vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a debt validation letter and cease and desist letter to verify the account... Apparently the account has been charged off therefore they have been compensated.

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 2023-02-07 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681XXXX 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 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 Has violated my rights 15 U-S-C 1681 602 A- Stat 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 instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : 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 conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-02-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I sent a debt validation letter and cease and desist letter to verify the account... Apparently the account has been charged off therefore they have been compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
On or about XX/XX/2023, I submitted a loan request and it was received and processed by Ascendloans.com. It was approved and funding would be complete by XX/XX/2023. I noticed in my final loan docs, I could not make any changes, only submit? 
Once submitted, I went through to print my docs and discovered Ascend had my routing number incorrect? I immediately contacted Customer Support and spoke with a Rep, who stated not to worry, once the Loan rejected for incorrect routing, they could resubmit again. Only XX/XX/2023, I noticed my online Ascend account, my loan was funded? I first contacted my old banking institution and confirmed the loan did attempt, but was rejected back to Ascend. I contacted Ascend and spoke with another Rep " XXXX '' who stated he could walk through resubmitting my information. A few minutes later, " XXXX '' stated the loan rejected? He said I would receive documentation shortly. The rest of submitted documents explain the process and timeline that reflects Ascend LIED about the rejection letters and a then, once I submitted a complaint to the XXXX, they sent a Adverse Action stating they only rejected my loan, stating my " Bank was not compatible ''? I want me FUNDS as I was approved for immediately!

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 2023-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JP Morgan Chase sent me a XXXX form reporting Other Income of {$800.00}. When I called to inquire for an itemized summary or year-end summary of how this {$800.00} was derived and what from, I was continuously transferred ( 7 times ) to multiple departments where no one could give me an answer ( XX/XX/XXXX ). I am ASSUMING this might be from points that were transferred to XXXX XXXX for hotel redemptions but no one can confirm or deny this. If a large bank is issuing Federal tax documents and reporting to the government, the bank must be REQUIRED to also provide an itemization of the said value of which they are reporting and claiming to have given. A quick summation of during XXXX you redeemed XXXX points valued at $ XXXX $ XXXX which is what is being reported on the Form 1099-MISC would satisfy all questions XXXX For the consumer to just take Chases word for the income they are reporting with XXXX documentation of what was received in exchange is ludicrous. I want to know specifically what I received ( specific # of points valued at what amount ) that prompted a reporting of {$800.00}. This needs to be fixed for ALL customers who receive this form from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Account was refinanced but company reported a late payment to XXXX, account information was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Opened an account with Bank of America on XX/XX/23 via online application. I was notified by email that the account was approved. I logged into the account and recorded the account and routing number. I then went to a BAC branch located at XXXX XXXX XXXX XXXX, XXXX, AZ and deposited a check dated XX/XX/23 from XXXX XXXX in XXXX AZ for {$20000.00}, both my wife and myself signed the check in front of the teller and the deposit was accepted with a hold on the funds until XX/XX/23 at XXXX am. 

On XX/XX/23 I attempted to log on to my account to verify that the funds had been deposited. I was unable to log on and after a phone call, was told the account was closed. I never received a phone call, or email to inform me that the account was closed, I only found out by accident. By visits to the bank and phone calls I was eventually able to determine that fraud was suspected. The bank then informed me that the only way to get my funds were have them mailed on or after XX/XX/23, even though the funds were to be released on XX/XX/23.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
A Vanilla Visa prepaid debit card in the amount of {$500.00} ( along with a {$5.00} purchase fee ) was purchased on XX/XX/XXXXXXXX  from the XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of the card being purchased, there was no indication that the packaging had been altered or otherwise tampered with. On XX/XX/XXXX, I opened the card packaging in order to use it only to discover that the actual prepaid card had been replaced by a XXXX gift card with a {$0.00} balance. It appears that the barcode of the actual prepaid Visa card used for activation at the point-of-sale had been photocopied and taped onto the back of the XXXX store gift card and then repackaged so as to appear legitimate. I immediately contacted the Vanilla customer service phone number on the packaging to report the fraud and ask for a refund. I provided all of my contact and identifying information to the phone agent. I also immediately sent an email to InComm as requested with several photos of the packaging, the purchase receipt from XXXX, and my XXXX  driver 's license. The internal case number assigned is XXXX. 

I've made multiple phone calls to the vanilla customer service line and to the InComm corporate office in XXXXXXXX XXXX  to request an update on the resolution, but have received no substantive response from them. At this time, I'm requesting that a refund in the amount of {$500.00} be immediately issued to me via check and mailed to my postal address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This is my XXXX attempt at getting an accurate credit score from Experian Credit Bureau. On XX/XX/XXXX Experian decreased my credit score by XXXX points. I contacted the credit bureau to get an explanation as I felt this decrease was inaccurate. I did not get a valid reason from the representative, which caused me to file an initial complaint with CFPB on XX/XX/XXXX. 

After I filed the complaint on XX/XX/XXXX Experian increased my credit score by XXXX points. On XX/XX/XXXX Experian decreased by credit score again by XXXX points. I received a response to my complaint from Experian on XX/XX/XXXX. Either this is deliberate or there is a glitch in Experian 's credit scoring system. 

The scoring can not be based upon my credit history as my XXXX score is steadily increasing, my credit card usage with all ( XXXX ) bureaus is 0 % and there's no new debt collections added to my account that would cause a drastic decrease. 

The previous response that I received from Experian on XX/XX/XXXX did not fix my credit score issue. It stated that my credit history was a factor which is why I attached a copy of my credit card usage percentage to disprove their claim. 


