vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday XX/XX/2021, I had a fraudulent, unauthorized transaction of {$490.00} appear on my bank statement. The charge was from a sports betting website called XXXX based in XXXX XXXX, CA. I have never heard of this site in my entire life as I do not gamble. I went out of town the weekend of XX/XX/XXXX to the XXXX, and the only time I used my debit card was at a gas station in XXXX. The address of the XXXX was XXXX XXXX XXXX in XXXX, CA. I noticed the charge at XXXX a couple of hours later after leaving the XXXX. After noticing the charge, I immediately locked my debit card and tried contacting the " 24 hour customer service '' line at Bank of America. They did not answers after 30 minutes of waiting, so I went to Bank of America the next day. On XX/XX/XXXX, an email was sent to me at XXXX that my debit card was trying to be used in XXXX XXXX , Missouri . Luckily, I had locked my debit card the previous day. I filed my first fraud claim with Bank of America on XX/XX/XXXX and received a {$490.00} credit to my account on XX/XX/XXXX. My claim was denied on XX/XX/2021 claiming that the charge was authorized by me or someone who has the permission to use the card of account. However, I did not authorize this charge and no one else has access to my card or account. On XX/XX/XXXX, I had a meeting with a bank teller to reopen the claim and to provide the evidence that someone tried using my card after I locked it. On XX/XX/XXXX, my claim was denied again because Bank fo America said I or someone I know authorized the {$490.00} charge. Bank of America withdrew the {$490.00} credit from my account, and my issue still has not been resolved.

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 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I've been in the process of closing with Chase Bank for weeks. The last week or so, they have been less responsive and lacked communication when it comes to matters of closing. I was supposed to close on Friday, XX/XX/XXXX at XXXX XXXX  CST ; they were in the process of reviewing my final disclosure for days. They were late and unresponsive with getting this completed on time, even after pushing back closing to XXXX XXXX  that same day. Now that I've rescheduled the closing to Monday, XX/XX/XXXX at XXXX XXXX, they still do not have any idea on when they will have everything ready for closing, even after assuring me that it would be ready. It seems like they do not care about when things get done and how it is effecting their customers and others. Their lack of judgement and communication is going to cost myself and the sellers money to adjust to this, as well as lost work hours for myself. This is unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After attempting to remove hard inquiries from credit report I was given multiple phone numbers to call an attempt to repair a negative impact on my credit this resulted in the problem not being fixed. Was informed to call the credit bureaus, XXXX XXXX and XXXX  to remove hard inquiries that appeared on my credit due to the fact that my credit was ran but never resulted in obtaining the product or service even though my credit was ran. Now months later the hard inquiries are impacting my credit and making it harder for me to get any products or services due to the hard inquiries. Experian and XXXX XXXX refused to do anything and claim they can not help me. I have sat for multiple hours on the phone with both bureaus going in circles on how to fix this I was informed I could fix it to then call the number they provided to then be told I can not fix it. I would like the hard inquiries removed because they are preventing me to obtain an auto loan on my own achievements. The past hard inquiries that are shown on my credit currently were an attempt to get an auto loan intern I was never approved there for these hard inquiries on my credit doing nothing but impacting my score and making it harder for me to get a loan for anything.

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 2021-08-27 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: IL

Complaint narrative:
1. Equifax sent response that XXXX XX/XX/XXXX was not currently showing. 

2. Received report today dated XX/XX/XXXX, which still has XXXX hard XX/XX/XXXX inquiry. 

3. Telephone number ( XXXX ) XXXX next to my address is not correct. Again this number was never my phone number but that of a neighbor same address - XXXX  XXXX with the same last name. 

4. I can not dispute it online because it does not show up. It only shows up when you order a report by phone.

5. I can not speak to a representative because they say I am not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After attempting to remove hard inquiries from credit report I was given multiple phone numbers to call an attempt to repair a negative impact on my credit this resulted in the problem not being fixed. Was informed to call the credit bureaus, Trans Union and XXXX  to remove hard inquiries that appeared on my credit due to the fact that my credit was ran but never resulted in obtaining the product or service even though my credit was ran. Now months later the hard inquiries are impacting my credit and making it harder for me to get any products or services due to the hard inquiries. XXXX  and Trans Union refused to do anything and claim they can not help me. I have sat for multiple hours on the phone with both bureaus going in circles on how to fix this I was informed I could fix it to then call the number they provided to then be told I can not fix it. I would like the hard inquiries removed because they are preventing me to obtain an auto loan on my own achievements. The past hard inquiries that are shown on my credit currently were an attempt to get an auto loan intern I was never approved there for these hard inquiries on my credit doing nothing but impacting my score and making it harder for me to get a loan for anything.

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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
So this debt collector put a {$270.00} debt on my credit report. I have disputed it several times, they say the debt is valid to the credit agencies, but even after asking for written proof of the debt, or disputing it several times, they have not sent me ANY communication, any letters, and have NEVER contacted me once about this alleged debt. I do not know who they are, who the company they represent is, what the debt is for, nor have I ever heard of the original company. I do not know who the original company is after looking them up. It seems to be a medical company from XXXX or XXXX XXXX Florida. I have never heard of the provider or any of the doctors listed on the XXXX XXXX OF FL website that I attempted to contact. I have never been to a doctor in XXXX or XXXX XXXX, FL ( closest to me ) or the other 14 cities far from me, where the doctors are listed from in FL. They refuse to send me any communications or proof of debt for well over 2 years that I've been disputing this debt, and I want the item removed from all credit reports.

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 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
About 2years ago I was contacted by XXXX as my name was used to open 10 different cable accounts fraudulently at the same time. They had sent my name to collection agencies. After going through they concluded that it was fraud wrote me a letter apologising and promising they will erase the fraudulent accounts. However going forward I see this was not done. I still get calls from the collection agencies for debt even though XXXX said they were going to remove them. I have contacted XXXX  severally and they even said in some occasions that it is not showing in their system that I owe.I have contacted the collection agencies and they are stating XXXX has to send them a letter. I have contacted XXXX and they are saying they have no record of debt but however the collection agencies are keeping the debt as a ding in my credit reports. Please save me from these wicked souls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently obtained my consumer credit report and noticed illegal reporting of accounts are being reported. These accounts go against my rights pursuant to 15 USC 1681 and 15 USC 1692. By law any accounts reporting in fruad shall be according to 15 USC 1681c-2 and the mere reporting of these accounts have damaged my general reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2021-08-27 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: NY

Complaint narrative:
I was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credova Holdings Inc
State: TN

Complaint narrative:
On XXXX I applied fro a loan online with Credova Fin . That requested a picture of my ID, cancelled check and a selfie of me holding my ID. I sent them all three picture. Them then came back and requested a picture of my social security card which I would not send them.I received three approval letters via email today stating I was conditionally approved for XXXX offer. I called them to inform them that I would not send them a picture of social security card.I offered to send them a copy of the first page of my tax return and they said that was unacceptable and the denied the loan. Sound fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: WI

Complaint narrative:
On XX/XX/2021 My sister with whom I do not have contact with was contacted from XXXX  XXXX bank asking information about me. On the same day my sons mother with whom I am no longer with received a call looking for my son for information. He is only XXXX XXXX XXXX. I called and spoke to them and was informed that they use a third party vendor for this information. All of this was unnecessary as I have had contact with them within the last month and my information has not changed. Following speaking with Sallie Mae my sons mother called and was able to access my account information and have him removed. I am not sure how they would have given her access to the account as she is not listed and has never been listed as a point of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo, I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my Wells Fargo Visa for {$480.00}, and XXXX XXXX for {$190.00} and {$190.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 
I did as the lender asked and repaid the {$480.00} from my Wells Fargo Visa and the {$190.00} and {$190.00} from my XXXX XXXX MasterCard. 
The deposits were returned on XX/XX/2021 - over 30 days later. 
The deposits were made from a XXXX XXXX XXXX account. 
Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that Wells Fargo could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other Wells Fargo account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 
Regards, 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 explanation
Consumer complaint received 2021-08-27 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: WA

Complaint narrative:
I have used USBank for ten years without much issue. In XX/XX/2021, USBank had enrolled me into an overdraft protection program which I never authorized. One time I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options instead which I declined.

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/21 an inquiry posted to my credit report via XXXX from Capital One. I did not apply for anything with Capital One. I called Capital One and spoke with four different people. These calls were made on XX/XX/21 between XXXX CST and XXXX CST. After no luck, I reached out to XXXX and placed a fraud alert on my credit report ( I was told that would span across all three bureaus ). I also reported the fraudulent credit inquiry from Capital One. 

I would like this activity to be investigated. I did not apply for anything with Capital One. 

Thank you

Company response to consumer: Closed with non-monetary relief