vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 2 withdrawals for a total of {$510.00} my debit card from a transaction listed as XXXX. I immediately notified my bank and had the debit card closed. I submitted the claim that these were not my charges and to refund my account. Chase sent request to confirm transactions to XXXX. Chase received documents that showed an order made on my debit card had my name and address. Tracking numbers were provided for the order so chase denied my claim. After contacting XXXX directly using those tracking numbers I was told the packages were sent from XXXX and did not have my name and address on the labels. After obtaining my full debit card number I was able to call XXXX  and find pull the exact transaction, this transaction did not occur in my XXXXXXXX account. They found an account opened in my name with my information that was not mine. They closed the account and told me they could not do any investigation because I already submitted the claim through chase. After 11 hours of calling back and forth chase will not continue any investigation and would not accept the verbal confirmation of identity theft. After I received the copies of documents originally sent to chase showing the transaction ID from XXXX ; I contacted XXXX directly. They found another fraudulent account opened in my name with my information. It is obvious that this person used all of my information including my debit card with out my permission. I can not obtain any supporting documents from XXXX or XXXX because these fraud " accounts '' are not in my name. Chase refuses to contact the companies directly. I have started a police report to obtain the documents from XXXX and XXXX to prove that identity theft and require chase to reinvestigate the claim. Chase fraud department did not properly investigate my claim, if they would either contact XXXX, XXXX or XXXX directly they would be provided countless documents supporting these charges were not mine. When they initially contacted XXXX  they did not give the entire debit card number and went only by the transaction that occurred on my account therefore were provided inaccurate information which they based their decision on. I spoke to over 4 managers and spent easily 9 hours on the phone with chase who is refusing to support their customer for over 17 years. I do not recommend chase and I will no longer do any business with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: NY

Complaint narrative:
i tried reaching out to this bureau multiple times about accounts that are not mines on my credit report! i need these investigated and removed today!

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 2021-12-17 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: NY

Complaint narrative:
My balance is incorrect. It is about {$400.00} more then what I spent. This is the XXXX time they have done this to me. They tell me it will take 90 days for them to figure this out. I do not have 90 days to wait for my XXXX back. I can not afford to pay the bill and I do not want my credit score to be impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I believe I'm being XXXX XXXX  against. I applied for a cash out refinance with Better on XX/XX/2021 and again on XX/XX/XXXX, XXXX I felt the XX/XX/XXXX decision was a mistake. They had the best rate and fees at the time. All the other companies I applied to approved me but I felt their fees were excessive. 
Today I decided to look into refinancing again and Better had the best rate at 2.5. The reason they gave for denying me in XXXX XXXX my XXXX was to high. I looked up the requirements and it says their acceptable XXXX was 50 %. My XXXX is much lower as I pay all debts in full every month since the XXXX. 
Following are their stated requirements : " Minimum borrower requirements Better.com adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises ( GSEs ) XXXX XXXX and XXXX XXXX XXXX 

For conventional loans, key requirements include good credit ( typically a XXXX score of XXXX or higher ) and minimum down payment of XXXX percent. However, anything less than XXXX percent down will trigger the private mortgage insurance ( PMI ) requirement. 

Borrowers must also have a debt-to-income ratio ( DTI ) of no more than 50 percent. '' My FICO SCORE at the time and still is XXXX. The value of my property is $ XXXX, I was requesting a 30yr. Loan for {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TX

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.

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 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2021, I did an International wire transfer of {$4000.00} USD through my chase bank account to an Individual name XXXX  XXXX XXXX, who resides at XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX and phone number is XXXX. XXXX has my {$4000.00} USD and refused to return it. He claims to be a business person selling cars and registered with the XXXX dealing with such activity and yet i have not received the car nor my money. I've tried to reach his business and no success. I contacted CHASE BANK to assist but no vain ACCT NUMBER XXXX TRANSIT NUMBER XXXX INSTITUTION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: NY

Complaint narrative:
As previously notified, I am a victim of identity theft

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 2021-12-17 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: TX

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: IN

Complaint narrative:
Transunion keeps adding same collection account after being removed followed a dispute.

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 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Im so frustrated because out there are many people complaining for the same thing, Wells Fargo, how they allow people to opening fraudulent accounts online, Im wondering how broke is the people who is on charge of online accounting center. I used to have Wells Fargo before but I had really bad experience, is there is someone using my identity, or many of other people identify, they should have more carefully while opening checking accounts. Hopefully one day their bank get fix at anyway

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 2021-12-17 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: TX

Complaint narrative:
Sent Experian a request to remove XXXX XXXX. This is not my name. Has never been my name. They refused to remove it from my file.

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 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Fraud charges/unauthorized charges were made on my Venmo account. 

Dates and amounts of each transaction : XX/XX/2021 {$29.00} XXXX ; XX/XX/2021 {$0.00} XXXX ; XX/XX/2021 {$260.00} XXXX XXXX ; XX/XX/2021 {$5.00} XXXX ; XX/XX/2021 {$9.00}. 

Ive not given anyone permission to use or to access to my account. 

Additional Information : I live in XXXX, North Carolina. The day that these 5 charges occurred started soon after I placed an order with XXXX  in Washington DC to have groceries delivered to my sister. I have not used XXXX  in years probably and had to link my Venmo to make the purchase. I didnt even have the app on my phone anymore to give you an idea of how long its been. The order was being shopped when my sister needed me to change the address I provided. I changed the address, and the shopper then canceled the order. I then was assigned a new shopper who completed the order. Several hours following the delivery of the groceries is when the fraudulent charges occurred on my Venmo account. Three out of the 5 charges occurred during the middle of the night while I was sleeping. The email notifications came in the middle of the night, example, email time stamp is XXXX for the XXXX charge - the purchase time within the email is XXXX because the purchase is in Washington State - a different time zone then mine! I believe these fraudulent charges are somehow linked to my purchase through XXXX. Somehow my information was breached. 

I woke up in the morning to find the email notifications about charges made. Venmo makes it extremely difficult to figure out how to file a claim. I had to XXXX it because I couldnt find it on the app, not even through their articles full up tips. I then had trouble figuring out how to disable my account and in the meantime, 2 more fraudulent purchases were made. 

Reason for denial of disputes from Venmo : My account shows several payments received from other accounts during the time of the disputed claims. That logic is completely inaccurate. XX/XX/XXXX and XXXX is when the fraudulent charges occurred. The payments received in my account were XX/XX/XXXX and dates earlier. Despite this, Venmo is an app intended for sending and receiving money. 

These fraud charges were not investigated thoroughly and I want a resolution and my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: NY

Complaint narrative:
I previous ; ly nitidied Equifax that i'm a victim of identyity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: GA

Complaint narrative:
I, XXXX XXXX never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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 2021-12-17 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, XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
Best Egg is attempting to collect an alleged debt in which they have not provided proper proof of my obligation to the alleged debt pursuant to 15 USC 1692g. I am requesting that Best Egg cease and desist all communications in regards to the alleged debt pursuant to 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Originating bank is XXXX. Receiving bank is Chase Bank. Transfer amount is {$25000.00} CAD. On XX/XX/2021, XXXX committed an error by typing the incorrect account number for the receiving bank. On XX/XX/2021 I advised XXXX of the error when I noticed they did not use the account number I supplied. XXXX replied saying this is not a problem because the receiving bank won't transfer the funds if the account number and name on the account don't match. Chase Bank committed an error when they deposited the funds into the wrong account anyway. Each institution is blaming the other and no one is giving me my money back. They are currently trying to recover the funds but I suspect this could take a very long time and I can no longer tolerate being out the money. I have e-mail documentation to back this all up. I've given both institutions ample time to remedy the situation but not success at all so far. I would like a complete investigation on Chase Bank and if they committed wrongdoing would like to pursue all remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On Monday, XX/XX/2021, I closed my Coinbase account because I thought my Coinbase Pro account was a completely separate account which still had $ XXXX {$1500.00} in cryptocurrency in the wallet. I went ahead to close my Coinbase account, where Coinbase did checks to make sure I had no money in the wallet before I can close it. So I got my Coinbase wallet down to {$0.00} and was able to close. There was no mention that my Coinbase Pro wallet is the same account and/or no mention or warnings to move my money out of my Coinbase Pro account. This entire time I thought it was completely separate and would have no impact to my Coinbase Pro account if I went ahead and closed my Coinbase account. I went forward with closing my Coinbase account and next thing I know, my Coinbase Pro account is also closed with my money still in the account! There is no way to ever get to speak with a live human being when things go wrong. I submitted a ticket for Help through the Coinbase website and it has been 4 days and still no response. This is a scam! Coinbase basically XXXX XXXX XXXX. I can not access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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