vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GEORGIA XXXX NOTICE OF VIOLATIONS AND LETTER OF DEMAND NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EQUIFAX regarding my attempts to have my consumer report and file corrected. 

Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: FL

Complaint narrative:
I have had a checking and savings accounts for years with chase. I went to a drive through ATM Chase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch. I tried to withdraw {$700.00} dollars. Everything went well until point where machine sound of counting money appeared a message on screen stating unable to give you cash at this moment. I stayed there a few minutes, logged in into my phone Chase mobile app and saw that - {$700.00} transaction followed immediately by {$700.00} credit which I thought had fixed the issue. Went around and used the ATM next to it and was abled to withdraw {$500.00} with no problem. Days later I saw - {$700.00} and called them. They opened an investigation and gave me {$700.00} credit back. Then today I checked again and saw a - {$700.00}. They took away the credit and so I called them again. They hung up after 25 mins and I called again then they stated the investigation was not on my favor and it was closed and if I didn't have probe don't even bother and investigation could not be reopened. I asked them they have access to my accounts, they have access to the ATM cameras and the rudely stated it was closed and money was missing so I was responsible for that. I am extremely shocked, I feel robbed and me being a loyal customer for so many years and they are okay with taking my money when obviously there are ways to probe money was never given to me by the ATM. Each ATM has cameras and they are refusing to help me. 
Please I need help and guidance, I don't know what else to do. I am a mother of XXXX and every penny counts for me and mi little ones.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
After opening up my account and getting approval NFCU closed my account with no explanation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is direct response to complaint XXXX. It was confirmed that incorrect information is being reported for account type XXXX and only XXXX continue to report this information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
My information was exposed in several data breaches and I need help removing a lot of fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I found out somebody used my name and Social Security number to open a checking and saving account with PNC Bank. I contacted the bank and let them know this was fraud and had the account closed however they refused to give me any information about the person who open the account. They have a photo ID of this person on file and they said it is definitely not me but it has my maiden name on the ID but the rest of the information on the does not match my real information and because of that they could not give me any information from the account even though I brought my drivers license, my Social Security card, my birth certificate, and my marriage license. I even reached out to corporate and was told they cant do anything. That is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Again, I applied for loan modification. I had to do an appraisal but the appraiser didnt want to because my grandchild was positive for Covid. I received another loan modification packet, I asked XXXX XXXX did I need to fill it out and she said no! They received the appraisal on XX/XX/2022. XXXX XXXX wrote on XX/XX/2022 and said things were a go. I might need to update income documentation. XXXX XXXX I asked if she needed anything else. No response. So I thought they were working on it. On XX/XX/2022 I asked what was going on? I get an email today XX/XX/XXXX that XXXX XXXX was on a leave of absence and I have another contact person. But today, I got foreclosure papers! 
I called in and they said the new person tried calling on XX/XX/XXXX, however no one left a message. I mean not everyone has their phone to their hip! Why not leave a message? 

I have been trying to get modification before Shellpoint bought it from XXXX XXXX! The paperwork was suppose to transfer but I had to submit new paperwork in XXXX. Then XXXX XXXX was out and had to wait. Sent paperwork by email and snail mail plus uploaded through portal. So now its my fault! Yes Im behind but Ive been trying to get this resolved. 
I feel Shellpoint and other loan companies do this to get more fees! 

I even got approved by XXXXXXXX XXXX  XXXX Ohio on XX/XX/2022 but its still pending with my servicer. 

Please see emails!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2022, re : Equifax unverifiable Bankruptcy reported on my credit report. Bankruptcy Court Case No. XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022, I sent a letter to Equifax Credit Bureau, XXXX XXXX XXXX XXXX, XXXX XXXX. In the above referenced bankruptcy. As of today XX/XX/2022, no one has responded to me yet. Equifax never removed the bankruptcy nor has my score changed according to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Equifax credit report they have no intention of correcting my report or my credit score. The FCRA mandates that Equifax correct this unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change to my credit report or my score. I am attaching a copy of the letter that I sent to Equifax on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022, signed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2022 I received a notice on my XXXX XXXX that Discover had made an inquiry into my credit history. On XX/XX/2022 I received a Discover credit card in the mail. I did NOT apply for this card. 

I contacted Discover on XX/XX/2022. They canceled the account and informed me they would begin an investigation. 

