vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On Thursday, XX/XX/XXXX, my wife made a payment towards our credit card. She didn't realize that it had gone through so she used a different method and now Bank of America has charged us twice. When we called Bank of America to try to remediate the issue. They told us that it needs to process and it'll take 24 hours to return our money. This is now XX/XX/XXXX. We are now on the phone of Bank of America. We started at XXXXXXXX XXXX XXXX XXXX. It is now XXXXXXXX XXXX XXXX XXXX. Bank of America is refusing to return our funds in the time frame that they told us on the phone yesterday. They are now saying that they're going to hold our money for a minimum of 10 days while charging us overdraft fees. I know that it's XXXX  XXXX XXXX and they keep their foot on our throats at all times. But now they're just not even giving me back my money so I can pay my bills. They're greedy and they do not care about their customer base. This is an abomination and frankly I think Bank of America should be audited and shut down.

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 2024-08-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$160.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$160.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$4100.00} under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$450.00} under the account number XXXX, and a personal credit card account opened at XXXX on XX/XX/XXXX with a balance of {$21.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, charge offs, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: MO

Complaint narrative:
I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I called on XXXX asking to close both my accounts. Only one was closed, and on XX/XX/XXXX I was assessed a {$25.00} fee. I called on XX/XX/XXXX and had them waive the fee. I was told I couldn't close the account with a pending transaction and to call the next day. I called them again on XX/XX/XXXX to close the account and was assured the account would be closed. 

On XX/XX/XXXX I was assessed a {$25.00} fee yet again, on an account I was assured should be closed. I was given a credit, and was told to call back. On XX/XX/XXXX when I called I was told the credit was still pending for the fee, and to call back on Monday XX/XX/XXXX. 

Close the account already. It's a systemic issue where Huntington will not close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 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: AZ

Complaint narrative:
This letter is of extreme importance. This morning I received an update to my consumer report of a collection that has been added to my name. I have a fraud alert on my account because I have been previously a victim of fraud accounts. XXXX XXXX XXXX I has open. fraudulent account under my name im not liable for nor recognize. Please delete immediately as its not mine. This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX  XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$4300.00}, XXXX XXXX  {$16000.00}

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 2024-08-16 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: MO

Complaint narrative:
I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.

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 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
My credit report shows that I owe {$1900.00} to JEFFERSON CAPITAL SYSTEMS LLC, with XXXX as the originator creditor. I'm not aware of this XXXX mobile account ; I've never had a XXXX mobile connection. I also called XXXX customer care, but it took me to XXXX XXXX  because XXXX was merged with XXXX XXXX, and they confirmed that the account that appears on my credit report from Jefferson does not exist nor is associated with my name in their records. This has had a significant negative impact on my credit score. I have not received any email or physical mail communication regarding this. I see this entry on my credit report ; it does not belong to me, nor do I have a XXXX mobile connection. I have also filed a dispute with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Dear Sirs : I was offered and I accepted a forbearance plan, and when applied for modification more than once after that ; it was denied. 

Then I was offered a shorter forbearance plan during which I made 2 full payments, and after that, I was required to pay the full reinstatement amount to satisfy the account, by paying several months, which I obviously and clearly couldntdue to the very same reason I fell behind initially ; when the XXXX XXXX XXXX  ( XXXX ) affected and dramatically reduced our income, and we were forced into adhering to the forbearance plan. 

Subsequent Monthly payments have added to the amount, increasing it to over {$11000.00} approximately ; as of XX/XX/year>. 

We respectfully requested PHH Mortgage Servicing Company to move that balance to the end of the account, as a exception and courtesy, since we now have a lower monthly payment and have no problem covering it, now that I am receiving an additional {$1800.00} a month from Social Security retirement benefits. 

