vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE bank is reporting 2 erroneous credit cards to all 2 credit bureaus in charged off status. Now we received collection letters and aggressive collection calls for the cards that do not belong to me XXXX XXXX. Numerous attempts to speak with someone at chase went wasted and in a never ending loop of transfers from one agent to another all asking for a full account number for these credit cards in default. Attempting to explain the fact that these do NOT belong to me thus I would NOT have a full act number went ignored .... Then written request to Chase providing them with a copy of my ID and social #, at first Chase finally responded after almost 64 days, stating they " need more information on these accounts, could NOT find any accounts with information and documentation provided ... ''. Then on XX/XX/XXXX we received a big envelope with a copy of electronic application in the name of XXXX XXXX ( NOT ME ) with address NOT belonging to me, and other personal info of ANOTHER PERSON, not even closely matching to mine ... Again calling and writing chase requesting deletion of these accounts from credit report went ignored ... On XX/XX/XXXX and XX/XX/XXXX XXXX sent more letters NOW stating they confirm that information reported to credit bureaus is correct ... HOW IS IT POSSIBLE THEY PROVIDE ME WITH A COPY OF CREDIT CARD APPLICATION OF ANOTHER PERSON WITH SIMILAR NAME BUT DIFFERENT SOCIAL, ADDRESS, DATE OF BIRTH ... THEN STATE THEY REPORTED THIS CORRECTED TO ALL BUREAUS .... ATTACHED PLEASE FIND EVIDENCE OF THIS VIOLATION ON SEVERAL COUNTS ... 
It is also alarming that a big bang like CHASE can just mail out someone's application revealing their social and other personal info, instead of doing a little research and at least attempt to protect identity of their customers ... this is very very alarming. I will be sending my complaint to attorney general 's office, inspector general and FTC this is wrong and I-innocent consumer should NOT suffer from their lack of compliance, negligence and ignorance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust closed my acct with out advising the reason why. I am joint on mY daughters account and son But they dont access to my acct. when they closed my acct, they held my daughters funds and advised her to go to a branch. Nothing was resolved then today suntrust who must be Compromised advised via text that I deposited XXXX from my actual bank to there bank. But my account is closed. I didnt do that. XXXX told me to contact suntrust and make sure my email or number is removed from suntrust XXXX. I called and they say my suntrust XXXX is suspended. I want all of my information to be removed from there system they care compromised. Someone is using my info at there bank to try to deposit money. They are not helping me. XXXX my cell

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I was directed to sign up for an account with them and I had no notice that I was being made to sign up for their credit monitoring service. Why would I want the people who already got my info hacked to manage securing my info? I was told I needed to sign up for an account to see their services. Once I finished signing up for a username/password I get a notice from my bank that they charged me {$26.00} for a service I already get for free from my credit union!!! This is at best shady, and at worst fraudulent. Considering I see they have already been sued for this XXXX in the past they need to refund my money. I will call them repeatedly until I get my money back.

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 2020-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
At about XXXX on XX/XX/XXXX, I was trying to sign into my XXXX account and I was unable too, after several attempts being unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled I had received a text message earlier in the day stating my phone number had been disassociated with my XXXX   tag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email I immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me, I also immediately contacted Suntrust bank, to make them aware my bank card linked to XXXX has been compromised and there are transactions in my account for a total of {$6000.00} not authorized by me, I was informed a case ( XXXX ) was being opened and a decision will be made in 10days. 

I called the bank on XX/XX/XXXX and was informed that the investigation was done and my funds will not be refunded because the investigator found inconsistencies, I asked what were the Inconsistencies? the customer service rep said she was not aware of what they were, I informed the rep I never spoke to anyone to give details of the event that occurred outside of when I called to report the fraud, and details were not taken from me, her response was, the investigator does not have to speak me, I asked how an investigation can be done without me ever speaking to the individual involved in the situation, I've banked with Suntrust for 13years and I'm beyond disappointed at the level of service I've received thus far I've attached proof of my email account details showing it was accessed from NY also proof showing that my recovery email address was also changed by the hacker and they login using an XXXX, i don't have an XXXX, finally a screen shot of all the funds removed from my account without my consent

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 2020-05-28 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:
I AM VIITIM OF AN IDENTITY THEFT, THE XXXX XXXX ACCOUNT ON MY EXPERIAN CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM XXXX XXXX. AGAIN, I MA VICTIM OF AN IDENTITY THEFT,

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 2020-05-28 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: FL