Thank you 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have reasons to believe that Macys/ Citi bank violated my rights under the the fair credit act and/or violated rules and regulations of the XXXX when processing ACH payment. I was never informed of problem with the ACH payments. In a previous complaint my concerns were ignored and problems were confirmed that showed that Macys billing statements had errors and I was over charged {$25.00} with {$4.00} of that false claim interest fee. My records reported to the Credit bureau had on time payments and not one missed payment 6 months in a row. Emails confirming payments and not one alert of a return payment or missed payment. I was charged {$21.00} on XX/XX/XXXX for a XXXX debit payment placed on XX/XX/XXXX amount {$29.00} bank reference # XXXX. I was charged twice {$2.00} fee for interest on a {$0.00} balance. This error is shown on the end of year billing statement showing {$25.00} ytd fees and {$0.00} ytd in interest fees. What happen to the {$4.00} false interest fee? 

This was first brought to customer service in XXXX of XXXX when a balance of {$10.00} remained that I felt I did not owe. Billing statement prior to XX/XX/XXXX were viewable on line. And I had to request these statements and receive them XXXX of XXXX. 

Macys put in a blank dispute in XXXX when I called customer service. 

This is the mistake that Macys can not deny and was reported several times and on record. 

Macys/ Citi Bank billing statement under account transaction - XX/XX/XXXX payment {$16.00} and XX/XX/XXXX payment reversal {$16.00}. 

Citibank Client Services XXXX XXXX XXXX XXXX XXXX, SD XXXX Citi bank statement Personal checking account Balance as of XX/XX/XXXX was {$31.00} XX/XX/XXXX ACH Electronic Debit MACYS ONLINE XXXX XXXX {$16.00} To After payment Balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} I provided a copy of bank statement to show the funds left account and it was reversed without notifying me. 

This was in dispute but Macys continued to report and charge fees. XX/XX/XXXX I paid {$16.00} instead of the {$110.00} that was being charged on an over charge {$10.00} balance. Macys continue to bill late fees on {$0.00} balance and interest. My account was reported close although it shows in dispute with {$100.00} credit limits zero balance.

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 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
I had an XXXX  on XX/XX/XXXX. At the time, I had XXXX XXXX. The company failed to notify me in time to appeal to both of them to help cover the remaining balance of my bill because of an address change. At the moment I am in contact with one of them to see what happened. I am also in contact with my current insurance to see if they can be of assistance. Furthermore, when talking with someone from XXXX XXXX ( around XX/XX/XXXX ) they told me that they will send some information to help me fill out an application. I have yet to get that. I just got a letter from the debt collector and they told me I need to send a reply by XX/XX/XXXX. That letter was delayed because it was sent to the wrong address.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  is dismissed and no longer active. Report is reporting incorrectly that case is still active. Needs to be immediately updated.

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 2023-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Flagstar ran my XXXX XXXX in XX/XX/XXXX. They notified me of the shortage and I paid it in full. I paid the new mortgage payment in XX/XX/XXXX. This week I received documentation telling me that they ran another XXXX XXXX on XX/XX/XXXX and I have an additional shortage of XXXX I called them this morning and they apparently, because they didn't pay the correct amount on my tax bill, they decided to run another analysis. I can't understand how this is legal. They are not giving the option of just letting it be part of the analysis next year. I am so upset I am in XXXX  Nobody seems to understand how detrimental this is. I mean, just think... I can't trust the first analysis they provide? I have to wait to see if they will just do another one just because. I need help. They won't 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 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is complaint number 5 for the same issue. Chase continues to " lose '' my payments that are coming from a 3rd party payer. I am 3 years XXXX and have had this loan since XXXX of XXXX. From XXXX of XXXX to XXXX of XXXX, I made all of my payments on time. I became XXXX as of XX/XX/XXXX and per XXXX XXXX ( where my payments are coming from ), I can not submit my monthly XXXX statement to them any earlier than the week of the XXXX of every month, because that is where my XXXX date falls on. I have conveyed this to Chase XXXX times. I understand that my payment due date is the XXXX of each month, however, I have no control over XXXX 's policies as well. As of today 's date they have not posted XXXX or XXXX 's payment, and I continue to be assessed late fees. I have escalated this all the way up to the XXXX Office at Chase Auto Finance. I have consulted with my attorney who has advised me to keep filing these complaints and keep track of them. She has also advised me that I am NOT responsible for the late fees, as this is out of my control. To date I have been assessed {$120.00} in late fees. This whole issue is discriminatory to people with XXXX and creates unneeded stress to me which is not good for any of my health conditions. XXXX XXXX is doing their job correctly, Chase is not. I have been told that I am not the only account this happens to, which to me should be a sign that their process needs to be reevaluated and modified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF THE WEST
State: GA

Complaint narrative:
I received 2 letters from Bank of the West dated XX/XX/XXXX. One I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with Bank of the West. I had missed the 10 day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, WY. Because I did not respond within the 10 days of the date of the letter, the Recovery Department of Bank of the West ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) turned my account over to debt collector XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, WY XXXX. XXXX ) I am currently disputing this issue with XXXX XXXX. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to Bank of West. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost 4 days just getting it to XXXX. I live in Georgia. In the meantime, I was sending emails to BOW customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to 3 members of the XXXX XXXX XXXX times. One agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with XXXX XXXX and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!

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 2023-02-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I requested an open dispute 4 or 5 times by phone but all of those disputes disappeared from the record.

So I still don't get a refund. {$64.00} XX/XX/2023 Marchant : XXXX XXXX. 
The agent ( Email ) is still suggesting reopening a dispute. 
I'm tired of opening another dispute and disappearing disputes.

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