vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
A customer sent us a check for payment the customers bank was XXXX XXXX Someone intercepted the check, altered it. Bank of America Cashed the forged check. 
We submitted a claim form XXXX Weeks ago. Bank of America still refuses to reimburse our customer so they can reimburse us.

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 2023-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
Planet Home Lending is the current Loan provider for my personal VA loan. My house is on the market and another Veteran is interested in assuming the VA loan for my home. 

I called Planet Home Lending to verify the assumption process and find the next steps. ( XXXX ). 
The customer support collected the potential buyers information, then told me the process could take up to 6 months to complete, per their internal policy. 

I called their company again ( XXXX ) to verify the 6 month process, and their front facing customer support personnel ( a new a different person ) told me the same thing. They refused to elaborate on the process and told me that was their policy. After I informed them I would be taking this up with the state, VA, Consumer finance, and a personal XXXX complaint ; they proceeded to " review '' their policy for 20 minutes. Then they told me their policy was actually for a 2 month turn around for loan assumption processing. 

The VA has policy out since XX/XX/2023 ( Circular XXXX ) that makes this a 45 day process for loan providers to move VA assumptions. It also states that if it takes longer than that, we are authorized to request VA involvement, and possible shifting of loan underwriting to the VA. 

this company has a customer support policy to tell veterans unrealistic and scary timeframe turn arounds on beneficial programs, that would save Military and Veteran personnel financially. It directly support the Loan industry to scare veterans from a lengthy process. If I did not press the issues and call the VA, and instead just pushed their policy to the potential buyer, I may have lost that potential buyer.

This is predatory in nature, and the fact that two separate customer support personnel gave me the same information up front, but had follow up information after pressed, shows a disregard to the VA policies and to veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-06-14 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: IL

Complaint narrative:
I have provided supporting documents and request that you investigate the matter promptly.

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 2023-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is to JP Morgan and Chase Auto Loan. 
State farm sent a cashier check off this item in XXXX of XXXX. I have included the necessary paperwork for it in this complaint as well. JPM Chase received the information but has not cashed the check, instead chose to keep adding fees to the item. 

I communicated with XXXX XXXX through XXXX - XXXX, and they sent another Cashier check for the payoff on XX/XX/XXXX. The cashier check was delivered on XX/XX/XXXX at XXXXXXXX XXXX Signed by XXXX, with tracking number XXXX. JPM Chase Auto has still yet to cash the check. They have instead decided to keep hitting my credit report with late payment and charge offs and included fees. I have disputed this item with the Credit Bureaus and with JPMorgan Chase Auto which states that the information is valid, despite the fact I have included all of the paperwork that I am sending into the CFPB as well. I feel that this is my last option to get this corrected. I am attempting to get a home loan, and this item violates the FCRA, and FCBA from what I have read online, they are refusing to cash they payout at our agreed upon amount, and instead, choose the add late fees. The cashier check was received ( as stated in the XXXX XXXX I have uploaded ). 

I have also attached a Credit report ( dated XXXX XXXX ) of the item in question : JPMCB Auto - Account XXXX. One can clearly see the increased fees from the payout due to them refusing to cash the check. 

My loan officer said that this inaccurate item is preventing them from refinancing my home. I turn to the CFPB for them to conduct an investigation on this item so they can get JPM Chase to cash the check as we agreed and report a XXXX dollar balance to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX i went to pay my friend on the Chime app pay anyone feature. She did not receive it, so I had to XXXX her the money instead. I contacted chime support to dispute the transaction since the funds were taken from my checking account even though she never received the payment. Ive been denied twice already in my disputes, even though Ive submitted bank statements proving that nothing was received from chime. Since the XXXX Ive been through countless phone calls with their support team, and keep getting told the same thing. That I file the dispute and I should be getting my hard earned money reimbursed. Ive even been hung up on by one of their supervisors which I find extremely unprofessional no matter my tone of voice, because it gets to a point where youve explained the same situation about 20 times and nothing is changing. Come to find out I go on XXXX and Im seeing Im not the only one whos gone through the same issue. Times in the economy are hard right now and I dont make enough money to where I can just forget about those XXXX dollars. This is a company thats supposed to be legit, but yet arent helping there people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: NC

Complaint narrative:
I have been called close to XXXX times by this organization. 

The debt is not mine and I am not affiliated with the company nor have I ever been. They are harassing me and will not stop. They have called and facetimed me, calling me a liar and raising their voice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CA

Complaint narrative:
I've had a checking account with Wells Fargo for over 10 years. On XX/XX/XXXX, while on vacation in XXXX, I received an email from Wells Fargo that they had detected some unusual activity on my Wells Fargo Debit Card ending in XXXX. At this time, I also received an email alert that someone had changed my password and changed the phone number associated with my account. I did not make these changes. 

I immediately contacted Wells Fargo and they assisted me in closing my account, canceling my debit card, and filing a claim for the following fraudulent transactions made in California : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA {$1000.00} XX/XX/XXXX ATM Transaction XXXX XXXX XXXX CA {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX {$250.00} Wells Fargo issued me a new debit card and a new account number ( ending in XXXX ). On XX/XX/XXXX and XXXX, I received alerts of two new charges on this new account, even though I had not yet received my new debit card in the mail. I immediately called Wells Fargo again and was told that my original claim had been closed ( reference number : XXXX ) as they had determined I had made those transactions myself. As I did not make these transactions, was not in the state at the time, hadn't lost my debit card, or changed my account information, I informed them that I had not made those transactions and refiled a claim ( reference number : XXXX ) as well as a complaint. 

On XX/XX/XXXX, I contacted Wells Fargo again as I hadn't received any updates about the resolution of my claim or complaint, and I was then again told my claim had been closed. Wells Fargo had credited my account for the amount of the two new charges from XX/XX/XXXX and XX/XX/XXXX ( totaling {$63.00} ) but had denied my claim for the fraudulent transactions on XX/XX/XXXX ( totaling {$2200.00} ). 

At this time, I filed an additional complaint with Wells Fargo ( reference number : XXXX ) and was told that were no other avenues for me to take to recover the {$2200.00}. Throughout the duration of XXXX XXXX XXXX, I did not lose my debit card, share my PIN with anyone, or make the transactions outlined here and I would like {$2200.00} restored to 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 monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, have sent multiple letters to the credit reporting agencies Experian and XXXX for the past year due to fraud repair and they fail to verify, correct, or remove these accounts. 

According to the law, which is protected by congress, 15 U.S.C. 1681i, which is a part of the Fair Credit Reporting Act ( FCRA ) states : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Also according to paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This has been very frustrating over the past few years and I demand that they are immediately deleted from my report : XXXX XXXX XXXX and any others I have disputed in the past due to fraud. 

Thank you for your prompt attention in this matter.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As of XXXX of XXXX. I discovered that I've become a victim of identity theft. I had a substantial amount of money in my checking/savings and credit card account and overlooked large sums of money being charged and transferred from my account. It has been verified that my account has been compromised due to a spyware remotely accessing my phone. I was able to get an incident report from law enforcement and an identity theft report from the Federal Trade Commission to support my claim after thorough investigation was done and confirmation was made of how my accounts were compromised. Multiple lines of credit of was opened and services were used in my name. I reached out to Navy Federal Credit Union to dispute the charges with the Fraud Department. I first discovered the unauthorized credit card charges, in which I reported to Navy Federal. An investigation was done and I was able to get the charges credited back to my credit card. The original credit card account was closed and a new card was issued. After filtering through my checking/savings account, I discovered charges dating back to XXXX that I was unaware of. There were a large amount of XXXX and XXXX transactions, along with other fraudulent charges that was linked in my name. The Fraud Department issued a 'Statement of Forgery for Navy Federal Debit Card/CUCard Form ' for me to list each itemized fraudulent charge. I submitted as many charges that I was able to list on the form. I also have additional to submit as well. I was advised that an investigation would be done and I would be notified of a decision within 45 days. I haven't heard from anyone at NFCU in regards to my fraud claim. After a few months went by, I have followed up with a NFCU representative to verify the status of my claim. I was advised that the claim was denied. I received no notice of denial via phone, mail, or email. I have yet to get a fair resolution based on a lack of support and lack of effort in properly investigating this matter in a timely fashion. Within the time of the identity theft, I have experienced a major financial hardship that caused me to almost lose my home and a car repossession. I had to apply for government assistance in order for me to keep my bills paid. This has also affected my credit. I've applied for a personal loan, auto loan and even an increase in my credit limit for my credit card. I've been denied for all three loans ( in which my consumer law/FCRA rights have been violated ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Chime Financial Inc
State: NM

Complaint narrative:
After being charged {$83.00} from XXXX I contacted XXXX and they agreed to give me my money back only they needed the transaction number to do that. Chime bank has refused to give me the transaction number and even after I dispute the transaction they have decided that Im going to pay the {$83.00} even though I didnt create this account and XXXX agreed to give me my money back now my account is in the rear of {$100.00} and Im not going to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: FL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to COVID 19. See attached letter confirming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Several of my accounts are paid in full ; per the letter attached. The total amount paid off was {$47000.00}

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 non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Several of my accounts are paid in full ; per the letter attached. The total amount paid off was {$47000.00}

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 2023-06-14 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: GA

Complaint narrative:
IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank sent multiple notifications via USPS stating they were closing multiple accounts, where my name was listed, by XX/XX/XXXX. Two of these accounts are long established business accounts ( opened since 2007 ), while the other two are personal/family members accounts that have been open for at least 20 years. We have reached out to PNC Bank several times both to our local branch and via the toll-free number provided in the letters. All individuals I spoke with stated they were unable to or unwilling to provide any information to the accounts closing. They were also unable to direct us to anyone who could give us any reason for the accounts closing. The combined total in the accounts is approximately {$130000.00}. There have been no unusual transactions made in any of these accounts. The type of account activity has pretty much remained the same since they were opened. 
Please advise what you can do as I would like a detailed explanation for the decision to abruptly close my accounts. 
Please note the only contact between the bank and myself was via these generic letters with no personal contact information supplied.

Company response to consumer: Closed with explanation