vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
This company clearly had a data breach as my account and on social media many many others have fraudulent charges on their cards. I can not get through to the company by phone or email. I want these charges removed from my account as I did not make them and am NOT paying for them. There is zero way of reaching anyone in this company! How can you run a credit card company this way? Alos, I recently moved yet there is no way on the website to update my mailing address. Again how do you run a business like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX 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 2022-07-08 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: FL

Complaint narrative:
I have three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX 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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am the XXXXXXXX XXXX XXXX for my son who is currently XXXX  and someone is continuously trying to open numerous accounts in his name. He is not capable of doing this since he is in a XXXX XXXX  for over a year now. I have contacted the individual companies as the notices come in, however this needs to stop before someone gets something opened in his name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: AZ

Complaint narrative:
Our complaint in summary : We have been approved for XXXX XXXX XXXX  XXXX ( XXXX ) Our Mortgage Provider has verbally said they are planning to participate Our Mortgage Provider has us in active forclosure with a sale date although we have assistance through XXXX XXXX to bring us current. 

Our desired outcome : Our mortgage provider stop all forclosure actions and accept the assistance we qualified for with the XXXX  XXXX program. 

Mortgage Provider is CITADEL SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX We filled out an Application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have weekly communication with Citadel informing them of our hardship and status of XXXX XXXXXXXX Application through out this whole time and still on going. 

In late XXXX we wanted to start making monthly payments so that we would only be a couple months behind. We tried to pay for XXXX and we were in XXXX. 

XXXX We made an online payment towards our delinquent amount. That was later returned. Citadel was at that point only willing to make the account current which meant we had to come up with the full amount past due and current due. 

XXXX XXXX XXXXXXXX sent us notification that they were awaiting response from our Mortgage Provider. It was the wrong provider listed and took about a month to correct. 

XXXX We heard from both XXXX XXXX and Citadel. XXXX XXXX formally requested participation in the XXXX program. Citadel acknowledged receiving the email and forwarded the information to management for review.

Citadel through out the process asked us to apply for a repayment plan but XXXX  XXXX informed us that a repayment plan would be viewed as us getting current and no longer needing assistance. We would no longer qualify for the assistance. We continued to communicate weekly with Citadel and XXXX XXXX checking on any movement. 

XXXX We received a notice of Trustee sale with a date set for XXXX XXXX We have been in contact with Citadel Sr. Loss Mitigation Specialist. 

XXXX We were informed that Citadel was planning to sign up but that its a long process. 

XXXX Citadel has no update regarding particapating in the XXXX program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
New checking and savings accounts were opened today under my name, SSN, and mailing address, with Huntingdon Bank. For some reason I received notification of the new accounts via a rarely used XXXX  account in my name. When I called the bank they confirmed the new accounts, that they were opened today, and they were associated with an email address and phone number that are not mine - XXXX, and XXXX. I confirmed my identity with the bank, indicated that I had not opened the accounts, and they initiated an internal fraud investigation. I have no prior or current accounts with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase Home Mortgage solicited me from within my log in for my mortgage account to " pay off my mortgage faster by making 2 payments a month '', rather than 1. I clicked on the button to explore this option and was shown figures indicating I would be saving thousands by making payments this way. I opted to go ahead and switch my payments to be twice a month rather than once a month. The Chase online system walked me through making the switch, and brought me to a page where I was told to " select the payment dates for my new payment plan '', which I did and I selected the XXXX and the XXXX of each month what I understood to be my new payment dates. ( I believed these would be my " new payment dates '' because Chase system indicated they would be and kept referring them to me that way, my " new payment days ''. The system then had me confirm my bank information for automatic withdrawals on my " new payment dates ''. 
The following month my payments started to draft as scheduled on the XXXX and XXXX, and all was good until I realized recently when I logged in to find tax info that I have been getting charged a late fee every single month. I called Chase and was told basically too bad. I am getting charged because I did not pay within the grace period. 
Again Chase solicited me to change up my mortgage payments to begin with. My mortgage was in good standing and I had no issues with late fees until all of this. 
Since Chase solicited me to make the change, and then THEY allowed me to choose " new payment dates '' without any disclosure that the selection of new dates would NOT excuse me from late fees if the new dates were past the grace period of my previous due date ; chase needs to delete all the late fees that were charged from this and recalculate my outstanding loan balance without the fees and resulting increased interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My checking account was fraudulently used XX/XX/XXXX and I immediately contacted Citibank, Citibank said they would investigate and lied about all the practices they used to conduct the investigation. Today, XX/XX/XXXX, They told me my account was fine after having it on block status for two weeks. I paid into an old savings account they told me needed to be paid for them to unblock the account, they lied again. They closed my account without giving me my funds that are currently in the account. I sat on the phone with the fraud department and spent 4 hours in the Citibank location for the personal banker to assistance me. 

They were unsuccessful, they took my money and will not return it. Nothing is old to this bank.

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 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I have an online friend whom Im close with. Someone made an online account pretending to be them and asked me for money. I sent {$75.00} Using Zelle. After I sent the money I double checked the accounts on XXXX and confirmed that I had been tricked. I called the bank right away to cancel the Zelle payment but the customer service rep said it was too late and I had to wait for the money to go through, and then I could dispute the payment. I disputed the payment the next morning, and today I get a letter in the mail from the bank saying that they do not think there was fraud and so they wont refund the money that I was tricked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: UPGRADE, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have contacted Upgrade since last year and they refuse to resolve anything. They can not provide validation of the debt and continue reporting a negative tradelineon my credit report. If they can not provide the following information, I want the negative tradeline to be removed from my credit report. 
Upgrade, I demand the following : It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

1. That Upgrade Inc is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement. 

2. Audited bookkeeping entries showing assets/liabilities for the account in question. 

3. Copy of form 1099 filed by Upgrade Inc regarding the account in question. 

4. Copy of insurance policies associated with this account. 

Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will verify nothing without the other requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Texas Guaranteed
State: TX

Complaint narrative:
TRELLIS COMPANY has been previously notified to verify my account to be accurate and complete. I have noticed that TRELLIS COMPANY has been violating my rights by reporting inaccurate and incomplete information on my credit report. TRELLIS COMPANY is reporting different information to two different credit agencies for the same account. TRELLIS COMPANY has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that TRELLIS COMPANY has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested a FREEZE and a credit report from TransUnion due to fraudulent activity. I was sent a PIN code that did NOT work in their system. They told me to keep trying. After 4 attempts I stopped. PIN never worked through their phone service. I spent over 3 hours on the phone trying to get them to allow me access over the phone. Additionally, they would NOT change, add notes or take any information regarding the fraudulent inquiry on my credit report. First, I spoke to an unknown agent who told me to call Consumer Relations. I asked for her to transfer me and she would NOT transfer me. When I called the number she gave me 4 times, the PIN TransUnion sent me in the letter did not give me access. I called again and when I asked agent for their name they hung up. I called again spoke to Agent XXXX XXXX who said " the PIN works, just tell it to the agent ''. I have always been told and reminded to NEVER give a PIN to someone. I had to tell him the PIN. He said, " it works '' I explained the PIN did NOT work when I punched it in phone system to have access to my account. He told me he could NOT help me with PIN that it worked when I would tell an agent. Regarding fraudulent activity he could not help me. He direct me to file a notice with FTC to remove fraud activity on my credit report. I called back again to address the PIN that TransUnion sent me that does NOT work in their system. I spoke to Agent XXXX XXXX told me to call the police and keep calling back to see if my PIN worked in the phone system.

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 2022-07-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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

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 2022-07-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-08 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: NV

Complaint narrative:
Experian refuse to delete the account XXXX  XXXX XXXX The last reporting date XX/XX/2019 is incorrect. Please remove the account.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had filed a police report as well to my local Bank of America about the funds that was stolen. The total amount was XXXX with the claim number being # XXXX. Also my local branch was found to of have had skimmers on all there ATMS outside the branch. Again our local authorities were notified right away. So upon all this Bank of America was fully aware about my card that was previously stolen from me was never even turned off or they never terminated it. I also filed a complaint as well about the card never being deactivated. Long story short I have refiled this claim several times and was denied all times. 
Thank you sincerely, 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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I deposited 2 checks just opened the account like 1 or 2 weeks prior so first I deposited XXXX form my personal bank account to unlock mobile deposit. As I unlock this i deposited 2 checks one for XXXX this check went though and another one for XXXX. The check for XXXX $ did not go though and this was I check I got mailed for form a wager I won form a guy online. After this check had not went though they frozen my account try and waited patiently for the security team to contact me its been 3 weeks no call back. I've tired reaching the company though other ways which no one could help my situation. I need the money in my account to pay rent and upcoming bills there currently XXXX $ in this frozen account that I have not been able to access for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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