vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: LA

Complaint narrative:
On the morning of XX/XX/2023, I had discovered that there were a total of 23 separate unauthorized transactions on my account. I immediately called Chase bank and notified them. They shut down my debit card and informed me that it would be 3-5 business days before I would receive a new one. 5 days later my card came in the mail and they gave me credit for those transactions that were not authorized. I did not know that there would be an ongoing investigation, proving that those transactions were valid. Thinking that everything was fine, on the morning of XX/XX/XXXX, all of those unauthorized transactions were suddenly charged back to my account. Immediately, I called Chase bank to find out what occurred and why were these transactions reintroduced to my account. 

The man on the phone informed me then that my claim had been denied, due to the fact that those transactions were made with a digital wallet. I rarely use my digital wallet to purchase anything. I can prove this because my wallet is in front of me. Those transactions only showed up on my account statement, never on my digital wallet log. The person on the phone suggested that I contact XXXX XXXX, which was a dead end because they are not a bank. 

I went to my local Chase branch and the woman that assisted me gave me the number to Chase Disputes XXXX. I called there and spoke to a woman named XXXX. I informed her about my issue and she offered to submit my case for reassurance, which would take 5-10 business days to process. 10 days had passed and nobody reached out to me. Consequently, I reached out to them to check on the status. A woman there informed me that my reassurance claim had also been denied. Today is XX/XX/XXXX and they have yet to send me any correspondence regarding a claim denial. As a chase customer, I assume a 0 percent liability for fraudulent transactions, therefore this is a breech of contract. Nobody has spoken to me from Chase and nobody ever will. I have almost {$400.00} worth of unauthorized transactions on my account still and they refuse to do anything about it, even though I have been banking with them for almost 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting 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 inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I was advised by a Amegy Bank Customer Service Agent on XXXX 2023 that there was no time limit on Business Accounts to file a dispute, ** ( Business Account Ending in XXXX ) filed a dispute on XX/XX/2023 on 2 amounts from the same merchant one for {$4800.00} and one for {$3900.00} on XX/XX/2023 I emailed all documents concerning the transactions including a receipt showing that I paid the {$4800.00} transaction by other means which should not have been billed to my card, I was granted a temporary credit on the {$3900.00} amount and was informed that the {$4800.00} was denied by XXXX  due to the time limit of 120 days had expired to file a dispute, informed the bank that I filed the dispute past the time limit because the agent informed me on XX/XX/2023 that business accounts had no time limit to file disputes, bank 's the bank is saying that they can see the call I placed and the notes put hey are unable to access the actual recorded conversation with the agent any longer.

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 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WA

Complaint narrative:
I am trying to change my repayment plan from a standard to an extended graduated repayment plan. Edfinancial requires a phone call to make the changes, but the hold times are insane. I called this morning at XXXX XXXX  PT and did not receive a call back until XXXX XXXX  PT. After taking my income information, the customer service rep told me it would take 20-25 days to change the repayment plan. My wife has her student loans serviced by XXXX, and changing her repayment plan was as easy as clicking a button and accepting the new terms. By requiring me and countless other student loan borrowers to jump through so many hoops just to change the terms of the repayment plan, Edfinancial is interfering with the borrowers right to modify payment terms, in violation of the promissory note between the Department of Education and the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was tenant at XXXX in XXXX XXXX  XXXX from XXXX, XX/XX/XXXX to XXXX, XX/XX/XXXX. I have tried multiple times to get this debt removed as I dont own this debt. The problem is that when XXXX was transferring management it happened to be the same month I was moving out ( XX/XX/XXXX ). I reached out multiple times to make sure there was nothing I needed to do and they said everything was good. On XX/XX/XXXX I had a impact to my credit and attempted to dispute they declined so I went to XXXX and advised I never had debt with them and everything was paid off. They advised I didn't put my 60 day notice but I had a email ti back me up they said they would look into it and get back with me. After the 2nd attempt with XXXX they were able to provide me a breakdown of the debt : past due rent, damages, and internet past due. I never once got any notification of this debt where I provided my forwarding address and email. It went straight to collections and is affecting my credit and preventing me from buying a home. When in fact I have always paid all my bills and taken good care of my credit. I tried to go to the XXXX and explain the situation where they would ignore me even tho I showed the proof of every payment and videos. The assistant manager had no other choice but to get the regional manager involved and would reach out to me. XXXX stated theres nothing we can do, that is what avion left. They in fact didn't reach out but when I called back they advised me regional manager said to contact the XXXX XXXX. I attempted them multiple times as well and nothing. I got confirmation from XXXX as well since they are my current providers that the balance was {$0.00} on there end as well. Below I attached certified mail, letters and bank statement to confirm everything I have tried. They need to remove this debt and stop having be go in circles with the same answer pointing fingers while I am being defamed and unable to purchase a home. I am mother and I work very hard not being able to purchase a home for my daughter and having to move back in with my parents has affected my mental health. Its really sad to see my credit being affected for something that is not true. The XXXX needs to be looked into because I am not the only person I attached other people that are having the same issues, I wouldn't be surprised if there are many more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Made payment from XXXX XXXX  to Chase card of {$2000.00}. Bank says payment made. Chase says payment never received. Bank verifies payment made but still no credit for {$2000.00} payment on Chase Visa credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


