vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-22 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: IL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.

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 2024-02-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MI

Complaint narrative:
My JPMorgan Chase account was new and got hacked several times. I kept getting calls from Chase asking me security questions to verify my account. On XXXX XXXX XXXX  I got a call from someone saying they were Chase and asked my the same security questions, I answered them and they said I need to wire money so they could lock down my account and the wire would be right back in my account, Stupidly I wired it. They hacked my phone and 2.5 later I called Chase to tell them to cancel the wire and I was hacked. I got an email from Chas saying if they don't here from me they would cancel the wire by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Please refer to the following CFPB complaints previously filed by me. They describe what happened. 

XXXX XXXX XXXX I'm attaching a file that is a letter from Synchrony Bank clearing my responsibility for the charges. It states " you didn't make these purchases, so you're not responsible for them ''. 

The dentist and Synchrony committed identity theft. They do not have a CareCredit application signed by me. When they closed my CC account, it had a balance due of {$5600.00} which were charges for procedures that were never done. I wish to file suit against them both for the time, effort and XXXX  I experienced for 14 months trying to clear that balance. Also, I wish to recover {$1700.00} I paid to an attorney to help. He sent a certified letter, made several phone calls, and XXXX XXXX never responded to any of that. Both were very negligent in their responses to my disputes. The dentist ( XXXX XXXX, now XXXX XXXX ) never responded to anything but the CFPB complaints. They lied in those responses about some things.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Yes I am XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been stolen from by my wife 's sister XXXX XXXX of XXXX XXXX XXXX Missouri she stole our identitis turns out couple decades ago for reason of trust fund in my name and information My Treasury direct account in my social security number XXXX XXXX XXXX her sister has spent alot of our money and assets impersonating us and we want her AREESTED there is proof online her sister had XXXX money and now XXXX. XXXX XXXX net worth and record 's gives long list of her crimes and also XXXX XXXX trust fund record 's net worth and XXXX XXXX My wife net worth. It's All there online for her arrest because My wife and I are just now getting information about her despicable crimes against us. Our only address is XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX our only email is XXXX our only phone number is XXXX XXXX XXXX .. we want our legal trust fund and assets my social security number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am current on my mortgage with XXXX and never missed a payment and Experian has my mortgage listed as closed and discharged in bankruptcy so it makes my credit look bad to lenders and Im not getting raised points on my credit with my on time every month payments. 

I have talked to XXXX and they report my payments to credit bureau and I tried to file a dispute with Experian to get them to correct and they have done NOTHING and you cant talk to a live person to get 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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/24 I mailed a letter to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX, XXXX, XXXX. Tracking usps XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/24. The letter states that there are XXXX outdated accounts that are past XXXX years of age which is the Statue of Limitations age and this should be removed from my credit. I sent Navy Federal a letter to the address above stating the account numbers and amounts of the debts that needs to be removed due to being out dated but no response and change has been made. I have made a request to the credit bureau but they wont remove the debt because Navy Federal refusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XXXX XXXX, XXXX my car was repossessed. I had to pay XXXX to get the car back in horrible condition. I advised Nissan I was making my payments and sent in my last XXXX bank statements providing proof. I then asked Nissan to send me a breakdown of my payment history. 

XXXX and XXXX I had issues paying with the app. It would take over a week for them to process the payment and on XX/XX/XXXX my payment was declined though the money was there to cover the payment. Because of this I was told by the customer service representative to pay directly through my bank using bill pay and this is where everything went wrong. My car was then repossessed XX/XX/XXXX and I had to spend {$1800.00} in order to get it back. {$1300.00} was applied to my balance and {$550.00} for towing fees. I recently received a statement from Nissan which showed the payments they found from my previous payments and I am paid up until XX/XX/XXXX and only owe a partial payment. 

