vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX, received a phone call from chase stating my business bank account has been compromised and a wire transfer for {$5000.00} has been made. After receiving that phone call, I told them let me call chase since chase never calls clients. I called the number on the back of my chase banking card, at this point I noticed the number that called me was the same number as the number on the back of my bank card. After being connected to a chase representative due to calling the number on the back of my bank card, they did inform me that a wire transfer was done for {$5000.00}. The person who is a chase representative then told me that in order to avoid over drafts you need to transfer money from my personal account to business account. Once that is completed we can do a wire recall to get the {$5000.00} back. After completing the recall I was told to wait XXXX hours and check my bank account the next day. On XX/XX/XXXX I went back into my bank account and noticed another wire transfer for {$4200.00} went out. This {$4200.00} was transferred into my business account to cover my upcoming bills which I was told to do by the chase representative. Now with {$9200.00} gone I went to the chase branch and spoke with the branch manager to resolve this issue. I was told by the branch manager since its a wire transfer, we have to contact the recipient bank to get your money back but the recipient bank may not give it back. After completing claims with chases fraud and scam department they kept telling me it will take XXXX business days to hear anything from the recipient bank. It has been 7 months now and I still don't have the funds back. I have filled complaints with the Office of the California General Attorney, FBI, and had a lawyer send chase a letter to responded back to. Took Chase a month to respond to these complaints. Chase response was that I was scammed and there is nothing I can do about it. Chase said I approved these wire transfers which is not correct. These wire transfers were not authorized by me and the scammer took over chases phone system, text message system, and duplicated chases phone numbers. I have documentation showing that the scammers duplicated chases system by text messages and phone calls. I even have claim numbers with the fraud and scam department I will attach to this document. I have information of the recipient bank which was XXXX XXXX out in Texas and account numbers of the recipient. Once I found out it was XXXX XXXX who received the funds I went down to the branch because I was told the Wire Transfer was made in my name to a XXXX XXXX bank account in my name. I do not have a XXXX XXXX bank account and when going to the branch to have them look into that account they told me I do not have an account with XXXX XXXX. Therefore, the result I am looking for is to get my funds back in order to keep my business up and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did a pledge Loan with XXXX XXXX XXXX XXXX, and they dropped my scores for no reason I lost XXXX points on Equifax. 

I need an explanation ; I haven't even made payments yet. 

I did a pledge loan for {$2000.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Thursday, XX/XX/23 I went to XXXX to buy a XXXX gift card for online use because I only had cash. I loaded it with XXXX. The same night I was trying to purchase something on XXXX for XXXX and the money wouldnt go through, so i kept checking on their website on securespend.com. It said at the back that I had to wait XXXX before it could get activated, even though the website says it has been activated, so I did. While waiting i kept checking their website to see if the balance changed and the money went through, but no changes. then earlier this morning Friday, XX/XX/23 their website wouldnt let me in anymore. After waiting for more than XXXX, I called the number and then asked for a live teller. The teller asked for my name, card number, expiration date, how much was on the card, and XXXX digit number at the back of the card. After this they said my card is on hold because it has been compromised. I told them no it has not been compromised because its only been with me, but they insisted that it may have been so they decided to get a replacement card for me. They then asked for my address and said it will arrive in XXXX business days. I said a month was too long and so they said i could get it in XXXX business days. XXXX writing this complaint because I do not have an ounce of trust that I will get that card in XXXX business days. The teller that answered me had an XXXX accent, and they could not give me enough information to satisfy and give reason on what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: MI

Complaint narrative:
I noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account 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 2023-12-02 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: AZ

Complaint narrative:
I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from XXXX because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NY

Complaint narrative:
Per offer term, The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, or Platinum Business Checking account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance. 

The account was opened on XX/XX/XXXX and the last calendar day of the month all requirements were completed is last day of XXXX. It has past the deadline for bonus deposit. 

Please kindly advise.

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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
correct and update this billing error

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 2023-12-02 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: MI

Complaint narrative:
Unauthorized charges on my XXXX XXXX and report hard inquiries

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The date of the incident was XX/XX/XXXX I got a call on XX/XX/XXXX from the fraud detection dept of my bank wells fargo, in regards to two transactions made on two of my accounts, one was joint checking account with my husband, which we took me out of the joint account for this was something that we were going to do anyway, for I have my own cheching account, which is the second account the got an incident. Someone from LA went to wells fargo there and made a cashier 's check with my info, and before that he/she accessed ny online banking and transferred money from the joint account ( previousley ) to my personal checking, how were that/those people able to get a cashier 's check without their identity verified by the teller/manager of the wells fargo bank in LA. How did that/those people get the cashier 's check so easily that they could have taken cash as well from the account without being verified, unless/could be that it was set it with the teller of the bank or miss checking and verifying from the teller/manager, and yesterday even after we went to the bank and closed the accounts and got new accounts numbers, the people has made many attempts on XX/XX/XXXX XX/XX/XXXX to pull more money out of the accounts, for we were notified by the bank the next day in regards to this major fraud and identity theft incident. The bank gave no info other than where it happend, which in LA and for what the cashier 's check was made for, which was for rent, but the bank gave us no info of which bank and time of incident or the name of teller or the name of the manager or the name of the entity that got the payment. We really need help. This have never hapoened with us or anyone we know before. We are very worried, anxieted and scared that they might do thar over and over with us or other people. We need our money back, the bank returned to us the online transfers back, but they told us the cashier 's check money should be back, the did not guarrenty it for us. 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 2023-12-02 00:00:00
Product: Credit reporting 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:
There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I bought this card a long while ago ( I don't remember the exact date, but it was like 2 months ago ) and it's just been sitting with a balance of XXXX $ and I haven't been able to use it it's been declined by every site/company I've tried to use it at and when i call customer service they just say it's always getting declined for my safety even though I've bought from other retailers with a different company 's sold prepaid card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; US DEPARTMENT OF EDU 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 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 explanation
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}

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 2023-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently met with local branch manager to discuss options for HELOC. I was concerned about a drop in my credit score over the last year, and a fair amount of debt. I wanted to see if I had options prior to diving into an application that would ultimately have a further impact on my credit score from a hard inquiry. The manager told me my credit score was fine, and we could proceed with application for a {$36000.00} HELOC. He was confident of success, especially as we would consolidate some of my debt. 
However, the application was ultimately declined, due to " not meeting their underwriting scoring criteria '', for the following reasons : 1. Too many recent inquiries 2. Number of accounts over 30 days delinquent 3. Insufficient mortgage credit history/not enough information The only one of those three reasons that is accurate is that there have been a few recent inquiries on my report. 
I have NO delinquent accounts showing on any of my credit reports, and Regions Bank have failed to provide me with information about these alleged delinquencies ... they refer me back to the credit bureau, which has no derogatory information. 
Also, Regions holds my mortgage loan so I am baffled as to the allegation of " lack of information ''. If they mean that I simply have not held my mortgage loan long enough, why did the allow the process to start? Again, they hold my mortgage so they knew at the start how long I have had it I approached the manager in good faith, with all my cards on the table. My mortgage information has always been available to them from the start, since the loan is held and serviced by Regions. At the very least, I should be entitled to a copy of the negative information that was reported, and the source so that I can fix any inaccurate reporting. I should not just be fobbed off and told to ask the credit bureau - who is clearly not the source of any negative reporting. I monitor my credit very closely and I have no derogatory information on my record. 

Their " underwriting scoring '' practice is very concerning to me ; I was approved for my first mortgage of {$120000.00}, by the same bank, with less than FIVE MONTHS of full time employment ( I had been unemployed for ten years prior to that ). I have banked with Regions for five years, have checking savings and a personal line of credit, all of which have been conducted satisfactorily, without as much as a late fee or overdraft fee. How do I not meet these " secret scoring requirements '' after three years of stable employment and credit, but can get more than 3 times the ask with little to no history? Sounds a bit dubious to say the least.

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 2023-12-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a Bilt card through Wells Fargo that I use the pay my rent and earn points monthly. On XX/XX/XXXX several charges hit my account that were not made by me totaling XXXX. I called and opened up an investigation and the company removed some of the fraudulent transactions but still left XXXX on the account and will not remove it after a few open claims for fraud. I contacted the merchant, XXXX and they also had no record of the charges attached to my account. They claim by answering their text messaging system asking if a purchase was valid, I am now liable for the full amount. The charges for XXXX hit my account XXXX times within the same second and it is very clear that it is fraudulent. Wells Fargo is holding me liable for a purchase that I did not make at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief