit report for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted all 3 bureaus- XXXX  , Equifax , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for Equifax and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to Equifax and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted all 3 bureaus- XXXX  , XXXX  , Experian to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called Experian- same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!

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 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX the group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " XXXX XXXX I, XXXX, '' which showed Capital One, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But XXXX 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the Capital One card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of XXXX but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TX

Complaint narrative:
I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from Experian and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

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 2021-06-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
These people have reported a debt that is past the statute of limitations in Indiana. They reported this to the credit bureau as a new debt. Since when I look at the credit bureau it does not state this debt is from 2014 and past the statute of limitations for debt collection. Now they are trying to collect. Now my credit rating has gone down because of their debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have 3 years of impeccable credit history with multiple types of accounts and no late payments and have an income of over XXXX a year and was declined for " insufficient information '' on my credit report after applying for a Chase Sapphire Reserve. No documents or verification was requested, no contact from Chase to me about the application besides when I called to check the status. I asked for further clarification on what " information '' was lacking as my credit is essentially perfect, and was told that was the reason for decline, nothing further could be done, and no further information was available. The representative did not bother to review my application manually and even with my insistence that I have plenty of documentation to support my ability to pay including the fact that I run XXXX through credit cards monthly was ignored and dismissed. I had planned to apply for this card knowing it would do damage to my credit reports, yet was left with no options for reconsideration and no further information on " what is wrong '' except a blanket vague statement with no granularity. Being that the representative was so dismissive of me, and gave me no options although multiple sources say there are other avenues, I feel I may have been XXXX against for my XXXX as my voice has strong effeminate characteristics and the representative just seemed to ignore everything I said and just say the same thing over and over again, it felt dehumanizing. I am not just a number I am a person and I have done work for this process and to be left with being treated like garbage, feeling attacked for my identity, and with no resolve, makes me upset and aggravated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
The debit card on which my son 's child support is received was somehow compromised. Upon finding that my balance was much lower than it should have been, I placed a call to EPPICARD, the company that handles the child support cards for Pennsylvania. I took all the requested and necessary steps and got a letter from them saying that they " can not confirm that fraud occurred. '' This company is known for doing this. They do not follow the rules and guidelines for handling fraud. They also suggest that I " resolve by contacting the merchant directly. '' I have filed a police report but the police aren't able to help, citing a lack of manpower to handle the volume of fraud cases. They also advised me NOT to contact merchants on my own. 
I filed a claim for these charges well within the timeframe for which I should not be held liable for these fraudulent charges. This is just wrong of the company to do this, and I feel it is also illegal. 
I have 78 fraudulent charges that took place between XX/XX/21 and XX/XX/21. I am more than happy to provide a list of all the transactions, just as I have provided such to Eppicard and to the police department. 
I feel as if you, the bureau charged with protecting consumers, needs to step in and stop this company from willfully causing harm to recipients of child support and unemployment by their gross negligence and complete disregard for the law. 
This company seems to think they are exempt from the processes set forth by government authorities. This company has a multitude of complaints regarding the exact same issue. 
Thank you for your time. 
You may contact me via email at : XXXX or by phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase dispute services claims the requested fax was not received. On two separate occasions a fax had been sent to the number provided. The amount in dispute XXXX was reversed XX/XX/2021. The second attempt to dispute the purchase reversal occurred XX/XX/2021. The original purchase date is XX/XX/2021, that includes an overlapping purchase. To which, only the book purchase was desired : not a book with monthly subscription and webinar for the above price. Chase and the merchant were contacted directly in an effort to resolve the dispute.. 


XXXX and XXXX XXXX XXXX issues has not been addressed. As stated, in a prior message Chase refused to permanently reverse the XXXX charge. They did communicate about the duplicate charges. However, the CFPB did not achieve the result sought. Which is duplicate charges acknowledgement and reversal. 

That leads us back to ( XXXX  ) our merchant in question, owing a book ( duplicate ) and upcoming conference stream to purchaser. We regrettable ask that Chase and the CFPB, evaluate our claim again. The merchant has been contacted once again and states they can no longer reverse the errant charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
Lending tree has been running my credit since XX/XX/2020 every month without my authorization. I need all the inquiries be remove from my report. And I am Requesting financial protection bureau to please Do so something for this company to put a stop to this company behavior. 
I am looking for credit score damage repair compensation.

Company response to consumer: Closed with explanation