vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Someone had my debit card information and used it to set up a XXXX XXXX  wallet. They pretended to be Chase Bank calling about fraud in my card. 

Scammer then used XXXX XXXX  to purchase about {$140.00} in gift cards at a XXXX in XXXX, VA. 

Chase refuses to refund the money that this scammer stole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was in the process of having XXXX  and needing to get XXXX just came from the ER and my leasing office put a boot on my car on XXXX XXXX  XXXX XXXX XXXX It Right XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX  XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} while I had submitted a dispute to US Bank regarding this issue they denied it on XX/XX/XXXX in the process of the dispute someone did not pay attention when the money of XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$340.00} was placed back into my account causing my account to go into the negatives ( - {$230.00} ). In the process of doing this my debit card was locked which means no one can use my card well some transactions were still go thru. I called US bank to find out why transactions were going through. After I spoke with someone at US bank my account stopped getting charged by the same people low behold now my account is XXXX. Just because of overdraft charges. I tried talking to someone XX/XX/XXXX at US bank because IRS is sending CHILD tax credit to this account and now XXXX is going to them. The person I spoke flat out refused to put my account before the overdraft charges.

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 2021-07-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NC

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
XXXX. As a US bank client, I never opt in overdraft protection, I do NOT need it at all. However, US bank repeatedly charged me in total 9 overdraft fees ( {$36.00} each ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. I did not see any reason US bank should charge me any overdraft fees as I never switch on the overdraft protection. 

2. I called the customer twice and the manager ( a super nice man ) promised to waiver all the charged overdraft fees as he agreed that : 1 ) I encountered fiscal issues during the pandemic which is ubiquitous and understandable ; 2 ) I never opt in overdraft protection so US bank had no reason to charge me.

3. I got the first 5 out of 9 overdraft fees waivered, however, the latter 4 is still in the air and I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, however, US bank refused to waive the fee at this time. 

4. The latter 4 overdraft fees were repeatedly charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when my account balance was more than XXXX  ( please refer to the attached file for more details ), which is really insane.

5. I felt I have wasted too much time on this piece of thing and hope it will be addressed ASAP. I honestly do not see any reason that US bank should charge any overdraft fee when my account balance is positive. Their malfunction banking system adversely impacted my life as I need to spend time dealing with the mistake they 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 explanation
Consumer complaint received 2021-07-15 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: GA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2021-07-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I had an unauthorized charge to my checking account by XXXX in the amount of {$190.00}. I believe I was the victim of identity fraud and my credit was used to open up a fake cellular phone account. I placed a credit freeze with XXXX, XXXX, XXXX, XXXX, and XXXX. I notified Chase bank and they are currently investigating. I also filed an identity theft report with the FTC. And I contacted XXXX, but they were not helpful and were unsure of what action to take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
I have never received a call or letter today from XXXX XXXX until today ( XX/XX/2021 ) letting me know that I am in debt with them in the amount of {$26000.00}. I have owned a car years ago but never had insurance on it. Never have I had an accident with anyone involving XXXX XXXX. This letter is demanding for me to make a payment within 30 days that the letter has been sent or they will collect money including bank levies, my paychecks or any personal property that I may own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
good morning, please be advised I file a dispute with all three bureaus regards to inaccuracies on my credit report. I have disputed these items 60 days ago and I have not received any information on my credit report. fair Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate

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 2021-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in violation of the Fair Credit Reporting Act. The agency has refused me the right to simply update my personal information dispute incomplete or inaccurate information. I have identify information in my file that is incomplete or inaccurate and Experian is refusing me of rights to update my credit report. 

Experian is causing harm and potentially exposing me to identify theft and fraud by providing information about me to people with NO valid need to know by refusing and allowing multiple addresses that l no longer reside at. 

On XX/XX/XXXX at about XXXX XXXX., I reached out to Experian to update my personal information and they refused to allow me to do so. I was shocked to see that there were a total of 28 different addresses, different phone numbers and 3 different names and multiple employers on my credit report. 

I do not currently live at any of those addresses. 
As a concerned citizen, if someone is sending mail to those addresses with my personal information can potentially expose me to identify theft. 

As of XX/XX/XXXX, at approximately, XXXX, I attempted to notify Experian to file a report of being a victim of identity theft and they continuously refused allow me to report this information. I called at least 9 time this morning and was unsuccessful. Everytime I try to call, they hang up the phone in my face and when I finally got through and requested to speak to a supervisor, another supervisor, lied stating that the previous supervisor that I had just spoken to, had not come in yet when in fact, l had just spoken this supervisor to minutes prior. 

