vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally report that a XXXX  Line of Credit account with account number XXXX was fraudulently opened in my name, and I have been a victim of unauthorized charges associated with this account. On XX/XX/year>, I became aware of this fraudulent activity when a collections account from XXXX XXXX XXXX appeared on my credit report. 

I unequivocally state that I did not open this account nor authorize any charges associated with it. I did not receive any communication via email, phone, or mail regarding the opening of this account or the associated charges. The first notification I received was when the collection account was reported on my credit report. 

Furthermore, I have been a victim of previous data breaches, including those from XXXX and XXXX, which I believe may have contributed to the unauthorized use of my personal information. 

I am requesting that you immediately investigate this matter and take the necessary steps to remove this fraudulent account and any related collections activity from my credit report. Please provide me with any information you have regarding the opening of this account and the associated charges. I am attaching my FTC Identity Theft Affidavit and a police report for your records.

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 2024-09-07 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Someone was using my SSN and personal information to open that credit card in the year of 2023 ( XXXX XXXX credit card ), the one with the unpaid balance.

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 2024-09-07 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Someone was using my SSN and personal information to open that credit card in the year of 2023 ( XXXX XXXX credit card ), the one with the unpaid balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Someone was using my SSN and personal information to open that credit card in the year of 2023 ( XXXX XXXX credit card ), the one with the unpaid balance.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting XXXX XXXX XXXX XXXX XXXX  Filing date XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Filing date XXXX XXXXXXXX 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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
on XX/XX/2024 my card was charged without my permission of the amount of XXXX that was manually keyed from the merchant and the actual card wasnt presented i called discover credited card to dispute the transaction they denied they said merchant have a picture of some broken peace on the boat we rent and my card was charge for the boat rental on XX/XX/2024 of XXXX $ and inspection was made nothing was broken we have been regular customer then i woke up next day to see my card charged without my permission and we didnt broke any ladder on any boat discover didnt help me get the fraudulent money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My son passed away in XXXX and he had funds in Chime. Before XX/XX/XXXX, I contacted Chime 3 times and they told me each time they would send the information to the correct department and they would contact me. They never did. My husband contacted them on XX/XX/XXXX and they did send him an email requesting a picture of his ID and my sons death certificate. I sent that information as requested on XX/XX/XXXX. They sent an automatic email saying they would be in touch within 4 hours or longer if it was outside business hours. They never contacted us. He received emails saying that since he never responded to their requests, they were closing the request. We had not received anything else. Again I called and again had to go through everything with a customer service rep as though nothing was in the account records. Again they said someone would contact us. They told us that a different department handles this type of issue and they had no way to contact them other than email. We never heard from anyone again. On XX/XX/XXXX, I called again I explained I was trying to close my deceased sons account and nothing was being done. The man I spoke to said the account was indeed closed on XX/XX/XXXX and they had the necessary papers. He said he was not able to cut a check but filled out a form and would submit it to get this matter closed. He told me the total check would be for {$390.00}. I was to receive an email but I never did. I called again on XX/XX/XXXX. Again I had to start over snd explain everything. I was told that they would have to send an email to another department because they did not handle this matter. I got really frustrated and angry. The way they were treating me, you would have thought there were millions in this account. No one knows what is happening in that institution. You better hope you get everything handled the first time because it all becomes new information every time you call. I was finally able to get a supervisor who again was no help. Shell send an email to the correct department. I was amazed when I did get an email, however, it was asking me to upload the same documents that I have already send but I sent them again any way. I got my email back saying they would contact me within 4 hours unless it was after regular business which could take longer. That was on XX/XX/XXXX. It is XX/XX/XXXX and I have not heard a word. I replied to the email on XX/XX/XXXX and stated that no one contacted me but to no avail. No one will help with this account. I dont want to deal with my sons accounts at all but I have to. I just want it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
I never gave my written consent to pull my credit from the list provided blow. 

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 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 2024-09-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I never gave my written consent to pull my credit from the list provided blow. 

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 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 2024-09-07 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: WA

Complaint narrative:
I had a auto loan opened in 2018, i have provided legal documents of a police report that shows that they auto loan account was opened fraudulently.. they never sent back any verifying papers to show that is was my account or auto loan.. 

XXXX : XXXX XXXX XXXX loan # XXXX Transunion : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

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 2024-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NH

Complaint narrative:
Our mortgage payment on XX/XX/year> went up from {$1400.00} to {$1900.00} per month without notice or any warning. Last year we received a kickback from our escrow account saying that we over paid for our taxes. I called and confirmed they stated we simply over paid, and added that extra to my principle. ( This was within the 1st year of owning our home, so knowing we may or may not have over estimated what our escrow should be. ) Our mortgage dropped from {$1600.00} a month to {$1400.00} a month. On XX/XX/XXXX with no notice my mortgage went up by {$600.00} per month! I called and originally the mortgage servicer said my taxes doubled... I called the tax assessor 's office and they said my taxes went down by {$100.00} since last year. I called the mortgage company back and they told me they made a mistake. They received the noticed from our city for due taxes late in XXXX, so they went ahead ASSUMED our taxes dropped by 50 % ( how would this ever be feasible??? ), and adjusted our mortgage, and kicked us an escrow check. We have been paying {$1400.00} since they told us we over paid ( about a year! ) Now we are footing the bill for the short escrow account and the taxes and home insurance they supposedly paid for us ( without notice our escrow was being over drawn ), which now we owe them back for. A whopping {$3800.00} if we can't do it in one lump sum, it equates to {$600.00} extra a month. I'm paying out the nose for their mistake. This is such an unprofessional practice and could easily force a family into forclosure for unprofessional practice. I work full time and am a student and either me or my wife ( who also works full time ) will now need to find a 2nd source of income.

