vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
I received an email from FNBO-Direct on XX/XX/ confirming they received my application for an account. I was given an application number. 
I had not opened or requested an account and thought it was a fraudulent email from a fake bank. I confirmed that FNBO-Direct is the First National Bank of Omaha-Direct and I that are an actual bank. I forwarded the email to their report phishing attempts believing I was sent a fake email from the bank. 

On XX/XX/XXXX XXXX I was sent an automated email thanking me for reporting the phishing. 

On XX/XX/, I received an email from FNBO-Direct stating that Our attempts to make a trial deposit into your XXXX XXXX XXXX XXXX Checking account using the information provided in the application process have failed. 
I did not apply for an account with FNBO-Direct, nor do I have an account at the XXXX XXXX XXXX and therefore did not fill out an application with this information. 
On XX/XX/, at XXXX XXXX  Eastern I called FNBO about this issue and spoke to someone who wanted me to give my social security number to access the account application, and I refused to give them my SS number and ask to speak to someone else. I then was transferred to someone from FNBO-Direct who could assist me by accessing the account information based off the application number that was in the email. I explained my situation and the emails I had received from their bank about a fraudulent account opened in my name. I live on the XXXX XXXX and would not open an account at the First National Bank of Omaha or have a XXXX XXXX account because I dont live in either of these places and have no need for this. She closed the account and told me to contact the FTC.gov to report the fraud and to contact credit check companies such as XXXX to see if additional accounts were created in my name. 
On XXXXXXXX XXXX- found an email saying my attempt to open an account was closed because information couldnt be confirmed. The email was sent at XXXXXXXX XXXX but I did not see the email until XXXXXXXX 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 2023-10-26 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: FL

Complaint narrative:
I submitted police reports and all of the required documents to transunion in relation to identity theft. Transunion did not investigate or remove the items correctly after they gave the companies 30 days and the companies did not respond

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 2023-10-25 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-25 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
There are multiple discrepancies on all 3 of my credit reports. I had my identity stolen in XXXX and there have been bank accounts opened in my name, fraudulent checks ordered, and likely more.

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 2023-10-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE UPDATE MY CREDIT REPORT, I NEVER LEAVE WITH THAT ADDRESSES, PLEASE REMOVE IT FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have tried contacting this company multiple times. I've emailed and called. I have received no response. XXXX sent over the information for my payment plan, yet they haven't updated my account to reflect the correct monthly payments. 

Their customer service department is non-existent, and this is unacceptable for a loan servicer. Borrowers should easily be able to get in contact with the providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX line of credit, fixed. Paid off., closed account, claims I owe XXXX more dollars, I disputed, three different times, each time, they. They claim they fixed. Said they had issues with computer glitches,., Then time went by and they started sending me, this request again. I do not owe XXXX from a XXXX credit limit XXXX.Paid off., which means they move the goal post, so they can get more money from us.I reported to credit XXXX, etc XXXX Harassment stoped for awhile, now they started back again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car was repossessed XXXX XXXX XXXXXXXX. I never got a notice or email that my car was up for repossession. I hate to pay {$1000.00} to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraud was made in my acct. I was not notified that a check was signed and deposited via atm and also a {$1000.00} withdraw was also made from an atm with out my approval. I usually get notifications via fraud text messages for approval. I live 1 hour 30 mins away from area atm was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My bank ( XXXX XXXX XXXX ) accidentally submitted a dispute for a charge made to the Town of XXXXXXXX XXXX ( which uses Chase as their banking institution ) totally {$190.00} on XX/XX/XXXX which I had no record of in my account. I had called XXXX XXXX XXXX XX/XX/XXXX ( as I was advised to by the Town of XXXX ) XXXX for them to make sure that it was my card that had a disputed charge since my bank never received payment back from Chase for the dispute. Chase never sent the money back from the dispute ( which they should have done whether or not it was placed incorrectly and an accident on my bank 's side ). Because they never sent the money back to XXXX XXXX XXXX, there was no evidence of a dispute being done on this charge, and it took me until XX/XX/XXXX to find out an accident had happened on XXXX 's side. If Chase had sent the money back when the dispute was filed, it would have been obvious to me that I would need to pay the XXXX of XXXX, CO again. 

