vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: MD

Complaint narrative:
I was trying to do my homework and get help from XXXX. And the ad popped up and I clicked it to get an estimate and put my information in. That's when they charged me that first amount. Then they charged me again and when I called the website for a refund they said their account policy is that to get a refund it has to be a minimum of {$11000.00}. Then they took my XXXX and cashapp info and automatic transactions had been going on until there was no money left in my account. I thought this was all normal when I ran out of money I asked my family for money. That's when my family told me it was a scam. 

I have contacted my bank which is BB & T. They have denied all my dispute saying that the transactions were authorized. But I haven't authorized anything. I do not know how all that happened. When I asked if they can do a chargeback, they can't do that either. And I already did a police report. 

XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXXXXXX XXXX XXXX CA XXXX {$390.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$500.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$550.00} XX/XX/21 ZELLE PAYMENT TO XXXX PAYMENT ID XXXX {$520.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$470.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$520.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$530.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$270.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$250.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$1000.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$990.00} XX/XX/21 XXXX  XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$800.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} total amount = {$10000.00} Website which took my money : XXXX : XXXX their email : XXXX phone number : XXXX, XXXX, XXXX Name : 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 explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a new checking account with Bank of America about six months ago. I did not setup direct deposit with them at that time. I have few reoccurring monthly transactions that would be charged on my debit card. When I didn't have direct deposit, the charges would just decline no overdraft fee and then when I made a deposit and the merchant would run the charge again then it would process. Now that I have direct deposit setup and a merchant would request a reoccurring monthly charge, Bank of America pays it but charges me a fee. I did not opt-in to be charge for overdraft fees!!!! They charge me over {$140.00} overdraft fees for non- ACH transactions!!!! I have called and complaint to them on several occasions. Please help! I can't be alone.

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
2nd complaint. I did write feedback under the original so I hope the feedback is acceptable for this complaint. 

In summary, USBANK holds the transfer morgage ( and, according to one of their staff the fee is demanded by another investor ). Not that the original document does not identify this fee. This is not a servicing fee but rather the END of a service. I spoke with a loan originator at XXXX and they were not aware of this fee. According to several financial acts, the a transfer adheres to the original contract. 

I spoke with one of your employees : # XXXX  per the wording on the USBank response to CFBP. We discussed the letter. In particular, " your morgage ... allows lenders to charge fees for its services, including the waiver of escrow. While section 14 of your mortgage regarding loan charges does not list specifically the escrow waiver fee, it shall not be construed as prohibiting that fee. '' Perhaps someone can point out the law with respect to this?

Please see the additional bullet points on my feedback to complaint # 1.

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 2021-06-15 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 am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-06-15 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 am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account Number : XXXX This is not mine. 
BK OF XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine.

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 2021-06-15 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: DISCOVER BANK
State: NJ

Complaint narrative:
the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines

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 2021-06-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not open this account and disputed with credit bureau. The investigation determined that the account was verified. I took the steps to contact the company and could not speak with anyone who could explain why it was verified. They could not access my account, nor could they verify my account. I asked to speak with a supervisor, but without verifiable information ( which I could not provide, as it was not my account ), no one could assist me. I do not understand how no one could verify my account, yet they could return a result that verified a debt associated with my name/social security 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 non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I put a block on my credit card 3 times so no one besides me should use it. But each time my credit card was used. These 3 calls were made in the second half of 2017. All 3 calls were made from inside this Bank of America, the branch near me that I used. All calls are recorded. 

Bank of America 's Address : The Personal Banker directly calls the Credit Card Dept. for me. Faster and easier than calling the number on the back of the card.

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 2021-06-15 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 am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-06-15 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 am not the person to always check their credit but I just check my credit through XXXX XXXX website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: AR

Complaint narrative:
Back in XXXX my credit score with Experian was XXXX, in XXXX it increased by 5pts to XXXX, in XXXX it decreased by 15 pts to XXXX, in XXXX it decreased by another 15 pts to XXXX give or take. There is no reason for my XXXXredit score to decrease like this. According to a source that I use, it showed me that the reason for my Experian credit score decrease was because of my XXXX Account XXXX. 

I noticed that my XXXX Account was showing date of last activity back in XXXX was on XX/XX/XXXX and now in XXXX it is showing date of last activity was XX/XX/XXXX. This account was put in a bankruptcy back in XXXX alone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Experian are putting in them, I disputed this account, because it is not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Experian, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation can be provided upon request.

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
The company Caine & Weiner is attempting to collect a debt from me. In which case I do not know this company and I do not have a contract with this company. I am looking for immediate remove of the following account which is not mine nor is this account associated with me ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This was an attempt to collect a debt ( Creditor : XXXX XXXX XXXX XXXX ; Balance Due : {$51.00} ). 

Next, I sent a letter to Transworld Systems , Inc. dated XX/XX/2021 in request of additional information pertaining to this attempt to collect a debt. 

Next, a letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This provided additional information on the materials obtained from the creditor. This included a XXXX XXXX XXXX invoice with three charges totaling {$45.00}. I never received any information from XXXX about any part of this invoice prior to this point. 

The first charge is for a package supposedly sent by me with a charge of {$10.00}. Again, this is the first time I received any information regarding this order. 

The second charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$18.00} is an act of fraud. 

The third charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$16.00} is an act of fraud. 

On XX/XX/2021, a phone call was made to XXXX at XXXX at XXXX XXXX to inquire about the charges pertaining to this invoice. The first representative to answer the call filed a fraud report. Then, the call was forwarded to XXXX ( no last name provided ) in XXXX XXXX. XXXX stated that even though I was the shipper of the first charge, the invoice was an error and I was not responsible for any of the charges of the invoice. XXXX also said that Transworld Systems , Inc. would stop attempting to collect debt from me. 

It should be noted that I have always fully paid the cost and any associated fees of any shipment at the counter for any shipment by XXXX and any other shipping companies. This is fully consistent with what XXXX reported. 

XXXX also stated that this issue has occurred to other individuals. This suggests that it is possible that Transworld Systems , Inc. has collected money from other individuals that was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I saw that Experian and XXXX report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where Experian and XXXX get their data and how and why they report false information and ruin our financial standing. 

Kind regards, 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