vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I went to see a home for rent at XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, from a XXXX add. The guy name XXXX XXXX XXXX called me and stated that I can go see the home. He texted and stated that the rent was going to be all bills paid for {$900.00}. He told me to send the deposit of {$600.00} to XXXX  XXXX but it went through then he stated to refund it then send it to XXXX. He also tried to send the money to XXXX, he also provided me with another phone number XXXX. He asked for {$60.00} per adult that was going to be on the application, so for my XXXX children, I sent {$120.00}. Someone pulled up and he stated that it was someone else that was trying to see the home for rent and told me to secure the rental I needed to pay the deposit. After leaving, I felt kinda funny so I did some research and found that the residence was being rented by XXXX. I called XXXX and they told me there is no one by those names working for them, so I immediately called my bank to file a fraudulent transaction. Since that day I have filed a police report and my bank has denied my claim 7 times. One of the managers hung up on me. When I first filed I was not told I couldn't until I got XXXX a manager on the phone who told me that because it wasn't a merchant I could not file. Then I spoke to someone on chat that told me that peer-to-peer is like cash and I can't get it back. However, when I stated I sent a policy report they advised to send me the report and not just the number. I filed my report on XX/XX/2023 case number : XXXX. I still have the text messages and the fake lease the perpetrator tried to send me to sign. I believe that the scammer has someone working in the fraud department of the bank who keeps denying my claims. The bank can retrieve my money back from the person I sent my money to and make them responsible but is doing nothing but letting the scammers go!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My rights has been violated actto the FCRA. 
I have disputed this account several times with the credit bureau so here is my identity theft report please have this account removed its called XXXX XXXX XXXX 15 U.S.C 1681G Law Violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: IL

Complaint narrative:
On XX/XX/2023, I received a phone call from a person stating that they were from XXXX XXXX department and that there was an account that was associated with my name and social security number. They also stated that there were several bank accounts that were opened in my name. They apparently connected me to XXXX XXXX XXXX department and advised me to take money out of my account and open a digital wallet account in the amount of {$6600.00}. I proceeded as directed and was asked to go to XXXX XXXX XXXX XXXX Illinois XXXX to open a digital wallet. After returning home and calling the Bitcoin Depot customer service, there was no way that the account was able to be associated my personal information. The next morning, I called Bitcoin Depot customer service, and they advised that I was scammed. I have to go through social security through a long-drawn-out process to secure my identity and privacy. I also contacted the police and reported the fraudulent scam that I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: NH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am writing to address a deeply concerning and inappropriate incident that occurred in relation to my car purchase at XXXX XXXX in XXXX, Ga dealership. My intention is to bring to your attention the unprofessional and deceptive conduct I experienced, which I believe reflects poorly on your establishment 's values and practices. 

As a recap, I visited your dealership with specific requirements for my vehicle purchase, including a maximum APR threshold and the inclusion of full Gap coverage. Regrettably, these requirements were not upheld, and I was left deeply dissatisfied with my experience. Exeter Finance is the company that they financed me through but told me I had a lower APR and gap coverage but after 3 months I found out it was all a lie. 

However, what transpired afterward has left me both shocked and disappointed. After 2 months an individual from XXXX XXXX XXXX drove a considerable distance of two hours, in the middle of the night, to surreptitiously place the necessary paperwork from Exeter Finance in my car. While I acknowledge the effort made to rectify the situation, this action raises serious concerns about the transparency, honesty, and ethical standards of your dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Bank has violated 15 USC 1681 s-2 ( e ) 8 Responsibilities of Furnishers to consumer reporting agencies ( duty of person after receiving a dispute ) Chase has frivously closed the dispute as a " duplicate '' through the cfpb portal which is false. The previous dispute or complaint was in regards to inaccurate reporting. This complaint is relating to my privacy rights. 
After checking my credit report I found an account listed from JPMCB Card Services where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally Bank has placed repeated holds on my account and says they can not remove them for an XXXX transaction and some debit cards transactions. 

This has been an issue traveling abroad in XXXX, but has persisted in the United States. 

I am back in XXXX after returning to the U.S due to this issue and can not pay for housing or food or transportation while this issue remains in effect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank refunded and the sent back an ACH transfer for an overcharged amount. 

I disputed a transfer to XXXX XXXX XXXX for a breach of contract, warranty of habitability and retaliation issue. The bank has said they only cover overcharge issues, but did not contact me for the information related to my claim. 

No forms were mailed to me as was mentioned by phone on two separate disputes. 

The fees are an overcharge, but this claim was filed incorrectly by the agent on the phone. I had pay rent in full and left the property. There was a number of fraudulent charges added to the account the funds were sent to. The money sent was not being applied to any balance owed over fees were placed on the ledger. 
I view this as a fraudulent, but under the banks terms this should fulfill an overcharge claim. 
They've chosen to file the claim as a breach of contract and ignore this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received 2 different XXXX XXXX cards in the mail. When I called American Express to activate one of the cards, the representative confirmed that I would get the bonus points after the {$4000.00} spend. Again, after doing the {$4000.00} spend, I called Amex and once again was told that I would get the bonus points and to wait 8 weeks. After waiting 8 weeks, I called again and was told that I would receive the bonus points and this would be escalated. 

Despite this, American Express is now claiming that it does not matter what American Express told me previously, they are not going to honor what they told me. 
I have escalated to the CEO level XXXX XXXX and still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Every since my continuous complaints about Santander Consumer USA reporting incorrectly about my account being late with missed payments as accurate and up to date. 

My credit and personal information and all of my personal information has me as a victim on the dark web. The dates of activity with the dark web also coincides with my reports and complaints about Santander Consumer USA. 
I've placed a yearly fraud Alert. Being that I'm unsafe with knowing of this action and the source behind it. I'd like to also request a 7 yr Fraudulent Alert on my credit reports until this entire matter with Santander Consumer USA is completely resolved. I'm also seeking counsel in this matter as I deem it to be retaliation in its worse findings. 
To try and destroy my life credit and otherwise. They should not be in business and this should not be allowed. I'd like to also investigate how many others like myself have fell victim to them and unfortunately not caught it as quick as I did and put the two together. 
Please help me with my 7 year fraud protection on my reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have repeatedly requested a Debt Collection Letter detailing the balance the Credit Reporyting Agency is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My rights has been violated actto the FCRA. 
I have disputed this account several times with the credit bureau so here is my identity theft report please have this account removed its called XXXX XXXX XXXX 15 U.S.C 1681G Law Violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
As a customer of TD Bank, I received an email message XXXX XXXX informing customers that the bank would be increasing its monthly fee for paper account statements from {$1.00} to {$3.00}, beginning XXXX XXXX. Here 's a portion of the email message : " Heads-up. The paper statement fee is increasing to {$3.00}. But don't worryyou can avoid this fee just by enrolling in paperless statements. Plus, when you make the switch, you'll eliminate clutter, help the environment and enjoy XXXX access to your account information. '' Tripling the fee adds up to {$36.00} per year per customer, which is exorbitant, and amounts to coercion to transition to online banking, which I, as a senior citizen, wish not to do. This move presents a hardship to seniors I know who aren't on the internet and to lower income customers, especially in rural areas, who don't have access to reliable internet or who simply can not afford the service. 

As the XXXX XXXX XXXX XXXX notes in a XX/XX/2016 paper, " Paper statements must be available for free for consumers who want them, and consumers should not be coerced into electronic statements or steered into them by default if paper is the consumer 's first choice. '' In the report XXXX enumerates several reasons regarding the importance of paper statements as a consumer protection : XXXX XXXX XXXX I have been willing to pay the {$1.00} per month fee to receive paper statements because I think having a hard copy for my records is important ; however, I feel " taken '' by TD Bank 's move to triple the fee. 

As XXXX writes, " Unfortunately, some financial institutions are aggressively pushing consumers into electronic statements, using tactics that are questionable and arguably illegal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: MA

Complaint narrative:
Experian refuses to provide me with the contact information for a company they are reporting. I am entitled to and have the right to have all information that Experian is reporting in my file. Experian is reporting that account XXXX was sold to XXXX XXXX XXXX. I am requesting that Experian provide me with all contact information for XXXX XXXX XXXX as required pertaining to the FCRA. I have requested this contact information multiple times with no contact information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX, a {$9500.00} check for my Chase checking account was stolen in the mail and cashed at XXXXXXXX XXXX XXXXXXXX. I filed a Declaration of Unauthorized Endorsement with Chase, who said they intend to get back to me and recoup my money in 90 days. However the claim failed, for no good reason. I have called both banks countless times. 

I confirmed with XXXX XXXX XXXXXXXX that the root cause of this was that Chase submitted a typo when they submitted the claim. However though Chase has reopened the claim, I see no evidence they've actually fixed the typo or done anything to resolve something that ought to have been resolved almost a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

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

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