vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: NY

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 2023-11-28 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: LA

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: LA

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This ongoing fraud claim with Chase has been quite sometime, on XX/XX/XXXX, Chase has sent a letter to me by mail in regards to my fraud claim that has been updated and unchanged... 
( REFERENCE NUMBER : XXXX ) My credit card has been compromised and I believe someone had stolen my credit card information and has made multiple purchases to the merchant " XXXX XXXX XXXX '' I have never done business with this merchant before and I have no idea who this merchant is.. Chase has made assumptions instead of probable through investigation to my fraud claim which is quite surprising since Chase is a large financial institution with banking fiduciary responsibility.. Don't you think they should at least contact the merchant about this matter instead of asking me to provide documentation and go into detail to find out who used my credit card as fraud? This makes no sense and is hard to provide on my end and Chase also knows this that's why they're sending me in circles to dodge this claim as best as possible. It's not like I do not want to provide documentation, But there is none.. Chase 's global fraud operation team DID NOT even hesitate to even investigate my claim so they dragged this claim for several months.. ( going back to XXXX ) This incompetent behavior is unethical, and does not meet industry standards of compliance, and consumer protection. They also contacted me through phone and have told me they take this matter " very seriously.. '' I talked to XXXX, from Chase 's fraud department and she told me she will get back to me on the next business day but she never did.. And, also I talked to XXXX from the same department. ( XXXX ) ( EXT : XXXX ). In the comments from the letter they sent me by " Card Executive Office '' XX/XX/XXXX they specifically stated " REGARDING YOUR REQUEST THAT WE PROVIDE DOCUMENTATION, OUR FRAUD REVIEWS ARE INTERNAL AND WE ARE UNABLE TO PROVIDE ANY DOCUMENTATION THAT WOULD SHOW WE CONTACTED THE MERCHANT. '' This level of incompetence is inappropriate, and needs to be investigated throughly on a high level from the CFPB since Chase has noticeable issues with their department and has failed to meet industry standards of consumer protection. They also have closed my credit card accounts from my personal/business even stating they have " failed '' to protect me as a consumer. CFPB please take action and investigate this fraud claim and protect me as a consumer because I do not believe Chase is an ethical bank that meets banking standards and I also believe I have lost faith in the credit system since Chase will not do anything in terms of consumer protection about this subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NJ

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 u.s.c. 1681. 
Account Name... XXXX XXXX XXXX XXXX XXXX Account # XXXX... .. Account name XXXX XXXX XXXX 
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 an account without my written instructions..

15 u.s.c. 1681 C ( 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 1681 S-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a 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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XXXX XXXX XXXX  after opening acct on XX/XX/XXXX with a {$25.00} deposit. Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation # INR XXXX on XX/XX/XXXX told would receive update in 10 business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given # INR XXXX on XXXX, its been 7 days and I still have no update. 
Received a call from XXXX, WF rep on XX/XX/XXXX. I returned his call on XX/XX/XXXX, I called again on XX/XX/XXXX. He returned my call on XX/XX/XXXX after he already closed my case. Not sure how you can properly investigate a case without speaking with the complaint. XXXX stated to me, the {$320.00} bonus was not given because I do not enter the promotional code. I stated to XXXX, the WF link do not provide a code nor was it listed in the instructions, it just prompted me to sign into my account. In fact I took a XXXX of the offer and it specifically states offer code will automatically be applied when completed through webpage as I did. I provided this XXXX to XXXX via email. XXXX stated he would take the new information to his supervisor and follow up with me, its been almost 2 weeks and I yet to hear from anyone.

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 2023-11-28 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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 2023-11-28 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: FL

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My Chase account was closed on XX/XX/XXXX. On XX/XX/XXXX, I found that I could not log in the account, so I called the bank. They also did not specify what caused the accounts to close, only the bank 's decision. The first time I called, I told you to mail me the money in my account within ten days. But when I checked the next day, they said they weren't sure, the money in the account was locked, and they could only wait a week or two. On XX/XX/XXXX, I called Chase again, they said I need to wait until next Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NY

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/2023 my Equifax score was XXXX. However XX/XX/2023 my score dropped XXXX. The only change was a XXXX XXXX balance decrease of {$550.00}, which should have increased my score by XXXX instead the opposite occurred. This is unethical and unfair business practices. 

conclusion : XXXX is participating in unfair and unthethic business practices. After decreasing my XXXX XXXX balance by {$550.00} resulting in a {$0.00} balance and a credit ultization of 14 % I should have seen an increase in my score not a decrease by XXXX pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
In XXXX of XXXX I began receiving notices from Ed Financial ( my loan servicer ) that their records indicate that my last scheduled payment had not been received. Initially I ignored this because I knew that I had made the payment and had BEEN making payments even through the Pandemic when people were able to stop school loan payments. When I received another letter in XXXX stating the same thing and showing a bill for double the loan payment I called Ed Financial. 
The customer service representative told me that they had not received payments from me since XX/XX/XXXX. I said that's a lie because I have my bank statements show otherwise. I asked her where my money has been going. She told me that they had undergone some changes to the billing address ( which I was never notified of ) and that there may be a delay since I make payments to a no longer used account. I told her someone is taking that money because it is being removed directly from my checking account just days after I post the payment. I demanded to be sent a print out showing my payment history and she told me I would have to go to my bank and get check stubs or anything else to prove TO THEM ( Ed Financial ) that I had been paying. I also demanded to know why my total outstanding loan balance is STILL over {$100000.00} DESPITE having been making payments since I graduated from school in XXXX. During that period of time I had only two BRIEF periods of loan deferment but began paying as scheduled when each ended and have been doing such for YEARS. She basically told me she was not able to give me that information and I demanded to speak with a supervisor. I was told that I would get a call in 48 hours. That never happened ... .HOWEVER they did send me an accounting of all of my payments going back to XXXX when I consolidated my loans into one payment. It is CRYSTAL CLEAR that I have been making payments for YEARS and if you look at this accounting you will see instances where the balance jumps HIGHER despite my payments. I need you to PLEASE look into this account and find out how they have been mishandling my loan payments all of these long years and why 27 years after graduating from school and MAKING LOAN PAYMENTS CONSISTENTLY that I have a balance that is literally HIGHER than when I started? Where has the money that I have been paying been going? There is not THAT much interest in the world at 4.5 % Please HELP uncover this fraud and let what I actually owe be reflected once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I'm a victim of a card skimmer that was at XX/XX/11 on XXXX XXXX in XXXX California. In less than 24 hours my case was closed as saying the transaction at XXXX on XX/XX/XXXX for {$160.00} was authorized when it was most definitely not. After quickly closing my case there should be a way to appeal the case but that option is not available. There are a lot of unauthorized transactions that keep getting denied even after uploading my Identity theft report from the FTC. This is unacceptable and I will start a class action lawsuit if I must become I'm not the only one who is getting unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am resubmitting this complaint as the last complaint did not get sent to the company, and the issue has never been resolved. This is not a duplicate complaint! CITI bank closed my CITI XXXX credit card account in XX/XX/XXXX and just before that, Citi charged a {$95.00} annual fee for my CITI XXXX card for the year XX/XX/XXXX to XX/XX/XXXX on XX/XX/XXXX. CITI has sent a letter confirming that the {$95.00} annual fee will be refunded in the subsequent statement ( see attachment highlighted in yellow ), and Citi Bank has a policy to refund all annual fees if the card is closed within one month after the annual fee is charged. I have called CITI customer service several times and got confirmed by the different agents about this annual fee refund policy. I already paid this annual fee of {$95.00} from my linked XXXX XXXX account on XX/XX/XXXX. Until now almost 3 months I have not received the {$95.00} annual fee refunded to my credit card account. I have called CITI customer service many times, and each time the CITI agent promised CITI would refund the annual fee within 3-5 business days, but the refund never arrived. I think CITI should value integrity and do as you agreed on writing. Please refund the {$95.00} annual fee of my CITI XXXX card to my account immediately. Thank you!

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had 15 missed payments with the PNC bank during the Covid times. After the forbearance period ended, I resumed making monthly payments. However, the bank consistently sent notices stating that I had to cover the overdue payments from the Covid period or modify the terms of the loan. 

They proposed a new plan, which involved extending my loan for an additional 17 years. I did not accept this offer and sent several letters requesting them to defer the missed payments to the end of the term. I could not agree to extend the loan for 17 more years ( i.e., 204 payments ) due to just 15 missed payments. 

Unfortunately, they ignored my letters, and the calls did not yield any results. Suddenly, I received a letter stating that the house had been scheduled for foreclosure, with the auction date set for XX/XX/2023. They are demanding a reinstatement amount of {$60000.00}, or the house will be sold at auction. The amount they are asking for includes the 15 missed payments from XXXX and the payments from XXXX to XX/XX/2023 while we were discussing the loan modifications and the attorney fees.

Company response to consumer: Closed with explanation