vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: FISERV FINXACT CORE
State: GA

Complaint narrative:
Attached please find correspondence between XXXX XXXXXXXX XXXX  and Fiserv/FirstData and its representatives. 

In my initial call with with a FiServ rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store. There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. 

As you can see from the attached correspondence, one of the financial institutions company ( referenced as an aggregate entity of FirstData/XXXX  as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I received confirmation of cancellation on XX/XX/XXXX from FiServ Service Specialist Team from the Fiserv domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my business account. 

I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account who were emailed would reply in a timely manner. Review of their email messages will show you that they did not respond - EVER. Several attempts from my XXXX/XXXX  branch partners to FiServ via phone and email have also not garnered any response. 

I believe that FirstData is in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as well as XXXX/XXXX as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( FiServ ), particularly those that interface directly with customers.

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 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I transferred {$25.00} out of my checking account that had sufficient funds with Suntrust Bank, now ( Truist Bank ). The transfer was in the form of a check made payable to XXXX XXXX, with my name at the top of the check as XXXX XXXX. The problem is that I never received the check in the mail until XX/XX/XXXX. The check had my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX which is correct, however when I called Sun trust bank today XX/XX/XXXX in regards to the check being returned, I was given a false reason from a customer service representative who was unclear and not forthcoming in his explanations of why the check was returned. He also stated that I had insufficient funds on XX/XX/XXXX, which is clearly a lie because I made certain that account had funds to cover the transfer. I want Suntrust Bank to refund me my {$25.00}. Suntrust is not transparent in their business practices and is attempting to rob me of my monies including attaching excessive and illegal fees to my account. I need your help to obtain my money from this shady bank. I believe this bank intentionally waited four months to send me my money in attempts to cheat me.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: World Acceptance Corporation
State: MO

Complaint narrative:
World Finance refuses to discuss the debt being fraudulent. I have never heard of them or received a bill from them. I know this is fraud but they refuse to take this off my credit report and it is hindering my request for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I paid off Wells Fargo account by transferring account to different lender on XX/XX/2021. My Wells Fargo account ( XXXX ) is non existent when I try to reach Wells Fargo by email or on-line but remains open in credit inquiry by transunion and one other. I would like loan balance removed from my credit scores. I switched lenders due to Wells Fargo poor business practices.

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 2021-08-27 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: MS

Complaint narrative:
I WAS GOING OVER MY CREDIT REPORT THE OTHER DAY AND NOTICED THAT COMPANIES THAT I DIDN'T GIVE PERMISSION HAD PULLED MY CREDIT.

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 2021-08-27 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX 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 2021-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the list of the erroneous account reporting on my Credit Report : XXXX  - AUTO FINANCE-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Self Financial Inc.
State: CA

Complaint narrative:
I opened self.com/lender account aka an investment credit card in XX/XX/XXXX. Every XXXX and XXXX of every month self.com were paying themselves {$35.00} from my XXXX XXXX checking account XXXX by writing themselves a check for {$35.00}, payable to self.com. Those funds are for my personal needs in the near future incase of an emergency. Self.com back in XX/XX/XXXX closed my account ending in XXXX my investment of {$740.00} they kept, I never used those funds I invested in myself. They closed my account because I mailed them a letter informing them I was XXXX  with XXXX and that I would be mailing my monthly payment late, instead of cooperating with me, or at least showing some kind of sympathy they closed my account and kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: PA

Complaint narrative:
I've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.

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 2021-08-27 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: Lending Club Corp
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/LENDINGCLUB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase bank provides a service for me to see my credit score, but at the moment is showing no data. I recently failed a credit check to acquire a service ( internet ) and when I asked my bank what to do about it, they said they really didn't know what to do. I have had a credit card with them for over a year and I don't understand why is it that the website reports no available credit score, even people without a credit card have a credit score ( even if it's low ). Maybe this problem comes from Bureau sites not having updated information about me? Chase works with XXXX  to show me a credit score number, but I think is the banks responsibility to provide them updated information about my credit usage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 myself and son plus our dog were supposed to stay at the XXXX XXXX in XXXX XXXX CA. When we made the reservation via XXXX, we put that we needed a pet friendly hotel. When we seen that the hotel provided to us was NOT pet friendly. I reached back out to XXXX to get help resolving the issue. They called XXXX XXXX XXXX  to confirm they are not accommodating to pets. Which the hotel confirmed. XXXX was not helpful in trying to resolve the issue and unfortunately XXXX XXXX said because it was booked through a third party ( XXXX ) I needed to have them help. I contacted Chase Bank and explained the situation and that I wasnt getting help from XXXX in resolving the issue. We had to get another hotel the same night that was pet friendly. Fast forward to now XX/XX/2021 there was an over drawn amount on my account and my account was negative due to a claim reversal by chase for the the claim of {$330.00} from the XXXX XXXX claim. I submitted proof to Chase bank that we could NOT stay there and we did NOT stay there. I sent them receipts from the other hotel showing we had to purchase another hotel that would allow our dogs. Today on XX/XX/2021 I received my very much needed stimulus check. However because chase is taken a very long time to to fix my account and get the account back to good standing like it was I have now lost my entire stimulus check due to the negative balance from the claim reversal as well as an additional over draft charge. When I contacted chase today the only thing they could do is reverse the over draft charge but they told me I would have to wait to hear if my stimulus money would be reversed too. Which is completely unjust seeing as I provided proper documents showing we did NOT stay in the hotel that the claim reversal stated we stayed in. I truly feel as a consumer it not fair to us, our familys and money safety to have our funds taken while an on going investigation is happening. Nor is it fair to charge over draft fees when an account is overdrawn due to a reversal claim being investigated. We really depended on the little income we get and now {$500.00} is gone because chase  is taking its sweet time when every agent Ive spoken to has SEEN MY PROVIDED DOCUMENTS THAT SHOW WE DID NOT STAY AT THE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraud was committed on my account the beginning of XXXX for {$750.00} using XXXX. 
Chase Bank reimbursed me for the {$700.00} of that amount according to their fraud policy. 
Chase Bank then took the {$700.00} out of my account on XX/XX/2021, saying that it was a scam, and not fraud. 
This is a violation of 1 ) their policy, 2 ) business ethics, 3 ) my trust.

I would like my money back, and punitive damages for Chase so that this doesn't happen again to others like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filling a complaint against Wells Fargo because they are attempting a that is I do not owe them. Account Name : WELLS FARGO, Account Number : XXXX. 
I would like for WELLS FARGO to show proof of verification that I owe them {$140.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

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 2021-08-27 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: TX

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2021 I XXXX XXXX applied for a Chase credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by JP Morgan Chase explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX continues to report to Equifax that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. XXXX is reporting activity dates to Equifax but Equifax does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.

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 2021-08-27 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: PA

Complaint narrative:
I've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a mortgage with XXXX 

PERSONAL INFORMATION : Property is at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

They transferred my loan to Suntrust according to XXXX. 
Suntrust never contacted me except to send me an email saying payment is due. I tried to login to Suntrust but their system would not let me because I did not have a Suntrust account number. ( Suntrust never contacted me with an account number. ) I replied to the Suntrust email and asked for my account number yet the email to Suntrust bounced.

I called Suntrust and was on hold collectively for 1 hour and 20 minutes and no one there could tell me my account number.

I can not make payment on the mortgage to Suntrust or setup Suntrust autodebit if they will not tell me my account number.

Then Suntrust sent a form email saying they were sorry that prior email about mortgage being due was sent in error and they would soon mail us an intro letter from Suntrust. Yet 3 weeks has past and I still have not received any letter from Suntrust. I still do not know my account number so I can not make a payment on my mortgage. Thus my mortgage is likely late and Suntrust is ruining my credit score because I can not make a mortgage payment because Suntrust will not tell me my account 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