vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.

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 2023-11-16 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: VA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am so disappointed with XXXX and Equifax ' process of reinvestigation. XXXX has already removed such invalid and inaccurate accounts back on XX/XX/XXXX, yet these two consumer reporting agencies are still reporting the same information on my file. I sometimes come to think that these credit bureaus are not communicating with each other in terms of providing proper resolution to factually incorrect and inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days. After a month the bank did not returned my funds, and a followup the the bank provided XXXX information on my balances or refund status. Additionally, the bank did not allow me online access to see that balance in my account balances are accurate and current. 

I filed a CFPB complaint on XX/XX/XXXX ( Case XXXX ) that requested the bank provide the following : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. Please note, banks are not allowed to withhold balance information from their clients. 

Truist responded to this by re-sending me the original closure letter stating the account was under review on XX/XX/XXXX. In the months to follow I periodically called their customer service line, however no additional information was provided. 

It has now been 9 months since the accounts were closed and 7 months since Truist 's response. No further information nor access to my accounts or account balances or statements has been given. 

I have spoken to legal counsel who informed me that Truist has been in violation of numerous federal regulations in the handling of this - from not providing me account information, to incorrect handling of ACH returns, to their communications not meeting regulator requirements. He recommended I take legal action, however I do not wish to go down that road. I simply want my money in my account returned to me immediately. 

This serves for all 6 checking accounts closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a savings account at Chase JP Morgan Bank. 
Account Number : XXXX Account Name : XXXX XXXX and XXXX XXXX ( Hight School Checking ) I recently disputed three debit card transactions with Chase. My claim # is : XXXX The disputes are for $ XXXX XXXX Transaction Date XXXX {$100.00} XXXX Transaction Date XX/XX/ $ XXXX XXXX Transaction Date XX/XX/23 I told the rep. at Chase that all the charges were fraudulent. They did a research and said that the charges are from an XXXX XXXX device. They denied the fraud claim because it was connected to a previous payment transaction. Basically since it's my device, and it's a financial transaction, I have to go to XXXX. They say that they are not responsible. I told them that there is evidence that a phone can be hacked, and the XXXX Signal could be interrupted by the airways. I pointed out this article published in XXXX XXXX. 
This is the link to the article : XXXX XXXX XXXXXXXX I told them that I can get a police report but they do not care. They denied the claim. I did say that I'm a client for over 25 years and keep over {$7000.00} in their account. This is the same as someone stealing my credit card. They money was basically taken from my bank ( Chase ). XXXX was just the middle man that gave my money to the vendors. The signal was stolen ( same as my credit card information ). The signal contained my credit card information. I don't think I have to pay this. Chase is not being fare since they have insurance that covers this and can just tell their merchants that this was fraud. I could use some assistance here. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
Credit Collection Agency, Columbia Debt Recovery, reported a debt of {$260.00}. The original creditor is XXXX XXXX XXXX. The date reported was XX/XX/2023. I never resided at XXXX XXXX XXXX. Called XXXX XXXX XXXX and provided personal information. XXXX XXXX XXXX informed me they do not have any previous account that matches my information. Contacted Columbia Debt Recovery and was guided to file a police report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
Our business checking account at Mercury Bank ( https : //mercury.com/ ) was sent two wires from XXXX XX/XX/2023 and XX/XX/2023. Mercury failed to inform us that there were issues with their wire transfer infrastructure. The wires totaled $ XXXX. Their customer service has been unresponsive, and it's been 16 days since investigation with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
My purse including my personal information was stolen 2018, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : 1.NATLCRSYS/ 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 this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Spring Oaks Capital LLC is continuing to post fraudulent information to my consumer report. XXXX XXXX XXXX   is fraudulent and I have filled out an identity affidavit with the FTC and provided the company with supporting documentation. They have been notified by myself and other consumer reporting agencies, but they have ignored my claim multiple times. The affidavit was filed on XXXX  It is now XXXX  and the fraudulent information is still being reported on my credit report. This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Which states that fraudulent information should be removed from consumer reports no later than 4 business days of notification. Spring Oaks Capital also violates 15 U.S. Code 1681b ( a ) ( 2 ) which states the consumer has to give written instructions to what is allowed on consumer reports. I have not given Spring Oaks Capital any instructions to post information on my credit report.. If so, proof will need to be provided. If there is no proof, then this is a violation. They have also responded by saying they have supporting documents like bank statements, bank verification, agreements, ledgers and signed policies. I have NO KNOWLEDGE of any of these items that they speak of. They have received all documents ELECTRONICALLY with NO PROOF that the account was actually opened by myself. ANYONE can open an account electronically. By continuing to post this fraudulent account is negligence. This account will need to be DELETED/REMOVED from consumer report ASAP. 
I will be attaching the supporting documentation that was sent to Spring Oaks Capital in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to the Ashley furniture store to look at some furniture for my house. When I went to pay for the furniture I chose, I was offered an Ashley card by synchrony bank. I didn't want to open a new card but as I was told that I would have the advantage of having 1 year of no interest fee I thought it would be the best option. Several credit card companies give you this advantage of not paying an interest fee in the first year, I thought that would be the case with Ashley credit card too. It was not explained or clarified to me that after 1 year, if I still had a balance to pay, I would be charged all the interest fee that had not been charged in 1 year. I was not notified. The process of opening the card was very easy, too easy! 
So, every month I paid a little on the card and after a year I still had a balance to pay. I then thought that I would start paying the interest fee from XXXX but to my surprise I was charged the entire interest fee for 1 year. {$1800.00}, almost {$2000.00}. I was in shock! I've never seen such a misleading promotion. I contacted the bank but they said it was a promotion and that they sent me statements showing that I would be charged. I have not received any correspondence from them in my mail. Their website where I log in to make payments is very bad, it is not informative. I contacted them but they don't offer me any solution, they really want to receive this interest rate. I don't think it's fair since this should have been made clear when we were opening the card. They make it easy for you to open a card with them, it took less than 5 minutes to open and no information was given to me about it. I feel deceived. Why they didnt explain this before? This is a very important think I should had known before I opened a card with them.. thats sad a company as big as synchrony bank need to do this

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 2023-11-16 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
This Car had too many problems the 2nd day I had it.

It also had 3 cracked rims someone tried to fix it .and problems with alignment. 
The warranty was not honored which is a breach of contract. 
Also, They never disclosed to me that they were gon na take my financial assets.

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 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am writing to express my deep dissatisfaction with the recent outcomes of my applications for a business line of credit with Chase Bank. I applied for this financial product on two separate occasions and, unfortunately, received denials for both applications. 

After the initial denial, I took proactive steps to address the concerns raised by the bank regarding my income and contribution to the business. Despite making the necessary adjustments and providing additional documentation, I regrettably received a second call a month later, conveying the same results. During these discussions with XXXX XXXX and the underwriting team, I explained that, as a retired military personnel, I do not receive W2s. However, I assured them that my income and credit score are more than sufficient to meet the requirements. 

I have diligently provided the bank with income verification letters to substantiate my financial position. Unfortunately, it seems that the underwriting team is unwilling to acknowledge or recognize my income, raising serious concerns about the fairness and transparency of the evaluation process. 

My primary concern is the inconsistency between the bank 's acceptance of my applications over the phone on both occasions, only to be followed by subsequent denials. If I did not meet the qualifications for any of the business products, it begs the question as to why my application was processed over the phone in the first place. 

At this juncture, I am left with the impression that the denial may be more rooted in redlining based on demographic factors rather than a genuine evaluation of my ability to repay or my qualifications for the business line of credit. I find this deeply troubling and contrary to the principles of fairness and equal opportunity. 

I am reaching out in the hope that we can address these concerns promptly and transparently. I kindly request a thorough review of my applications, taking into consideration the provided income verification letters and my overall financial standing. I believe in the importance of fair and unbiased lending practices and trust that Chase Bank shares these values. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures equal treatment and opportunity for all applicants. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXXXXXX XXXX, I received an email regarding an {$80.00} XXXX transfer that I did not initiate. Following the instructions in the email, I immediately contacted the XXXX number provided as it suggested for any unauthorized transactions. During this call, I was informed that a new XXXX  email had been added to my XXXX account and used for the unauthorized transfer. Furthermore, a new recipient was also added to my XXXX account without my authorization. The representative I spoke with took prompt action by removing the unauthorized recipient and email associated with the transfer. They also provided me with a XXXX number to call the following day to update my online credentials, since that department had closed for the day. 
The subsequent day, I contacted the provided number and received assistance in changing my username and password. Additionally, the agent facilitated the closure of my account and transferred the remaining balance to a new account. They advised me to scan my phone before logging back in with the new credentials, ensuring added security measures. 
Prior to these incidents, I received a voicemail on XX/XX/XXXX, urging me to contact the Wells Fargo Fraud Prevention center at XXXX and reference case number they left in the voicemail. Upon doing so, I was notified of unusual logins from locations outside my usual area of activity, such as California and XXXX. Additionally, verification of personal information regarding a recently opened checking account was requested. Once verified, I was assured that my account would not be closed. The agent also assisted in updating my online credentials as a precautionary measure. 
In summary, I am unfamiliar with the recipient to whom the {$80.00} was transferred. Moreover, I did not authorize the addition of XXXX email to my XXXX account for the transaction in question. I kindly request that the funds be returned to my account, as this transfer was unauthorized. 
I sincerely appreciate your prompt attention to this matter and the assistance in rectifying this situation.

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