vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: CA

Complaint narrative:
My name is XXXX XXXX and I am a consumer that know my rights. I have Been violated countless times by transunion and they have not taken the necessary steps to make sure that my credit report is factual I have disputed these account sent I. An ftc report as well as my Id and social to prove my identity and they have failed to conduct a proper investigation and or remove items. attached is proof that I sent in complaints through the cfpb. I also sent them these documents certified mail and they did not attach it to my credit file. 

Also another account that I disputed is XXXX XXXX is now duplicated on my credit report with different late dates balances and everything. They said that verified this and even put it in the comment section then added a duplicate account with conflictual information and the same account number. Attached is a copy of my credit report that shows that they have violated my rights under the fcra and has blatantly ignored my effort to correct such information. 

Accounts thats attached on the ftc report include XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights be reporting 60 days late however this account was paid and full and closed on the month they said it was late and that also shows on my credit report I demand that these items are removed

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 2023-03-03 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: RI

Complaint narrative:
On XX/XX/2023, we contacted Chase by US mail describing in detail a problem we had with a purchase from XXXX XXXX. In short, the product had substantial defects and was missing parts that made it impossible to build ( this was a toy you had to carefully build before it could be used ). In our letter, we described how we made several attempts to obtain the missing parts from the vendor and asked to return the item for a refund. The vendor never responded to these requests. We disputed the amount of {$75.00} for the items. Chase sent us a form several weeks later requesting additional information, which we filled out completely and submitted back. 

Also on XX/XX/2023, we contacted Chase by US mail describing in detail a problem we had with six purchases from XXXX - XXXX. In short, we paid for software assistance however it ended up being a scam and we received none of the services purchased. The vendor verbally threatened me and my business and ceased responding to requests for a refund. We disputed the full amount of {$560.00} for the six purchases. Chase sent us forms several weeks later requesting additional information, but only for two of the six purchases. We filled out the forms completely and submitted them back. 

Today we received letters from Chase regarding these purchases indicating that they " found no evidence of a billing error based on our research and the information available to us. '' However, Chase made no attempt to contact the vendors or verify the claims in our disputes on our behalf. Additionally, the nature of the disputes are so egregious clearly warranting a refund that it is unlikely the vendor would even respond to a dispute if brought to them. Chase is in violation of the XXXX, having made no investigation into our claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX - XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX has violated my rights . 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX - XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights . 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is currently showing 120-149 days past due, Equifax is currently showing 180 days past due and XXXX  180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the Credit Agencies ( XXXX, XXXX, Equifax, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. XXXX, Equifax and XXXX are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX Regulatory Compliance and is now a part of the contract on how reporting is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX is currently showing 120-149 days past due, XXXX is currently showing 180 days past due and Experian 180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the XXXX XXXX XXXX XXXX, Experian, XXXX, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. XXXX, XXXX and Experian are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX XXXX XXXX and is now a part of the contract on how reporting is conducted.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2023 I applied for credit with BARCLAYS and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a violation of U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use credit card 15 USC 1602p. ) The Card applied for was a BARCLAYS Frontier Airlines Mastercard with a {$50000.00} credit limit and XXXX flyer miles.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
This problem refers to Chase Amazon credit card and XXXX XXXX credit card online payment processes. 

I noticed for the first time ( I have paid online for decades ) that the payment amount choices presented while paying online have changed. 

These changes are potentially confusing to consumers. 

I suspect the changes in payment choices are designed to trick consumers into not paying their credit card balance in full and thus accruing interest payments. 

These are the changes I found on XX/XX/2023 while paying my bills : The simple choice of " Statement Balance '' as a payment amount has been eliminated. 

Now there is a " Remaining Balance '' choice after a " Minimum Due '' choice.

If the consumer does not pay attention and thinks " Remaining Balance '' is the same as " Statement Balance '' and does not notice that it is not the entire statement balance appearing on the current statement bill which the consumer is attempting to pay, then the consumer will have a balance due and owe interest on the mistakenly unpaid amount.

On one of the cards, the " minimum Due '' plus the " Remaining Balance '' did not even add up to the statement balance on my current statement.

I paid the statement balance in full by putting that amount in the " Other Amount '' choice.

Credit card companies need to return to listing " Statement Balance '' as a payment amount choice for consumers paying their credit card bills online.

The changes appear to be an attempt to trick consumers into paying less than their full statement balance and thus accruing interest because the choices are confusing.

Clarity and transparency in consumer financial transactions are vital to protect consumers from fraud and deception.

What I have described above is a deceptive practice by Chase and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a Citizens checking account under a promotion that was {$300.00} for a direct deposit of XXXX XXXX in 60 days and {$2.00} for every debit card purchase in 60 days up to {$100.00}. 

