vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My husband and I signed up for a Chase XXXX XXXX credit card in late XXXX XXXX when we signed up our bonus offer was XXXX points after spending {$3000.00} within the first three months. We completed the terms and spent upwards of {$8000.00} and the points never got credited. Today, I called chase who informed me the offer was for XXXX points. That was never disclosed or communicated to us during enrollment or thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
If, after any reinvestigation under the paragraph ( 1 ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall .... 

( I ) promptly that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2023-08-25 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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 i walked into a chase branch asking for a bank statement when i noticed my balance over XXXX XXXX dollars I instructed the teller that i was not aware of the balance being so high and if she could give me more details as to deposits. This teller not doing her job correctly immediately contacted Chase fraud department and placed my account on hold pending investigation. What Chase has done is illegal and wrong morally and physically. 
I asked a simple question at the bank and the inexperience of the teller has lead to the hold of over XXXX XXXX dollars. 
Chase initially instructed me that the funds would be on hold for 5 business days after which they would send me a cashiers check. 
After 5 business days had passed they placed an additional hold of several weeks not providing a timeframe of when my funds will be released.Which is totally unacceptable.

They have not provided a justifiable reason for this hold other then a inexperienced teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2023 I reached out to Experian regarding a XXXX-point score drop on my credit report. I instantly checked XXXX and XXXX to see if I was impacted the same way as Experian, but all looked good. Infact, my paid off credit card has reflected and my score increased for both bureaus. Experian, however, can not justify the minus XXXX points. 

There was no action taken, I was informed that they can not put in a dispute because the score generates by the FICO score. I explained that there are two other companies who use the same system but can justify a score drop especially when it so high. Experian can not show me.

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 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In according with the fair Credit Reporting Act 15 USC 1681 & Fair Debt Collector Practices Act 15 U.S.C 1692 XXXX, my rights have been violated my rights. 

Negative Accounts 1 ) XXXX XXXX # XXXX XXXX  XXXX ) XXXX # XXXX ( Never Late ) 3 ) XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602.A : states I have thge right to privacy.

15 U.S.C 1681 section 604 : It also states a consumer reporting agency can not furnish a account without my permission.

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 2023-08-25 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: SC

Complaint narrative:
TRANS UNION IS IN VIOLATION OF BREAKING THE LAW, CONSUMER LAW AND RIGHTS, A SERIOUS BREACH OF TRUST. TRANS UNION YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO TRANSUNION ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL XXXX BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. REMOVE ANY PERSONAL INFORMATION THAT YOU DID NOT GET PERMISSION FROM ME OFF OF MY CREDIT REPORT AGAIN YOU HAVE VIOLATED 18 USC 1028 A AGGRAVATED IDENTITY THEFT. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION 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 2023-08-25 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: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  CHIME - XXXX XXXX  Reported : XXXX XXXX, XXXX These reporting errors on my credit, with SS ending in XXXX. These reports are false and incorrect, I want them removed as they are a violation of my fair credit report act. 
I have no knowledge of them nor did I apply or select those services. These are a violation of Section XXXX23 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute and The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
As I am requesting these inquiries to be removed properly in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunbit, Inc.
State: MO

Complaint narrative:
I previously requested completion and return of W-9, Per 31 CFR 1010.230 - Beneficial ownership requirements for legal entity customers, I submitted the documentation with my assumed name certificate state of Missouri and a IRS approved 1099-C to cancel most of the allege debt, all were ignored by the CFO and management team.

I ask to stop calling daily, including Sunday morning. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection. In addition SUNBIT is in violation of : 15 U.S. Code 78ff - Penalties, ( a ) Willful violations ; false and misleading statements ; ( b ) Failure to file information, documents, or reports; ( c ) Violations by issuers, officers, directors, stockholders, employees, or agents of issuers. 

18 U.S. Code 1341 - Frauds and swindles, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

18 U.S. Code 1343 - Fraud by wire, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: PA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. 
I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I am a XXXX  currently. I will be until XXXX, XXXX which is when I graduate. Currently studentaid.gov shows I have an " Unsubsidized Loan - XXXX University '' with a " SCHEDULED REPAYMENT START DATE - XX/XX/XXXX ''. How can this be? After waiting 41 minutes on hold to speak to somebody at Student Aid, I was transferred over to Aidvantage at their XXXX number. It's been over 57 minutes now and nobody is picking it up. This is a complete waste of my time and shows a lack of respect for students.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
XX/XX/2023 This issue involves the handling of our account, escrows and unfair and capricious amounts of monthly payments. PenFed Credit Union has raised our monthly payment due to the following : 1. Paying taxes XX/XX/XXXX  which were due on XX/XX/XXXX  and stating that they were in default. ( They paid taxes in XX/XX/XXXX  for XX/XX/XXXX  taxes of {$3000.00} ). 2. Changing our monthly payment of interest only from {$1400.00} to {$3000.00} due to the addition of escrow. 3. Telling us as customers that if we don't pay the full {$3000.00} then we will be in default and that it will be deemed a partial payment. The loan amount is {$160000.00}. 4. Putting on a forced placed insurance when we already have insurance in tact. Their rationale is that if you were months behind on your property taxes, that they will automatically start escrowing for insurance as well. It doesn't matter to them that you already have insurance. 5. Making errors as it relates to mortgage escrowing. The company returned {$1700.00} due to overcharging. 6. Escrow payments should be spread over several months. 7. PenFed is not considering the increase in payments from {$1400.00} to {$3000.00}. 8. PenFed is attempting to hurt our credit by claiming partial payment of {$2100.00} on a {$160000.00} loan. They are seeking {$3000.00} for the month of XX/XX/.

