vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In a nutshell in XXXX of last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX realized someone had access to my information as I have been removed as the business owner from my small business phone plan with XXXX. After XXXX months of investigation they tried to charge me for the month 's prior, I left. 

The second flag is towards the end of the I decided to look into the possibility of opening a small business though to increase the size of my business. Even though my business had never had a loan of any kind it was old enough to the point where it had finally achieved having a XXXX XXXX XXXX number. I was not eligible for around however and it said that I currently have a loan out that I have never made a payment on I was able to view the credit report instantly for the first and only time a business gets a free credit report. I called and inquired however they did not know who the loan was through and they asked if I would like a copy of the report which of course said yes to, and I never received it. The loan amount was substantial. 
Another couple months later I suddenly receive a bank statement from a bank I have never had an account with. It was {$98.00} balance on the account but it was accruing penalties as the minimum amount to have on the account is {$100.00} without fees. I was able to call and make a little headway finding out that they were only XXXX transactions on the account, and I unfortunately was not in a place to write anything down but I recall it seemed like a similar amount for the missing amount from my unemployment and for the small business loan. 
TD Bank is the holder I guess primary checking account that is indeed with my name and social security number. However after it slips that I was not the person to open this account they immediately froze his account but also refused to give me any further information. 
The police report was filed, but the only statement I have is because the account went below their minimum, even though when I have audibly heard the transaction it was for significantly more. So unfortunately the police are not able to assign an investigator to the account because it has to be of at least {$1000.00} and the only thing that they have proof of is my {$88.00} that is remaining!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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: NY

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have several unauthorized charge to my savings account from XXXX XXXX of them is XX/XX/2021 for the amount of {$4200.00}. There are over {$12000.00} in charges. I have tried to dispute this charge with the Bank Manager at the XXXX XXXX XXXX Bank Of America I have proof that I did not make these charges and someone has been charging my account without my permission. The Bank has not refunded my money. The case got sent to the Bank Fraud department and they came back with no findings in my favor. Since I have reached out to XXXX and there are XXXX different names that have charged my account over {$12000.00}. My bank Bank Of America does not have my back on this and XXXX won't release the invoice to the bank because they are not in my name. The Bank Of America fraud department has taking this a sufficient answer to there fraud investigation and since has closed my account. I have proof I did not make these charges but neither XXXX XXXX team or Bank Or American Fraud team has help resolve this issue. They keep sending this case back and forth and has been going on for over a month with no change. Very frustrating. 
Both the policies at XXXX and Bank Of America are preventing me from gathering information on these charges to help my fraud case.

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 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: OK

Complaint narrative:
Amount : {$2200.00} Account : Elan Financial Services. i am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows. Date of birth XXXX SSN : XXXX. As proof of my identity, I have included copies of my identification social security number. If you are unable to verify the account with the original contract, the information should be removed from my credit report. Remove the fraudulent account Elan Financial Services.

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 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MS

Complaint narrative:
XXXXXXXX XXXX was notified of identity theft in XXXX and has sent this debt to a collection agency. I have responded to the collection agency before and told them this debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX I contacted Transunion by chat due to constant issues with logging in and also technical issues once logged in trying to access my report. Per Representative XXXX by chat at XXXX on XX/XX/XX/XX/XXXX the reason for my the isssues is due my account need maintenance and Per XXXX he will escalate this issue which will take 4 business days to fix. I asked if theres a phone # I can call just in case if its not handled. XXXX XXXX theres no # to provide. I took snapshot of the chat for my record. On today XX/XX/XXXX, I tried to access my credit report to see if the issue was fixed so I can check my report and dispute items since Ive paid off numerous accounts. Im trying to refinance my XXXXr for a better interest rate and lower payment but unable to update Transunion. I spoke to XXXX XXXX at XXXX which stated theres no record of any chat or any documentation by XXXX  XXXX XXXX XX/XX/21. I asked for XXXX XXXX. I spoke to XXXX XXXX and informed him that I have snapshot of the chat conversation with XXXX on XX/XX/XXXX. XXXX XXXX, the reason why Im unable to access my record is due to multiple profiles of an out of state area code that companies are reporting on me. This is the first that Ive heard of this! Im able to access my account sometimes and sometimes Im unable due to technical issues reporting but Im able to login theres no out of state phone number listed for me and Ive verified all merchants that I have an account with is correct. I had to file a complaint with XXXX XXXX XXXX XXXXu maybe month or two ago for another issue of incorrect information so they had the opportunity to fix any issues at that time or notify of any discrepancies but nothing was brought to my attention. XXXX XXXX XXXX I have to wait again 7-10 days to see if this issue can be fix. Ive been waiting for months for Transunion to correct & update information. It appears that this is a ongoing issue that no one is trying to resolve! I cant move forward with trying to get better rates or approval due to someone being incompetent and not resolving this issue.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-12-01 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: NY

