vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX is the original creditor Wakefield and Associates are a collection agency. 
I dont owe any XXXX XXXX XXXX  XXXX and I had XXXX but I was going through an appeal on XX/XX/year>. So I didnt even go to a hospital or use XXXX XXXX XXXX I dont know XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Formal Complaint Regarding Chase Banks Mishandling of Monthly Service Fees and Refund Denial I am writing to formally file a complaint regarding erroneous monthly service fees charged to my Chase bank accounts and the subsequent denial of a refund for a significant portion of these charges. Additionally, I wish to highlight the integrity issues and inconsistent service provided by Chase Bank employees, which have led to my financial loss. 

Upon opening my Chase bank account, I was explicitly assured by the attending banker that it was designated as a student account, exempt from monthly service fees until the cards expiration in XXXX of this year. However, I have noticed unwarranted monthly charges applied to both my checking and savings accounts for an extended period. Specifically, my savings account has been charged since XX/XX/XXXX, and my checking account since XX/XX/XXXX, totaling {$350.00}. 

According to Chases official policy, the eligibility criteria solely require meeting age ( XXXX years old ) and enrollment criteria at the time of opening, with the card valid for XXXX  years. My account was opened in XX/XX/XXXX and is valid until XXXX this year, clearly meeting these requirements. Besidesmy student ID is valid till XX/XX/XXXX as I provided. Therefore, there should have been no monthly service fees incurred during this period. 

In my attempt to rectify this issue, I have contacted Chases customer service on multiple occasions. After nearly XXXX months of persistent follow-up, a partial refund of {$160.00} was arranged by the staff. Regrettably, despite assurances from the customer service team during XXXX subsequent calls that I would receive a response, but my case was closed without any notification or resolution regarding the remaining {$180.00} owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hi my name is XXXX XXXX and I was a victim of identity theft in 2020. I keep getting phone calls and letters in the mail stating that I owe XXXX to XXXX XXXX XXXX  from a debt collectors XXXX XXXX. I file a police report saying that the loan was not mine and that I was victim of identity theft. The company still keep sending letters through the mail. I even notified the credit bureau about to put a identity lock on my credit. One big problem with this that they sued me and took me to court. I went to first court date and they judge said that the company was supposed to call me which they didn't do. I miss the other court dates because I couldn't miss work or I would be fired from my job. I never signed any paperwork for this loan and plus they have the wrong address down on the paper. They made a judgment and I don't know what to do about this company who keeps suing people for a loan they didn't take out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: MS

Complaint narrative:
On XX/XX/year> a hacker was able to access my XXXX XXXX account online. They transferred money from my bank account to my IRA then sent a bank wire using the funds from my bank account and my IRA to an unknown party. I did not authorize any of this. I called swab the day that this occurred. They basically told me that they could put in a recall to try to get the findings but if they could not there was nothing else they could do. However when I opened my schwab account I opened it because what they advertises the swab security guarantee which states " We offer you this simple guarantee : XXXX will cover losses in any of your XXXX accounts due to unauthorized activity. 
The highest levels of security are only possible when we work together. To ensure your protection under this guarantee, it is your responsibility to : Safeguard your account access information.1 Please do not share your account access information, including but not limited to your login ID, password, PIN and transaction codes, with anyone. If you share this information with anyone, we will consider their activities to have been authorized by you.2 Report any unauthorized transactions to us as quickly as possible.3 If you suspect you are a victim of fraud, please contact us immediately at XXXX '' I did not share my login information to any individual and reported the unauthorized transaction as quickly as possible but XXXX XXXX is still saying that I am liable for the {$10000.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fig Tech Inc.
State: CO

Complaint narrative:
I sent a letter to FIG LOANS TEXAS LLC which the company received on XX/XX/year>, I requested the documents of which I stated below for the company to verify a debt, after XXXX  days I not receive a response from FIG LOANS TEXAS LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
TransUnion continues to relist a discharged reged debt from XXXX despite the fact that they know it was discharged over a XXXX ago in a Chapter XXXX bankruptcy.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 

Account name : XXXX XXXX XXXX XXXX XXXX Account balance : {$500.00} Account name : XXXX XXXX XXXX In Account balance : {$240.00} Account name : XXXX XXXX XXXX In Account balance : {$430.00} Account name : XXXX XXXX Account Balance : {$640.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from date of notice. I look forward to your response. 

Thank you Resolution I want the transactions blocked and deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX continues to relist a XXXX reged debt from XXXX despite the fact that they know it was XXXX over a yaer ago in a Chapter XXXX bankruptcy.

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 2024-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Around XX/XX/XXXX my Best buy account was hacked. ( my best buy credit card linked to my best buy account ) After about XXXX  days they recovery my account. 
After that on XX/XX/XXXX some one bought something for {$850.00} from my best buy credit card.I called to best buy and reported that I don't know this transaction. 
My card was in my possession and did not authorize to use my card.They sent me a new card and removed that amount from my bill. 
Then they sent my case to security operation.They called me and ask me some questions. finally they rebilled it to my account. 
I HAVE POLICE REPORT ALSO.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 

Account name : XXXX XXXX XXXX XXXX XXXX Account balance : {$500.00} Account name : XXXX XXXX XXXX In Account balance : {$240.00} Account name : XXXX XXXX XXXX  In Account balance : {$430.00} Account name : XXXX XXXX Account Balance : {$640.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response. 

Thank you XXXX I want the transactions blocked and deleted from my consumer report.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union has been asked to remove files on multiple occasions that have been incorrect and do not belong to me. They have been asked for the past XXXX  months to update files to match other reports yet have refused to do so in a very XXXX manner. When called they say its not their job to update files. When given information they file has been removed from other credit reporting agencies they report things as meeting FCRA standards after running XXXX reports on files. When called about issue they state its my issues. Recently they told me I needed to pay {$39.00} for a membership to see my updated report and the report never updated and they again stated that was my fault. Trans union has on multiple times acted Ina malicious, XXXX XXXX  and fraudulent manner when it comes to my file and have only found ways to take money instead of resolving issues. Other accounts have reported XXXX collections and removed the Inaccurate files and trans union has refused, other companies have removed incorrect information and trans union has lied and said they ran disputes when in reality they have not. I have apps that accurately monitor all their disputes and they open disputes for a few days and close them without any actual investigations.

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 2024-06-16 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
I submitted a complaint with experian months ago requesting that information be blocked on my credit report under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX at experian mailed me a letter back requesting proof of identity, my victim determination document and to identify the adverse information. She stated that if I sent in these things that the information I asked to be blocked would be removed within XXXX business days. I sent in everything that was requested without deficiencies, a copy of my id, a bank statement my victim determination letter, and a notary from the state of Washington. They received them and opened my case XX/XX/year>, well it is now XX/XX/XXXX and exactly XXXX days later and XXXX XXXX ACCT # XXXX is still on my credit report.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
XXXX Has restricted and blocked my account for no reason. and will not unblock or give me access to my account or my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I received notification that a hard inquiry hit my credit report on XX/XX/year>. I reached out immediately to this company to find out how they have my info and to shut it down since I didnt start this loan request. I didnt receive a response. The next day I received a call from a rep asking if she could finalize my loan. I told her no, shut it down since it was fraud. I asked how it happened and for the investigation. She shared if I had already reached out I would be contacted shortly. No response. I need to have this removed off my credit report immediately. I also need to know who authorized this loan, where they are trying to have this money sent, and how this happened. This is unacceptable for them to receive a report that someone is fraudulently trying to open a loan and they just ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX ran the correct report on XXXX. The account was removed following your fraudulent Statement stating account met FCRA STANDARS. This was never true and if account dispute would have been ran with evidence account would have been removed properly.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX ran the correct report on XXXX. The account was removed following your fraudulent Statement stating account met FCRA STANDARS. This was never true and if account dispute would have been ran with evidence account would have been removed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received notification that a hard inquiry hit my credit report on XX/XX/year>. I reached out immediately to this company to find out how they have my info and to shut it down since I didnt start this loan request. I didnt receive a response. The next day I received a call from a rep asking if she could finalize my loan. I told her no, shut it down since it was fraud. I asked how it happened and for the investigation. She shared if I had already reached out I would be contacted shortly. No response. I need to have this removed off my credit report immediately. I also need to know who authorized this loan, where they are trying to have this money sent, and how this happened. This is unacceptable for them to receive a report that someone is fraudulently trying to open a loan and they just ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION
State: OH

Complaint narrative:
XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
SALLIE MAE BANK ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank/BARCLAYS BANK DELAWARE 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation