vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On date XX/XX/31 my credentials were lost on a night out and I was unaware. Per 15 USC 1693f ( a ) ( 2 ) I notified the financial institution ( Chase Bank ) regarding an error on my account from an unauthorized transaction. Under 15 USC 1693f ( e ) ( 1 ) ( a ) the financial institution did not make a good faith investigation of the alleged error, due to the fact of me having this same issue prior with my debit PIN number being written on the card for health reasons, Ive informed Chase Bank numerous times of this in which it should be notated. As well as the Digital Wallet feature not connecting my debit card to my apple wallet which would prevented this entire situation, I conveyed this information to the CSRs & the local branches, to no avail. My prior dispute/claim had the same incident and it was granted in my favor which Im also seeking an answer for as to why they encountered a problem this time. Ive been violated of my rights and would like a fair and proper investigation into my claim as I did not complete nor authorize it and Im seeking the funds and damages Ive lost within this claim per 15 USC 1693m

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MI

Complaint narrative:
I sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in 5 business days. I sent everything via certified mail on XX/XX/XXXX. The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned to 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 2022-04-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.

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 2022-04-04 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: CA

Complaint narrative:
I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NM

Complaint narrative:
I received a collection account I believe was paid. In order for them to remove I just paid reduced balance but they still will not remove XXXX  or update my payment.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC is charging late fees that are not applicable. They are charging these late fees almost weeks later than they should be. They are posting atm deposits days after they are deposited and are posting it so they are charging multiple late fees. PNC has admitted they have done this and are doing nothing to fix their errors. This is very dangerous territory for a bank to asses late fees due to their ineptness. I have had many issues with PNC and their errors causing late fees assessed to My acccount. Many time their atms do not work, they do not allow customers to access or deposit money. But they will gladly charge them fees. Not only is this harassment, PNC should be throughly audited for their actions.

Pnc is trying to charge me fees because I want to close me account. This is retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX, I filed bankruptcy Bank of America ( they held my mortgage ) told me my home was included in the bankruptcy. I continued to stay in my hose paying property taxes and insurance. XX/XX/XXXX, I found out that my house was up for auction at a Sherif 's Sale. I immediately contacted a lawyer and was not able to get help and feeling desperate, I contacted XXXX XXXX for additional help. To no avail, my home was sold and I have until XX/XX/XXXX before I am evicted.

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 2022-04-05 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: PA

Complaint narrative:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.

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 2022-04-05 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: PA

Complaint narrative:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX  I submitted an application with Carrington Mortgage Services . Throughout the process I have been totally transparent. All income information was submitted and verified by 1099 's, W-2 's and pension statements. I meet all requirements of credit worthiness. I have been in my home since XX/XX/2003 and not delinquent on my payments. I have more than {$220000.00} equity in my home. The home is valued at XXXX the existing mortgage is {$100000.00}, I requested a refinance for XXXX. I have been undergoing the loan process for approximately 90days and no closing has occurred. There were some hiccups along the way, but all have been rectified by being fully cooperative. Today ( XXXX ) I received a letter from Carrington Mortgage stating that my application has been withdrawn citing no reason for their actions. I called the company to speak with the loan officer and underwriter, the results were negative. I am angered because I began this process when the rates were low ( 3.625 % ), now they have reached almost 4.75 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.

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 2022-04-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX or XXXX I noticed 3 fraudulent un-authorized XXXX charges on my credit card. I promptly notified Chase of these charges ( same day as when I noticed them ) and was issued a new card and provisional credit. 

I explained to Chase that I don't ever use that specific card for XXXX purchases ( use a different Chase card for that ) that I didn't recognized the merchant were the purchases were made and did not make any XXXX purchases during that time period. I was assured that the charges would be properly investigated and I would not be responsible for any fraudulent charges ( Chase 's Zero Liability Guarantee ). I have not heard back from Chase since then until I noticed that the original charges were reversed and posted back to my account on XX/XX/25. 

As per Fair Credit Billing Act and FTC I was never provided with a written notice of reversal or an explanation of why/how it was determined that I was responsible. 

" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money '' After contacting Chase to get a further explanation ( 3 different times. 1st agent hung up on me ) I was told that a determination was made based on the fact that in the past I've used XXXX on my other credit card account. After requesting a copy of the report and proof of evidence use to make that determination I was told there wasn't any share. The second agent told me that they contacted XXXX and were still waiting to hear back, yet, somehow still determined that I was responsible for the charges without ever receiving anything from the merchant. 

As per Fair Credit Billing Act Chase failed to conduct a proper and fair investigation. Failed/refused to gather any evidence and decided to close the case based on a hunch ( a probably a desire not to spend any time and money to properly investigate it ). Chase failed to note that the restaurants where the transactions were incurred were thousands of miles away from me, did not request any info from XXXX, failed to note that I have never used that card in the past to make XXXX purchases and refused to share the document proving the charges were authorized. 

It is pretty evident that this was done for the sole purposes of cutting cost. No proper investigation was ever conducted ( if any ). The merchant was never contacted. They failed to prove that those transactions were legitimate or authorized and yet as a consumer they made me responsible for those fraudulent charges. This a clear violation of consumer rights as well as company 's claim of Zero Liability Protection. I have a feeling I am not the first person this was done to and won't be the last.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 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: CA

Complaint narrative:
I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

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 2022-04-04 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: Independent Dealers' Advantage, LLC
State: DE

Complaint narrative:
I lost my wallet in 2020, Im not assure of when I lost it, The following year until now, I've seen a unauthorized car loan and multiple inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
I have disputed this debt multiple times asking for it to be verified with original creditor they have continued to ignore my request this is not my debt it is a account not opened by me it was removed and readied to my credit report the credit bureau keeps allowing it please look into this matter it is unfair & unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I previously submitted a complaint with you against " XXXX ''. They run a money laundering bait and switch and multi fake name company scam. They put charges against your account just to see if your bank will pay it and defraud you. I dont allow any non PIN purchases and didn't knowingly authorize multiple identities and duplicate charges. My bank is a scam. They still avoid paying for stealing money from my account at XXXX and internally. Stalking me. 

" XXXX XXXX '' a different company again already refunded it when questioned. My bank needs to be closed for criminally insane XXXX XXXXXXXX carriers in their operations. XXXX XXXX XXXX XXXX XXXX is a habitual criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Overcharged for something you did purchase with the card
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
Ive been calling Avant about an account that is showing up on my credit report as a charge off. Avant has refused to send me copies of the statements to proof how I got those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
A New American Funding loan officer ran my credit without my permission. According to their customer support, XXXX XXXX ran my credit with my consent at XXXXXXXX XXXX but, that is not possible as I was in a meeting at XXXX XXXX I did e-consent for their soft inquiry pull which wouldnt affect my credit but, to my surprise a hard inquiry was pulled. Talk about shady business tactics and no help from support either. Told me to just dispute the inquiry.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent documents to Experian, XXXX, XXXX via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should XXXX XXXX XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that 3 accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them

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