vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank sent notification in their XX/XX/XXXX statement that a $ XXXX monthly fee would apply beginning XX/XX/XXXX. I could avoid this charge if I maintained a {$300.00} minimum daily ledger balance. 
On XX/XX/XXXX, I deposited funds to bring my balance to {$310.00}. Therefore, my minimum daily ledger balance since XX/XX/XXXX was over {$300.00}. 
They took the {$4.00} service charge anyway on XX/XX/XXXX, stating that the minimum balance was {$260.00}, which was the minimum balance prior to XX/XX/XXXX. 
If the minimum daily balance requirement applied beginning at the start of my statement period ( XX/XX/XXXX ), it should have been stated as such. 

The {$4.00} is not the issue - if they did this to me, they did it to thousands of other consumers. The {$4.00} may be a bigger issue for them, and they may not have the wherewithal to fight it.

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 monetary relief
Consumer complaint received 2017-10-07 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX Bank XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XX/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 non-monetary relief
Consumer complaint received 2017-10-07 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : 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 2017-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JMD,LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX continues to report to all the credit reporting agencies a medical debt that I do not owe and have refused to validate the debt. They are collecting for some medical company for a period of time that I had XXXX  and that coverage was XXXX XXXX. I could not have had a medical bill during that time. I have told them this and they refused to investigate, validate and remove. I asked them simple questions like what was the date of service and who was the provider and they told me that they did not have the information but they are still reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I hired XXXX XXXX XXXX to contact JPMorganChase on my behalf to do a short sale on my home. On XXXX XXXX, my attorney notified me that Chase wanted another appraisal due to the last XXXX being canceled. I thought that was strange because XXXX people came out to appraise my home. I contacted the last appraiser and she assured me that she submitted all of her documents. I reached out to the customer service rep handling my case with Chase on the same day and she told me she did n't receive the appraiser 's documents. She claimed to have checked again while on the phone with me and insisted that there was no appraisal. On XXXX XXXX, my attorney received a call indicated that Chase wanted about $ XXXX on the purchase price and that the rep said the documents were no uploaded to her. My attorney said they would counteroffer because my buyer offered $ XXXX. I thought everything was going okay. The next thing I knew a letter from Chase arrived on XXXX XXXX, saying the short sale was denied. My attorney called back to Chase and the rep said that the rep said the short sale was declined due to the arrearage of the home. I am totally shocked by this since Chase knew of the arrearage and should have said something months ago. Anyway, on XXXX XXXX, I got a XXXX check from chase with a letter saying that the check is to compensate me for finding an error that could have extending the document collection period during my application for mortgage assistance. I am totally confused. I notified my attorney about the letter but obviously, she did n't get an answer about the letter otherwise she would have told me. I want to know what happened. I have a feeling that this situation explains the denial of the short sale. As of XXXX XXXX, I got a letter from Chase notifying me of my foreclosure on the XXXX. I want to reapply for the short sale and I will be sending in my documents again because I do want to leave the property. But I need answers and I need my foreclosure stopped. In addition, I have another question about the notice sent by the foreclosing attorney. The first line of the letter from them says that the initial communication letter was XXXX XXXX, XXXX. Can they continue to use that date? Because during that time I had this modification going on. Should n't they start over and renotify me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX ( acct : XXXX ) is NOT supposed to report ANY late payments on my account ONCE the acct has been DISCHARGED from a BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX XXXX and Transunion ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XXXX XXXX, XXXX I have not received a response from XXXX or Transunion. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XXXX/XXXX/XXXX Please attachments-

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 2017-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint concerns TransUnion. When the XXXX data breach was revealed, I attempted to freeze my credit files at all three major bureaus. I was able to do so online with XXXX and XXXX  without any problem. TransUnion, however, is a different story ... 

To begin, TransUnion forced me to create an " account '' for their web portal before even allowing me to REQUEST a freeze ( neither of the other XXXX bureaus did this ). Worse, as part of the lengthy TransUnion " terms of service, '' I was forced to agree to a forum-selection clause requiring me to litigate any disputes with TransUnion in the distant forum of Illinois ( I live in XXXX ). Seeing little alternative, I agreed. 

Despite having jumped through these hoops, however, I STILL have not been able to freeze my TransUnion file. Rather, every XXXX of my dozen or so attempts to implement the freeze over the past MONTH has resulted in an error stating, " We 're experiencing technical difficulties. '' This is unacceptable. TransUnion is a for-profit business whose stock-in-trade is MY personal financial information. I am simply seeking to PAY them for the privilege of protecting myself from identity theft. They have a statutory obligation to comply. If they are unable to process freeze requests in a timely manner ( again, it 's been over a month since the XXXX  breach ), they should not be allowed to operate in this sensitive space.

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 2017-10-07 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:
Good afternoon, My name us XXXX XXXX XXXX, Rest assured I have tried endlessly to get this resoled without getting anyone involved. 

The Equifax credit reporting company keeps reporting a delinquent for an account that I have no knowledge of. under my. I have a derogatory mark for a collections account opened in XX/XX/XXXX..Its from a creditor called XXXX XXXX XXXX XXXX. 

The debt is for XXXX and the debt is now owed by XXXX XXXX XXXX, who has no knowledge of this debt. I have tried to dispute the item on their website and it keeps looping around not completing the dispute. Or I have gotten back emails that the issue is fixed and it has not. No other credit reporting company is reporting me negatively for any dent. I have never been late in any of my payment with any creditor. 

Please assist me in helping me get this item removed my equifax credit file. 

I 'm tryiny got buy a house and this collection debt is preventing from doing so. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I noticed my monthly statement from Lowes had a late fee charged. I called Lowes customer service number and explained that I noticed a late fee charged and that my payment is not late. I have my monthly payment taken out on auto bill pay from my bank. The payment is made the day before the due date. My payment date is the XXXX of each month ; and it is paid on the XXXX. When I call Lowes, they reverse the late charge. Unfortunately, charging a late fee occurred every month. I had to call every month to tell them the same thing ( late fee should not be charged. payment is not late. ) and when I was charged twice for a late fee, ( one fee for being late, another fee for not paying the late fee with my payment ) -- -they would only reverse one of the fees!!! Lowes has since penalized my account because they said I am late so often ( lie ) they have raised my interest rate!! -- -- I notice on my monthly statements, that XXXX XXXX is who takes care of the monthly statements ; I have a JCPenneys  account, too. XXXX XXXX is also the institution that takes care of JCPenneys monthly statements, and I have never had this happen on my account with them. I want this fraud attempt to stop -- -- I want my interest rate put back or lowered. I have not checked my credit report as of yet, so I do not know if Lowes has been reporting late payments on it, and if they have I want all negative remarks or statements removed immediately. one more thing, I initially filed a complaint with BBB, the BBB contacted Lowes, and I did receive a call once from Lowe 's around end of XX/XX/XXXX of XX/XX/XXXX ; and have not heard anything from Lowes since ; I contacted BBB on XX/XX/XXXX for follow up telling them I have not heard anything from them or Lowes, and they said to refile complaint with BBB.

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 monetary relief
Consumer complaint received 2017-10-07 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX, Equifax and XXXX ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XX/XX/XXXX I have not received a response from Equifax or XXXX. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XX/XX/XXXX Please attachments-

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an account on my credit report as having a 30 day past due AFTER account was DISCHARGED. The 30 day reporting has to be removed from my account according to bankruptcy law. 

However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ).

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 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered from XXXX XXXX XXXX XXXX XXXX XXXX Denim Jacket size small color midnight Blue item # XXXX order # XXXX I never received my jacket. from XXXX XXXX XXXX.
1. I filed a complaint with the Federal Trade Commission in XX/XX/XXXX reference # XXXX & XXXX 2. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that I received the XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX item XXXX Denim Jacket Midnight Blue size small re Account # XXXX stating I would be re billed for the jacket I filed a complaint with CFPB ON XX/XX/XXXX / Complaint ID # XXXX  & Federal Trade Commission reference # XXXX 3. I emailed XXXX XXXX XXXX on XX/XX/XXXX and submitted document stating that I never received the item # XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX and I sent XXXX XXXX a Copy of the Police Report from the City of XXXX, CA Po
lice Department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX, FL 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