vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$4900.00}, {$6100.00}, {$9900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XXXX XXXX XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: IL

Complaint narrative:
I am refinancing my home with Chase/JP Morgan Bank. I am working with agent XXXX XXXX & his supervisor XXXX XXXX XXXX. On XX/XX/21 I transferred money from my savings account to my checking account to cover a {$500.00} fee for this service. BUT instead of XXXX XXXX taking the money from my checking account, he placed an unauthorized charge on my Chase XXXX credit card. I did NOT/NEVER authorized this charge! I Called Chase customer support & the customer support person will NOT allow me to dispute the charge because she ( XXXX ) claims charge is for " services rendered '' I did explain to her that I never gave authorization for my card to be used for this payment & therefore I should be able to dispute charge. She suggested I call the checking department, which I did & I spoke to that representative, XXXX, & he stated he sees where I transferred money of {$500.00} on XX/XX/21 from my saving to my checking BUT XXXX XXXX did NOT withdraw the {$500.00} for the refinancing fee. As stated Mr. XXXX charged my Chase XXXX credit card!!! Which is an unauthorized transaction & NOW Chase will NOT allow me to dispute this charge. I have sent an email to both Mr. XXXX & his supervisor Mr. XXXX explaining I want them to rectify this issue & that I will report this matter to your agency & I may see if I can file a police report for unauthorized use of my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: CA

Complaint narrative:
XX/XX/2021 I noticed I had been charged twice by SST so I called. While on the phone I was told I was being charged for a missed payment, but Im the past missed payments were tacked on to the end of my loan. I originally signed for this loan with XXXX XXXX XXXX and sometime last year I was notified SST took over. Now my payment arrangement with XXXX was twice a month and I had been doing that for a couple years now and today Im being told by an SST employee I have late fees and I need to change my due date. I have an issue because they have been harassing me by calling all hours of the day every day without leaving a voicemail in regards to the nature of their call. So I asked while I had someone on the phone why they do that and his response was we dont always leave messages, I explained to him how I felt I was being harassed because I have no clue who these individuals claim to be no correspondence and Im being charged late fees and my account is being charged twice in one day. I dont have the means to have my money taken from me thats why my payment was split which was an agreed upon method with my original creditor. What can be done about this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I learned that a negative action in the amount of {$2900.00} is repeatedly being reported as accurately being mine, although I have no knowledge of the stated account, that was opened in XX/XX/XXXX. My first knowledge of this fraudulent account is XX/XX/XXXX. The company name is XXXX XXXX, which I have never had an account nor had I ever heard of them until this fraudulent account appeared on my XXXX credit report. I later learned, that it has been reported to XXXX  and XXXX as well. After learning, that this fraudulent item was on my report I called & spoke with the credit department at XXXX XXXX and informed them, that I have no knowledge of this account. They said that the merchandise was delivered to an address on XXXX XXXX, in XXXX, TX. I have Never Resided at the address, that they allegedly sent merchandise. I have resided at my current address where I pay mortgage, for the past 27yrs. Also the person that I spoke with in credit department of XXXX XXXX stated a one time payment in the amount of {$100.00} was made toward this fraudulent account. I told her that they should trace payment method & match any signatures against mine. I have paid all my creditors online directly, from my bank account for many years. All other ( legitimate ) accounts are in good standing. I believe in paying my debts, but it can be easily proven that XXXX XXXX is not my account through signature comparisons of whomever opened account & my own. Also again, I have never resided at address that merchandise was allegedly shipped to. I have also completed an affidavit on government website attesting, that this is a fraudulent account. Person that I spoke with said that they show a XXXX XXXX account, that was issued in my name in XXXX that is paid in full. I told her, that I have never owned a XXXX XXXX Account either and wish to file a dispute for both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am deeply concerned and frustrated about an issue I am having with my CareCredit card payments. A few days ago, I made a purchase for {$1.00} on the card. When the charge posted, I tried to pay it. On three occasions now, I have tried to pay the balance. On each occasion, the payment has been cancelled by Synchrony, with them saying that my account has a {$0.00} balance and therefore a payment can not be processed. As you will see in the attached screenshots and email, that is not the case. When I called Synchrony, they told me it was because I had an open dispute that needed to be closed. This confused me because the last time I had a dispute was XX/XX/2020 and that was resolved. The rep, who claimed to be a manager, told me that he would close out the dispute and I could make a payment in 48 hours. After 48 hours, I tried to make another payment and received another email stating the payment has been cancelled for the same reason as before. I MUST BE ABLE TO MAKE PAYMENTS ON MY ACCOUNT TO ENSURE THAT IS DOES NOT GO PAST DUE. THIS IS A MAJOR PROBLEM AND MUST BE FIXED IMMEDIATELY. SYNCHRONY IS HARMING CUSTOMERS BY NOT ALLOWING PAYMENTS TO BE MADE.

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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I bought a large purchase on XXXX  the end of XX/XX/2021. I used my BOA credit card to pay for it online. I saved for it, so when the purchase showed up on my BOA credit card ending in XXXX. I paid the {$1200.00} purchase off. I used their app to make my payment. I use their automatic payment service. Every month to pay down my debt. They debit a set amount of {$100.00} each month on the same day. This was an extra payment I autherized on XXXX XXXX. A one time payment of {$1200.00}. 
On XXXX XXXX they again took another XXXX out of my checking acct. Unauthorized. Leaving my checking account with {$74.00}. 
I call BOA on XXXX XXXX telling them what they have done. Explained it was not authorized by me to take the money. Giving me a credit on my card of XXXX. They Basically stole {$1200.00} from my checking account. The woman told me it would be put under review and if warranted woud give me a refund. It take 3 day from start to finish to take my money from my checking account to there bank as payment. Its been 10 days since I called and I still have not recieved my money. I am racking up bank fees from bounce checks which is not my fault. With the technology that banks use to charge, add interest on purchases and debiting money out of our accounts as bill payments. Why does it take so long to give it back. When I called they saw the transactions instantly. 
I called again today XXXX XXXX only to get there is nothing they can do its still under review. 
How is this fair in any way? How is it that the consumer would be penalized if we missed a payment, under paid the minimum amount due, exceeded our credit limit, or just didn't pay at all by the credit card companies. But they make a mistake and they get to take their time correcting it without punishment. 
They also reporthed to the credit Bureaus that I had paid off my credit card after I called and complained they took my money unauthorized. How is it that my account is under review as of XXXX XXXX for a mistake they made but they reported that i paid it off in full? Sounds like they have no intention on giving me the money they stole from me or pay my bank fees. They're earning interest on money they stole from me while I wait in limbo to see if they are going to give it back to me. I want the interest they are earning as well. They get the interest on my unpaid balace. Whats fair here? 
We are living in a pandemic unprecedented times where people are out of work and struggling because of this pandemic. This is just another hit the consumer has to deal with that could of been resolved in a better and more timely matter

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was born in XXXX and in XXXX when i was XX/XX/XXXX years old i lived with my mother and siblings in XXXX XXXX NOT on XXXX XXXX yet i have a eviction on my credit report i would like it removed as well as the following names that i have never been known as such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of those names have ever been used by myself i also have no relation to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, please remove all this information from my report it is false information and dont want to have things i never did or used effecting me and my life its had a negative impact and i couldnt figure out why til now. Thank you have a blessed day

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I received notice in XX/XX/XXXX that my mortgage with XXXX XXXX was being transferred to LoanCare , LLC. I was provided a new account number and was informed that I would need to send my monthly mortgage payment to LoanCare ( beginning in XX/XX/XXXX ) under the new account number. I had not received any address information for making the change for direct deposit services - so I continued to send my mortgage payment to XXXX XXXX. 

In late XXXX I finally received a statement from XXXX XXXX " Serviced by LoanCare '' ( I had previously over the years received a coupon book for payment annually ) with the details of my last 3 payments being made on time but now there was also a new charge for {$100.00} added under " Total Fees and Charges '' with no explanation of what this new fee was for. 

I paid my normal mortgage amount to the new address provided in the statement with the new account number and called the LoanCare Customer Service number at XXXX. I asked about the additional fee in the statement and, after some checking, the operator came back to say it was for a late payment in XXXX and XXXX. I mentioned that I had never received any information from XXXX XXXX over the last EIGHT years that any unpaid late fee was due. The operator responded that I needed to have XXXX XXXX confirm this ( note : the operator ended the call by saying " thank you for calling XXXX XXXX. '' When I tried to contact XXXX Bank at their Customer Service XXXX the prompt to confirm my account indicated it was now being serviced by LoanCare and then hung up.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I contacted the credit bureau about this issue and ask that this item please be removed off my account on XX/XX/2021 and nothing was every done I ask that this item be removed as quickly as possible this is causing my family and I great XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have returned the merchandise and stated categorically that I am not interested in any store credit but they keep bouncing me back and forth and after a year, they are not stating that there is no record that the merchandise was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I had a LOC with First Citizens Bank which was originally included in a ChXXXX bankruptcy originally filed on XX/XX/XXXX. The bankruptcy was discharged in XXXX XXXX when I began paying the bank directly again. From XX/XX/XXXX until XX/XX/XXXX when my home was sold and the balance was paid in full, I was never late with my monthly payment. Currently First Citizens Bank is incorrectly reporting to XXXX a late payment in XX/XX/XXXX. XX/XX/XXXX I closed on the sale of my house and the outstanding balance of this HELOC was paid through closing. Furthermore, the status of this loan states included in bankruptcy. Its been11 years since the bankruptcy was filed and 8 years since the bankruptcy was discharged and shouldnt be referenced at all on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: NJ

Complaint narrative:
I disputed various incorrect collection accounts on my Equifax report on XX/XX/XXXX via United States Postal Service Certified mail with tracking. My dispute confirmation number is # XXXX. As per my USPS certified mail tracking receipt ( attached ) Equifax received my correspondence on XX/XX/XXXX. Their investigation was completed on XX/XX/XXXX, which is more than the 30 days allotted per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30- day time period, you must delete all of the disputed accounts from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have been charged many times for an overdraft on my account. In the past I haven't had enough proof to actually do much about BB & T charging me these fees due to the fact that when I called to correct the problem my app was showing different information then it had prior. This time I was smart enough to take a screenshot on my phone showing dates and times along with emails to prove that BB & T is taking full advantage of its lower income/class customers! Daily processing occurs over night and all accounts are updated with first deposits and then deductions. Well that's at least what BB & T clams. During daily processing last night I was charged a {$36.00} overdraft fee. That's really not a lot of money but at a time like this that's the difference of my water getting shut off or not so it's a lot of money to me and my family. My account was definitely running low. I will not deny that. It's been extremely hard for me to keep my family 's heads above water. At XXXX XXXX I received an email from BB & T that stated my account was negative {$35.00} after daily processing. That in itself would mean that my account was XXXX cents in the positive and was still charged a XXXX dollar overdraft fee. Please tell me how that is possible let alone ethical? I really wish that I had proof of the multiple times that this has happened in the past but sadly I do not. BB & T is one of the most unethical banks I have ever encountered. And I know that I am not the only customer that this is happening to. Please do something about this! At a time in American history when there are already so many American 's struggling to keep a roof over their head and food in their mouths the last thing we should have to worry about is a greedy bank stealing the last few cents of our hard earned money!

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