vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc.

Complaint narrative:
On XX/XX/2023, I completed a global transaction with North Lane ( Onbe ) and have yet to receive the funds. It was indicated that I should have received my funds no later than XX/XX/2023. I have contacted both my local bank and North Lane and neither can provide any updates. I have been asked to retrieve a SWIFT code from North Lane so that my bank can try and trace the funds and I have yet to be provided with one. I have followed up multiple times and have still not received it.

Im very frustrated and stressed out as I am in an urgent situation and currently sitting without any funds. North Lane is not providing me with the necessary answers or resources to try and trace the money and I have run out of contacts to try and get hold of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have a right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased on a vehicle on XX/XX/2023 online and I wired {$10000.00} and the vehicle was never delivered it was a scam. My bank tried to talk to the bank that received the money to reverse it but never got a response from the bank.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase continues to refuse to process disputes in accordance with the law. I submit all disputes in writing and they fail to respond by the deadline with anything other than meaningless form letters. 

Here is a summary of open disputes. 

XXXX ) XXXX XXXX XX/XX/2023. {$180.00} The airline caused me to miss the flight due to their incompetence and misunderstanding of visa rules for Americans entering the XXXX. Chase never actually processed the dispute properly. They credited it and rebilled without explanation, proper research, or proof of an investigation. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023, {$28.00}. This is some kind of extra scam fee. I prepaid my stay in full on my XXXX ( {$110.00} ). I gave my chase visa only for deposit. I didnt use any room service or extra services of any kind. This charge was not authorized. 
XXXX ) XXXX XX/XX/2023 {$240.00}. {$52.00} of this charge is not valid because in order to check in I had to pay an additional fee at the hotel. They refused to give me the room otherwise. The confirmation email says paid in full. This was a scam. 

Others will likely be incoming. Chase refuses to process disputes according to the law and within the required time frames unless I file CFPB complaints. Its outrageous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 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: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report 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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I purchased a year subscription for software, I located a better software and so I contacted XXXX XXXX XXXX and canceled my subscription. I was told that they only provide refunds within 30 days of purchase, for example, had I been paying monthly and I canceled, I wouldn't be paid for the following month, but since I purchased a yearly subscription and 30 days have passed, I am not entitled to a refund. I was told I have {$970.00} in credit with the company if I should decide to ever come back. 

I decided to dispute the charge with Navy Federal Credit Union, when I put in the dispute by phone on XX/XX/XXXX, I was told by the gentlemen who recorded my dispute, that I would receive a provisional credit within 10 days. I called back on the 9th day to confirm the provisional credit, and the young lady I spoke to put me on hold came back to the phone and assured me that my provisional credit would be on my account by XX/XX/XXXX. I checked my account on XX/XX/XXXX, and the credit was not on my account. I called Navy Federal and was told this transaction did not fall under regulation e, that I would not be getting credit, and that this dispute would take 120 days. I am not sure if the transaction falls under regulation e or not, but from what I read it appears it do, can you please assist me with this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/23, I called Capital One to confirm that my Global Entry application fee of {$100.00} will be refunded to me AS PART OF A CARD MEMBER BENEFIT. 

I was told by the representative a rebate of {$100.00} will be credited after a few business days. 

As of XX/XX/23, Capital One did not issue the rebate. 

I called Capital One on XX/XX/23 and spoke with XXXX at XXXX XXXX 
XXXX transferred me to her Supervisor XXXX at XXXXXXXX XXXX 

XXXX said {$100.00} would be refunded in 24 hours. 

As of XX/XX/23, Capital One has not refunded {$100.00} to my account. 

Capital One claims the representative originally gave me the wrong information. Even if that is so, I should not be losing money due to their error. If not for this misrepresentation, I would have used any of my other cards that provide a rebate for the Global Entry Fee. 

If that was not enough, even their Supervisor XXXX, is engaging in falsehoods by promising a refund but not processing it. 

All of the above can easily be verified by reviewing a recording of the calls I made to Capital One on the above dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Last year, XX/XX/XXXX, my Citibank credit card was hacked. So I immediately called Citibank to report and investigate about it. They told me to pay the balance on the account first, then theyd look into the problem, told me to wait 3 months, and then would give me a call so I paid the payment. But after I waited 3 months, I didnt receive any call, so I called the Citibank again and another different representative picked up my call and told me to pay minimum payment first again and theyd investigate the fraudulent transactions. And also said that the credit card was changed but I didnt received any new card. And after 3 months I called the bank again but this time they said they have changed another new card for me and that theyd give me credits but I didnt get a new card and any credits. Again told me to wait 3 months. Between then I made calls about the case but I didnt get any certain answers from Citibank . XX/XX/XXXX, 2 weeks ago I called the bank again, told me to wait 14 days but it has been more than 2 weeks, didnt receive any response from the bank.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2023-08-28 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: WA

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I was also never late and I always pay on time. Please remove this inaccurate information and accounts that can not be verified. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Im filing a complaint against Freedom Mortgage for negligence.

The basis of my grievance is that Freedom Mortgage is responsible for a burden that prevents my family from purchasing a home and establishing ourselves in XXXX XXXX. My brother, his wife, and daughter moved to XXXX XXXX  from XXXX  a little over a year ago to be closer to family and more importantly contribute to the medical care ecosystem in XXXX XXXX. As a XXXX, he felt a sense of duty to work in this environment and help strengthen the quality of care available. Freedom Mortgage is servicing my current mortgage to which my brother is a co-borrower, and they have failed several times to record timely payments. The erroneous payment recording which is entirely their negligence has resulted in multiple negative items affecting my credit report and my brothers as well. It has been extremely stressful and quite costly for my brother to continue to rent while the real estate market and interest rates are on a gradual incline. Were only asking this mortgage service company to contact the credit bureau and withdraw the erroneous late payment reports as promised that they would and several representatives stated that they did. Weve attempted this for over 3 months now and every contact person from that company seems to have a different set of information. So far nothing is remotely leading to a solution, were just getting fragmented unclear responses and they insist that we take it up with the credit bureaux ourselves.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I was laid off from my employer on XX/XX/2023. I contacted MoneyLion regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted MoneyLion and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: ID

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/23 I received notice that a credit inquiry was made under my name and information. I did not apply for new credit but upon calling JPMorgan Chase, I learned that someone open a credit card in my name. JPM has stated that this will be investigated and the card will be cancelled. I am awaiting confirmation through mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: MA

Complaint narrative:
I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX The account labeled as XXXX  with Account # : XXXX is not mine, and I respectfully request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2023-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have a right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with non-monetary relief