vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Hello, I purchased a gift card in XXXX XXXX at the XXXX XXXX in the XXXX XXXX of XXXX. It was a {$500.00} Vanilla VISA Debit card. The card was activated at the XXXX XXXX by the cashier and has since remained with me in my physical possession and never left my home in XXXX, IL. 

On XX/XX/XXXX, when I was checking the balance on the card, I saw that all {$500.00} had been spent. 
I immediately called up the Vanilla helpline and was told to submit a dispute with the required details. They sent me instructions on where to send the form which I promptly did. There was also a case opened with Case ID XXXX. Assurances were made that I would get a response in 45-90 days. It has been 1 year and 9 months and I have received no response, nor have I received any additional communication from the dispute team. 

The transactions that I disputed are recorded below : 1. XXXX XXXX- {$260.00} 2. XXXX XXXX- {$2.00} 3. XXXX - {$73.00} 4. XXXX XXXX- {$110.00} 5. XXXX XXXX- {$12.00} 6. XXXX XXXX- {$22.00} 7. XXXX XXXX- {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
At the beginning of 2023 I did not receive my monthly statement from Chase Freedom Credit Card. I called but was told to wait, that it was probably delayed in the post-XXXX backup at the Postal Service, etc. It still did not come. I complained again. Eventually I was given the balance information and we agreed that I would send payment right away AND that any fees or late charges would be reversed. I paid. My account was corrected. However, J P Morgan Chase still reported me as late on payment the month of XX/XX/2023. For all the years before - and - the time since - I was NEVER LATE. The bank refuses to delete the one month of late payment to credit reporting agencies. This is both very poor customer relations and is offensive to the public because the bank failed to mail me my statement. The problem was caused by J P Morgan Chase 's own operations, NOT BY ME! I voluntarily contact the bank multiple times, but it still did not send the statement. I ACTED IN GOOD FAITH by paying without a statement to verify charges. J P MORGAN CHASE BANK HAS ACTED IN BAD FAITH throughout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
I found out today that a hold was put on my account for {$8800.00}. I chatted and then called Citizens Access multiple times trying to get more information and was told a court garnishment was placed on the account and that was the source of the hold. When I asked which court, I was told they could not tell me the state, municipality or any other information and I should 1 ) call the clerk of court and 2 ) hire a lawyer. I called the judicial court in XXXX XXXX and the clerk told me there is NO record of any judgement against me in any court in New Mexico. There is also no record of garnishment from any tax agency Ive been able to find. I have no idea how its legal for a bank to put a hold on and then withdraw funds from my account without a real court order. To my knowledge, there is no lawsuit or court order against me anywhere. This feels like a scam and the bank is actively participating in it while also keeping my funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: IL

Complaint narrative:
I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed 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 delete 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX | ACCOUNT : XXXX | {$710.00} XXXX XXXX XXXX ACCOUNT : XXXX | {$0.00} XXXX XXXX | ACCOUNT XXXX XXXX | {$120.00}

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 2023-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Purchased a home with the understanding that I could refinance in XXXX  months due to needs of home purchased XX/XX/2022. The refinance was started then they denied it stating I needed XXXX more months. They had encouraged me to use my credit cards for repairs. Carrying the debt another XXXX months has trashed my credit. Wrote the XXXX  and in their response the stated that they had told me wrong information at the time of purchase and they have retrained their staff. That doesnt help me. Since then I have received XXXX notices that I am pre approved for a refinance. Each time I asked about the prior denial. Each time stating I qualified. I have all the paperwork. I have XXXX in equity that I cant use

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4.

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Regarding XXXX XXXX XXXX  on mobile phone cancelled XX/XX/XXXX. Called and chat XXXX XXXX to canceled insurance on mobile phone. Dispute charge with chase on XX/XX/XXXX and reverse the charge after a month. I went to chase branch and have them talked to fraud department in XXXX? But never refunded. No response from chase. Went back to chase branch and banker called XXXX sevrify, request for refund. Nothing happen after 10 days or so. No refund of {$240.00} sonce first attemp on XX/XX/XXXX. 

In addition, i even changed my debit card number for security purpose because there XXXX un recognized charges and after i sent back old XXXX XXXX XXXX XXXX for an exchage with new XXXX XXXX XXXX XXXX charged me {$750.00} and Even after I changed my Debit card number due to fraud chages before, Chase paid my {$750.00}. I had to investigate and i had to present XXXX all the proof. Good thing i took all the pictures of mobile phone, tracking record and insurance. Finally i was able to get money back. However Chase allowed charges from XXXX and just paid even it is fraud transaction. XXXX should never charge {$750.00} and Chase paid even after i got reissued debit card with number changed due to fraud charges before. 

Chase has paid several times to fraud chages and some of them were difficult to get money back from chase. On the other had Chase has blocked my card for some occasions when it was legitimate charges. When they do that i had to call chase to correct. Mean time when they do with at hotel check in or making reservations and travaeling, it really causes a lot of problems. 

Money got short so i had to sell my stocks. 

I see that when chase has out sourse to like XXXX, XXXX? I often experience many problems. For example, lock out my online banking access and in order to unlock, i have to call chase and goes to XXXX etc. To unlock my online banking to access my checking account. Unless i unlock i am not able to access my JPMORGAN investments. 
I wish all thr XXXX banks would not out sourse outside of united states on XXXX customers. Personal information gets out to foreign country and it is not safe. 
I need to have Chase reverse the charge immediately or send me a check for {$240.00}. Asap by XXXX XXXX XXXX 
I do not want to hear any excusese from Chase. 

Note. Chase XXXX XXXX and bankers were very professional and courteous and tried hard to resolve this issues at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I strongly believe management issue that outsourcing to overseas for us customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, we opened a 0 % interested free company credit card with US Bank. The problems started when I couldn't set up an online acct to place my card on auto pay. Me and my partner called multiple times over numerous months and no one could help up set up our online access nor did anyone know how to do it. So I could not set auto pay and I could not access my rewards. This error at US Bank caused my account to accumulate late fees, over the limit fees and interested to be charged to my zero percent interest card. I told them of the error and I think they might of waived one late fee. Every time I tried to set up an online acct their online system would generate a message " their is some type of issue with their system ''. 

Then about one month ago I spoke with a rep that was able to aid me in getting the online account set up. I tried to access my online account with the same login information a couple weeks ago and the same error message kept arising and I have not been able to access my online account. 
I received a bill in the mail saying I owed a certain amount so I decided to call in to make the payment because I could not access my acct online to pay. When I called US Bank to make payment the computer system said nothing was owed even though I had a bill stating a certain amount was owed by the due date. Then I got a phone call a couple days later saying my bill was late and I owed {$93.00}. My official bill said around {$300.00} and this is the 1st time Im hearing {$93.00} is owed. So I need the the bank to refund all fees, extend my zero interest double the time and allow me online access to my account. Also, I need to all the phone records.

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 2023-12-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please see the inaccurate reported late payments below : XXXX. Account name : XXXX XXXX  Account number : XXXX Late payment reported on XXXX XXXX XXXX 

XXXX. Account name : XXXX XXXX Account number : XXXX Late payment reported on XXXX XXXX XXXX  XXXX. Account name XXXX XXXX XXXX Account number : XXXX Late payment reported on XXXX  XXXX. Account name : XXXX Account number : XXXX Late payment reported on 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 2023-12-28 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: MS

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, ( when my very first payment was due ) a payment in the amount of {$2200.00} was paid to the original service provider ( BSI Financial Services ) through their online portal. 

XXXX XXXX ( my new service provider ) says the loan was transferred sometime late XXXX, but I did not see the snail mail from either company saying that it was transferred on that date or before I made the XXXX payment to BSI. 

I have provided multiple forms of proof showing I made a full payment to {$2200.00} to BSI and now XXXX XXXX is saying BSI only sent over {$1300.00} ( principal & interest ) and now I am missing {$850.00}. 

I have made multiple calls & emails ( around XXXX, starting around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and now XX/XX/XXXX ) to BSI to try and figure out why 1. they never sent my first payment over and 2. why they only a partial payment after I had to call and email multiple times for the payment in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters.

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 2023-12-28 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: NC

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters.

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 2023-12-28 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the XXXX data breach, has been sold and purchased illegally. Despite XXXX acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. 


The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of XXXX acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. 

I have made multiple attempts to resolve this issue directly with Experian but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. 

Please find attached the following supporting documents : XXXX. XXXX acknowledgment of my victim status. 
XXXX. Any additional supporting documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue. 

Sincerely, 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 2023-12-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Between XXXX XXXX and XXXX XXXX there are XXXX charges to my card, in GA, XXXX in CA, XXXX in MN and XXXX in XXXX Total XXXX I contacted USAA. They refused to block my card. They refused to let me speak to a fraud investigation person. They said because I don't have a cell phone and they can't send a code, they couldn't help me. Refused to email it. I was given a ridiculous list to mail them, via USPS. Ex. Color picture of my drivers license, front/back etc. I don't own a cell phone, printer or computer. How do I even do that? Anyway, they need to stop this fraud, immediately, instead of refusing to help me. How long will charges continue to be put on my account? Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-12-28 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have repeatedly disputed incorrect information on my Wells Fargo account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.

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 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: TX

Complaint narrative:
I would like to discuss a concern with XXXX XXXX ID # XXXX who stated my account had been hacked by a XXXX. XXXX XXXX instructed me to purchase XXXX {$500.00} XXXX gift cards, XXXX {$500.00} XXXX gift card and XXXX Bitcoins ( {$2900.00}, {$1300.00}, and {$2900.00} ). I was instructed that they would open another savings account and I would never be hacked again. The account was never opened.

Company response to consumer: Closed with explanation