vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NC

Complaint narrative:
I received two separate books of checks for two different checking accounts that were opened in a name very close to mine. One had the correct address on the checks and the other was a number off. Both check books had the incorrect phone number. I called TD bank, where both accounts were opened, and they marked the accounts as fraudulent and closed them. They also provided me with steps to take regarding identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
XXXX. I've kept two online saving accounts in HSBC for over ten years, but recently, I could not log in to internet banking, so those were dormant. On XX/XX/XXXX, I reactivated one, but the other account was already closed by HSBC. 
XXXX. I did live chat several times ( From XXXX to XXXX ), and they said it was closed in XXXX by the abandoned property. And I heard the valance was zero during the last three months before the closing. 
XXXX. HSBC emailed me about the e-statement until XX/XX/XXXX ( See the attached file ). Even though they have my email address, they did not notify me about the closing. Furthermore, I did not make the valance zero. ( On XX/XX/XXXX, the valence was XXXX dollars ). 
XXXX. As agents recommended, I called the abandoned property, one who received the call said they do not have my closed account. That call was made on On XX/XX/XXXX XXXX AM ( in XXXX, That is XX/XX/XXXX XXXX PM in New York ). ( Actually, the abandoned property hardly answered, never called back. ) I called the phone banking team, but they repeated that the account was closed and went to the abandoned property. 
XXXX. I left the message to XXXX @ XXXX on XX/XX/XXXX, one agent submitted an official complaint about my case, and he gave the complaint ID. The other agent tried to connect me to the abandoned property through the phone, but they did not respond for over 10 minutes. And the call was terminated. The agent called back and said she would look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX, XXXX and Transunion for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.

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 2021-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX, Experian and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I became unemployed in XXXX due to covid. My mortgage lender Mr Cooper if XXXX Texas allowed a forbearance of 18 months which ends XX/XX/XXXX. Despite proving I am now employed and can resume my monthly mortgage payments the advised me unless I pay the entire forbearance amount of {$36000.00} I must short sell or do a deed in lieu. They said XXXX XXXX will not allow for a refinancing of my property. This is completely unfair and I am requesting help. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
ths is not mine i am tired of explainng this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was a victim of credit card fraud of about {$40000.00}. All documents were submitted to Bank of America on XX/XX/XXXX. Bank of America completed their investigation and sent me a letter dated XX/XX/XXXX that the investigation was complete and ruled in my favor. Within a few days all those charges appeared on my new credit card. Bank of America also allowed XXXX Unauthorized credit increase approvals on XX/XX/XXXX for {$38000.00} and in XX/XX/XXXX for {$48000.00}. At the time of initiating the fraudulent activity, Bank of America removed those charges temporarily to investigate. However, they did not carefully investigate the Credit Increase requests that predated the fraud. The last request they received to increase credit was XX/XX/XXXX for $ XXXX but this was declined. All this information is what I gathered from Bank of America Fraud representatives. Now they have reopened the case, they have connected with XXXX, where all the fraud occurred but are unable to remove the $ XXXX from my new Bank of America card, for which I had reduced the credit limit to $ XXXX once the fraud was discovered. So now it appears that I am $ XXXX above my credit limit. They said they couldn't move that money off temporarily but that they would report back to the 3 credit bureaus once this is all rectified and help to repair the credit score. All the transactions were made on a compromised XXXX account. XXXX completed their own investigation and concluded that nearly $ XXXX of charges were Unauthorized. I have attached a detailed letter with multiple specific references from both Bank of America and XXXX. The letter will also be faxed and mailed certified to Bank of America. I called them today, XX/XX/XXXX to let them know that I would also be reporting them to the CFPB since they have completely mishandled investigating this sizable case of fraud. Lastly, I have an excellent XXXX score over 25 years so this episode is entirely inconsistent with my track record and I fully expect Bank of America to resolve this quickly.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I earn Membership Reward points from American express on my purchases. These points can be invested in XXXX XXXX if the account holder has a a XXXX account which I have. However for last XXXX weeks I have been trying to transfer and use these points to invest in XXXX. It is not working. I have called AMEX several times. First time, I called American express a month back and was told that I needed to contact XXXX. I called XXXX. After a week I received a call and the rep wanted me to do the transaction as per his instructions. It didn't work. I was told that AMEX will send a new card. I got the new card on XXXX XXXX. The new card didn't work. I had the same problem in transferring points to XXXX XXXX. I called AMEX on XXXX XXXX. The representative tried to help me but had to put me on hold and I got disconnected. I called AMEX again today and while on phone, the representative reset my password without my permission and I had problem in creating a new password. Finally, I got it taken care of. However, the original problem of point transfer to XXXX XXXX is still existing. Meanwhile, I am losing money because I can't invest the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XXXX & XXXX fraudulent checks where deposited in my personal account after seeking a personal loan through credit karma. The company is XXXX XXXX XXXX. I was told the deposits were to verify that the account was actually mines. I was told after the deposits were made take the money and send it back and the process would be complete. After this my account was put in the negatives ( - {$650.00} ). I XXXX the company and apparently it is a actual company. They have people impersonating they are with this company but actually are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank / Ashley Furniture closed my account that is in good standing with no reason. Theyve done this to me with XXXX XXXX card after making a payment. Researched this issue online and it looks as though they seem to do this frequently. This should be completely illegal.

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 2021-12-14 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: NC

Complaint narrative:
I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: MO

Complaint narrative:
XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.

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 2021-12-14 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: MO

Complaint narrative:
XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS REPORTING A COLLECTIONS ACCOUNT THAT I HAVE DISPUTED TWICE AS FALSE. FIRST TIME IT WAS RESOLVED IN MY FAVOR AND SECOND TIME, THE SAME ACCOUNT FROM A DIFFERENT AGENCY, WAS NOT. ALL OTHER CREDIT AGENCIES HAVE RESOLVED IN MY FAVOR. I PROVIDED DOCUMENTATION PROVING THE DISPUTED AMOUNT IS COMPLETELY FALSE AS THE " CREDITOR '' ACTUALLY REIMBURSED ME SEVERAL TIMES FOR THEIR ERROR ( ATTACHED HERE )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Moneytree Inc
State: WA

Complaint narrative:
Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted and cashed a check for {$3300.00} on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/2020 and then again on XX/XX/2020 XXXXXXXX XXXX XXXXXXXX made hard inquiries on my credit. I don't know who they are but no one has been authorized to pull my credit multiple times. It's possible one hard inquiry was authorized when I was shopping for a new rental property however no one should be accessing my credit multiple times.

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 2021-12-14 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( 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
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted a check for {$3300.00} which Wells Fargo cashed ( see check copy attached ) on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.

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 2021-12-14 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: CA

Complaint narrative:
In XXXX of 2020 I purchased airline tickets from XXXX for travel in XXXX of 2020. XXXX cancelled the flights due to COVID. I contacted XXXX for a refund, which they would not offer. They would only offer a voucher, which I did not want. I then contacted Chase within their XXXX window to enter a dispute. I ended up having to provide documentation twice, spending hours printing, uploading, etc. because they mistakingly started my first dispute with only 1 of the 4 charges and the declined the dispute. The second time I sent the documentation was days before ( XX/XX/XXXX ) XXXX XXXX submitted for Bankruptcy ( XX/XX/XXXX ). Chase declined my dispute in late XXXX of 2020. XXXX entered bankruptcy during the time Chase was reviewing my dispute. I believe they should have refunded me based on the Fair Credit Billing Act. I contacted them today after learning about the FCBA, and they stated that it doesn't matter if they made the error, I am now outside the timeframe of making a dispute and they will not review the case, even though my original submission was made within their time requirements. I have lost out on over {$2300.00}, and I believe Chase at a minimum did not properly review the case, and may have denied my claim knowing they should have approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
I am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud. 

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please also remove all employment information as I am not working.

Company response to consumer: Closed with explanation