vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My bank account was compromised, my identity was stolen, and my XXXX was cashed out without my consent. They also filed taxes in my name, leading to my tax return being rejected. When they hacked my account, they made false reversal claims, and once the money was in my account, they withdrew it and transferred it elsewhere, along with making unauthorized charges and ATM withdrawals. My identity has been misused in various ways, and this entire situation has resulted in unpaid balances and additional fees for things I've already settled. Now, the bank keeps denying my claims, causing my new account to be overdrawn. The bank even took money deposited by my employer to cover this overdraft, leaving me with no funds to pay bills or access my money. Completing the identity theft packet from XXXX and the FTC is challenging because of all this. 

The IRS was unhelpful, and Social Security 's request for a new social security number has also been frustrating. This situation has led to me missing numerous workdays, and I still have no resolution. I dont get paid when Im not working, which means I cant sell to customers while Im dealing with this issue. This identity theft and bank hack could cost me my job and result in my eviction from my apartment.

A few days ago, I consulted with a lawyer, but it seems they are now ignoring my messages. I've already placed a freeze and set up fraud alerts on my credit reports with all the credit agencies. 

The bank is Chase Bank. They told me that the PIN was used, which gave them access to my entire account. I pointed out that my account showed a device labeled as a XXXX XXXX device, but I dont own any XXXX XXXX XXXX, or Android products ; I only use XXXX products. Despite this, they have not taken any action. For the second time, XXXX has taken a direct deposit from my employer, leaving me without any funds. 

The credit agency reports indicate that my identity is listed on the dark web, and I've also received letters in the mail from medical or hospital bills stating that there have been data breaches. These are from medical companies I have never heard of either. 

I spoke with a XXXX Police officer, But they weren't very helpful. They lack effective resources and don't know who to pursue. I reviewed their identity theft packet online, but it was unhelpful. The XXXX Police officer mentioned that the case was too large for them and advised me to go to federal authorities since it involves multiple locations, including the draining of my XXXX accounts. 

I was advised to go online since it appears that everything must be done online these days. I'm not sure why, especially considering the identity theft incident, But the IC3 is quite confusing to complete, similar to other ones I've encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My account was turned over to this collection agency on XX/XX/year> for {$280.00} before reaching out to me when all of my forwarding information was provided and I've not been late on my rent after 9yrs with this apartment complex. As soon I received a notice from the collection agency it was paid, I was baffled why the apartment complex didn't reach out to me, but oh well I just paid it. I reached out to the 3 credit reporting agencies and the said I must go through the collection agency, I had given up, but I, m not comfortable with that. I hadn't realized at that time that a collection status was on my credit report, This collection agency stated that they never remove a collection status from a report and that it will remain for 7 yrs, however I find to except when I did all the things correct as a tenant exiting a property and now I pay the price with a flag on 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 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am writing to formally escalate a complaint regarding PayPals handling of an unauthorized charge, as well as the extremely poor customer service I experienced. 

On XX/XX/XXXX XXXX PayPal processed a charge of {$29.00} to XXXX, which I did not authorize. After disputing the charge, PayPal declined my dispute and deducted {$29.00} from my account balance. I then checked with XXXX, and they confirmed that no such charge was made, meaning PayPal took money from my account for a transaction that never occurred. 

On XX/XX/2024, I called PayPal to confirm my understanding of the situation. The agent I spoke with rudely confirmed that PayPal insists the {$29.00} was paid to XXXX, with no mistake in my payment history. The agent repeatedly spoke over me, refused to escalate the matter to a manager, was dismissive of my concerns, and continually repeated facts I was already aware of without addressing my actual issue. 

This experience was incredibly frustrating, and PayPals refusal to resolve this issue has led me to believe that the company has stolen my money. I expect this matter to be addressed immediately and for the {$29.00} to be refunded to my PayPal account. 

Please investigate this matter properly and escalate it to the appropriate department, as I have already been met with unacceptable customer service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 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: WV

Complaint narrative:
XXXX XXXX XXXX was in charge of my student loan. It then got transferred to XXXX  because they took over for the government on servicing loansXXXX XXXX XXXX XXXX  is reporting that my account is more than XXXX delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at XXXX XXXXXXXX XXXX. The line rings busy. Both transunion and XXXX refuse to remove it from my report but I had never been late.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX was in charge of my student loan. It then got transferred to XXXX because they took over for the government on servicing loans. XXXX XXXX XXXX  is reporting that my account is more than XXXX delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at XXXX XXXXXXXX XXXX. The line rings busy. Both transunion and equifax refuse to remove it from my report but I had never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I have received email from a midland credit management stating they are going to refer my case to an attorney to sue. I never received any notification in the mail I also do not recall ever having a line of credit or authorization to said company to contact me. They also do not provide anyway to communicate electronically as a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Ive had a credit card with American Express for several years, and during that time, Ive consistently charged varying balances to the card and for the most part of this year, Ive always paid them in full each month. In many cases, due to work-related travel expenses, Ive had to make multiple payments in a single month to ensure I had enough available credit for plane tickets and other expenses. On some occasions, I even had to pay more than the credit limit ( {$3500.00} in a month ) just so I can book a plane ticket for work, fully demonstrating my commitment to staying within my credit limit and managing the account responsibly. 

Despite this, American Express recently charged an {$680.00} fee to my card, which caused my card to go over the {$1000.00} credit limit. This fee pushed my account over the limit by roughly {$600.00}, even though I was under the limit before the statement date ( both of which were paid off in full by the statement date ). As a result of this over-limit situation caused by the fee, both XXXX and XXXX Bank reduced my credit limits on multiple cards, directly citing this incident with American Express as the reason. American Express has refused to increase my credit limit despite my excellent payment history and clear demonstration that {$1000.00} is not enough for this card. ( See statement from XXXX demonstrating this ) I have repeatedly requested a manual review of this card and tried to transfer credit from other cards ; however, I get told its algorithmically determined and theres a system error respectively. 

I have also pointed out that I pay tens of thousands of dollars to other Amex cards every month and I have excellent history and Amex refuses to take that into account because XXXX an XXXX on at least XXXX of the cards. 

This situation has seriously negatively impacted my XXXX XXXX and financial standing, and I believe American Express 's actions were unjust and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2024-09-16 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: NE

Complaint narrative:
We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do 1 one but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these 2 lates have not been fixed. We have never been late on our mortgage. And the two lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: NE

Complaint narrative:
We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NE

Complaint narrative:
We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.

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 2024-09-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Last month I received an email to provide the updated condo flood insurance certificate information to this mortgage loan servicer, Nationstar aka Mr Cooper, and I IMMEDIATELY did so. The identical pdf is also attached. Flood policy period is written as CLEAR AS DAY on page XXXX : XX/XX/XXXX to XX/XX/XXXX. The condo has XXXX units and the policy amount is {>= $1,000,000}, which equals the maximum allowable {$250000.00} per unit. The mortgage loan servicer is shown on page XXXX as the XXXX XXXX and the loan number is included. This is the same renewal from the same insurance broker as every other previous year with the newest dates. The mortgage loan servicer farms out the insurance to a third party, who was so incompetent that they claimed that this flood policy that is valid until XX/XX/XXXX did not have correctly valid dates. I resubmitted the form to the servicer 's third party insurance people and also circled and highlighted the dates over a week ago and also emailed that directly to the mortgage loan servicer. To date I have NOT received acknowledgment that this information has been recorded and updated. Today I received from the loan servicer a generic letter failing to acknowledge or update the new condo flood policy, stating that they will get back to me. If a company is too incompetent to update a valid and effective until next XX/XX/XXXX condo flood insurance policy, they should not have a license to service mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for unauthorized inquirys on my credit profile over 30 days ago and still no response from credit bureaus.

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