vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
They are PURPOSELY obfuscating the request to remove the Tax section of the impounds with a request to remove the ENTIRE escrow account. This is not what is being asked for. I am requesting to KEEP the impounds used for PMI, as that is required, but no where in ANY laws or state regulations can I find the requirement to force me to keep the entirety of my escrow account open. I want to pay property tax and my homeowners insurance on my own as they have shown with the attached escrow analysis they can not do it. I have had this loan for over 2 years. At this point my home value is unchanged and XXXX insurance essentially is in maintenance mode and should not change that drastically. How did they manage to XXXX that up to the point that not only am I under the amount required, but I owe more than is required to be in the account. 


In my previous complaint they ONLY make references to have the entirety of my escrow account closed. I AM NOT ASKING THAT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
The Bank of America XXXX XXXX card, knowing my credit score, gave me a card with a specific limit. I used a portion of that limit ( no where near the limit allowed ) and made large payments each month. ( Never the minimum. ) Out of the blue they dropped my limit, creating an adverse situation with my credit score by making it appear I was using a credit card to its limit - a new LOWER limit they created. As a result of this, now other cards are following suit. Because of BofA and for NO OTHER REASON, I now look like Im overusing my credit card limits. There should be consumer protection for this sort of bait and switch XXXX. Dont give people cards with high limits and then drop their limit after they use the card. This has a bad effect on their credit score completely perpetuated by the companies giving out cards like candy and then XXXX the consumer. I did contact the company twice to request they raise my limit and they have refused. I now hate them with the force of a XXXX suns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion Credit Reporting Agency, This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened aXXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account # XXXX, an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal charge card account opened at XXXX on XX/XX/XXXX XXXX the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, and a debt buyer account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Affidavit # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
Please confirm in writing that the aforementioned fraudulent information has been blocked and provide me with an updated copy of my credit report. I thank you in advance for your rapid response to this matter. 
Note : Do not response back that the company needs time to process this matter. As it will be taken as causing harm as it will be. In which it will result in legal actions requesting compensation relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-06-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen/misplaced. 

And my debit card with Chase was used 6 times for a total $ amount of {$430.00}. These transactions were not authorized.

I reported this to Chase immediately as soon as I saw the email about weird transactions on my card on XX/XX/XXXX, and it was resolved as of XX/XX/XXXX. 

But now on XX/XX/XXXX, they send me a letter saying the transactions were authorized by me. Which they were not authorized by me nor was my pin used to process the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I asked Target for help on XX/XX/XXXX. My bill was a little over {$4500.00}. 
This card has been closed since XX/XX/year> when i found fraudulent activity and reported it. My balance after a payment of {$190.00} in XXXX was {$4700.00}. 
I endured months of asking CFPB to help me with Target who claimed i had returned payments on my account and made charges that were not mine. 
My balance even though i paid never went back to what it should be at {$4700.00}. 
I spent 9 months still paying to this account $ XXXX with over now {$1500.00} in interests fees. 
I pay and the balance goes up. 

On XX/XX/XXXX after finding out my home 's owner wanted me, my senior parents and daughter to move out so she could sell i calked credit cards to ask for help. All i have is my credit score.

When i called Target the representative said other credit cards can help but that doesn't mean they should. 
Today XX/XX/XXXX i called back to see if they would help after i contacted CFPB to help on my behalf. They only increased my payment and when i asked for help there was none. 
After much tears and defeat i borrowed from my retirement unwillingly and paid the over charged credit card balance. At least with my retirement i have less interest and 5 years. And way less stress and over charges. 
My balance last XX/XX/year> was XXXX. I paid every month on time more than the minimum ( $ XXXX ). When i needed help nothing could be done with added unkindness ). 
Please CFPB confirm with them my account is paid in full and closed and erase me from their database forever. 
I wish i had some help. 9 months of just taking my money. I have not used the card since XXXX to help my daughter with the dentist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
XXXX & XX/XX/XXXX I requested an investigation of incorrect information and report of the Omni account Multiple times with the wrong information where I did not take out those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit 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: CA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX : {$230.00} at XXXX XXXX in XXXX CA. 

Regarding security concerns with Chase credit cards. 

Recently, I experienced a concerning situation with my Chase Sapphire Credit Card. Even though, I had the physical card on XX/XX/year>, on the same day within an hour, my card was used physically at two locations 150 miles apart, as per Chase I have made both the transaction. 

But I have only made one transaction and another transaction is a fraud transaction. 
As per Chase, as I did not report all the transaction on that day as fraud, they will not accept my fraudulent request, and they claim the card was used physically at both the locations by me, which is practically impossible. 

And their tone has been like I am lying about the situation, and I have made the transaction. But in reality, I have never been to XXXX XXXX or XXXX CA, in my entire life. If required, it can be verified by my location history. 

However, Chase declined to reverse the charges. Every time I call them, they delay it saying, they will investigate it again in 15 days. Also, they do not agree on sending all the information via email. 

I asked if I could communicate with the concerning decision-making person to understand the technical aspect in decision making, but they denied by request. 

I feel this is a serious security concern with using the Chase Credit Cards.

Additional questions I have are : - Should the Chase investigate how the same card can be physically present at different locations simultaneously?

- How can the customers provide proof that they didn't make certain transactions?

- Instead of being honest, should customers consider reporting all transactions on the same day as fraud to avoid situations like this? 
- What if this transaction was a huge amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently tried to delete an address on my report that I never lived at and experian deleted my actual address instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Multiple reporting for the SAME card. When this happens, general purpose and store cards are contributing to the REAL debt already reported. As a result, debt is a HIGHER INCORRECT amount and I am at risk of only being offered high interest rates on everything I apply for or being turned down on all applications. How can anyone trust their score to be correct when errors like this continue to happen? NOT happy!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Supposed to receive XXXXXXXX XXXX annuity payments from XXXX while in XXXX person working for State of Washington States my birth name on my birth certificate was an alias then XXXX all my XXXX XXXX XXXX XXXX, every thing in recent documents I have recently obtained dated back to XXXX XXXX one after on XXXX XXXX letter from XXXX XXXX stating that did not qualify for any state pay out or XXXX XXXX due to Citizenship, property, resources, income, now he used 6 variations of spelling of my name sent in as credit reports then used against me, stating owed XXXX XXXX all XXXX contacted all XXXX credit reporting agents except all the names dont have work history Identification social security XXXX, or monthly income they don't except that I have to verify there Identity, its impossible they dont exist, received notification from the XXXX XXXX XXXX XXXX XXXX XXXX if I accessed my Account from Virginia, was receiving payment from XXXX XXXX XXXX on XX/XX/year> no longer any payment have not been payed in 17 months have to go through XXXX XXXX they say in XXXXXXXX XXXX, recently looking in to matter XXXX is located in XXXX my card come from XXXX XXXXXXXX XXXX with same bank route number as my so called client Id with the State of Washington.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
My so is in the hospital and he will die without the immediate medical procedures required. NFCU has locked/blocked all access to my accounts, why I do not know. For 4 weeks he has held on as we wait for the procedure. We have more than enough money to pay for the care but they will not allow us to access any of it. 
-Oversea transfer request denied even after phone calls assuring it would happen - Credit cards all blocked and cancelled - Locked out of their website/app Our little boy is dying and they will not do anything! They will not even call us to tell us why.

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 2024-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
Requested an HSA refund from my HSA account -- this to comply with Medicare Part A eligibility. I used the transaction history provided by their site to specify the amount of refund and provided them with the forms they requested ; I submitted these forms on XX/XX/XXXX. They sent checks with the wrong amounts that can't be reconciled with the transaction history they provided. I have not cashed these checks because I want the amounts corrected. Today is XX/XX/XXXX. I have contacted them several times about this and each time they tell me they need 3 to 5 business days to review and resolve. I never hear back. I have also sent a certified letter to their mailing address. I hold their checks and await their instructions, but no instructions are forthcoming. 

DOCUMENTS attached : Consumer Complaint Confirmation from the Federal Reserve -- XXXX XXXX -- XXXX of form submitted to bank XXXX -- XXXX of form submitted to bank HSA_OVER_Contributions -- EXCEL showin how I calculated amounts HSA Withdrawal Dispute -- WORD doc sent to back via registered mail Transaction-Export -- CVS file of my txns downloaded from their site HSA Transactions with errors marked EXCEL of above CVS file with errors marked. 


Optum Bank has received all these documents from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( Equifax ) to removed the bankruptcy off my credit report & they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Multiple reporting for the SAME card. When this happens, general purpose and store cards are contributing to the REAL debt already reported. As a result, debt is a HIGHER INCORRECT amount and I am at risk of only being offered high interest rates on everything I apply for or being turned down on all applications. How can anyone trust their score to be correct when errors like this continue to happen? NOT happy!

Company response to consumer: Closed with explanation