vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX I received notification from Chase that I exceeded my allowance for withdrawals from my saving account. Three are allowed, 9 were conducted and I was charged {$15.00} for such actions. I then checked my account and saw that 9 unauthorized electronic withdrawals were made and I called Chase to file a fraud claim. The withdrawals were in the amounts of {$270.00}, {$260.00}, {$250.00}, {$240.00}, {$230.00}, {$210.00}, {$200.00}, {$100.00}, and then a {$200.00} but there were not sufficient funds. Clearly they were fishing to see how much was in the account. 

I then realized on Monday, XX/XX/XXXX I received a notice from Chase that I had insufficient funds for 2 checks for my checking account and was charged for that. Since I did not write any recent or large checks I reviewed my checking and saw 2 checks for the amount of {$4800.00} written to a XXXX XXXX, which I did not write. The first check was a duplicate check number XXXX - My signature and memo were correct for the original XXXX check, which was a {$30.00} check for my XXXX XXXXXXXX XXXX  dues. The signature was correct also, but the pay to the order of and amounts were changed. I called Chase again and filed a fraud account and they said there was no fraud as no money was taken. I then went to my local branch in XXXX and tried to resolve this with XXXX XXXX who works there. 

I kept calling to check the status of the Chase claim and was told on XX/XX/XXXX that the claim was denied. I asked to speak to a supervisor and went over the facts again, they were going to do a second investigation because she noted some additional information that was not reviewed. This was after 2 other calls where a Chase representative told me it was a XXXX withdrawal, which was incorrect. The other Chase representative told me he could not reveal any details of the investigation, it would compromise how they do the investigations. This was after XXXX hours on hold and talking to other people. 

I closed all my accounts but the disputed savings account on Saturday, XX/XX/XXXX. I will never bank with Chase, after being there for XXXX years. 

Today I called Chase and they said the second investigation found no fraud. That the log in was from the devise used before, which clearly is incorrect as I did not authorize this. I am waiting for a letter explaining the details of their investigation because I do not see how this is possible that these funds, coinciding with the false checks, are not clearly fraud. Chase has not been helpful at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way this CRA is furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: IN

Complaint narrative:
To Whom It May Concern, My student loans were transferred to the Dept. of Education, but Equifax is still reporting the accounts in Chargeoff with the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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 received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TX

Complaint narrative:
I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2022-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, my Bank of America ( BOA ) credit card information was used to make 5 purchases on the internet. I was not notified of this until XX/XX/XXXX and was only notified of 3 charges. I said I didnt make the charges and they were immediately taken off and a new card was issued. I was not notified of the other 2 charges until I received a letter dated XX/XX/XXXX. 
I spoke with BOA Fraud Department several times and received conflicting information each time. I was told to file a police report which I did and faxed to BOA on XX/XX/XXXX. A police XXXX called me and told me I have to have the location of the incident and it has to be in XXXX before they will investigate. I have been unable to obtain this information from BOA despite calls and a personal visit. I was told that all they could tell me was that the merchants billing address was in California. 
On a personal visit to the XXXX XXXX, Florida BOA branch, the manager looked up the company on the internet, called them, and told us that we had purchased a septic tank pump. Later, I looked up the company myself and discovered that when I entered XXXX, it redirects you to XXXX XXXX XXXX XXXX which is a legitimate company that sells septic tank pumps through XXXX. 
When I first tried the phone numbers provided by BOA for the merchants, they were both not working numbers. Later, I tried again and the XXXX number worked. I asked the person who answered for her name and the name of the company, which she refused to provide. She said they answer phones for many companies. She asked my name and when I told her she immediately knew what I was calling about. She informed me that I had purchased a raffle ticket from one of the merchants and entered a sweepstake with the other one. Then she stated that I would not be receiving one penny of my money back. 
Of course, I didnt make these purchases but BOA insists I did. BOA Fraud Department says they have investigated but yet they havent provided any information about the merchant or proof that I made the purchases. BOA is continuing to charge me fees and interest on the disputed amount but I will not pay it because I didnt make the charges. I havent used my BOA card in over 2 years because I use it mainly for travel expenses so I dont know how someone got my bank information. I havent experienced any problems with any of my other accounts being used.

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 2022-05-06 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: VA

Complaint narrative:
I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX  XXXX Bal. {$0.00} Acct # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My husband and I purchased my family home where I was born and raised in XXXX. In XXXX I was divorced and the home was solely mine through the divorce as a single mother. My mortgage was with XXXX XXXX. I filed a quit claim deed removing my ex husband and attempted to refinance to remove him from the mortgage. While refinancing Select Portfolio Servicing ( SPS XXXX ) bought my mortgage. They advised me they were not a bank but only a servicing company and I could not refinance through them. In the meantime I lost my job and they offered me a mortgage forbearance during XXXX. Not only did I lose my job but my daughter was schooled from home like most kids during that time and all my bills went up including electric, internet, food, etc. I was then advised after several months of missing payments that they forbearance was not possible because at one point in time we completed a modification through XXXX XXXX and there is now a balloon payment on the back of my mortgage. Because of that they could not put my missed payments on the back of my mortgage which meant I was misinformed by SPS in the beginning. They are now attempting to foreclose on my property because I am in default of my mortgage. I have contacted them several times for a resolution to this matter only to be told the only resolution was to pay more than double mortgage payments from {$1100.00} a month to {$2300.00} per month for one year. That is not possible. I resumed my mortgage payment in XXXX of XXXX and have been paying on time ever since. Upon googling SPS XXXX there are sooo many complaints out there from people with the same situation. Meanwhile in XXXX I applied to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for help with what I owe my mortgage company. On XX/XX/XXXX PHAF contacted SPS Servicing to get documentation on what was owed as I was approved for the process and SPS has failed to get back to XXXX to verify what is owed. They have contacted them several more times only for no one to once again get back to them. I have contacted my state representative for help with this matter ; XXXX XXXX and they advised me to file a complaint which is what I am doing now. They think it is very concerning. Last week I received an intent to foreclose letter as well as a copy of a letter that was sent to my homeowners insurance company with the intent to foreclose letter as well. XXXX has advised me once again they sent letter and made calls with no response. I now owe attorney 's fees on top of what is owed because they are not cooperating. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed two online disputes with Equifax, as they are reporting a mortgage account with XXXX - XXXX XXXX that was paid and closed on XX/XX/XXXX. Equifax claims to have performed an investigation, yet the closed account still remains on my report. And, Equifax updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER XXXX years, until XX/XX/XXXX. 

I contacted XXXX - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: VA

Complaint narrative:
I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed

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 2022-05-06 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: VA

Complaint narrative:
I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed

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 2022-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank has failed to mark negative tradelines that they are reporting to all three credit bureaus as " Disputed '' within 31 days of them receiving my formal disputes regarding their inaccurate reporting on my credit reports via certified mail. 

I have receipts with tracking numbers proving that they received my certified mail enclosing my disputes. As well as copies of my credit reports, that shows they did not mark the accounts as disputed. They have failed to do what is prescribed by law. I also have credit monitoring in place that alerts me to comments, changes, etc. If Comenity Bank does not remove the items being negatively reported under my social security number I will use all legal remedies afforded to me per FCRA & FDCPA. 

FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ) requires that ANY TIME a consumer contacts an entity questioning a line item that they placed on their credit report, they are required to contact the credit bureaus on the consumer 's behalf, and add a sentence to their credit report WITHIN 30 CALENDAR DAYS that says the consumer has disputed the negative item in question.

In my case, Comenity Bank has failed to follow the law spelled out above, they are currently reporting two negative tradelines to all three credit bureaus under my social security number, and they did not follow the steps prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have been a customer of Discover Card for several years and have never missed a payment and also have an personal loan with them. XXXX payment history with them has been stellar and in fact they increase my credit limit without me requesting it. I recently received an e-mail from XXXX stating that Discover Card want to access my IRS tax information. I actually thought the e-mail was a fraud phishing e-mail, because I have never had a credit card company request to see my tax information. Given I thought this was a fraud e-mail, I deleted it. Today I tried to use my Discover Card to rent a car. I have a {$12000.00} limit and my balance is just over {$5000.00}. The card was declined. I called Discover Card and spoke to XXXX XXXX about the decline. He stated asked did I get the e-mail requesting my IRS information. I told him yes however, I thought it was a phishing e-mail. He state that they would not allow me to use the card unless I gave them access to my IRS tax information. I was shocked. I asked him was this legal. He didn't have an answer. I asked to speak to a Manager and he told me he would send the Manager an e-mail and they would call me back. I have been a customer for Discover Card for years. I have a stellar payment history as evidence by them increasing my credit limit without my request. My income has not changed since I first received the car, in fact it has only increased. However, there is no reason I should give a credit card company access to my IRS tax information to maintain a credit card. This should be illegal. I am really thinking about ending my relationship with Discover, however, this should not be allowed. I should not have to give a credit card company access to my IRS tax filings to maintain a credit card. Please help. I am also filing a complaint with my Congressman. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX opened a FHA mortgage loan using my identity information on XX/XX/XXXX for an amount of {$180000.00} without my authorization. It then concealed the loan information for six years and started using the loan account when it took over the mortgage servicing right from our last mortgage lender and servicer XXXX  XXXX XXXX, XXXX in XXXX. XXXX lowered the loan balance of it's fraudulent loan account to {$160000.00} to match the balance of it's assigned Deed of Trust. 
In XXXX XXXX maintained one Deed of Trust and in XXXX XXXX created two Deeds of Trust in response to FHA Hamp loan modification program. However, all three Deeds of Trust were created to secure the loan balance of the fraudulent mortgage loan account that XXXX opened on XX/XX/XXXX. 
I found the mortgage loan open date for the first time on XXXX of XXXX. I filed an affidavit of identity theft with FTC on XXXX. I also reported the matter of identity theft to XXXX and mailed it the paperwork it asked me on XX/XX/XXXX. I sought debt validation pursuant to FCRA identity theft regulation. However, XXXX did not do any investigation or provide me any response to my debt validation mail. XXXX on XX/XX/XXXX closed the disputed mortgage loan account but continued all kind of collection activities since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under -15 USC 1681 section 602 A. states I have the rights to privacy. -15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also the credit bureaus took more than 30 days to complete my investigation certified mail tracking # XXXX, XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation