vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Application was denied I was placed on hold for XXXX mins and the high risk fraud dept was giving me hard time and then he ask that I take a selfie and my ID front and back then placed me on hold again for another XXXX mins. Then he comes back and said that they need a letter from my bank and I explained to him that my bank dont offer that because I have a online only bank I had for 5 years and I dont bank with any major banks. After he looked at my selfies and my ID for very long time and ask for more documentation from me believe Ive been discriminated based on my race which XXXX XXXX XXXX and they been giving me hard time and I cant produce a letter from my bank I dont want risk any account closure from my bank and I cant apply for any other banks I have a bad credit with banking history and again I believe this is discrimination Based on the selfies I send to American Express Application number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was traveling in vacation and my debit card was stolen and was used this is consider fraud this is what i received Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2900.00} XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.

Thanks, Chime Disputes Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding inaccuracies present on my TransUnion credit report. Despite my initial communication with TransUnion on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that require immediate attention and resolution : Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} It has come to my attention that TransUnion is reporting inaccurate information for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). I have a distinct recollection of the original creditor - XXXX XXXX XXXX XXXX, which is clearly a different entity than the one indicated by TransUnion. Furthermore, I have never entered into any contractual agreement with this company nor have I been contacted by them. TransUnion 's reported Balance of {$1400.00} appears to be higher than I believe it to be. Given these discrepancies, I am disputing the entirety of this account and requesting verification of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Similarly, the information presented for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) is inaccurate. The original creditor for this account is XXXX XXXX XXXX XXXX, not the entity indicated by TransUnion. TransUnion 's reported XXXX of {$1700.00} exceeds the amount I believe I owe. In light of these disparities, I am formally disputing this account and requesting validation of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I am requesting a thorough investigation of the information presented on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). While the original creditor is recognized as XXXX XXXX XXXX, I have not received any communication from XXXX. The reported Balance of {$1100.00} is not aligned with my understanding of the amount owed. In light of these inconsistencies, I dispute the entirety of this account and urge TransUnion to verify the Date Opened and Date of First Delinquency.

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 2023-08-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX and Certificate of Title was issued on XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on titleXXXX XXXX XXXX  attorneys pulled an official title report in which the chain of title shows the following : Assignment of Mortgage - XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX Assignor, to Bank of America XXXX N.A., Assignee, recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from Bank of America, N.A , Assignor, to The Secretary of Housing and Urban Development XXXX Assignee , recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from XXXXXXXX XXXX XXXXXXXX , Assignor, to Bank of America , N.A, recorded XX/XX/XXXX ). 
Assignment of Mortgage XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from The Secretary of Housing and Urban Development, Assignor, to Bank of America, N.A., Assignee, recorded XX/XX/XXXX ) - attached. 
Mortgage Release, Satisfaction - XXXX XXXXXXXX ( Mortgage Release, Satisfaction, and Discharge, dated XX/XX/XXXX, filed by Bank of America, N.A., Mortgagee, recorded on XX/XX/XXXX ) - attached. 
Rescission of Satisfaction - XX/XX/XXXX, by Bank of America, N.A., to American Reverse Mortgage ( shut down, out of business ). 
There is a huge discrepancy in which Bank of America, N.A., has not properly, ethically and with transparency communicated to XXXXXXXX XXXX on the rescission of satisfaction. Given the facts that Bank of America has been clear that the reverse mortgage located at XXXX XXXX XXXX has been satisfied. In addition, there is email communication and recorded phone calls between Bank of America employee ( s ) and XXXXXXXX XXXX that the reverse mortgage was indeed satisfied and paid off. 

We need Bank of America to be investigated for unethical practices and violating compliances with Federal law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On or about XX/XX/2023 my holding company XXXX primary accounts accepted payment of XXXX dollars through PayPal services.for services rendered in the DETAILING of a R.V. PayPal without or prior notice decided to put a hold XXXX dollars of my money.after taking there For 30 days. Claiming I have maid more than XXXX in XXXX month. After spend most of the day trying to contact a real customer service person and dealing with there chat box AI. I decide to file this complaint. Paypal is not a policing agency and what they have done is the equivalent to myself cashing a check and the business take there fee then informs me they are keeping a portion of my money for 30 days for whatever reason they can think of. Do you understand the interest alone not including loans repayments if they do this to thousands of people.I need my money and they have no rights to do this XXXX illegal act. Usually I use XXXX  or XXXX  XXXX  just so happen this customer wanted to use PayPal.this company should be investigated by the FTC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information present on my credit report, which I reported to Experian on XX/XX/XXXX. As of this date, I have not received any response from Experian in regard to the concerns I raised. I hereby provide a comprehensive account of the inaccuracies that necessitate immediate resolution : Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : This account has never been overdue. I request that Experian correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that Experian rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that Experian correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that Experian rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I request that Experian correct this inaccurate information on my credit 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 2023-08-28 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX I paid off my statement balance completely. The company is currently charging interest on the balance that is charges in the current statement period. They said they are charging interest because I havent paid off my statement balance for 2 months in a row. Prior to recently I have always paid my balance in full each month, but because in XXXX I had a balance that didnt get paid in full even though I paid off the entire balance by the XXXX statement close date they are now charging interest on the purchases made after XX/XX/XXXX, computing charges based on an average amount of balance from the prior month. I called them to request that they waive the interest on this and told them that I was not aware of this policy and that I find it unacceptable to be charged interest for a balance that was already paid in full. This is crazy. Please take action to stop this abusive predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
I refinanced my student loans from Edfinancial XXXX XXXX XXXX XXXX ( XXXX ) and the funds were disbursed from XXXX on XX/XX/2023. Since then I have been constantly communicating with Edfinancial about why they have no processed the loan payoff from the refinance yet. All the information that they have provided me is that they have not received the payment & have not processed it yet. 

With payments now being due on the Edfinancial loans, they have been absolutely no help in getting this resolved when I no longer owe them these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My account at XXXX XXXX had a XXXX balance. Then on my statement, there was a charge of {$1100.00} On the next statement, a fee of {$29.00}. was charged for LATE FEE. Now my balance is {$1200.00}. The next statement. Two months later, my balance is XXXX with a credit that says XXXX and purchases of {$2400.00} giving me a new balance of {$1700.00}. I have called so many times, I could not even begin to remember the dates. I filed a fraud complaint, and they always came back saying I owed the money. This has been going on for 4 months. I am afraid that they will report this to the credit bureaus. I had an excellent payment record until this. I am a senior citizen and feel that I am being taken advantage of.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX this year, {$9500.00} disappeared from my Truist business account. Truist Bank fraudulently wired these funds out of my account they NEVER contacted me to verify that this was my transfer. The {$9500.00} simply disappeared without my knowledge and without my consent. I am desperately trying to get my money back! I have spoken to over 20 Truist employees, in-person and in my local bank. I emailed the CEO of Truist who promised he would look into this, but nothing has come of his promise. I visited my local branch with a lawyer who was told that the Truist Legal Department would call him they never did, and I can not continue to afford a lawyer to help me get my money back. ) In spite of all the conversations and emails with Truist employees, I have gotten no answers how this money left my account. The disappearance of my money has had a significant impact on me personally. I work very hard for what I earn, and this fraudulent transfer of my money has painfully impacted me and has also prohibited the growth and progress of my business. 

Would you please help me get to the bottom of this? I am desperately trying to get answers as well as simply get my money back from Truist. 

Thank you for time, attention, and care. 

Sincerely, XXXX XXXXXXXX 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 explanation