vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
I hereby would like to state the following facts related to the fraudulent withdrawal of the sum of {$4500.00} XXXX XXXX XXXX XXXX XXXX, from the account XXXX of my property, and held solely under my name, held at Chase Bank located at XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. 

XXXX XX/XX/2022 at XXXX XXXX  a withdrawal for the amount of {$4500.00} was made at the abovementioned branch of Chase, supposedly as the Chase bank claims using my debit card and my pin number to make said withdrawal. 
The transaction was executed by the teller number XXXX as designated that day by the Chase bank. 

XX/XX/2022 at XXXX ; XXXX XXXX  I myself XXXX was working at my XXXX  at XXXX XXXX XXXX XXXX Texas XXXX with my Chase debit card in my wallet, and I have video footage with the time mark to prove this. 

On XX/XX/XXXX sunday while checking my bank account transaction for the week, I realized that the sum of {$4500.00} had been taken from my account on XX/XX/2022, immediately i called customer service and was informed that i had to go to the branch the next day monday XXXX XXXX. 

On XX/XX/XXXX I went to chase bank to make my weekly deposits and also to inquire about this withdrawal of {$4500.00} and was informed by the branch manager XXXX XXXX XXXX that such withdrawal was made at the branch, with my debit card and pin number, and i explained to her and a teller, i believe the name is XXXX, that i had not withdrawn that amount and i rerquested respectfully that a fraud investigation be opened and my debit card would be suspended due to the fraudulent transaction. Therefore I was assured that the bank would open a claim and cancel my card. none of this last actions took place, On XX/XX/2022 I returned to the bank to ask about the status of my claim, and was made aware by bank manager that the claim was not made and the card was not suspended. Therefore XXXX bank manager proceeded to file the fraud claim in my presence. 

On XX/XX/2022 I was informed by the bank fraud department that the claim was deemed as not valid because my debit card was used to withdraw the money and also the amount was consistent with my spending patterns. 

Conclusion chase bank dismissed the fraud claim, saying that my debit card and pin were used at the branch but refused to review the video footage. At the exact time of the withdrawal I was at my XXXX  with my debit card in my pocket, and I have video footage to prove it. 

Thank you very much for your help on this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, around XXXX, my debit card made 9 unauthorized fraudulent transactions in excess of {$720.00} dollars. I immediately acted, locking my card via the Wells Fargo portal and then called per their instructions found online. They indicated the claim was processed and within 10 days everything would be handled and a temporary credit would be issued. I waited patiently ... came back with XXXX dollars credit on charges I never disputed. I called 5 separate times for resolution. I needed help, so I went to the local bank I have been a loyal consumer for since 1998. The banker called 3 separate occasions, which took several hours each appt I had to set up. Eventually the bank manager stepped in. Fast forward to XX/XX/XXXX. No resolution, no follow up, nothing, just continue to wait 10 days sir. I had heard that over 3 times now. The manager was able to uncover the issue, which was that XXXX XXXX refused to refund the money to the bank, which means, me, the consumer was to take the loss. The entire reason I set up my account with XXXX, now Wells Fargo was because they ensured me my money was federally insured up to 150k for issues such as this. 

Please help me come to a resolve with this issue I am facing. As a result of these charges I am potentially at risk of defaulting on my personal financial obligations for issues outside of my control, but clearly stated on their website that I'm covered for by being a consumer with their establishment.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and 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 non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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:
The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and 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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BlockFi Inc
State: FL

Complaint narrative:
I have the XXXX  - blockfi card. It appears they setup two different business to trick people. My credit card says blockfi and is setup and paid through blockfi website. Now that blockfi went into bankruptcy, XXXX pops out of now where and says i owe them. I asked them to pause interest while the bankruptcy is going on but they said NO. 


Called the XX/XX/13. spoke with XXXX. She gave me a XXXX reference number. She said she is not allowed to make changes. I asked to speak to her supervisor. She could not get him, but offered to have him call back. Said they were too busy and that still owed them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I requested my account be closed appropriately XX/XX/XXXX, Avant credit services to set up a payment plan. They said that I asked for a payment plan on XXXX of XXXX and that I had to wait 14 days for someone to contact me. They never contacted me. 

I called again today and they are asking me to wait another 14 days. During the waiting time I'm accruing more interest because they will not close my account. 

I paid my bill up to XXXX of XXXX so the payment plan was not Intiated by me. 
I just want to pay my bill and I have been unemployed since XXXX, due to health problems and am on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
The account was sold I disputed it and added it to my bankruptcy and its still on my credit record it also have in accurate dates as well on the account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act l. The list of accounts below has violated my federally consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report Containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedate the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I did multiple international wire transfers with US Bank and provided all the corrected information. The beneficiaries never received the money since the transaction was rejected by their banks. US Bank has started XXXX business cases stating that the bank needs to reject the transactions which they already did. The banks do not receive in local currency XXXX XXXX XXXX XXXX XXXX ) and also the amount is not allowed. US Bank sent in local XXXXXXXX XXXXy in XXXX. I have all receipts, documents and support documentation. US Bank does not provide update, answers my phone calls and do not take any actions. This was my life savings over $ XXXX for a purchase of a XXXX XXXX XXXXXXXX. I am desperate since they do not provide any support which they mentioned to me to be the safest way to transfer large amounts of money. They treat me with despair like a I am a second class citizen.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a bank statement today, XX/XX/13 in the mail for an account opened in my name at Bank of America. I called the customer service phone number today XX/XX/13 and was told they can not tell me anything about the account because of privacy laws. Never-mind the fact that someone has opened an account in my name with my social security number but they are so worried about privacy laws and yet nobody can explain how it was so easy for someone to open a fraudulent bank account in my name. I was told it would take up to 90 days for them to investigate and was not even given a claim number or any documentation about this claim. So basically no peace of mind was given to me and the man on the phone sounded like he could care less.

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 2022-12-13 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: TX

Complaint narrative:
XXXX XXXX is showing I have a charge off with them for XXXX and Transunion only. This is inaccurate and they have not provided validation for the account below. I am requesting that this account be deleted from credit report. 

I have been trying to dispute with Transunion since XX/XX/2021. I know they have at least XXXX or XXXX letters disputing accounts like XXXX XXXX. Transunion still has multiple wrong addresses on my file even though I sent them my documents to identify myself. I received letters from some of the creditors that I tried to attach since the XXXX time I received a response from Transunion they said I needed proof in order for them to keep investigating. Transunion even had the nerve to say they think my letters were sent by someone else even though they have responded to me before. I think they are trying illegal stall tactics just so they don't have to respond or investigate. This is against the law and violates my consumer rights.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account XXXX showing on my consumer report, associated with Fraud. Advised by XXXX I have been removed from Financial Responsibility.

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 2022-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 2022-12-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account : XXXXXXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX ; Account # XXXXXXXX XXXX XXXX XXXX ; Account # XXXX. has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX. has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Pursuant to the Federal Truth in Lending Act, 15 U.S.C. 1635, 12 CFR 226.23 and California Civil Code 1689. Westlake Financial was notified on XX/XX/2022 of my rescission of the credit consumer transaction entered on XX/XX/2022. I have never received any material disclosures informing me of my right to rescind under this subchapter. Per this subchapter, I am no longer liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void. This is the 1st instance of Westlake Financial violating my rights as a consumer. Westlake Financial has not provided the proper remedy to reflect the termination of any security interest created under the transaction in the allotted time of 20 days. As further evidence of the fraudulent contract that was entered with Westlake Financial, take notice to 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Westlake Financial has not provided clear and conspicuous disclosures to me, nor have I signed such material disclosures that would allow my personal information to be shared. This is the second instance of Westlake Financial not providing me with the proper material disclosures in connection with this credit consumer transaction. This negligence is not only unlawful but a clear violation of rights as a consumer have become highly injurious to her credit rating. Take Notice to 15 U.S.C. 1605 - Determination of finance charge. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly to whom the credit is extended and imposed directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I paid a cash down payment in the amount of {$750.00}. This cash down payment being comprised with a consumer credit transaction that has a finance charge is unlawful and fraudulent behavior on behalf of Westlake Financial. This is the third instance Westlake Financial has violated my rights.

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 2022-12-13 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: MI

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments

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