vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I submitted a claim for an authorized transaction in my SoFi account of {$390.00} on XX/XX/2023. As stated in my initial claim to SoFi, I don't know who XXXX XXXX is and would not send a large amount of money to a random person. I only use that payment function to send rent to my brother, and pay my mother or partner- XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these names are listed in my transaction history. Ive included screenshots of my past Pay a friend transactions to SoFi to show this history. 

I tried to cancel this transaction as suggested by SoFi, however - SoFi did not allow it. I tried to dispute the transaction, but SoFi said the transaction must be posted. I clearly did not want this posted on my account, that is why I am disputing it. 

I read that the report says this is rejected due to a geolocation being used and therefore rejected- all that confirms is that someone accessed my account without my awareness or authorization. That does not make me responsible for a transaction I did not send or authorize. I am speaking to my awareness of the situation and the impact it has caused with my finances and trust using SOFI. 

That is not a transaction I authorized or a recipient I know. I even locked my debit card as soon as I noticed this {$390.00} posted to my account. This is the only transaction I have ever asked to dispute. 

SoFi refuses to let me speak to someone over the phone and continue to close my case without reviewing the details or circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/XXXX I went to my Wells Fargo branch to talk to a banker and share information about an identity theft issue that occurred on XX/XX/XXXX. 
On XX/XX/XXXX when the theft transactions happened I spoke with a fraud investigator on the phone and filed my claims. The checking account was closed immediately and a new account was opened. The investigator also ordered me a new debit card. Also ALL online services were immediately stopped. 
As of today when I checked my account I found that those fraudulent items were processed anyway! And now my new account is in a deficit. 
Why were those items processed when WF bankers and fraud Dept. knew it was a theft!!

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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An individual using the name XXXX XXXX has been fraudulently using my address to apply for credit cards ( XXXX XXXX XXXX accounts ) and to dispute credit reports with XXXX. Despite my report to XXXX of this activity, this individual was successfully issued a credit card from XXXX. I have reported this to the security offices of both Chase XXXX and XXXX. The first indication was a letter XX/XX/2024 from Chase declining credit card approval, then XX/XX/2024 another decline for a second credit card request, then follow up letter XX/XX/2024 stating someone may be using XXXX 's identity and declining his application. I had reported this fraudulent activity to Chase by this time and this letter was likely due to my phone call to Chase informing of this fraud. Then XX/XX/2024 and XX/XX/2024 letters from XXXX to XXXX came to my address about investigating disputes to his XXXX 's credit and approving the deleting of record requests from XXXX XXXX and XXXX XXXX XXXX. I called XXXX for help and they said all I can do is put a fraud alert on my own account but there was nothing I can do about someone using my address for credit reports and that they couldn't investigate this fraudulent action. Then XX/XX/2024 a latter from Chase XXXX came requesting documents to approve XXXX 's credit card request. I called Chase XXXX XXXX again to warn them that someone has been trying to open a credit card with them using my address. Depite this call, a credit card arrived in XXXX 's name on XX/XX/2024. I reported this to Chase XXXX XXXX immediately. Chase XXXX XXXX issued a credit card to an individual named XXXX XXXX and credit cards arrived to him arrived in the mail to my address despite my calls warning them of this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of inquiry : XX/XX/year> Account name XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year>

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX XXXX XXXX of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Today, XX/XX/XXXX, around XXXX XXXX XXXX XXXX, I received a call from Chase Auto Finance regarding my loan for a XXXX XXXXXXXX XXXX. They informed me that the payment was currently XXXX  days late and inquired about when I intended to make a payment. I mentioned aiming for around the XXXX or later. The agent then warned me that if the payment wasn't made by XX/XX/XXXX or earlier, I would be considered XXXX months late. Seeking clarification on the current number of days late, I was informed it was XXXX  days as of XX/XX/XXXX. When I questioned how making a payment after the XXXX would result in being XXXX  days late, the agent corrected that it would be XXXX  days late, not XXXX. I found the use of " XXXX months late '' misleading and inaccurate, more of a tactic than deceptive. I would like a debt validation letter and the agent to undergo training.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
After being denied original request for additional amount month, company advised me to send hardship letter with additional paper. XXXX weeks plus elapsed so checked back and was told this could not be done and asked me to submit hardship letter again and more of same paperwork. Every time was told they would be in touch in 7 to 10 days. Never received their response & each time I had to check in to get status. Was always told this could work but in the end it never did. If I had not checked back with them, I would have never known status. Finally in XXXX in answer to another call from me I was told there was nothing they could do. Thats when I contacted firm to assist & they got same treatment. This is associated with XXXX XXXX which was filed previously. 
Shellpoint is totally unscrupulous & dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Our business used Chase Business services. Unfortunately, our business failed. But, in the interest of being good people, we decided to pay off all debts. Our credit card had a balance of XXXX XXXX. Our Checking had a balance of XXXX XXXX. So, the XXXX of us all chipped in {$850.00} each and paid off the credit card well before the interest was due. This was done, in person, at a Chase banking center. After all debts were paid and all accounts were closed, we got a bill another month later stating we owed {$46.00} in interest. 

Every other credit card that the XXXX of us has ever had has never charged us interest in this way. They say it's standard. Well, if this is their standard, I recommend not doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last XXXX  he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX, nationstar  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and XXXX  all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX , CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a text stating there was a suspected fraudulent charge on my account. I immediately called and as I was on the phone with a customer care agent, realized someone had hacked into my account, changed my email and phone number and was in the process of making fraudulent, unauthorized transactions on my account. XXXXXXXX XXXX XXXX transfer for {$1400.00} and one debit card transaction for {$4900.00} for a total of over {$6000.00}. It left me with XXXX cents. I was told it was very clear it was fraud since it happened immediately following a change in email and phone number on the account. We worked together to re-change the info, secure the account with new passwords and change passwords on all other accounts such as email, XXXX, etc. I was told I would get a call and/or email from the investigation team regarding the return of my funds within 3 business days. I have received nothing. I have called everyday and each day I am given little information. I can not obtain employee names or numbers of the customer care agents, I have been unable to talk to the fraud team, any investigator or any supervisor beyond the customer care line. I have been given a different timeline, account status, reasoning for the delay each and every time I have called. I am always told I will receive and email or call back with XXXX minutes, and I never do. I read on the website where they give provisional credits when unauthorized transactions are made and the investigation is pending, but I was told today I do not qualify because mine was a fraudulent transaction WHEN is an unauthorized transaction NOT fraud? It makes no sense. I have now been told nothing will happen on my account and that I need to try back Monday. I just need to know when and if I will receive the monies back so that I can adequality plan -- but I can not get any straight answer or timeline from these people. I do not know if my account is currently active, I do not know if deposits will be returned, I do not know if my account numbers will remain the same or change, I do not know if I need to change my direct deposits, I do NOT know where my XXXX is and I do NOT trust anything the customer care reps tell me, as they have not been forthcoming or honest yet.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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