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
For months I didn't have access to my account and could not use my card, called numerous times but no help kept making payments when I called monthly to make payments on the account because I didn't have access to do it online the balance never changed dispite that my card was locked. When I finally got help I was told there was fraud on the account and I need to fax a copy of my drivers license front and back which I did on XX/XX/year>. Got access to my card now the company is closing my account and I still have to pay on the fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/year> I called they opened my account from deposits I made and went out to do running around and when I got home later on the XXXX I got a message that my account is closed and to call for spending and yes I made purchases so it's wasn't suspicious I had proof of my purchases but when I called they wouldn't give me information and I called 2 different times trying to see why and wouldn't give me information I asked what about my money I have in there and they said it would take weeks to get back when I have bills due my rent and kids to take care of and I moved banks to be with Chase and went to get money orders from closing my other bank to bank with Chase and it's been problems sense day one they held my money orders tell the 6th and still have one holding tell the 7th and when they opened one of them on the 6th that's when I did my running around to get house hold items I needed sense Ive been waiting over 2 weeks to use my account and then theu closed it the same day when i used it for tbe first time and with no explanation or anything i have proof of my deposits from my money orders the receipts of each one and everything i purchased on the 6th and when I contacted them also and i just want my money back so I can pay my bills the money left that i demand back is XXXX the amount i had all together was XXXX but when I did my running around i spent XXXX leaving total of XXXX and some change and had money order deposits still pending for the rest which was XXXX for the XXXX but when i used my account for the first time they closed it and its been nothing but problems sense i switched to there bank and i just want my money back to pay my bills and to never have anything to do with chase bank again its wrong and i called alot to chase and tried everything i just want my money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I wrote out a check from my joint account with my recently deceased father. The check belongs to Huntington Bank. I wrote out the check for XXXX. I received a notification on my phone warning me I may have a shortage of funds in our checking account. The amount of check that was presented to the bank was XXXX instead of what was clearly written on the check for {$6100.00}. The image of the check is online and clearly shows the funds to be taken out for {$6100.00}. I had to deposit an extra {$2000.00} to make sure the balance did not fall short of funding any other checks presented to the checking account. They gave me a case number ( XXXX ) and admitted it was their mistake, but unfortunately they can not correct the amount until XX/XX/year>. I called again today XX/XX/year>, I had XXXX file a complain in their system ( XXXX ) that it is taking too long for Huntington to rectify the situation. 

I am out XXXX. I had to scrounge around for other monies to correct their mistake. This is not the only time I have had issues with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
XXXX ) Our loan was modified in XX/XX/XXXX to a new monthly payment of {$3100.00} ; ( XXXX ) in XX/XX/XXXX, we received notification from our loan servicer that the new monthly payment with escrow repayment was {$2600.00} ; ( XXXX ) in XX/XX/XXXX, your payment unexpectedly increased to {$3200.00} ; and we were reported to be in default then after paying {$6400.00} in XXXX the payments unexplainable changed to {$3100.00}. 
( XXXX ) Unexplained large unpaid sum appears on the monthly statement. When asked XXXX told different reasons that includes attorney fees, bankruptcy fees, inspection fees, cooperative fees and etc with no specific dates. And it varies ; in XX/XX/XXXX it was {$7800.00}, XX/XX/XXXX it was {$25000.00}, XX/XX/XXXX it was {$11000.00}, XXXX its {$18000.00} ( XXXX ) We are requesting a detailed explanation for the payment changes that include specific dates that occurred on this account.

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 2024-09-07 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: WA

Complaint narrative:
I had a auto loan opened in 2018, i have provided legal documents of a police report that shows that they auto loan account was opened fraudulently.. they never sent back any verifying papers to show that is was my account or auto loan.. 

Equifax : XXXX XXXX XXXX XXXX  # XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-09-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One solicited me for a Business Card at 0 % for 12 months on purchases. Somewhere along the process they bait and switched me to a standard offer. This was not clear at any point during the process. This was clearly an unfair and deceptive practice. There is no reason I would not have received the premium offer with strong credit and a well established relationship with Cap One. 

I spoke to servicing and all they would say is NO, NO, and NO. They enticed me with the offer, I am just beginning to establish my business along with maintaining a full time job. This is not OK! If it was clear I would not 1. Accepted the offer and 2. Used the card to make a large purchase.

Also, this is a Business Card and they are reporting it to my consumer file, that was not clearly communicated. Unfair and Deceptive!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit? '' XXXX XXXX 15 USC 1666 15 USC 1637a.a 15 USC 6802

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