They asked me if I recognized an address in Ohio, which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My payment wasnt going through there system and so they canceled my account. Due to COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 




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 2022-06-07 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: IL

Complaint narrative:
My information was exposed in several data breaches and I need help removing a lot of fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: IL

Complaint narrative:
My information was exposed in several data breaches and I need help removing a lot of fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 I was checking my bank ( USAA ) account and saw that my savings account showed {$32000.00} was transferred out of my account without my knowledge. I immediately contacted a USAA rep by the name of XXXX and asked my questions about my complaints and he would forward to the Fraud Dept. of USAA. He said check back in 5 days. While I waited I looked closer into my saving account and saw that there were XXXX transfers from my account, in the amount of {$5100.00}, {$10000.00} and {$15000.00}. They were transferred into two other USAA Savings accounts. All these transfers were on XX/XX/2022. I was never notified by USAA that these transactions were happening. A Red Flag should have went up when they all happened in one day. To this day no notification from USAA. On XXXX XX/XX/2022, I called USAA and was forwarded to a Rep name XXXX, Security Specialist ( XXXX Ext XXXX. Again, she asked many questions about my account and I changed my user name, password and pin. She asked my to verify names of my account. My wife, XXXX XXXX and my daughter XXXX XXXX. She had two additional name as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX and XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. I replied I have no idea who these ladies are. These two names were added to my account with new Savings Accounts and this is where the funds were transfered and later withdrawn from these accounts, apparently the funds could not be tracked. I told XXXX ( USAA rep ) I never authorized the name or the transfers. She told me to check back on XX/XX/2022 and I did. She pulled my file and it stated this was not identify theft and I was liable. I said I don't what the correct wording is, but my account was hacked or compromised and that the bank did not protect or secure my funds and trying to put this as my fault. She resubmitted the claim to Fraud Dept. and check again in three days. I asked her if I could speak to someone in Fraud Dept. she said no and I would to get back with her. I think the bank ( USAA ) is blowing me off and not accepting their failure and responsibility of safe guarding my saving account. Why do I use a bank, to protect my assets. I need your help!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 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: TX

Complaint narrative:
On XX/XX/XXXX I made a call to Equifax in regards to my credit report being locked due to suspected fraudulent requests. After speaking with an agent, we were able to resolve the issue over the phone, or so I thought. Today, XX/XX/XXXX, I attempted to run my credit for an auto loan, and my report was locked again as a suspected fraudulent request. After speaking with an agent today, it appears that Equifax failed to follow up on my last dispute or correct the wrong information. In fact, their agent changed my name to something completely incorrect on XX/XX/XXXX. 

My legal first name is XXXX, XXXX XXXX and last XXXX. Equifax 's agent appears to have changed this to ; first " XXXX XXXX, middle " XXXX '', and last " XXXX '' When requesting that this issue be resolved, Equifax simply stated that this change was requested by me on the XX/XX/XXXX. They refused to follow up on my dispute and refused to provide me with additional information, that would support I requested this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi, I reported fraudulent activity on my account on XXXX XXXX. I realized that money was missing when I paid my car payment on XXXX XXXX and they were saying they didnt receive the money. I also received a notification from my bank ( Wells Fargo ) that my bank account was XXXX and something dollars. Im someone who uses my XXXX wallet and rarely my physical cards. I realized my cards from both of my banks were missing on the XXXX but I didnt think they were stolen until I seen fraudulent checks being imputed in the account and money being moved out of the account and even somebody using a fake check from somewhere no where near where I was because XXXX sent me a bank statement. After getting These weird notifications I contacted wells and let them know my situation where I closed my account and opened a new one and also ordered new card and went through each charge saying what I authorized and didnt authorize. Theres even a withdrawal from an atm that I never made. They say they were investigating but if they truly were investigating, then i wouldnt have been denied. Where are the cameras from people using the atm? Where are all the devices used to get into my account which yes someone was in my account XXXX  money around to unknown contacts. If They really researched They Would Know that I am a victim of fraud. I am a XXXX XXXX XXXX and full time worker who works hard for her money. I feel like because Im not a store getting robbed, my money doesnt matter, its not insured, whereas I am a person who lost a great deal of money and almost lost my car because it couldve got towed. If I am a loyal customer, banking with you, why would you guys deny me without thoroughly researching. I filed a police report. This whole thing is unprofessional. I ordered my card two weeks ago and the banker I was on the phone with never sent it out so now Im waiting another 7 days. This is such an inconvenience. The police officers who were working my case even said you can see clear as day that the fees Im disputing are fraudulent. They attach the pictures of the checks that are being cashed and everything! I get nothing and some random person is walking around with my hard worked hard earned money? No! I need them to do their job! Please! I followed Your steps, did everything I was told, issued a fraud alert, opened a bank, changed usernames and passwords, its your turn

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