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX  I fell into the hands of a scammer named XXXX XXXX ( the scammer ). It started out that I got an scam email about an order that was placed with XXXX. He told me he will will refund me the money by putting his server in my computer. I was told that first they will refund me {$150.00} if it goes through they will refund the rest. My mistake it was refunded {$15000.00}, but in realty it was transferred from my Savings Account to my Checking Account. He asked me to wire back {$1400.00}, the next day he claim they didn't get because their bank didn't allow such a large amount. So I should wire {$10000.00} and the {$4000.00} will be a payment to an XXXX world country. Then they claim that I signed in to my online banking so it transferred another {$150.00}, so a should pay it back by getting a gift card. By than I realized I got into scammers hands so I refused. In total I gave them {$28000.00} ( plus {$70.00} for the wire fees ) A week later they still claimed the I owe them {$150.00} then I disconnected with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Paypal Credit account deceptively changed my due date by 3 days in XXXX without any notification, resulting in a late payment and a charge of {$29.00}. I've been charged excessive interest for the last XXXX months on a balance of less than {$200.00}. This month alone I was charged {$17.00} in interest on a {$100.00} balance. What interest rate are these people charging? I've been on the phone with customer service 3 times now. They promise to correct the situation and reverse charges, but I haven't seen it yet. I want the money stolen from me returned with the same kind of interest this XXXX  company is charging. I paid the balance in full tonight. XXXX years of doing business with Paypal. I'm done, & will be closing all my accounts when this is resolved!

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I, XXXX XXXX XXXX, do not agree with the resolution of the claims that I submitted to Citibank for unauthorized transactions on my account on with my debit card that is in my possession locked in my room drawer. 

The reason for my appeal is that I am a XXXX senior citizen that has been in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX. Washington, XXXX XXXX facility did not allow food or drink to be delivered to the residents at any time. XXXX XXXX also did not allow the Seniors to leave the facility at any time, except to go to XXXX appointments in the XXXX XXXX. 

I filed the below fraud cases with Citibank. Please investigate ; CITIBANK Fraud case ref # XXXX for XXXX transaction equaling {$710.00} CITIBANK XXXX case ref # XXXX for XXXX transactions equaling {$1400.00} There is no way any XXXX XXXX or XXXXXXXX XXXX could be used during the periods in question. The Citibank representative informed me that Citibank put the funds back on my account and then took the funds back out of my account stating " Citibank did not have enough information to find out who defrauded me. '' If this is true, then why would my own banking institution allow me to be frauded by anyone and NOT support me after I have trusted Citibank with my retirement funds that I use to pay my monthly mortgage, utilities and living expenses now that I am back home from the facility. 

I have lost faith in Citibank as my Financial institution because of this. For these reasons I request this action be investigated and reversed because this is an unjust decision, and I should not be victimized twice by my own financial institution that is supposed to aid me and protect me and my retirement funds.

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 2021-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have been working to transfer my registration from XXXX XXXX to XXXX since XXXX of 2021. US Bank is my leasing company, they will not release the title to my insurance agency. My registration expires tomorrow leaving me without a car to get to work with. My insurance agency has made numerous requests for the title that have been disregarded, while US Bank only claims to have one request from XXXX, which they still have not acted on. I have called US Bank a total of 31 times, and have received misleading information about how to transfer my registration to Massachusetts. Spent 45 hours on the phone with them trying to work this out, and taken two days off from work to go to the RMV to try to get it resolved. I was told by an agent to send my updated name change documentation ( marriage license + social security card ) to XXXX, confirmed update 2x, and then was told by another agent that my name change did not go through and that no documents can be sent for name change via email, so my identity may have been compromised by an agent. Also being charged illegally for Mass tax on an exempt vehicle according to RMV ( open case with US Bank # XXXX ). US Bank will not share a timeline for the title to be released and continues to tell me that it is within my lease contract for them to refuse to release the title and force me to pay for a car I can not use. My case was " escalated '' last week and I was told someone would reach out to me about it but called yesterday and found out it was not escalated after 50 min of waiting, they then stated to call back today as it should be resolved. Today was told the company was 24 days behind, even though my request is significantly over 24 days old and told I would need to be " more patient '' while I potentially lose my job with no resolution in sight. Have requested multiple times to be followed up with and have never been. Formal complaint with US Bank ( # XXXX ) for overall experience.

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 2021-12-01 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I buy items from XXXX an online auction house. They have a variety of auctions. I sell sports trading cards online and have had luck bidding and winning cards at auction. I also found an auction house that had a 1 carat diamond up for auction. I decided to bid and won. - 1.00 ct Brilliant Cut D Color VS2 Diamond NGIC. 

After providing my Chase Credit Card they shipped the diamond to me. My family has been in the XXXX business for years, and I was looking forward to receiving the stone. I noticed the same exact diamond up for auction again and called XXXX XXXX to inquire about the stone. XXXX, from XXXX XXXX, told me they have a lot of stones for auction and assured me that my stone was on its way. I asked her if it was a real diamond, and she said YES. Once I received the package it contained a trifold brochure which was in a foreign language. I eventually found out it was in XXXX. After I translated the one page I saw the words- Laboratory cultivates. I had a local jeweler look at it and he confirmed it was a lab created stone. They were very busy and he said they would have to charge me {$150.00}, and it would take 2 weeks to do an appraisal. I didn't think I needed to confirm what the auction house was selling ; It stated it was a lab created diamond in the XXXX XXXX. Chase is using that against me because I did not get a second opinion. Why would I need to confirm? They admitted it, in XXXX. Chase told me to work with the merchant. I did and they eventually said they would refund my money. I sent the stone back in the original packet, but I did not have the trifold brochure. I misplaced it. They will not refund my money because I did not return the brochure. I said I would cover the cost to get a new copy. They said NO. I talked to Chase about it and they will not stand behind me as their customer and sided with the merchant. 
Chase ruled it was an appropriate charge and I was responsible. XXXX will not return my calls and did not refund my money {$1200.00}. XXXX XXXX does not say that the diamond is lab created in any of their advertising. And they still do not indicate that they are auctioning a manmade/lab created diamond. I read the horrible reviews after the fact. They have misrepresented a lot of items and say they have certificates of authenticity, but they are not worth the paper they are printed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Five Clans Lending LLC
State: MA

Complaint narrative:
I've called at all times of the day several days a week only to be left on hold for 20 plus minutes only to have my number and message taken and not be called back. When I opened the loan they took seconds to answer. Now that I want to pay it off early they refuse to answer the phone. They could make payments possible online but they don't. It's clear they want the loan to remain unpaid to collect as much interest as possible. It's infuriating when all I want to do is pay what I owe. It appears this is part of the Elk lending business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NC

Complaint narrative:
I have sent multiple letters to XXXX XXXX and Experian requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the XXXX and they stated that they do not validate anything. I wrote both Experian and XXXX XXXX to give them an opportunity to verify that data. Experian wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Experian allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.

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