vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: NY

Complaint narrative:
On XX/XX/2021, my Chase Checking account ending in XXXX, was involved with someone making unauthorized fraudulent charges. The following ATM withdrawals from the same branch were made all on the same day. {$1000.00}, {$2200.00} and {$800.00}. Chase allowing so much money to be withdrawn on the same day without so much as an alert is totally egregious and the second withdrawal should have been denied. The only time they reached out to me was subsequent to the withdrawals for a charge at a gas station for {$30.00}. There was also another fraudulent charge that same day at a XXXX  for {$240.00}. When I received the alert for the gas station purchase, I went onto my account and noticed all of the above mentioned charges and contacted Chase right away to let them know they were not my charges. I was asked if I had my Credit Card in my possession and I did, therefore, I told them so. There was an investigation done by Chase and subsequently the case was closed due to a statement made by them that it is IMPOSSIBLE for someone to clone a card with a chip on it. They stated the person also used my PIN. This statement is entirely untrue as this happened to me. I do not know how it happened but it did. I asked them to check all the cameras and they told me I would need a lawyer to have that done. I also tried to open a police report and the officer told me unless I have a document from Chase stating it was confirmed fraud, they could not take a report. I have since done some research and have indeed confirmed that although it is very difficult, this copying of a chip card can be done. Please do your own research about a company called XXXX XXXX and how they have designed software called XXXX XXXX. Nothing is impossible in this day and age and I resent the fact that Chase did not look further. I have basically lost my life savings and there is nothing they will do about it. My entire family have been customers of Chase for many years and because of this, they are considering leaving. I am extremely saddened by this situation and have living expenses to deal with and no where to turn. Please look into this for me, further investigation needs to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NV

Complaint narrative:
On XX/XX/XXXX I called to ask about a confirmation of payment for debt and I asked where they going to remove it and he told me no because the account is now closed and they cant do it. However, I keep getting the run around with this company. When I was trying to dispute the debt I had a lady laugh in my face and told me duh stupid this is the debt you owe and what are you talking about and hung up on me. I call again and I get another person stating that cant help me in regards to disputing my debt at first and then if I pay how they can take it off and they tell me they cant take it off. Another time I call, I asked about how they can take payment and the lady couldnt help me with the online payment website and told me there was nothing I can do. I have asked several times through different people about getting it removed and no one told me they could help me do it through their office. Then the last time I call they tell me I shouldve done it through their office and when asking for help I didnt get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TX

Complaint narrative:
On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my XXXX  I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted Transunion and XXXX  also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : United Collection Bureau , Inc . 
Alleged Original Creditor Account number : XXXX XXXX XXXX XXXX Debt collectors Name : XXXX XXXX XXXX XXXX , XXXX . 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$680.00} Current Creditor : United Collection Bureau , Inc .

Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to XXXX to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via XXXX and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This complaint is regarding consumer reporting agencies.

The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
Equifax, XXXX, XXXX  are the agencies in question.

I am submitting this complaint as the consumer, a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper has been charging me for PMI at {$58.00} per month. I requested PMI be removed SEVERAL times. I owe {$40000.00} and the home is valued at {$200000.00} per XXXX and comps in the area. I placed my request in writing to them XX/XX/2020 after several phone calls. I received a response that it would take about 6 weeks. Nothing happened. Again, I called and was told in 2-3 days ; nothing has happened. I am still be charged {$58.00} per month.

Please help me get a refund and get this unlawfully charged PMI cancelled. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have debt on a Synchrony Bank credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XX/XX/2020. Another collection agency, XXXX XXXX XXXX has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, XXXX XXXX XXXX has hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. XXXX XXXX XXXX also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from XXXX XXXX XXXX and the date of that, as well as their attorneys letter and the date

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 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction back in XX/XX/XXXX with Santander Consumer. A consumer credit transaction is a transaction where a finance charge is involved. Pursuant to 15 usc 1605 the finance charge is the sum of ALL charges in any consumer credit transaction. Since the finance charge is the sum of all charges I should not be receiving any 'bills ' from Santander USA but I have been receiving bills from Santander Consumer USA since XX/XX/XXXX which is a violation of 15 usc 1692b. I now understand that pursuant 15 usc 1692a ( 3 ) I AM the Consumer. Santander Consumer USA has been fraudulently taking payments from me and I need your help in this situation. I have already sent them ALL forms and proof of the deception they have pulled on me and they are in receipt as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Risecredit, LLC
State: UT

