vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent a payment to my roommate for rent on XX/XX/XXXX. On XX/XX/XXXX, I woke up to notification from the Chase app and via text message that my account was overdrafted by almost the exact amount that I had to sent to them. Checked the app and the charge was processed twice with the exact same confirmation/processing number. 

I reached out to Chase at XXXX but they werent open. I then reached out via XXXX as that was suggested. They advertise that theyre open at XXXX XXXX via XXXX, but I still havent gotten a response. 

When their call center opened, I called and was transferred to a representative where I was told that this was an ongoing issue that was being reported and that they should have it fixed soon. They have no foreseeable timeline and considering its not only the weekend but also a date where most people pay their rent, its even more egregious that this hasnt been fixed and that a large number of people might not have access to money until Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Monday I called Capital One to explain that a credit card had been opened and approved with my social security number, and that it was totally fraudulent. I gave them my social security and full name. I was told the card had been approved, a business card for a company called XXXX XXXX. I told them that it wasn't me to please cancel it. 
I was told to call back in 7 days, I called back in four days to be told that they had mailed the card out already. At first they thought they were talking to the scammers and calling it MY ACCOUNT. I had to explain again, what was happening, even after spending over an hour on phone with them on Monday XX/XX/XXXX. I have life lock and they notified me and stayed with me on the line the entire time. 
I am now being told the fraudulent card is put on hold and they won't be able to purchase. I had beg Capital One again to PLEASE not let them use this card. 
I am a victim of Identity Theft, I asked for this card to be closed, Capital One did not take action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank and let them know they ran my XXXX credit XXXX times on multiple days XXXX, and XX/XX/2023. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report.They need to train the staff on how to handle things over the phone.

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 2023-06-02 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: AFNI INC.
State: FL

Complaint narrative:
I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I need assistance with an overpayment made by my servicer XXXX to cover my property taxes for this year. XXXX has taken 2 disbursements in the amount of {$2600.00}, these have been pulled from my escrow account. Since my loan was sold to XXXX near the time off the 1st installment due date- ( 1st Due date XX/XX/XXXX ) the first installment was already covered by XXXX XXXX XXXX 

I have reached out to XXXX county who has provided the information : This is in response to your two email inquiries. As of today, we show that the first installment was paid by XXXX XXXX with EFT payment on XX/XX/XXXX. The second installment was paid by XXXX with check # XXXX for {$2600.00} on XX/XX/XXXX. 



We show that there are no double payments. If your lender states that the check was cashed, please contact your lender, and send us a copy of the front and back of the cancelled check. 



Thank you, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX will not issue a refund for the overpayment they have pulled from my account which was erroneous. They will also not send a copy of a cancelled front and back check to verify the payment was pulled by the County. This essentially is misallocated funds, theft from my account as they have not applied it to a County Tax as they should have. 

Additionally when reaching out to this agency- I have spent more than XXXX hours speaking with staff. I could not be connected to a Supervisor or manager. After requesting a call back customer service agents read notes stating I have been contacted by a supervisor- which is false- I have no record of any calls in my call log on the dates notated. During these calls I also get placed on extended holds and the reps disconnect the line after an hour of waiting. Its as if this agency wants to make you wait so long that you give up on your call.

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 2023-06-02 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: FL

Complaint narrative:
I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXXXXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX  You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
Comenity Bank has fraudulently charged my account for back interest associated with a promotional plan. I have been trying for almost 1 YEAR to get this resolved with several calls that took more than an hour each without any support or response. Each call resulted in verbal confirmation that the charges were incorrectly charged and would be sent to an " internal dispute department ''. I could not get any confirmation number or name within this internal department and told only that I would receive resolution by mail. Since then my card has continued to accrue interest that should not have been charged. 

This should be considered FRAUD over well over {$1000.00} that should be credited to my account. 

Note : Before I paid the promotional balance I called the credit card company to verify the value I needed to pay ( while I was ill with COVID ) and confirmed the amount to pay ( {$630.00} ) to avoid the deferred interest on the promotional balance. However the next statement indicated I did not pay an additional {$71.00} and therefore the deferred interest of over {$1000.00} was added to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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 am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-02 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 am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX ( appartment building ) was uninhabitable due to a cockroach infestation. Efforts were made over months to correct the problem to no avail. I terminated my lease legally according to AZ XXXX for uninhabitable conditions. XXXX issued a fraudulent move out statement with over {$4000.00} of early termination fee and insufficient notice fee and other fees. Ironically their own statment proves they knew about the cockroach problem ( pest control charges ), and adequate notice was given ( notice date ). They even kept rent paid after the move out date ( that should have been returned ) to offset against these fraudulent charges. Then they submitted the charges to a collection agency that reported them to the big three credit agencies just weeks after move out. If you search XXXX reviews for XXXX XXXX apartments in AZ, you will find many more reports of cockroaches and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX  account # XXXX ), has violated several of my rights.

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency Conor furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX XXXX XXXX. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Someone, somewhere, & somehow has gotten my social security number and applied for bunches of different credit cards online apparently because I have XXXX hard inquiries and I did NONE them myself!!

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023, I was online looking for a private money lender that could refinance my rental property. I came across a company called XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. I was told to make a down payment of {$7500.00} for a XXXX loan. I did the wire transfer of {$3500.00} and XXXX transfer of {$4000.00} but up to now, I have not received any funds. I reached out to my bank Truist, but they are not assisting me. 

Bank information where I sent the money. 
Bank Name : XXXXXXXX XXXX Account number : XXXX Routing : 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 2023-06-02 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: FL

Complaint narrative:
Please see attached. The following accounts were already deleted by the other reporting agencies because they were unable to provide proof of verification. TransUnion is held liable to the same duties under the Fair Credit Reporting Act and should not act above the law by any means or I will seek litigation due to violations and injury willfully done by TransUnion.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
Today, XX/XX/2023, I tried to pay my hotel bill with my US Bank Visa debit card and it was declined even though I have enough money in my account. I called customer service for US Bank and they said they suspected fraud and transferred me to the fraud department. The fraud department left me on hold for a long time and I had no guidance from their phone system as to how long the hold was. Since I did not do anything unusual, I think the fraud tag is their fault not mine and that is why there are so many customers being transferred to fraud. I can not get this fraud tag taken off without calling them but it is impossible to talk to their fraud department. They never do anything when I email them, so I am not falling for that again.

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 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The previous address listed on my credit report is incorrect and I have never lived there.

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 2023-06-02 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: GA

Complaint narrative:
Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 

XXXX XXXX XXXX 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 2023-06-02 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: OH

Complaint narrative:
The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: OH

Complaint narrative:
The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # 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