XXXX. XXXX XXXX  {$690.00} XXXX. XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I sent Ally Financial Irs tax forms that i had submitted to the Internal Revenue Service. Per IRS rules I had to sent the copies to Ally Financials ' tax department. After sending the Tax forms, Ally Financial sent me a letter stating that those tax forms can not be used to pay-off the remainder of the loan. I never sent the forms as a form payment, the forms were sent as to be in compliance with the Irs rules, copies were sent to Ally Financial, and copies were sent to the Irs department in the state where Ally headquarters are located in XXXX Michigan. Ally Financial sent me a letter stating that they have placed a restriction on the account and will not accept payments unless they are made in certified funds with a cashier 's check, money order, or payment through XXXX XXXX or XXXX XXXX After you have made XXXX consecutive payments in certified funds, you can call us at the toll-free number XXXX ( XXXX ) to have the restriction removed. I have tried unlocking this account since XX/XX/XXXX, and Ally XXXX Department refuses to unlock the account in order to pay via XXXX portal or via telephone. It has caused hardship for my wife and I, trying to make sure we go to a store that has money gram or XXXX XXXX, this was not part of the original contract nor was this disclosed to me, i have called multiple times to have them unlock the account or take my payment over the phone and they refuse every time, they put me on hold for long periods and give me the run around stating supervisors are unavailable and that those restrictions on account can not be lifted even by supervisors. When i ask to be transferred to anyone that has access to help me, they tell me that unfortunately they don't have a license to help people in california, then i get put on hold and retransferred to another operator and the same situation keeps happening, enough is enough i need an answer from someone within the company that should be held accountable for violating my consumer rights to not be in fear of car repossession.

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX submitted a loan application to refinance house ( Just him on application ) to Wells Fargo. During application process he DID NOT provide banking information. Due to not do not bank with Wells Fargo, he banks with XXXX ( I bank with WF ).

Few weeks into the process, we get a request asking for my credit card statement because they went through my WF bank account and need to verify who is the person listed on this account. We did NOT authorize WF to review my bank account.

I have the a copy of the credit application, where the financial institution portion is blank.

At no time did we provide them with my banking information, nor did we provide consent to access my banking information.

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 2023-08-31 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX I sent an email to XXXX they stated minor son had a credit file. I sent all of the information they requested via mail and they never the file. Ive followed up 4 times.

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 2023-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I opened a savings account with BMO on XX/XX/XXXX. I had issues with their online website to access my monthly statement. I had to be paperless or the bank would charge a fee for a statement. I could spend up to XXXX hours on the phone at a time with customer service to obtain access to my statements, so I could print a statement. I put up with this issue for 6 months. It was the last straw when I wanted to file a complaint with BMO about my online access issue, & customer service told me that there was no documentation that I had ever had any issues accessing my account. So XX/XX/XXXX I asked customer service what was the best way to close out my account. I was advised to transfer the funds from my account. Then after the funds posted at my other bank to call back in to close the account. I called BMO to close the account on XX/XX/XXXX. I was told by customer service that I would receive a confirmation letter of the account closure within XXXX business days. Which I have never received. I did receive a check from BMO for {$.00}, which I cashed. I called BMO again on XX/XX/XXXX inquiring about a verification letter. I spent over 2 hours on the phone, to 3 different customer service representatives, which gave me 3 different answers concerning a closure letter or statement. All 3 denied me to speak to a supervisor, or escalation dept., or complaint dept. I have no proof that I did close my savings account with BMO.

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