vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Regarding XXXX and XXXX Hi! 
I am writing to respond to Chase regarding the privacy breach concern. The time of the phone call with the representative was at XXXX until XXXX on XX/XX/. The representative on the Phone acknowledged that there was another customer on the line due to a glitch in the system. I called the Chase team immediately after to express my concern and the team increased security measures on my account as a result of the situation, thus acknowledging that another individual was on the line and had the potential to listen to my private information, putting my account at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: GA

Complaint narrative:
I made 2 purchases with my cashapp card on XX/XX/2023 from XXXX XXXX. It is now XX/XX/XXXX and I'm yet to receive my items. I usually receive my items from XXXX XXXX XXXX in about 5 to 8 days. I began to dispute my transaction around XX/XX/XXXX or so with cashapp. I've provided them with the same documents that I'm providing you with. I have called several times requesting a supervisor .... they always have an excuse as to supervisor availability. I have filed at least 8 disputes since the 15th. All have been denied. At the end of the day. I still haven't received my items. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Hello, I'm very disappointed to write this that " Remiltly Inc. '' App does not securely transfer money and solely rely on account number only. They do not verify first name or last name or email or phone. 

If they or I make any single mistake in writing an account number money is taken to any partner bank without any confirmation or verification process. 

There was one typo meaning one XXXX missing in an account number and still the funds went through on XXXX XXXX it was supposed to be received to my family for medical emergency since my brother was admitted to hospital but they have been giving me different answers. 
Also, I reached out to recipient XXXX XXXX- XXXX XXXX XXXX  and they checked both the wrong and right account numbers. None of the account has shows any entry from remitly or under my name for the XXXX and XXXX month. I have followed up with Remitly every week since XX/XX/XXXX and I had to file this complaint against Remitly since they are not refunding my money neither providing it to the correct recipient. 
Please see transfer details below : Remitly transfer reference number Recipient : XXXX XXXX XXXX ( my uncle ) Transfer No. : XXXX XXXX XXXX XXXX Submitted : XX/XX/2023 XXXX XXXX  EDT Reference No.XXXX XXXX XXXX XXXX Delivery : Bank Deposit Bank  : XXXX XXXX XXXX  ( XXXX ), XXXX. 

Please let me know if you need any more information. 

Thank you, Looking forward to hearing back from you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
I tried to buy a product online and was told to use Cash App to send payment. I did send payment then after that they never sent tracking information and eventually stopped all communication. I contacted the customer support immediately and told them what happened and was told that it was an agreement between parties and they would do nothing to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All of the consumer reporting agencies such as XXXX and XXXX are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All of the consumer reporting agencies such as XXXX and Experian are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a checking account with Chase. I notice I got charged for {$24.00} fee in the most recent two months. I called Chase today and asked why I am being charged. I was told I have to keep my daily balance over {$1500.00} otherwise there is a {$12.00} fee. I was surprised. I did not receive any notification regarding my balance becoming low before the charge, nor get any statement in email nor mail. I use Chase mobile app to view account activities but there is nowhere says there is a {$1500.00} minimum balance requirement otherwise it is {$12.00} fee per month. 

Chase customer service says because I didn't set up a threshold in the alert that is why I don't get any notification. However even I set up an alert it will not be {$1500.00} threshold probably will be {$100.00} threshold to notify me that balance is below {$100.00}. So I will still be charged with the fee. 

I have been charged twice, but there was no any notification either mail or email says there is a fee on my account. I also have several accounts with XXXX XXXX  XXXX, when my balance is low they will send us a mail to tell us what we should do to keep the account status even we are using paperless statement. But I never received anything from Chase to tell me balance does not meet the {$1500.00} threshold Chase customer service says I didn't receive any mail because I am using paperless statement. But I also never received any email tells me my balance is breaching minimum threshold. 