Thanks in advance for your kind attention. 
We are looking forward to be approved for this exception by PHH and the investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
It has come to my knowledge that my account was improperly used without my permission or consent by SQUARE INC, my information was accessed by unauthorized users and reports were downloaded without my consent or acknowledgement and causing my account to be closed and me having to use out of pocket expenses. Due to my acgoint being closed I can not provide account number but my social security number is XXXX and my cash tag is $ XXXX. FTC va code states that we have the right to know about data breaches and also request and receive information and records pertaining to my account, cybersecurity & organized crime. XXXX XXXX companies are liable under the FTC to follow these rules. Square Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 
XXXX XXXX XXXX, Chief Executive Officer, and Chairman XXXX XXXX XXXX XXXX Chief Financial officer XXXX /Chief Accounting Officer I will be filing form 211 with theTreasury omb forms to audit consumers account. Squar Inc is securitizing consumers data and refuse to provide consumers with a copy of their consumer file/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
american express has given me the worst customer experience I have ever had thus far. Someone stole and used my XXXX XXXXXXXX credit card on XX/XX/year> and made two unauthorized transactions, one from XXXXXXXX XXXX for {$30.00} on the XXXX and another for {$500.00} on the XXXX of XXXX. I reported these unauthorized transactions as soon as I found out and instead of treating me like a valued customer, american express locked my account and demanded selfie verification. They wouldn't even allow me to report these as unauthorized transactions unless I do the selfie verification which should be illegal. I told them I will do notary instead and amex agreed and sent me a notary packet. I had to get the notary done twice and every time I uploaded it through american express " secure upload '' platform, I received a receipt that I sent it to american express in my email ( screenshot attached ) yet every time I called for an update, american express reps would lie and tell me they didn't receive anything and to upload It again. I got lucky one time i called and had a rep who had more authority who was able to report the transactions unauthorized for me, but then I got an email saying my fraud dispute was resolved for the {$30.00} but the {$500.00} could not be found, yet I am being forced to pay for an unauthorized transaction that allegedly can't be found? On top of that they're stacking up late fee charges and ruining my credit score. I dont see anything more clearly of a lie than that, and I will use this as evidence in court. I'm sick and tired of these games, its so unprofessional and annoying. I have a busy work life and lots of responsibilities, I don't have time to go back and forth, treat me with respect please, because I did everything that was asked of me. I have receipts showing I sent in the notary forms twice, I have receipts in my email showing I reported the unauthorized transactions and proof that American express was being deceitful in its claims that it can not locate the {$500.00} transaction, because it clearly shows on my credit card statements I just downloaded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year> my Chase Bank account was closed abruptly, due to what they described as their automated fraud detection system. Before my account was closed, I had attempted to deposit a check from my former landlord and the check bounced due to insufficient funds. 

I reached out to the landlord and when the landlord ensured me that the account was funded and to try again - I attempted to deposit the check again. That is when the check was flagged as fraudulent and my account was closed. 

The landlord said the money, totally {$3900.00} was withdrawn from his account. But it also never entered my account. My account was closed, and I was mailed my remaining balance.

Chase has confirmed that the funds are still being held until they can verify the maker of the check - however the only way they say they can do that is to make an outbound call tied to a phone number tied to the business. XXXX XXXX XXXX XXXX does not have a phone number associated with it on whatever system Chase uses, therefore it is impossible to do this. I have asked if the landlord could come into a branch to verify the check but Chase has repeatedly told me the only way to verify the check is through the phone call method.

The landlord will also not write me another check because the funds were taken out of his account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Commencing on or about XXXX of XXXX,, I fell victim to a multi-layered scam operation run by a group of scammers ( the XXXX ), which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX the Louisiana Department of Revenue and Taxation issued a check for {$1700.00} to Chase Bank, Check # XXXX. Chase issued a prepaid XXXX  debit card to my mother, now deceased, in this amount. The card expired XX/XX/XXXX. My brother was handling my mother 's affairs. When my brother died the card was found among the income tax filings. It appears not to have been used, but I do not know. I called the number on the back of the card, and got a recorded message from Chase that the number was no longer answered and to call a different number. I did so and was transferred around to several different departments, none of them recognized the number or could retrieve any information. On XX/XX/XXXX I met with a local Chase officer who took information from me to demonstrate I was authorized to act on my mother 's affairs and sent it to legal. Legal affirmed my authority. On XX/XX/XXXX, I met with the officer again who advised me to go to a teller and request cash for the card. The teller could not access the information. On XX/XX/XXXX, I spent 45 minutes with the officer who talked with various departments. One finally took the information and said an investigation would take place. I received a letter on XX/XX/XXXX stating the inquiry had been resolved. No information was given about the resolution. I called the number on the letter. I was transferred twice only to be given a number of another department to call. They did not answer my question. I emailed the local bank officer who did not contact me. I spoke with the Louisiana Department of Revenue three times who said Chase had the money. Today, XX/XX/XXXX the department referred me to the Chase department that replaces prepaid cards. I spoke with three different people at Chase this morning, the last who said they stopped providing this service in XXXX and referred all information back to the state. All Chase departments state that they do not have information on " old '' cards. I advised Chase that I would file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My federal student loan servicer is mohela. There was a transition of mohela so they would have more oversight by federal student loan agency. 
Now my same debt is showing up twice in my credit report. 
One reported at " federal student loan '' and once reported by " mohela ''. 
I contacted XXXX and they stated I must reach out to the company reporting directly. I contacted federal student loans dept and they stated they do not report to the credit bureau and only my servicer reports. I can only assume that mohela was reporting and continues to report an that now under the new agency they created they are also reporting. 
My debt to income ratio is impacted as this doubles my debt prevent in g me from moving on with financial transactions that would typically be approved by a bank but are currently not. I have notified Mohela about the problem. 
Mohela is not rectifying the issue despite my account being completely transferred to their new platform 3 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation