vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: NY

Complaint narrative:
This is XXXX XXXX with a dispute against consumer reporting agency - TransUnion. TransUnion is reporting inaccurate information- ( inquiries ) onto my consumer report that needs to be deleted immediately pursuant to 15 USC 1681e ( b ). I did not consent to nor authorize any of the following inquiries that are reporting onto my consumer report. I want them deleted immediately.

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 2023-11-10 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
I had an account with Fortiva Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. Fortiva did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

So, I request CFPB to help me resolve this issue since creditor has not at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Our XXXX payment feature has disappeared without notice or reason and we do not know who is to blame, as both Citizens Bank, XXXX and XXXX blame each other. 

Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I ask him well over 6 months ago to verify the account with proof of contract with my signature by law they have to provide it or delete it off my credit. They are breaking federal law and nobody has hold them accountable

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 2023-11-10 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: GA

Complaint narrative:
JP Morgan Chase Bank refuses to refund the unauthorized amount of {$210.00}. This Complaint relates to previously filed Complaint XXXX. Chase response and the merchant 's responses are attached. Merchant ( XXXX  ) confirmed that refund processing time depends on the financial institution ( Chase ). 
I reported fraud earlier to Chase and changed my debit card, later I closed both checking and savings accounts with Chase. Chase reverted the charges earlier, but for some unknown reason decided to deduct this amount again despite the evidence, written confirmation from the merchant to me confirming unauthorized activity, and refund of all charges. Chase however in response to the previous complaint requested my XXXX and XXXX billing statements from the merchant which is a violation of my privacy rights in that particular case. I request Chase to submit written evidence of the merchant 's response to prove their diligence and ability to conduct an investigation. The person who contacted me - XXXX with the phone number XXXX x XXXX - never answered the phone after the bank provided a written response to the complaint ( attached ). I demand a refund from the bank, as the refund was issued by the merchant, but the bank processed the transaction at its own discretion after it was reversed once. The confirmation email from the merchant clearly states that it depends on the financial institution!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : XXXX XXXX - XXXX I've called customer service in times past asking for notifications BEFORE my payment. Since I've called customer service I've not received notifications. As a good paying customer ( and I am ) please ensure I receive notifications prior to payment due date AND I need the billing statement prior to payment due date. This is a requirement of the creditor. If the creditor would work with me I would not have a late payment on my account.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My loan was transferred from Sallie Mae to Navient before 2010. At that time I was a XXXX year teacher before there was a PSLF  or it was never mentioned. I sent Navient about {$200.00} as it was all I could afford as they were forcing me to make over a {$700.00} dollar loan payment. They put my loans in default because I wasnt sending them the full amount, we call this predatory. I was then billed for over {$700.00}, which as a teacher I could not pay, so year after year instead of letting me pay what I could they kept putting my loans in forbearance and my high interest made my loan even more expensive. They were relentless. In Georgia where I was living navient settled a class action lawsuit where I should have been part of, but was not for some reason! Now XXXX has me back in repayment but you can never reach customer service. They also have information incorrect in the system which affects my PSLF loan forgiveness, which should have occurred in the class action lawsuit by the state of Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A auto mechanic charged me over {$5200.00} claiming they did work. They did nothing to the car and I had two other mechanics verify this. I provided this evidence to Chase Bank and they only temporarily overtured the charge only to reverse their decision later on siding with the mechanic who falsely charged me for {$5200.00}. 

I provided photographic evidence, written statement, and receipts even showing me they charged me for the wrong parts. Chase did not even contact me after the fact of sending them this information. They did not even inform me by phone that this was denied which caused me some temporary financial issues. ' I also have high resolution photos to prove my case showing the dates on the installed parts. Chase never discussed the suspiciousness of this ever with me. 

Also the receipts I provided says they installed XXXXXXXX XXXXs, which are yellow and clearly not on the car, the mechanic later said oh no we installed " refurbished '' originals. Chase also didn't seemingly care about this lie and false representation. 

I have a PDF with photos and photos that exceed the XXXX limit that may help with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: MI

Complaint narrative:
XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
On XX/XX/XXXX, I had about XXXX XXXX ( value XXXX USD ) in my TrustWallet ( XXXX ). 
My ... entire life savings. 
That day, the TrustWallet software presented a transaction to me as having a cost of XXXX XXXX In reality, thieves managed to trick the Trustwallet interface ( a bug! ) and drained ALL my life savings, a few lesser valued coins notwithstanding. 
I am XXXX now, and I feel my life is ruined. Ever since, I don't sleep. 
I wrote to TrustWallet. To no avail. My first reaction was of course to write TW, in XXXX. They did not propose a settlement at the time. They wanted to know everything from me to address the bug and then... left me with all the damage. It is why I had to escalate. I went to the XXXX XXXX police with this, and my lawyer. 
My lawyer investigated TW and found it they are open to " Arbitrage '', in California. Something I was unfamiliar with, as a XXXX. 
In an attempt to avoid lawsuits and sort this in friendly manner, my lawyer then pointed me to you to give TW a chance to solve the matter fairy and amicably.