Chase argues it is customer 's responsibility to maintain the balance. However, before customer taking their responsibilities, should Chase also have the responsibility to educate and remind customers there is a minimum balance requirement and how much. They could put an note under the account, also could send out an mail to tell customers about low balance and associate fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I had applied for a loan from Quick Credit Inc and I got approved for a loan. As the process was undergoing one of their representatives XXXX XXXX reached out and told me that before we continue they needed my credit score to go up. So therefore they said they were going to send me credit funds into my bank account and therefore with those funds I needed to buy prepaid/gift cards with the total amount they said which was {$1000.00}. They were purchased. Info was sent over but what I didnt check was that they had requested claims on transactions I had already made on my bank account therefore those funds that the gift cards were purchased with came within my account. They never sent any funds. I got completely scammed. I have proof of a contract, messages, calls, transactions with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-07-28 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Reported late payments to credit reporting agencies : XXXX, XXXX, and XXXX. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a Comenity Bank Comenity Card MasterCard account. I received a letter in the mail for a company that I have autopay set up with to use my Comenity Card MasterCard. The letter stated that the autopay charged had been rejected by Comenity. I was confused so I took my card and called them. They stated that they had noticed suspicious transactions. These transactions were to a thing called " XXXX '' or something like that name. I told them I didn't know what that was or who charged that. So the agent said they would get me a new card number. A note about these " fraud '' charges is that none of them ever went through according to Comenity they were all denied. This was all fine. I then on XX/XX/2023 received a letter in my online Comenity Mailbox. The letter has been attached to the below complaint. The letter was a request for documents from me. These documents were very personal such as Drivers license, Social Security Card, and Bank Statement. I sent these documents in. I called Comenity 2/3 days later and I was told that my account had been closed. I was offered no explanation other than your documents failed. I looked over what was send and realized at my fault I did NOT attach the Back of my Social Security. I even took the picture I just didn't include it in the email. The back of the social security card includes no information so I don't know what they what it for but fine. I called them back and was offered no resolution. However this is unfair. The letter states " We value you as a customer and apologize for any inconvenience this may cause. If you have any further questions about your account, please call us at XXXX ( TDD/TTY : XXXX ). 
We will be happy to help you. If we do not hear from you or we do not receive the requested documents within 30 days from the date of this letter, your account may be permanently closed. '' I have 30 days from the date of the letter ( XX/XX/2023 ) to send the requested documents. So it is not right that I am not allowed to send the back of the Social Security Card. I need a resolution to this as this is damaging to my credit. I am retired XXXX  who volunteers and do not want damages to my credit score. I value Comenity as a bank and have enjoyed working with them. This is a very bad customer experience however.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
IN SUMMARY : A STOP PAYMENT ON A REFINANCE CHECK WAS INITIATED DUE TO DIVORCE AND NONE OF THE LENDERS WHO HAVE HELD MY ACCOUNT CAN SHOW THAT A CHECK WAS EVER REISSUED YET I'VE BEEN PAYING A LOAN SET UP TO REPAY THE ADDITIONAL XXXX BORROWED WHEN REFINANCED. DITECH SAYS THEY SHOW CHECK WAS STOPPED, BUT NEVER REISSUED. 
LONG VERSION : BOUGHT HOUSE ON MY OWN IN XXXX. MARRIED AN HABITUAL CON-ARTIST IN XXXX. EARLY XXXX HE CONSTRUCTED THESE LIES THAT THE HEAT AND AIR WAS OUT AND NEEDED TO BE REPLACED ; HE HAD A BUDDY IN HEAT AND AIR WHO COULD REPLACE IT ; HE HAD TALKED TO DITECH WHO HELD MY ( MINE ALONE ) MORTGAGE AND DITECH SAID ( WHICH WAS NOT TRUE ) THAT THEY COULD NOT WORK WITH ME ALONE AS MY INCOME HAD DROPPED. EX HUSBAND GOT HIS NAME ON THE MORTGAGE, ( HE WAS A XXXX XXXX EMPLOYEE ) INTERCEPTED MY RECEIPT OF THE REFINANCE CHECK WHEN IT CAME THRU XXXX BRANCH ; SIGNED HIS NAME TO IT AS WELL AS MY NAME ; DEPOSITED IT INTO XXXX XXXX XXXX PERSONAL ACCT AND REFUSED ME ACCESS TO THE FUNDS. I IMMEDIATELY HAD A STOP PAYMENT ISSUED AND FILED FOR DIVORCE. HE SIGNED AND I FILED A QUIT CLAIM DEED. NONE OF THESE LENDERS CAN SHOW ME ANYTHING BUT A STOP PAYMENT ON THIS ONE CHECK ISSUED. NO REISSUE ; HOWEVER, I'VE BEEN PAYING ON A LOAN THAT INCLUDED XXXX I NEVER GOT.

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 2023-07-28 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: WI

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. 

XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
YOUR COMPLAINT In accordance to 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. I told XXXX, TransUnion, and XXXX to reinvestigate these accounts : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years. 15 USC 1681s2 ( 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. Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.

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