I accept responsibility for not setting up bill pay correctly with my bank but Nissan kept my payments {$580.00} on XX/XX/XXXX, {$300.00} on XX/XX/XXXX and {$300.00} XX/XX/XXXX in their account, knowing the information did not match and did not send it back to my account. Because of this I was under the impression that I was up to date with my Nissan payments. Nissan should've returned all payments that do not match which in return wouldve signal to me there was a problem. Along with the unbalanced distribution to my principal and interest balance, missing payments and extra principal payments made on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling I was not only current on payments but ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid my Comenity/Ann Taylor card in full by the due date of XX/XX/XXXX and asked them to close the account. I received a subsequent statement with a {$2.00} interest charge and asked them to credit the interest charge as a courtesy since i paid my balance in full and was no longer using the card. This request was made via email in their portal on XX/XX/XXXX. Since then, they have continued to charge me interest and late charges on the {$2.00} so that the balance now totals over {$48.00}. See the details below : XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$23.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$11.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$5.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$2.00} XX/XX/XXXX Interest Charge On Purchases {$2.00} XX/XX/XXXX PAYMENT - THANK YOU - {$100.00} I have asked them to credit the fees and I will pay the original interest charge but they continue to ignore me and call me XXXX  times a day to collect the balance. The fees they have charged me are excessive on a disputed {$2.00} balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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 suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for the amount of XXXX via mobile depocit on XXXX but the bank took the money from my account on XXXX because they say the check was deposited XXXX more time but we dont know who did it

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Creditor is showing incorrect late payments on my account for the month of XXXX and XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX Date Opened 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 non-monetary relief
Consumer complaint received 2024-02-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: TX

Complaint narrative:
Unauthorized/unverified accounts on 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The following is a letter I sent to Chase, regarding my issue attempting to lawfully obtain a signature guarantee on private securities : I am requesting a copy of your banks written policy regarding signature guarantees by your banks certifying individuals. On XX/XX/XXXX I, XXXX XXXX XXXX attempted to have a medallion stamp for my private placement security issued from XXXX and was refused service. In addition I was treated and talked to in an uncomfortable manner. From my understanding of the law as a member of your bank in good standing such request are not subject to challenge on account of personal preference. If your institution is exempt from the application of 17 CFR 240.17Ad-15 and 31 CFR {$300.00} an affirmative statement is required to rule out the presumption of racial disparity and denial of services based on the race of this member customer. 
Chase Bank has had a longstanding history of discriminatory conduct with customer with a brown skin complexion. According to your company website, In XXXX JPMorgan Chase announced its {$30.00} XXXX XXXX XXXX XXXX to help close the XXXX wealth gap and advance economic inclusion among XXXX, XXXX and XXXX customers and communities that are XXXX in the XXXX. 
SourcXXXX XXXX XXXX XXXX XXXX 
Therefore, a demand for full disclosure on your policy to deny my earnest request for a signature guarantee stamp for my security instruments. If no response is provided within 72 hours of receiving this communication it will be concluded that your institution denied my request for a signature guarantee stamp by your banks certifying officers based solely on racial discrimination and will be escalated accordingly. 


On XX/XX/XXXX, I received a phone call from Chase on which they said they would not be providing me with this service and they would be denying my request to have their policies regarding signature guarantee in writing, which per the Federal Code of Regulations, they are supposed to provide. I even read out the statute to the representative, and they still refused my request, despite them saying they are subject to the Federal Code of Regulations. I believe these decisions are racially motivated as there is no lawful reason why my request for service, or my request for their signature guarantee policy is being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my credit card was used to fraudulently purchase theatre tickets at XXXX XXXX for XXXX XXXX in the amount of {$980.00}. Unfortunately, I was never made aware of this transaction, even with mobile alerts enabled on the account. To my surprise, reviewing my XXXX transactions with my tax representative. The transaction was flagged and I immediately called Capital One. Just after getting off the phone, they immediately closed the case citing a valid charge, based on the reporting timeline. 

I found the merchants information online for the XXXX XXXX for XXXX XXXX. They confirmed the transaction was fraud. They also stated the customer information for the credit card didn't match my customer profile. They used an alternate name, email, and phone to make this transaction. Information that should've flagged an alert with Capital One. Instead, Capital One approved the transaction with ZERO notification outside of a paperless statement that is only saved within the app and wasn't properly brought to my attention. Furthermore, Capital One is charging nearly 28 % interest on this transaction on my account. So not only has my private information being compromised, Capital One is capitalizing on behalf this fraudulent charge. 

I have been a customer for several years. I expected Capital One to promptly inform me of this transaction. Capital One violated my privacy and breached the contract security terms for this card and processing. An extension to this reporting timeline for this future dated purchase should be implemented for their failure acting on my behalf for a service that was able to successfully authorize this payment with incorrect contact information. 

I do intend to file a police report as well for supporting evidence. But expect Capital One to do the right thing by their customer considering this unique circumstance. I trust Capital One will uphold the integrity of this account and relationship with their customer and take responsibility for not properly flagging this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
previously disputed these account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

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 non-monetary relief