Complaint narrative:
I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
It has been over 30 days that XXXX  has not made any written statement why they are keeping an duplicate account on my credit report. Account number XXXX fell off my account over 7 years ago. The furnisher Portillo Recover has violated the Fair Reporting Act. XXXX  by law has to show me the original date the account was removed from my credit report. XXXX does not have a credit card with XXXX XXXX. Portfolio Recovery Service to remove their name and account off all credit reporting agency in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested a Covid-19 deferment/forbearance for my home mortgage owned by Select Portfolio Servicing Mortgage Company. They told me no problem but followed up with many misleading and deceptive letters stating that I was in default and faced foreclosure that intimidated me into paying the back payments. Please investigate all correspondence sent from Select Portfolio Servicing to  customers that requested to participate in the Covid-19 deferment program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I clicked on a link to get my free yearly credit report and went to the TransUnion website. They push me through a lot of deceptive links ( where the option I wanted was in tiny print and the link that cost more money is green and big ) and I eventually arrive at a page asking for my credit card #. I searched why they needed it and the site says its for security reasons to link with my identity. 

I finally see my credit score, close out and find a receipt for XXXX in my email today, XX/XX/20. 

I absolutely never would have paid that knowing I am entitled to a free report. I even checked before entering my credit card information why they needed it. This is disgusting and predatory behavior from a company I have no choice but to deal with. These people have done this before and are up to their old tricks. Please, please, help bring some consequences to this type of theft to hopefully prevent them from stealing from more people.

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 2020-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance XX/XX/2016 Approximately XX/XX/2016 due to a job loss I contacted Capital One Auto finance in reference to an extension to make a payment on my account. a month later I check my credit report and it shows that I was over 30 days past due. I contacted Capital One auto finance and was advised there's nothing they can do to correct the mistake and there were no notes of the extension on their system. my vehicle loan is paid in full but the late payment is still showing. I've sent letters after letters to capital one auto finance and the credit bureaus with negative contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: FL

Complaint narrative:
I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.

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 2020-05-29 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 have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I need to submit a copy of my drivers license and social security card to verify identity. Equifax instructs to submit these documents to their website myequifax.com. I have created an account on myequifax.com but am blocked and referred to their XXXX call center. Also, they provide a phone number to call ( as late as XXXX, ) XXXX which doesnt work- rings once and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. 
This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 
According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. 

I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. 

Again, correct and remove this. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 4 times!!!!!

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information 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 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I contacted loan care on or about XX/XX/XXXX, inquiring as to why our property taxes had not been paid, as we received a final notice from the XXXX XXXX XXXX Department advising taxes had not been paid. Not only did I call, I also filed an online inquiry through our account portal. I was advised by XXXX XXXX that a ticket had been opened and they were working to resolve the issue. 

I had to contact XXXX XXXX again in XXXX as they did not apply our monthly payments correctly. While speaking with them, I advised them that I still did not receive a response advising that our property taxes had been paid from escrow. I was advised then they were in contact with XXXX XXXX XXXX Department and were set to be paid. 

On todays date, XX/XX/XXXX, I received notification that our property was sold on XX/XX/XXXX for {$140000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The notice advised that the buyer may institute an action to foreclose the property. 

We have never been late on a payment, short on the payment, etc. I filed a complaint on the same company back in XX/XX/XXXX for a separate issue and have had numerous issues with this company. 

After conducting extensive research, this company continues to do conduct business in such a manner.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries 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 2020-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have tried to dispute a charge from XXXX in the amount of {$220.00} on my Capital One Credit Card, due to XXXX refusing to release tickets to me that I paid for. I filed a complaint with Capital One in XX/XX/XXXX. I submitted documentation the first week of XX/XX/XXXX showing where XXXX decided to lock me out of an account due to a chargeback from a different account and credit card company, that had already been resolved. Months later Capital One still had not rectified the issue so I spoke to someone around XX/XX/XXXX who stated they would be mailing me a document that would explain the next steps I needed to take. I never received the document so I called Capital One again on XXXX XXXX and spoke with a Fraud & Dispute Account Manager named XXXX  ( XXXX ). According to him the only thing I could do was send in documentation showing that XXXX credited my account. If I had received a credit from them why would I be filing a dispute? XXXX stole money from me by not giving me a product I already paid for, and Capital One is acting in cohesion with them by refusing to dispute the charge. After months of dealing with the back and forth from Capital One, the account manager basically blew me off and told me to just go ahead and file a complaint since there was no one else there that I could speak with.

Company response to consumer: Closed with explanation