If the real damage has to be claimed ( co
nsequences of the theft ), it is going to be factors more so I hope TW will take ownership of the bug in their Software and take responsibility for the disastrous consequences at my expense.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Called Wells Fargo requesting information on a charge to my account had the agent be very rude. Over talk me and hang up in my face on XX/XX/23 around XXXX. I never got the information on why a dispute was denied because of rude  XXXX  agent.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute erroneous personal information and unauthorized inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
I, XXXX XXXX, have been a victim of identity theft, and as a result of the Louisiana Data breach, all of my personal information and credentials have been exposed. I do not have an account with XXXX XXXX XXXX, and my credit report reflects inaccurately. There is an inquiry on my credit report that does not belong to me due to identity theft, and I have no knowledge of it.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers reporting on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-11-10 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: OR

Complaint narrative:
illegal hard inquiries and use of my Social Security Number 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 explanation
Consumer complaint received 2023-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On my Capital One XXXX XXXX XXXX Statement there were XXXX charges I did not make. XX/XX/XXXX and XX/XX/XXXX, both for {$130.00} at XXXX XXXX XXXX VA, XXXX, XXXX. I contacted Capital One and they said they said they would launch an investigation. On XX/XX/XXXX I received a letter that said there was insufficient evidence of fraud.and I was responsible for the charges. When I called again they told me it had to do with the chip on the credit card.I think they could have put more effort into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I initialed an ACH transfer from XXXX XXXX to Usaa Fed Svg Bank of {$10000.00} on XX/XX/2023. As of XX/XX/XXXX the money has not been posted to the USAA account and USAA can not give me anything in writing that I reported the lost money. 
XXXX XXXX has provided the control number to research the transfer which I gave to USAA on XX/XX/XXXX. USAA can not locate the transfer and can not provide information. 
Control number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$520.00} {$620.00} is the balance now as I opened with a XXXX deposit. There was promo for XXXX if I made a direct deposit from outside ( ACH ). I would get the bonus in 104 days. It's now XX/XX/XXXX, well past the XXXX days period to get the bonus. I called 2x and each time the rep was very helpful and stated that they had to send it to a person in a higher position. That after holding over 30 minutes each time. They said I would get a call in a few days. Calls never came. Email never came. Voice messages never came. I sent 2 secure emails from their web site and just got a standard answer telling me to call. They advertise the bonus of XXXX and I met the requirements. here is their ad... 
Locations " Get a cash bonus up to {$350.00} XXXX  : /XXXX when you open a new checking account. 

Come for the bonus. Stay for the service. 

Build a lasting relationship with a bank you can count onand get a cash bonus up to {$350.00}. 
A woman smiling and looking to the right Hurry! Offer expires XX/XX/XXXX. 

XXXX ways to get started {$250.00} Cash Bonus My Community Free XXXX Simplified Checking with no monthly service fees! XXXX APPLY ONLINE OR OPEN AT A BRANCH {$350.00} Cash Bonus My Community Interest XXXX Checking that earns interest! 
Monthly maintenance fee waived with a daily balance of {$500.00}. 

APPLY ONLINE OR OPEN AT A BRANCH How to get your bonus XXXX Choose your account. 

Open a My Community Free Checking account with {$1.00} or more or a My Community Interest Checking account with {$100.00} or more. 
XXXX Meet these requirements. 

Maintain an average daily balance of {$500.00} or more for the first 90 days. 
AND Have XXXX or more direct deposits ( ACH credits ) totaling {$500.00} or more in the first 90 days. 
XXXX Get your bonus! 

You will receive a bonus credit in your new account XXXX - XXXX days after the account 's initial funding. 

Both accounts come with Man standing near a window XXXX XXXX ATMs Man standing near a window NYCB Online and Mobile Banking Man standing near a window Unlimited check writing Man standing near a window Free NYCB Debit Card Why bank with us? " I I kept XXXX in the acct for 90 days. It also says you can open the acct online for the XXXX bonus. I need the XXXX! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Goldman Sachs is reporting a late payment on my account. This late is from XX/XX/23. 
I thought I had this account on auto pay but unfortunately was not. This late payment was an oversight. I am asking that you please make this one time good will adjustment to my credit file. I have been working on it for years and I saw a significant decrease in scores from this XXXX late payment. Please remove the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and how is this possible if I do not have this?? I do not know what XXXX XXXX XXXX is because I have never heard of this industry. What is XXXX and they inquiried on XX/XX/XXXX? 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
Please Delete this inquiry XXXX XXXX XXXX XXXX XX/XX/23 done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.

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