They never gave me the opportunity to explain before hanging up the phone. 

On XX/XX/XXXX at approximately XXXX l was contacted by my credit card company, XXXX XXXX Bank Fraud Dept : in which they informed me that an attempt was made in the amount of {$3600.00} that I did not authorize. If you would like to reach out to the credit card company who informed me about this attempted identity theft. You are more than welcome to call them at XXXX XXXX option 4 and speak to 4 and speak to supervisor XXXX XXXX XXXX. 

( XXXX ) XXXX Police Department case number is XXXX. 

( XXXX XXXX XXXX Police Department case number is 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 non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have an alleged debt with LVNV Funding LLC. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted LVNV Funding LLC and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what LVNV has on my credit report the alleged debt account was opened in XXXX of XXXX I was living in Florida in XXXX of XXXX. There is no XXXX XXXX Branch bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want LVNV to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from XXXX and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from LVNF Funding LLC. I have also filed a dispute with XXXX  and am unable to file one with XXXX because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: MD

Complaint narrative:
Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX I put a complaint on XX/XX/2021 # XXXX Trans Union Remove the 30 day late pay from my credit report. on XX/XX/2021 Trans Union put the False and Misleading 30 day late back on my credit report that is a VIOLATION SECTION 807 YOU CAN NOT PUT SOMETHING THAT WAS REMOVE AND NOW ITS BACK MY CREDIT REPORT I AM SEEKING LITIGATION FROM THIS 30 DAY LATE PAY for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information on my credit report Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.

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 2021-07-15 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: WI

Complaint narrative:
i called transunion at XXXX XXXX  on XX/XX/XXXX and requested 15 inquiries be deleted from my credit report and they refused to delete them. All 15 of these inquiries are not mine. I want all 15 these inquiries listed inside an attachment here to be deleted immediately.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Problem Is With Experian, which is one of three credit reporting agencies. Recently I noticed several different accounts that was opened without my knowledge or consent. These accounts are definitely a result of Identity Theft. I contacted Experian by filing several disputes concerning the accounts in question. They literally answered back the next day stating the companies verified that these accounts are legitimate. I can assure you that, for certain, I didnt open these accounts. I have spent almost 8 months in the hospital, off and on, in XXXX, as well as XXXX. I have XXXX XXXX XXXX in which both my XXXX are covered with XXXX Very often those XXXX XXXX or bleed which is extremely painful. In fact, so painful that when pain meds cant touch the pain without killing me first, I am put under an XXXX XXXX so that I want have to suffer. All the accounts in question WAS NOT opened by me. I also happen to know that several data breachs involved my information. I mean this is quite obvious that my information was stolen, and whomever is responsible for this, is the culprit. And Im sure that they obtained my information from one or either several of the data breaches. I should not have to suffer and pay for something that I didnt do. This whole ordeal has aspirated my XXXX. Im a XXXX XXXX that served in the XXXX XXXX XXXX in XXXX. I have XXXX XXXX XXXX that is so bad, I dont wan na sleep at night. I should never ever be XXXX and for good reason. Its mandatory that I have a visit with my doctor as well as my therapist at the VA. I want every single account in question, that I did not do, removed from my credit profile. This is horrible to deal with, especially in my condition. And I still have the other two credit reporting agencies to deal with concerning this same thing. Please remove those accounts from my credit profile. I should not be 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 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This issue is regarding the refinance of an investment property in CA. The lender is LoanDepot.com. When I initially started the loan application in XXXX, they offered a locked interest rate of 3.25 % 30yr fixed. There was no points and the mortgage fees was quoted at approx {$2300.00}. In order to start my application, I was charged over {$500.00} for deposit and credit reports. 

I provided all docs requested by them in a timely manner, within 24 hours. In XXXX, they added points to the loan and significantly increased the mortgage costs. The reason they cited was difficulty finding an appraiser for the property, yet they scheduled as appraisal the same day I asked for escalation. 

Now as we get ready to close the loan in XXXX, the quoted mortgage fees is approximately {$9000.00}, and LoanDepot tells me they are legally allowed to increase the mortgage costs. They are given me the option ( and asked me ) to cancel this loan application. 

LoanDepot is unwilling to lower the mortgage costs to what was originally quoted. They have also not offered refund for the fees that I paid, nor any compensation for the time and effort spend on this loan application. This loan has already taken 90 days, with no clear path to a fair closing.

Company response to consumer: Closed with monetary relief