Complaint narrative:
Had my credit pulled and saw a Rise credit loan on my credit report. Did not apply for the loan or receive funds for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: DE

Complaint narrative:
Inquires on account do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: U.S. BANCORP
State: CA

Complaint narrative:
My second email below was sent to Elan Financial via postal mail today. It reads as follows : Dear Sir or Madam, On XX/XX/XXXX, I put charged a deposit of {$100.00} on my FidelityRewards VISA ( serviced by Elan Financial ) towards the purchase of a XXXX XXXX XXXX  with a initial contract of {$60000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX contacted me that the price would be in excess of {$96000.00} and offered a full refund. I processed the cancellation order on their website, but have never received the refund of my deposit. 

I earlier contested this charge through Elan and they just sent back the original copy of the contract showing the 3 day right to Cancel in California and my execution of the contract. XXXX made no mention of this 60 % price increase or their offer for me to cancel / receive a refund. Clearly the deposit can not be held by XXXX when they so drastically changed the pricing. 

The employees who originally serviced my accounts are no longer with XXXX and my account on their website has been disabled. I can not retrieve the revised contract. There is no mailing address offered on XXXX website to send formal correspondence. 

I am also contacting the CFPB for 1 ) Elans poor investigation into the matter and 2 ) for XXXX deceptive business practice. I should be able to log into my account and see the correspondence and history of the matter. 



XXXX XXXX Encl : Original Contract Pricing XX/XX/XXXX Emial notification from XXXX notifying of contract price increase and offering deposit refund.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed accounts with XXXX  & Experian several times and nothing has been done. I received no correspondence or any results from the disputes I put in for the inaccurate items on credit. I have attached the letters I sent previously but there have been more. Please fix accordingly.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX Transunion, XXXX  are the agencies in question. 
I am submitting this complaint as the consumer, a natural 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 explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX XXXX, Experian are the agencies in question. 
I am submitting this complaint as the consumer, a natural 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 2021-07-13 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: TX

Complaint narrative:
In summary, the case boils down to this : on XX/XX/2020 I paid XXXX ( " Merchant '' ) {$1900.00} for a seminar using my Southwest Chase credit card ending in XXXX " Chase Card. '' Issued by Chase Bank '' ( Chase Bank ''. ) Subsequently, I contracted XXXX and was unable to attend the seminar and cancelled my reservation. As per the merchant 's COVID policy, the Merchant issued a full refund/credit to my Chase Card. The problems begin at this point.

To this date, after my numerous phone calls, emails, and faxes Chase Dispute Department, they have failed to process a refund/credit. I am submitting this complaint to the CFPB with the goal of having my funds returned to me. Please understand between the Merchant and Chase Bank there is {$1900.00} unaccounted for and owed to me. As you can tell from the attached supporting documentation the Merchant maintains the was issued from them. Chase Bank should review their accounts for my missing {$1900.00}, I am certain that an internal audit of their records will prove they are holding an excess of {$1900.00}. In the event that Chase finds the merchant failed to properly process the refund, then the onus of collecting the {$1900.00} falls on Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America will not allow me to set a pin to my card. They have no record of my social. In order to set a pin they need to correct the last XXXX of my social to 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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank is beinf very rude to me I feel XXXX  against I applied for my XXXX XXXX  and it was initially declined due to many inquiries I called them to explain that I was a victim of identity theft and that XXXX told me the inqueires would be removed they told me to call them back to do a reconsideration and once they pulled my credit and saw that they were removed I would be approved for my card I called them they were able to confirm that they have been deleted but they still wouldnt approve me I feel like I was lied to and now their requesting documents such a frustrating experience especially when Im doing what their telling me to have my app approved they claim their system wont let them

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 2021-07-13 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: IL

Complaint narrative:
I repeatedly asked TransUnion to verify bankruptcies XXXX & XXXXAfter months of written & phone disputes it come back as VERIFIED AS ACCURATE. THEN I ASKED FOR PROOF METHOD OF VERIFICATION. Bankruptcy Court do not share or VERIFY INFORMATION to any THIRD PARTY Or ANY CREDIT REPORTING AGENCY.,

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed accounts with Transunion & XXXX  several times and nothing has been done. I received no correspondence or any results from the disputes I put in for the inaccurate items on credit. I have attached the letters I sent previously but there have been more. Please fix accordingly.

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