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 2023-08-25 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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I called US auto sales for my contract before they closed down and kept getting the run around. Now the new company Westlake that bought it wont give me a copy of the contract I signed. Ive been over charged and charged extra for insurance when I already had insurance on the vehicle. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: PA

Complaint narrative:
TransUnion and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and TransUnion just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.

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 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Insurance Claim Event occured. XXXX (? ) XXXX XXXX payout around $ XXXX was sent to me, however, unfortunately had to go through mortgage escrow. We followed all of the requirements asked of our mortgage and were able to get some of the funds release ( only about 50 % ). XX/XX/XXXX, the mortgage was sold from XXXX to Shellpoint. XX/XX/XXXX almost all repairs completed including about $ XXXX in flooring replacement. XX/XX/XXXX finally had final inspector pass us with XXXX for full funds release. XX/XX/XXXX, finally get out of Shellpoint that they will not accept inspection from XXXX and request new inspection. XX/XX/XXXX, inspector ( from MCS ) comes out without setting an appointment and XXXX contact with us, and inspection attempt fails due to not being able to get through neighborhood gate ( again no contact with me attempted. XX/XX/XXXX finally new inspector comes out from Shellpoint. XX/XX/XXXX, Shellpoint has 100 % passed inspection report. XX/XX/XXXX, Shellpoint refuses to release funds and wants a lein to happen first from the contractor ( XXXX XXXX- whom I highly recommend ) who hasn't been paid since completing amazing work on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I submitted complaint number XXXX on XX/XX/2023 with the Consumer Financial Protection Bureau XXXX On this day, XX/XX/2023, I received a response from financial institution Ally Bank. Their response to my complaint and overall complete lack of support would encourage fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

The response provided by Ally Bank did not address my issues, it provided just a dated summary of actions. Ally Bank did not address my issues in my complaint. I provided detailed information regarding the fraudulent activity and none of it was reflected in their response. 

I have been a faithful accountholder with Ally Bank for seven consecutive years. I do not agree with their decision to close my account as I was a victim of fraud. I understand and agree with their terms of agreement ; however, I was coerced to send the funds. I did not send them voluntarily. Therefore, my circumstances does not place me within category of their terms of agreement. 

When I did gather the courage to dispute the transactions, I was not contacted by an investigator as promised. It was important that I communicate with an investigator as there were extensive details explaining the coercion and inhumane treatment which was not reflected on my account/transaction summary whatever. 

The moment I withdrew my disputes out of fear for my life, Ally Bank made no effort to question my decision. They immediately followed protocol to withdraw the dispute, whereas there was no followed protocol when the disputes were implemented. 

As a victim of fraud and a loyal accountholder, I was sure that my financial institution would support me, at minimum, by reaching out to me. I received absolutely no support from Ally Bank. 

By disputing the transactions, it resulted in me losing my account. 

This encourages fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

Additionally, XXXX completed closed my account with no explanation.

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 2023-08-25 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: GA

Complaint narrative:
In XX/XX/2023- I made complaint to this credit agency regarding INACCURATE AND INCORRECT information being reported on the consumer report WITHOUT MY PERMISSION. 

XXXX. XXXX XXXX is being reported as a delinquent account without my permission - violation of 15 USC 1681 ( b ) - the account is NOT in delinquency. SHOULD BE UPDATED TO REFLECT AS PAID or REMOVED IMMEDIATELY. 

XXXX. All DEPARTMENT OF EDUCATIONXXXX are still reporting late payments! This is FALSE AND INACCURATE. Both XXXX and Experian do NOT report such inaccuracies as the accounts are PAID. Experian needs to CORRECT THE REPORTING FOR ALL STUDENT LOAN ACCOUNTS to reflect its status as PAID! There are NO late payments. ( see attached evidence of the reporting shown via XXXX and XXXX. ) XXXX. There is a COLLECTION account that was previously removed that is now being again reported to the consumer account! THIS IS FALSE AND INACCURATE information! - XXXX XXXX XXXX is being reported as a {$130.00} past due which is FALSE! This issue was already reported as being inaccurate and incorrect by the apartment complex directly ( please see attached email proof ) // THIS ACCOUNT IS ALSO REFLECTING A COMPLETELY DIFFERENT DEBT COLLECTOR FROM THE PREVIOUS. False and inaccurate all around - REMOVE THIS ITEM IMMEDIATELY. 

XXXX. The identifying information being reported is false and inaccurate. REMOVE THE FOLLOWING ADDRESSES IMMEDIATELY : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THE FOLLOWING EMPLOYERS ( INACCURATE ) - XXXX XXXX - XXXX XXXX XXXX THESE INACCURACIES AND FALSE MISREPRESENTATIONS BEING REPORTED BY SUCH AN ELABORATE MECHANISM ( CREDIT AGENCY ) ARE ADVERSELY AFFECTING MY PURSUIT OF HAPPINESS IN OBTAINING CREDIT AND LIVLIHOOD. 

CORRECT THE ISSUES IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation