vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2021. My XXXX account was hacked the person changed my password and email and I no longer had access to my account they were posing as me posting scams that they were giving money away for XXXX. I XXXX  the phone number for XXXX help I called the number and thought I was speaking with XXXX they had me install an app called XXXX on my phone and home computer they said they had to secure my account because I had purchased items on marketplace so they said I had to log in my bank account and they XXXX money out of my account. XXXX XXXX XXXX XXXX and took out a standby loan for XXXX. They said they would call the next day with my new password for XXXX when I realized what had happened I called the bank. I filed a police report. And these people sent text messages posing as they were XXXX saying kindly call them if I wanted my XXXX back I have the text messages. I dont know what more they would need. As these people clearly stated they took my money. I am a single mother and live by a budget that was all my money I dont have rent money now and I dont know what Im going to do. I have never XXXX any large amounts of money ever .I have been a Huntington customer for quite sometime they can see my account and transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30 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: TX

Complaint narrative:
I recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against Transunion and XXXX XXXX XXXX. On XXXX I received an alert that a hard inquire was made by XXXX  XXXX XXXX. I contacted Transunion because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with XXXX  XXXX XXXX. The following day I called XXXX XXXX XXXX fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted Transunion and let them know that XXXX XXXX XXXX could not see the inquire so they were unable to help me. Transunion started that they needed XXXX  XXXX XXXX to write a letter stating that the inquire was fraud. I investigated further on Transunion website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on Transunion website clearly shows the name and address which do not match my information. I was told by Transunion they could not help me without the letter from XXXX XXXX XXXX. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that Transunion has the information on their own website showing it was not me and they will not assist me at all.

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 2021-12-30 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: LEXISNEXIS
State: GA

Complaint narrative:
Dear CFPB, I did not consent, authorize, nor benefit from any of the following inquiries. Please direct LEXIS NEXIS to block and remove them from my consumer report : 1XXXX XXXX XXXX XXXX 2 . XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX I have already mailed a copy of my identity theft report and identification to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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 noticed a few accounts on my report I do not recognize

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 2021-12-30 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: TX

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against XXXX and Bank of America. On XXXX I received an alert that a hard inquire was made by Bank of America. I contacted XXXX because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with Bank of America. The following day I called Bank of America fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted XXXX and let them know that Bank of America could not see the inquire so they were unable to help me. XXXX started that they needed Bank of America to write a letter stating that the inquire was fraud. I investigated further on XXXX website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on XXXX website clearly shows the name and address which do not match my information. I was told by XXXX they could not help me without the letter from Bank of America. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that XXXX has the information on their own website showing it was not me and they will not assist me at all.

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 2021-12-30 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: IN

Complaint narrative:
There were a fraudulent transaction of {$4200.00} on my Chase account, I called the bank as soon as it happened in XXXX. I asked them to close my account and send me a card where I was located.They said they could not send me a new card at my new location thus unable to close the account. I only bank with Chase. My mother passed away so I have to leave as soon as possible.While I traveled another fraud occurred of {$2100.00} occurred. I immediately called them and told them to close my account. This time they did and sent me a new card. Ive been disputing with Chase for the past 5 months and my claims were denied every time. They cited that I passed the 60 days claim period, while each time I immediately called them. My last attempt to called Chase bank after submitting all the paperwork they have requested was today XX/XX/2021. They stated that my claim was denied because it now more than 60 days, and the second claim couldnt be validated as well, because the first card should have been closed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received an offer from Chase which I enrolled in on XX/XX/21 with tracking number - XXXX. Please see the uploaded attachment - XXXX XXXX XXXX. As per the offer, I can receive {$150.00} bonus for - 1 ) Settling {$1500.00} through XXXX XXXX within 90days of enrollment. 
2 ) Completing 5 Qualifying transactions within 90 days. 

I have fulfilled both the requirements - 1 ) Within 90days, I have made XXXX XXXX  transactions on XX/XX/21 for {$250.00}, XX/XX/21 for {$5.00}, and XX/XX/21 for {$1200.00} for a total of {$1500.00}. See highlighted lines on the uploaded file - XXXX XXXXXXXX XXXX 2 ) I have completed 6 Qualifying transactions within 90 days. See highlighted lines on the uploaded file - transactions.pdf So I have fulfilled all the conditions of this offer but the bank is still denying me the {$150.00} bonus. This is in spite of paying the bank {$52.00} in fees in relation to fulfilling the offer conditions ( See highlighted lines on the uploaded file XXXX XXXX XXXX XXXX  ). 

The response from the bank so far has been that - I had three qualifying transactions but they do not total the {$1500.00} to qualify. This I disagree with because as per the documentation provided by me, my transactions totaled {$1500.00}. The bank didn't tell me what is the total amount as per their calculation and how they arrived at that total. I am guessing they arrived at the total after excluding the {$52.00} transaction fees they charged me. My response to that is- the offer does not clarify whether the {$1500.00} total will exclude the transaction fees. The offer just says ''Settle {$1500.00} '' without clarifying what it means exactly ( uploaded attachment - XXXX XXXX XXXX ). To me, it looks like one must just accept {$1500.00} through XXXX XXXX ( irrespective of the fees charged ). If the bank is indeed excluding the fees for the {$1500.00} calculation, they should have clearly stated that in the offer which they haven't. By the way, these fees were retained by the bank itself. 

Ultimately, I paid the bank {$52.00} in transaction fees and got nothing in return. The bank did that by dangling a misleading promotional offer with clever words such as " Settle '' which they interpreted in a way that suited the bank best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Need proof of debt validation such as proof of signature, dates of service, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not been able to view my EQUIFAX credit report since XX/XX/2021. Also, when I have applied for credit or responded to pre-approved offers, my EQUIFAX credit file is completely blank with a ZERO 0 in each field as if my own data doesnt exist. 

To mortgage companies, banks, credit card companies, and insurance agents, this show up as No File Found, and so Im denied credit and insurance products. 

I had trouble getting through to speak with an agent at EQUIFAX, because the system asks for your personal information. My personal identifying information like social security number and date of birth is attached to no credit file. The agent was able to see the file after an hour of pleading that I have a 28 year active credit history. He explained the report is in fact no longer available digitally and that I have to write a letter via USPS, wait for a technical team to get approval to print a copy, the send the paper report out in 10 business days. 

All US banking institutions require instant in immediate digital access to credit files in order to make credit decisions. 

Because EQUIFAX has removed my file, I am not able to refinance my mortgage now for 5 months and am losing out on low interest rates, which of steadily increased each month with my inability to see my FICO scores or file. I also can not receive credit line increases or open any new loan with companies that rely on EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with FLAGSHIP CREDIT ACCEPTANCE sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies being in XXXX of 2020 til present and yet they refused to remove this fraudulent 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 2021-12-30 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: U.S. BANCORP
State: NJ

Complaint narrative:
Elan Financial ( US Bank ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in 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 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received notification that money was sent via XXXX. The sending bank has tried over and over to help. The sent the money again. I called my bank chase over and over and over. They are arguing and yelling at me because they do not understand and keep telling me why I called. I asked for someone to help me because this continues to happen. The supervisors start yelling as well. They disconnect the line so they won't help me. I have not been able to access what was sent. No one at chase nor XXXX helped me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a charge for a {$130.00} overdraft fees which after speaking with 4 customer service reps, spending approximately 2 hours? and received an email each providing different versions of versions of why it was charged. Their first claim my account went negative due to 4 charges on the XXXX, however posted balances are positive after each transaction. Another agent said it was due to charges on the XXXX, XXXX, and XXXX however my posted transactions and ending balance from all of the records I can see do not show a negative amount. There were 2 charges ( {$17.00} & {$11.00} ) that occurred on the XXXX that did result in a total of - {$29.00} at the end of the day. While I am not excited about a {$34.00} transaction, I might have conceded to a total of {$68.00} in fees, except their email shows thar no fees were charged for these transactions. I shouldn't have a single charge for fees of {$130.00}. There is nothing available to me to verify any information for any dates other than the email that they sent which only referred to the transactions taking place on the XXXX with no fees assessed. Two supervisors refused to reverse any charges and I will not agree to pay fees for transactions that ( according to all of the records in their system ) did not happen. By that I mean other than the XXXX, there was sufficient funds for all transactions. Having one charge for a {$130.00} with absolutely no explanation is poor business at the very least. In my last conversation I informed the agent I would repay the negative total of {$29.00} but I am not paying a {$130.00} in fees that I can not verify and have gotten nothing but inconsistent information on.

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 2021-12-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in 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 2021-12-30 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX  XXXX XX/XX/XXXX {$270.00}. Inquiry : US SM BUS ADMIN XXXX XX/XX/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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had purchased an airplane ticket with XXXX XXXX using my Discover Credit Card to fly from XXXX XXXX, XXXX XXXX to XXXX XXXX, FL on XX/XX/2021. 
On the morning of XX/XX/2021 as I was preparing to go to the airport I received an email from XXXX XXXX telling me that the flight was cancelled. I had to buy another ticket at the last minute from XXXX XXXX and I was delayed a whole day before being able to depart. 
I contacted Discover Card and informed them that XXXX XXXX cancelled the flight and that I needed a refund. The Discover representative said it would be no problem to get the refund since XXXX is the one who initiated the cancellation. I uploaded screenshots of the email from XXXX XXXX showing that they had cancelled. 
Discover Card removed the charge of {$170.00} but yesterday they put it back on and when I call they keep me on hold without coming to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Penn Credit Corporation
State: OH

Complaint narrative:
I sent a letter to Penn Credit Corporation on XX/XX/2021 and as of XX/XX/2021 I have not received a response. The company had 30 days to respond but failed to and are now required by law to remove this account from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I tried to make an international transfer ( MTCN : XXXX and XXXX ). The recipient was unable to retrieve the money due to an issue with Western Union. Western Union returned the money, but kept the service fees, which are very high. 
Since the transfer was unable to be completed and it is not my fault or the recipients fault, they should return the fees. 
Below is the response from western union. 



On Wed, XX/XX/2021 at XXXXXXXX XXXX XXXX XXXX wrote : Dear XXXX, Thank you for contacting Western Union . 

Please accept our sincere apologies for the inconvenience you may have experienced in respect to the error which you have received in your money transfer. 

We carefully checked your transaction under MTCN : XXXX and XXXX and found out that the refund has been initiated on XXXX. We are sorry to inform you that we are unable to refund full amount as you need to cancel transaction within 30 minutes of initiating for full amount refund, Please be advised that your refund may take within 5-7 business days ( excluding Saturday and Sunday ) or depending on your bank 's processing time to deposit the funds into your account. 

Should you have inquiries, do not hesitate to contact us back. 

Finally, please remember to bookmark our Help Center page where you can always find the most current information on Western Union products and services. 

Sincerely, Western Union Customer Care ref : XXXX : ref

Company response to consumer: Closed with explanation