vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: NY

Complaint narrative:
On XX/XX/23 I made a withdrawal from my account at Chase Bank in the amount of {$100.00}. However, immediately after I left an additional {$900.00} was taken from my account via an additional XXXX transactions, taking the account to very nearly {$0.00} or as close as the standard withdrawal amounts would allow. 

Upon discovery of the missing funds I immediately contacted XXXX and requested a new Debit/ATM card and that they investigate the theft. I was sent a new card and given a temporary credit for the amount stolen. 

A few days later I was sent XXXX letters from XXXX. XXXX saying the temporary amount had been added to my account and another saying they completed research on the fraud and found that " the transactions were processed according to the information you provided or was authorized. '' Ostensibly saying that I must have authorized the withdrawal because the information I provided was used. I suppose this means the withdrawal was made using my PIN number, but no evidence was given nor further explanation offered. 

I called XXXX again, upon receipt of these letters. Asking that they, again, review the theft. Sharing this time that 1 ) I unequivocally did not authorize the withdrawals and 2 ) believe my loss in cases of theft is covered by multiple pieces of legislation and at a minimum should be maxed at {$100.00} 3 ) that they would find if they checked the lobby cameras that someone else must have accessed my account through the same terminal or at a minimum that I was not the person who did 4 separate transactions at the same time. The representative said they would open a new investigation. 

XXXX weeks later, on XX/XX/XXXX I received XXXX letters from XXXX with the exact some information from the first investigation. One letter saying that I was given a temporary credit and another saying the temporary credit would be taken back because " the transactions were processed according to the information you provided or was authorized. '' I did not authorize these XXXX withdrawals and I can not afford to lose {$900.00} at this moment in my life. It is unacceptable that a massive, international financial institution can not protect its account holders in this minimal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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:
I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXXXXXX inquiry day is XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

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

Company 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 2023-05-25 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: VA

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

Account Name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. 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 a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Sections 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 USC 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 explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has offered a misleading and deceptively marketed Visa Platinum credit card. 

The promotional offer for this product lists terms that drew me to apply to the product. I have excellent credit. Additionally, I have other lending products with NFCU with large lines of credit. 

I applied to a card with a promotional offer of 0.99 % APY with {$0.00} balance transfer fee. Upon asking NFCU for a $ XXXX credit limit, rather than contacting me before approving the application to inform the product wont meet my needs, they simply opened the account at an insultingly low credit limit based on my qualifications and existing lines of credit. When asked several times NFCU refused to provide sufficient explanation. Only that I may apply for a credit limit increase in 3-6 months. This period of time would occur after the promotional period ends, and would lock me into extremely high interest. 

Im a service-connected XXXX veteran, which is a demographic particularly targeted by NFCU. Ive also banked with them since XXXX. 

I believe that this credit product is a deceptive practice to lock customers into high interest balance transfer situations. I will be gradually ending my banking relationship with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I provided a legitimate XXXX drop off receipt showing that I returned the 2 items in the order I disputed with Goldman Sachs Apple Card against merchant babylist for order XXXX. Babylist claimed that the items were not returnable but according to their return policy they are for up to 9 months and also I have an email where they CONFIRM processing my return request so it was returnable in fact. My XXXX  drop off receipt I provided shows the items I returned XXXX the prepaid return label they gave me and they weighed 75 pounds. This is for dispute XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I was notified on XX/XX/2023 by my homeowners insurance company, XXXX, that they are canceling my insurance in 11 days due to non payment. 

I was shocked my lender forgot to pay it, as my homeowners insurancr and property taxes are paid out of an escrow account they hold. I have called to tell them the problem and only been hung up on. 

Please see attachement of the email I received from my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

{ dispute_item_and_explanation } XXXX XXXX XXXX Account Number : XXXX { dispute_ Inquiries XXXX XXXX XXXX XXXX XXXX  ; XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

{ dispute_item_and_explanation } XXXX XXXX  ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX have been with Wells Fargo for 20 years in XXXX I notice a savings account was open automatically I was charged for years monthly fees for not having enough in the account that I did not open they also had a practice of not depositing my checks at midnight so they could charge over draft fees for monthly automatic payments that came out on the XXXX or XXXX. Lately I had a establishment that charged me for a false purchase we settled the issue on the phone I did not file a claim but Wells Fargo took it upon themselves to create a claim put the money back and recharge me a month later saying they sent a letter by mail never informed me about it and because of that my account was overdraft and they charged me again. Im leaving Welks Fargo its a process since bearing with them for 20 years but they XXXX have taken over thousands of dollars from me with suspicious practices

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 2023-05-25 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:
In accordance with the Fair Credit Reporting act 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 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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX I added my husband to my card They sent me a card for him. In XXXX he was flagged as fraud after buying gift cards for the kids. He called the credit card company it was taken care of and XXXX of the XXXX cards went trough. The next day he went back to buy the second and sure enough was flagged again this time restricting the use of our card. He called and he told them it wasn't fraud it was him. They said it would take 5-7 business days. He called for XXXX weeks after seven days and was told its in the fraud department, they will get back to you, we know nothing about this. Talked to a supervisor and he said this isn't right can you call back in 5 days he did, Got another supervisor same story. Finally he had me call as I'm the primary. They said the same thing to me. I asked for a letter, as did he, to explain the reasons why are card is restricted, they sent us nothing. Fast forward to today, I talked to a manager he asked for a copy of my social security card, drivers license and utility bill. To prove who you are. I told them I pay the bill every month through my bank account, you sent me this card, why would you need more. Sorry, I need all three forms of proof. ( yet you can Vote without ID ) Then asked for a bank statement. Well my husband being a XXXX veteran with XXXX and former law enforcement, Had enough and said no, to all that and said to just close the dam account and never do business with capital one again. This is disgusting. They should at least of sent us letters with answers and have a place of contact at the level it was escalated to. They did nothing but say we can't help you on this level, fraud will contact you. Well fraud never contacted us, the only fraud going on here is capital one venture card. My husband has his own capital one savor card that wasn't restricted, go figure We pay our bills every month and what they are doing is criminal as far as we are concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/23, I sent to CITIBANK via USPS certified mail XXXX postal money orders ( which are negotiable instruments UCC Article 3 ) for {$5.00} each for XXXX different credit cards as payments. XXXX card the balance was {$8600.00} and the other was {$830.00}. Both postal money orders were redeemed and cashed and applied to my accounts on XX/XX/23 as payment in the amount of {$5.00} each account. 

On both postal money orders I wrote out my negotiation statement on both postal money orders as again they are negotiable instruments the follow : I accept your offer in the amount of {$8600.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

I accept your offer in the amount of {$830.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

signed by me ad well as " without recourse '' and my name printed as well. along with codes UCC 3-603/3-331. As well as the account numbers to both cards They redeemed both money order which means they have to honor what was written on it by me from the terms of negotiating. I called them and they refused to honor what was written. I told them that UCC is commercial law and since they are working in a commercial capacity they have to honor and obey these laws/codes. 

I would like to file a complaint and hold them accountable for not honoring law and my negotiable terms upon redeeming my negotiable instruments. I would like for them to honor and credit my accounts and zero out both balances. 

I do have photo color copies of both money orders as well as receipts and the coupons from citibank. I look forward to hearing from you soon. Thank you for your help.

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I initiated a request to transfer my XXXX from Optum Financial to XXXX at the start of XXXX in XXXX. At some point in XXXX, I noticed my Optum Financial account was closed out and emptied. However, towards the end of XXXX I noticed that XXXX still had not received my transfer money. Optum Financial told me the check was mailed out around the beginning of XXXX and said at this point, it should have arrived. I checked with XXXX and it hadn't arrived and XXXX suggested that I put a stop payment on the first check so they can expedite a second check out. This was around XX/XX/XXXX, and the assumption was that the second check would be expedited and sent out a few days later. 

A month later, I'm finding out that the money was put back in my Optum account, my account was reopened, and I need to sell the investments and start this process over again. Optum will not provide a tracking number on the check they mail out, so once this happens there will be no transparency where the money is again even if it's been a month. At this point, a process that was supposed to take 4-6 weeks is still ongoing XXXX weeks in. 

Different representatives at Optum have also told me differing information. I was told that they can expedite a new check to XXXX, but then was just told they need to restart the process over and there's no expedite process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express Hilton Honors 24-hour customer service XXXX refused to dispute a charge. The charge I want to dispute is for our ( my family and I ) Hilton XXXX in XXXX XXXX XXXX XXXX XXXX  stay, confirmation # XXXX. 

Hilton said we would receive a total refund of {$740.00} but we only received {$370.00}. Please see Exhibit A Hilton Corporate and Exhibit B Hilton Corporate. 

I reached out to American Express Company at XXXX on XX/XX/2023 to no avail. Please see Exhibit C American Express Corporate. 

Photos from our stay are available upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 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: AR

Complaint narrative:
I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my 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 2023-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
# XXXX Request : Where's the Money?

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