vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
Chase debited {$3000.00} from my checking account today ( XX/XX/20 ). I received an alert of an overdraft. When I called customer service, the representative acknowledged the charge and gave me the impression he was familiar with the name on the debit. ( this has happened to me once before, and I was informed it was someone paying their mortgage, same name on the debit ) he transferred me to a claims person who stated they could not cancel the charge even though they knew it was inaccurate she then advised me to close my account and that it would take anywhere from one to three business days after they let the charge settle for the money to be returned into my account. I asked for my claim to be escalated because I could not wait that long for the money ( again, the account is overdrawn by over {$2000.00} ). I was transferred to an escalation representative who then told me the same thing that there was nothing they could do for me. About 4 hours later I called a different corporate Chase number had to tell my story to the operator on the phone to request to file a complaint she then transferred me to a supervisor and he told me that he could not help me and then I was in the wrong Department transferred me and then on hold there was over 20 minutes hold time. It was Friday just after noon when I got the alert. Presumably the charge would settle in the next day so I am meant to have my account in the negative until XXXX next week? That's XXXX days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: NE

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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:
Experian violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and saw somethings that are inaccurate and false on my 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 2023-10-20 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: TX

Complaint narrative:
I recently reviewed my credit report and saw somethings that are inaccurate and false on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-20 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: PA

Complaint narrative:
I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent 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 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NY

Complaint narrative:
U.S. Bank N.A. charges a usury amount of interest on the revolving debt of this account. They have neglected to perform, ongoing, due diligence on this account and have maintained a predatory level of interest despite the fact that the creditworthiness of the account holder is in the top 3 % of borrowers with regard to 'credit score. ' They have failed to take into account the payment history, and the fact that no balance has been carried for longer than 31 calendar days since XXXX XXXX. Additionally, no 'late ' pay has been registered on this account for over a decade and a half ( FY XXXX ). The interest rate ( APR ) on this account needs to be reexamined, readjusted, and reset to reflect the account holder 's creditworthiness.

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 2023-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish inaccurate information on an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In XXXX XXXX  unauthorized and fraud charges were placed onto my account ( authorized user account ) in a foreign country where I was never there. 

Reported this to XXXX XXXX XXXX XXXX XXXX  and they sent out a letter after the investigation stating I would not be liable and that the account is closed. Unfortunately not all the credit bureaus are on the same page. Therefore it is still reflected negatively on my Equifax report which is causing my otherwise credit score to take an unfair dip and also reflects a balance amount that is delinquent but not mine. 

Again, this has been reported to XXXX XXXX and I also filed a report to the Identity Theft agency. Ive attached all the letters and documents to that stated facts. 

This inaccurate reporting has caused my otherwise perfect credit score to take an unfair drop in the score which could impact my ability to obtain credit, if needed for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I recieved a statement from My Mortgage Company Roundpoint mortgage that shows my monthly payment was increased from {$1100.00} to {$1600.00}. I called them to explain why my mortgage is increased, and they said was added extra Insurance in my account as an escrow. I have already PMI and homeowners insurance and I refused to add extra Insurance. I called them more than one time to remove it from my account because Im NOT agree and I dont want it, I didnt give them a permission to add an extra Insurance in my account and Im unable to pay more than my original mortgage, but stil they didnt remove it, so I took out the autopay to clarify this situation because Im not supposed to pay an extra insurance if Im not agreed.

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 2023-10-21 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 received a copy of my credit report. To my surprise, you are reporting this accounts incorrectly. Those collection are not mine, but also shows a past due balance, there are account, credit cards and a lo more. 

_ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely,

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 2023-10-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX advising that I received a letter from XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.

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 2023-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed a dispute with XXXX on XX/XX/XXXX advising that I received a letter from Bank of America, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.

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 2023-10-20 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: GA

Complaint narrative:
Transunion violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.

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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to LVNV did not respond. XXXX XXXX responded as the image I will load titled XXXX XXXX, they claim they have contracted with LVNV to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file XXXX XXXX No proof of claim was sent to me by LVNV instead they contracted/sold my personal information to XXXX XXXX while they still report LVNV on my credit profile, at this point I feel deceived and mislead do I owe XXXX  XXXX, LVNV, or XXXX XXXX. XXXX XXXX and LVNV have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank. 
I wrote a check for {$10000.00}. to XXXX XXXX in Virginia as a deposit for the purchase of a property in Virginia. We reside in California. We began to receive text and email " Fraud Alerts '' from Citibank. Citibank wanted us to push a button that said that we 'DID ' or 'DID NOT " write check # XXXX on certain day for {$10000.00}. Well, we did write a check for {$10000.00}. but the check was check # XXXX, not # XXXX. We did not want to push the button for the wrong check number, but we did not want to jeopardize the purchase of the property, because we did indeed write a check for {$10000.00}. on said day. We drove to Citibank in XXXX XXXXXXXX, California. The banker, at her desk, had us call an XXXX number. When we spoke to the Citibank Representative, she was useless and had us call another XXXX phone number for another department .... and around and around the XXXX phone numbers we were routed. No one could help us and we finally gave up. The bank representative at XXXX XXXXXXXX Citibank had us move from her desk because we were on hold for so long. 
The bankers at Citibank would not help us resolve this ; they either could not, would not, didn't have a clue as to what to do, or did not have the power to effect a resolution. 
We were floored and finally left, problem unresolved. 
I called the real estate agent in Virginia, who said ... .. " well, I dunno ... .. just push the button, I guess. '' So ..... I did. 
I don't think it was fraud, I think that the electronics picked up a 6 instead of a 5, that the electronic 'eye ' read XXXX instead of XXXX. But, shouldn't Citibank be required to intercede and resolve this check number inconsistency? 
BUT .... not one in Citibank could/ would help me resolve this! We were in the bank in- person. They could not or would not over-ride the system or communicate with the fraud unit to resolve this important matter ; all they did was tell me to call an XXXX phone number.

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 2023-10-21 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: KY

Complaint narrative:
TransUnion reporting personal checking XXXX XXXX XXXX XXXX XXXX XXXX  on credit report. No, extension of credit. Not a collection account. Reporting inaccurate information.

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 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
This month I got 5 overdrafts fee for a total of XXXX, when the amounts covered was XXXX . We are talking about 35 % profit for you. I fully understand and appreciate that you cover some of the automatic transaction, but when the covered transaction is bigger than XXXX the bank return it even when is an automatic monthly transaction, but for smaller amounts for streaming services and memberships the banks never returns. For example my gym is XXXX XXXX per month but wells dark charged XXXX, XXXX is XXXX XXXX  per month but the overdraft is XXXX . There is a systematic patter here of picking and arranging small amount transactions that represents a big profit for the bank in overdraft fees or am I wrong?. 
Im not sure how to interprtate the XXXX or XXXX XXXX  check ..I dont remember, that you sent me months ago because I qualified for overdraft adjustment

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 2023-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my equifax credit file Also Office of the Attorney General office due to the discrepancies due to XXXX XXXX. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),

Company response to consumer: Closed with explanation