vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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:
I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX picture came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company I have called Equifax and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries Equifax refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank of America XXXX  prepaid card was somehow hacked and XXXX was Stolen from my account.After disputing with bank of America, they denied and closed my claim. I called back in XX/XX/2022 and finally got a reconsideration to have my claim reinvestigated. It is now XX/XX/XXXX which is over the 45 days they said they will either refund my Stolen money or give me an update. I can't get the bank to give me any updates. My landlord has filed an eviction to pay or quit so I'm about to become XXXX  and it's not just me it's also my XXXX XXXX XXXX XXXX  I really need help .please help me get my money that was stolen.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 monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Ive had Navy Federal for a few weeks now. Today XX/XX/2022 randomly during the day my card declined as I was buying lunch, before that my boyfriend sent me some money through Navy Federal and his account was PERMANENTLY RESTRICTED and the lady tried to argue him down the funds were fraud. I found out my card was blocked tried to log in to online banking but it gave me an error and told me to call XXXX ( XXXX ) XXXX I called and the hold times were HORRIBLE! I spoke with one department to be transferred to another just to wait over an hr and the rep XXXX XXXX told me It looks like another XXXX was logged into your account instead of maybe having me reset my username and password if that was the case she gives me this LONG drawn out speech on what I would need to do. Close the account, open a new account, and transfer the money to a new account. This is by far the WORSE experience ever and Im so glad I have back up accounts because I will be withdrawing my funds and going to another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I co-signed for a loan for my son... Im about to declare bankruptcy or loose my home.. the apr and fees are outrageous.. Im trying to get the payoff lowered so I can pay them off so I dont loose everything... my son lost his job then Covid happened ... this has been an upside down loan since the beginning upon reading this company specializes in this ... they have been paid double already then the car was originally worth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone has been using my credit card for XXXX purchases without my knowledge. There are about 127 unrecognized XXXX transactions on my credit card from the beginning of XXXX to XXXX that I recognized on my credit card. These charges did not show up on my XXXX account and were not recognized by any family or friend asked. All the unrecognized transactions added up to about {$6300.00}, all classified as XXXX purchases. After reporting credit card fraud to my credit card company, they closed my credit card and temporarily lifted the charges for those unrecognized transactions. After the credit card company 's fraud department reviewed my dispute, they concluded that I received benefit from this transaction, which I know I have not. I contacted XXXX XXXX  and they found that a separate account has been using my credit card. I submitted another review for the same fraud case to my bank. This time, the credit card company also knew the separate account name that had been using my card and knew the address to where those XXXX deliveries were being sent to. After a second review by my bank 's fraud department, they still concluded that I received benefit for those transactions and closed my dispute. I have records of all my interactions with XXXX and all the unrecognized transactions made on my credit card. I contacted XXXX XXXX  again about my situation, and they said before they could proceed with the transactions records of all my unrecognized purchases, they needed additional documentation to verify my identity and the claim of fraud or identity theft. XXXX XXXX  even found the account holder 's name that make all these charges. XXXX requested an identity theft affidavit prepared in conjunction police report and a copy of the police report regarding this incident. My local police dept took too long to get a case number for my report, so the identity theft affidavit from XXXX expired. This is during the Holidays and Covid time and they have shortened the lobby time at the police department. I showed my bank account my XXXX transaction history with screenshots and my account info, but after disputing again, they once again concluded that I received benefit from those transactions. At this point, I don't know what else I need to show my bank account to prove that I did not make those transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete 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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX per the FTCs recommendation I reported multiple fraudulent transactions occurring on 2 credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
In XXXX I filed bankruptcy and Discharge in XXXX. The 2nd mortgage company disappeared in the bankruptcy and returned 9yrs later demanding repayment with interest or foreclosure. Because they disappeared and I couldn't locate what happened via numerous calls, I assumed the loan was Discharge as well until about 8-10 m9nths ago I began getting statements.

I'm attempting to get a loan remodification and pending the result but fear if they deny it, I'll see the home. The next hearing is XX/XX/XXXX when we'll discuss what happens next which would be only a couple weeks from the scheduled foreclosure date. 

Shouldn't yhe loan have been forgiven after 7yrars of no contact or interest in the property anyway. Nor have they reported to any credit bureau for 9years displaying no interest until now, and I'm beginning to believe it may be foreclosure fraud on senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My friend asked me to cash a check for him because he did not have a bank account and he owes me money. He signed it but I did not endorse it correctly or something. Since then they have frozen my funds and closed my bank account. I have been on the phone with them for over 24 hours total. I have brought in my friend with his identification and they told me a check was already sent to my address. Now they are telling me I have to bring him back in and no check was issued. I am about to lose my car and possibly be homeless because of this. He lives far out of town and it was very difficult to get him in the first time. I have been given conflicting information from the bank and on the telephone multiple times. Like if I come in to the branch they could issue the check to me, I go to the branch and they tell me it has to be mailed to me. Now I am told I need to get him in to the branch again to have it issued because it never was in the first place even though I was told by the banker it was issued and mailed to me on the XXXX of XXXX. This has affected me negatively in so many ways I am sick to my stomach from it. I am seriously about to lose my car and living arrangement. I don't know what to do. They are asking me to do the same stuff I have already done to get this handled. My accounts have been closed against my will and my funds are in limbo it seems. The check was for {$5000.00}. Please help. It was at chase bank at XXXX XXXX  XXXX in XXXX, Washington XXXX. I have done everything they asked and now they are asking me to do it again and again. My name is XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a checking account with BB & T Bank, which was merged ( along with SunTrust ) into Truist Bank in 2021. My checking account at BBT was a XXXX fee account. I recently learned that after the merger, Truist put me, without my knowledge or permission, into a high fee checking account. They were charging me $ XXXX for my checking account. When I learned about this by seeing it in my statement one day I contacted them. They would only give me part of my money back, but they still owe me {$180.00} in fees I did not consent to. 

I was told that XXXX XXXX did this to customers too after a merger with XXXX and I wanted to report Truist for their deceptive practices. 

Thank you, 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 2022-03-24 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Auto Trakk, LLC
State: PA

Complaint narrative:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I discovered hard inquiries on my Equifax, XXXX, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX Bank XXXX : XXXX Bank ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially one that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX Bank, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with Equifax regarding XXXX XXXX XXXX. I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
On XX/XX/2022 I discovered hard inquiries on my XXXX, Experian, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Experian : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

Experian does not provide an option to file an online dispute against hard inquiries. I called Experian 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that Experian had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.

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