I fulfilled the direct deposit requirement on XX/XX/XXXX where I received a {$500.00} direct deposit from my employer. 

I was told to wait until XX/XX/XXXX for my {$300.00} bonus to post. This bonus has not been deposited in my account. After escalating with Citizens representatives, I still do not have the promotional bonus I am entitled to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I was contacted by XXXXXXXX XXXX  who i have no business with and the notified me they were collecting a debt from a XXXX int purchase who i have no business with either. the representative advised me that he was a debt collector on behalf of XXXX XXXX a subsidary of XXXX int purchase. I have not given any information or giving any company the right to share my personal info social security number and telephone number. Aware of my rights as a consumer and natural person under the FCRA. These XXXX comp [ anies per representative who contacted me are Fortiva who shared my info with these XXXX companies without my knowledge or consent. 
I have asked fortiva in a previous complaint not to share my info in claim # per 15 USC 1681 section 602 A. states I have the right of privacy which for the second complaint been violated. 
I am asking for a remdy of {$1000.00} per violation. 
this has caused me extreme anxiety since i was a victim of fraud previously and have XXXX children who count on me and these calls and requests are alot to handle and manage my life due to these pressures and egregious attacks on my name, credibility and ability to maintain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXXXXXX XXXX XXXX man who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.

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 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XX/XX/XXXX, I had an item listed for sale on XXXX XXXX when I received a message from a lady that she wanted to buy the item. She told me that she was out of town and her daughter could meet me to pick up the item. I told her thats fine but she would have to pay me first or pay me when I met up with her daughter. The amount she owed me for the item was {$130.00}. She agreed and recommended using Zelle. I agreed and the lady asked for my information to pay me. Once I gave it to her I received a email that looked like it was from Zelle saying I had to upgrade my account because the amount of money was over XXXX . Right away the lady sent me a message as well and said she got a email saying the same thing and that she could not send the money before I upgraded my account. She said if I upgraded she would pay for it. I received another email from XXXX XXXX  XXXX saying I had to pay government fees as well. I followed The links on the email to pay. The first payment I made was for XXXX for the upgrade fee. the second amount I paid was XXXX for the government taxes. The government taxes email said I had to pay XXXX but I only had XXXX left so that is all I paid. Before I sent these payments I did ask her if we could use another form of payment because I didnt have the money to pay. The lady said that she would pay me back for them but I would have to pay them first. I did notice after the ladys name was different from XXXX to Zelle but the emails from zelle and the bank appeared very real. Once my mother reviewed my bank account we realized this was fraud and I was scammed so I blocked my zelle account on XXXX XXXX  and changed my passwords. I contacted XXXX XXXX  and Zelle on XX/XX/XXXX and reported this fraud scam and filled a dispute. I received a letter from XXXX XXXX  stating the dispute was denied and I would not receive my money back. I called them on XX/XX/XXXX to find out why and they said the dispute was denied because I authorized the payment. I told them it was a scam and fraud and that I received emails from Zelle and the bank that looked real prior to submitting the money. They said it did not matter since I hit the send button. I told them I had kept all the emails and they did not even ask to review them prior to making a decision. They were not able to tell me what their investigation consisted of and if they found the people who competed this scam/fraud. They were not able to give me that information and kept transferring me to the Zelle fraud department and no one ever came to the phone. It would put me on hold and just hang up after several attempts. I asked them why this was not covered under regulation e and they said I authorized the payment and it didnt matter if I was scammed into it. They said I was at a loss Of my {$320.00} and {$70.00} dollars that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I received an email from Bank of America stating an account was opened in my name. I contacted them as soon as I woke up and saw the email regarding the fraudulent account. I was told that it was closed and that was it. I received an email about a week later entitled Check Fraud and Digital Claims and the email looked suspicious asking me to send a copy of my social security card, social security statement, my identification, mortgage/lease statement and other personal information. I co tasted Bank of America and after 2 hours was not able to resolve this issue. They don't want to confirm if the account is closed and are acting like they can't tell me if there has been activity on this account that was opened in my name. They won't answer how or why an account could be opened in my name without them verifying my information or receiving a deposit. I would like to file a complaint on Bank of America because this business practice is not fair to consumers. I have a block on my credit and now a block on XXXX. I feel like they are not doing their due diligence to protect consumers from fraud.

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 2023-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc
State: CA

Complaint narrative:
I paid for a home appraisal with Intelliloan and it was done. I had another mortgage company ( XXXX XXXX ) come in with a lower interest rate. I then I asked Intelliloan to transfer the appraisal to XXXX XXXX. They refused to do this saying that their company policy was that they only transfer FHA or VA appraisals. I think this is outrageous because I paid XXXX dollars for the appraisal. It is mine, I paid for it! Since they wont match the offer, there is no reason why they should not transfer my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
To Whom It May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation