vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
On or before XX/XX/XXXX, I contacted Select Portfolio Services asking about the maturation date of the loan. They told me XXXX. I told them that can't be right because I brought the house in XXXX. However, she told me I received a loan modification in XXXX. I never had a loan modification in XXXX it was XXXX. So, I asked for all the paperwork and they didn't send it. I have requested all my paperwork for the XXXX time. I received 3 years of payments and the amounts were changed... Showing, XXXX XXXX XXXX  placed at the end of the loan. I asked her where did the XXXX additional years come from because I did not agree to that and had no knowledge of that amount. She started ro make excuses telling me that they didn't own the loan because XXXXXXXX XXXX owned the loan. I was told my loan was transferred to SPS and now they're telling me that they are not responsible for anything and not the owners. I have been making payment to SPS and all the paperwork comes from them. They have fraudulently placed an additional XXXX  years on to the house plus a XXXX XXXX XXXX  at the end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after theXX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022 facbook advertised a XXXX vacuum cleaner for {$2.00} after filling out a form. After I filled out the form, the merchant, named " XXXX XXXX XXXX' charged me {$54.00}. I immediately messaged them. They did not answered and now has disappeared and can no longer be found on XXXX. 

I disputed the amount with the Apple credit card. The credit card gave me a credit of {$52.00}. For 3 weeks, I have contacted Apple credit card 3 times and said that I never received the XXXX Vaccum cleaner, the merchant is a fraud, that I need to change my account number, and that Apple need to give me the full credit of {$54.00}.

I have a text message from Apple credit card representative saying that they will give me the full credit back but it never happened. I tried again today for the 4th time, and I was on hold for over 1 hr.

Apple credit card AKA Goldman Sachs Bank is failed to comply with the Fair Credit and Billing Act by refusing to give me the full credit since the merchant is a fraud, I did not receive the XXXX Vaccum cleaner, I am not liable to pay the {$2.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, XXXX XXXX  ET, my wife received an email notification showing that there is a wire transfer of {$30000.00} going out from our joint saving account, and we also found out there are two more unauthorized withdrawals of {$8000.00} and {$3000.00}. So, we contacted the Chase customer service immediately to report these unauthorized transactions, the agent told us these were all done at the one branch with my ID presented at counter, and the agent was able to freeze the saving account at the time. We then headed to the Chase branch where those transaction were made, but when we got there, the banker told us since we already filed the claim, there's nothing they can do, so I only could have them to check my information on the system to see if that's my correct information, it turns out nothing matches, and the banker can't change it since the profile if frozen. 
But on XX/XX/2022, around XXXX XXXX ET, I saw a pending online transfer of {$14000.00} from the joint saving account, which suppose be frozen, to a checking account we do not recognize. So, we contacted the Chase customer services again, they said someone somehow unfreeze the account and open a checking account with my name and made the transfer. So, we filed another claim for {$14000.00}. 
On the next day, XX/XX/2022, we went to a Chase branch asked one of the bankers for help. The banker called the claim department and double check with the agent through the phone to make sure that involved accounts are frozen and no one can unfreeze the accounts until the investigation is completed and the banker also put a note on the account stating that multiple identifications are required at branch to make transaction after the accounts are unfreeze, since whoever did it has my XXXX driver license and ssn and was able to create online profile which are now frozen as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX a check cleared my First Midwest Bank ( now Old National Bank ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account so I clicked to view the check. The name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. The line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. The check had been mailed at the XXXX, Illinois Post Office, and obviously was intercepted at some point and altered. 

I immediately went to my First Midwest Branch in XXXX to report the incident. They reported that the check was deposited electronically at XXXX XXXX XXXXXXXX. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. 

An affidavit was filed around the XXXX of XXXX, when I caught the fraud on my account. It has now been over 3 months and Old National Bank is saying that once the affidavit is filed, things are out of their control. My {$1500.00} has still not been returned to my account. It would seem to be a pretty cut and dried investigation, with 2 glaring changes ( Name crossed out and difference between the dollar amount line and written line amount ). Why would it take so long to return my money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Delete In accordance with the fair credit reporting act XXXX  account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Judgment {$10000.00} XX/XX/XXXX Judgment # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX  {$860.00} XX/XX/XXXXXXXX XXXX {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc.
State: VA

Complaint narrative:
In XX/XX/2022 I went to XXXX as a volunteer to support people in need there. I lived in a volunteering camp in the south of XXXX. In XXXX one of the camp inhabitants took my smartphone without my permission and left the camp. 
I reported this case to the local police ( please see the screenshot attached ). 

In a week I got to know that there are unauthorized transactions on my debit card that has been set up on the smartphone. I have reported it to the card company ( Revolut ) and have been told that a dispute has been opened. 

As there was no communication from Revolut- I have been checking the status every XXXX days using their application. I have screenshots from XX/XX/XXXX and XX/XX/XXXX where their customer service told me that the dispute is still in progress ( please see full history in the attached pdf ). However, today, on XX/XX/XXXX, another customer service representative told me that the dispute was declined on XX/XX/XXXX. I asked why his reply contradicted his predecessors and why there was no communication through email but got a reply that this dispute is declined and there is nothing to do. 

I asked to explain why the dispute was declined but got no reply. I also asked to show the exact text of the dispute filed by customer service on my behalf but I have been told that it's impossible because the dispute is already closed. 

Since customer service declined to provide the details of the dispute and the resolution, I'm concerned about whether my case was filed and considered. 

As I still see the fraudulent transactions in the Revolut application - I was able to take screenshots from the app. Please see the attached screenshots with the list of those fraudulent transactions that I didn't authorize as my phone was taken without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
I just checked my XXXX XXXX XXXX score. It used to be XXXX, but on XX/XX/2022 I noticed that it went down dramatically to XXXX. 

I have an A-1 payment history, and I have made 100 % of my payments on time. I have not made any new major purchases. The only change was my address, and I don't believe that should cause such an extreme decrease in my credit score. This is causing me to have difficulties obtaining premium interest rates when applying for loans, and credit line increases. 

I have attached a screenshot of my XXXX XXXX XXXX score to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-09-20 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: PA

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this false information since XX/XX/2022. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NM

Complaint narrative:
My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with XXXXXXXX XXXX XXXXXXXX. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over 40hrs contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on XXXXXXXX XXXX XXXX I see the have a 1.5 star rating with many people in the reviews calling them a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}

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