I would like to add that the only information Chase was really willing to provide me was that a charge back was issued to them on XX/XX/XXXX and that I needed to talk to my bank to find out more information. I was treated as if I was the worst customer experience that the customer service lady had, and like I was a complete waste of time. Any small question I had was answered with, " XXXX, you need to talk to your own bank about this, '' when I was asking questions that were specific to Chase/JP Morgan in this instance and not for Canvas Credit XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Some the information that was reportedly on my credit was not accurate. I ask to have it removed. Took me years to get approved for a home

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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am fromally complaining against CAINE & WEINER I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted CAINE & WEINER who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAINE & WEINER stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.

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 2023-10-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Both my spouse and my personal information ( name, social security number, birthdate, and employer ) were used to fraudulently file for unemployment after using Rocket Mortgage to get a quote for the purchase of our new home. After telling a close friend, they said the same thing recently happened after also getting a quote from Rocket Mortgage. Within hours of supplying our PII on the Rocket Mortgage website, we began getting emails about job opportunities as if we were unemployed and looking for new jobs. I initially learned about the fraudulent unemployment claim after receiving the notice in the mail, my spouse learned from his employer that a job verification had been sent. The timing is too coincidental to have been the result of any other security compromise or hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
As noted in my Banking App. A XXXX was processed for my credit card account and was payment in full for the account. I called Customer service and was told that I called in to process a XXXX payment for my account. I have never paid this amount wirh XXXX and I always pay my credit card bill on the XXXX  of the month by processing the payment on the credit card website. My checking account information is stored there. Because this XXXX was wrongfully processed it cause an overdraft return item fee of {$35.00}. I tried logging into my account and Customer service told me that my account was temporarily suspended until I verify my identity. My account was originated with Genesis Financial services and called Destiny Card. XXXX has taken over the Destiny Card. As noted my payment made at the beginning of the month was made to Genesis Financial services for the amount of {$100.00} and no payment was due until XX/XX/2023. XXXX XXXX has since processed the XXXX for the same amount of {$680.00} again on XX/XX/2023. I told Customer service that I didn't authorize this payment and I want My banking information removed from my account. I have faxed a copy of my Driver 's license to the number I was instructed and I still can't login to my account to verify my banking information has been removed. Since the orientation of this credit card account I have always manually processed my payments for {$100.00} per month. Customer service told me to contact my bank to stop the process of the XXXX and I have asked for the check number used to process the unauthorized payment and was not given one. I suspect that there was a data breach and that is the reason why they want to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
CREDIT CONTROL CONTACTED ME BY EMAIL ABOUT A XXXX ACCOUNT WHICH I HAVE OVER A XXXX BALANCE. I HAVE NEVER HAD A XXXX ACCOUNT AND I WOULD LIKE THIS TO BE INVESTIGATED AND REMOVED

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE REMOVE THE FRAUD ALERT ON MY FILE, I DID NOT AUTHORIZE ANYONE TO PUT IT ON MY CREDIT REPORT, I DON'T WANT IT. PLEASE. THANK YOU!

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE REMOVE THE FRAUD ALERT ON MY FILE, I DID NOT AUTHORIZE ANYONE TO PUT IT ON MY CREDIT REPORT, I DON'T WANT IT. PLEASE. THANK YOU!

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander has reported an auto loan on my credit which i provided that don't belongs to to me and now XXXX sold the account to XXXX XXXX and it shows 2 open accounts under one auto loan which is against the law and should be remove from my credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have two credit card accounts with Bank of America.

I had paid off one early and requested the bank to transfer the payments from the paid-off account to the account with an active balance.

Bank of America failed to do this ; instead, they misapplied the payment of the balance-maintaining account, failed to correct it, and misreported that I had missed a payment or two when in fact I have made regular and timely payments via ACH from an external bank.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am forwarding this notice with the intent to resolve this matter of Alleged debt.

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 2023-10-26 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: CA

Complaint narrative:
There is a collection on my report that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: IN

Complaint narrative:
PLEASE UPDATE MY CREDIT REPORT, I NEVER LEAVE WITH THAT ADDRESSES, PLEASE REMOVE IT FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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