vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My checking account and or other information was accired by someone else who charged my card for nearly {$2500.00}. Chase fraud department had called me and talked with me and were sending me emails through chase banking, and was able to send notifications through the chase app, but it was not chase fraud department. I have not lost any of my personal information ever, and the purchases were in XXXX IL, a city I have never been too in my life. Chase bank has not helped me at all in the time I had a claim with them but they haven't told me anything prior or after they finalized my claim saying I authorized multiple purchases. Also upon seeing the charges taken from my account I have first called back the actual chase fraud department in which their claim started the funds were only taken out of my account an hour or 2 before the call, I was at a jobsite in XXXX XXXX IL. I need to make sure that chase bank hasn't leaked my information or if someone within chase staff did this themselves. I will also send files and documentation when I'm certain no one else will try to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: GA

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.

has violated my rights. Or a list of inquiries : 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.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. I am a XXXX XXXX, and I am being taking advantage of. 


I have not been successful on getting rid of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: MS

Complaint narrative:
refuse to investigate and remove in accurate information from my 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 explanation
Consumer complaint received 2023-11-29 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 applied for an auto loan at a car dealership. My credit report is showing their hard credit checks as five separate pulls when they should combine into one because they were made in a 14 day window.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2023 I wake up and see that Discover has taken a payment amount of {$360.00} without my consent and claim I have set up auto pay which I have immediately revoked access to. I have reached out to my bank and they refuse to dispute the amount. I filed a complaint against discover last month and I was supposed to do 3 payments of {$68.00}, which I did but one month was XXXX because I used the last little cash back bonus to make it less. On XX/XX/XXXX, at around XXXX XXXX time I have contacted a live agent from discover that it was an error and should have been reflected back to good standing according to the complaint I filed the company responded with. I should of had a fresh start on my account with a new minimum payment and apparently that was never the case. I have tried and called them and they don't want to fix it. I even contacted my bank and they have also refuse to refund the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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: GA

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.

has violated my rights. Or a list of inquiries : 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.

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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring a serious issue to your attention regarding a recent incident involving an ATM deposit at [ Bank Name ] on [ Date ]. I, XXXX XXXX, deposited a significant amount of {$6800.00} during my lunch break, but the machine only credited {$2.00} to my account. This is an alarming discrepancy that requires immediate attention and resolution. 

Upon making the deposit, I noticed the discrepancy on the ATM screen and attempted to obtain a printed receipt to document the issue. Unfortunately, the machine failed to provide a receipt despite my repeated attempts. Understanding the urgency of the matter, I promptly contacted [ Bank Name ] to report the problem. 

During my conversation with a bank representative, I was assured that a credit would be applied to my account today. However, to my dismay, the credit has not materialized as promised. Given the substantial amount involved, I find this delay and lack of resolution deeply concerning. 

I kindly request your assistance in investigating this matter thoroughly. I implore you to take immediate action to send someone to inspect the ATM machine in question, as it is crucial to determine the cause of the discrepancy and ensure that it does not happen to other customers. 

I have diligently followed the necessary steps by contacting the bank and providing them with all the pertinent details, including the date, time, and location of the incident. Despite this, the issue remains unresolved, and I am left without answers or a resolution. I believe your intervention is necessary to rectify this situation promptly. 

Enclosed with this letter are copies of any relevant documents, such as my bank statement showing the discrepancy and any written correspondence exchanged with the bank. Additionally, I have kept a detailed record of my communication with the bank representatives, including their names, dates, and times of contact. 

I, XXXX XXXX, am deeply disappointed and concerned about the handling of this matter, as {$6800.00} is a substantial sum of money. I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a fair and swift resolution. 

I look forward to your prompt attention to this matter and a favorable resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your time and assistance. 

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 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Received Trial modification papers XXXXXX/XX/2023 by mail. Trial has XXXX payments of {$510.00} XXXX trial payment due XXXX XXXXXX/XX/2023. XXXX trial payment was made by XXXX amount {$510.00}. There is a foreclosure sale date for my house XXXXXX/XX/2023 even though I received trial documents in the mail. I read this is dual tracking please help. Dont want my house to be sold in foreclosure sale

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 2023-11-29 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I have told this company multiple times the balances are not mine. I have also asked for documents that show the services or agreement of services, but nothing more than a balanced document comes in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express offers a " Pay Over Time '' function on my XXXXXXXX XXXX. It is advertised, on their website, that you only pay interest " on the amount you choose to pay over time. '' In reality, they are applying interest to the entire card balance, including new charges which have not required payment yet. 

Ex : I underpaid my statement balance last week by about {$2200.00}. Since the end of that statement period, I had another {$6500.00} of charges which were not yet due ; they are due to be paid by XX/XX/22. 

American Express is charging me interest not on the {$2200.00} I elected to pay over time, but on the entire {$8700.00} balance of the card. 

After multiple attempts to get this amended by AMEX, I don't have a choice but to submit the compaint here. I did look in my recent card member agreement, and it discloses that they charge interest in the way I described above. But, this is completely contrary to their marketing material and the way it was sold to me when I first enrolled. I have a screen shot of their website showing that interest will only be charged on amounts you choose not to pay on each statement. It also shows that my card is one of the card this arrangement applies to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was trying to gain access to my Experian credit report and was not able to verify personal questions. They asked about a car lease loan from a bank of which I did not know. Upon gaining access at a different time, I was told the exact make and model of the vehicle. The car is the vehicle my mother " owns ''. I was not able to get any more progress on the situation as they could not verify it as my account. There is also a wrong social security number and many incorrect names on the 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23, 4 purchases made while playing XXXX XXXX ( a game on XXXX ) each in the amount of {$240.00}. Total amount {$990.00}. Although my credit card was charged 4 times, I did not receive the items purchased. 

I reached out to XXXX who stated they did not have any record of me making the purchases. I then reached out to XXXX ( the credit card processing company which is used for payment processing by XXXX XXXX ) and they did not respond after several attempts. 

I then reached out to Truist bank to dispute the charges on my credit card as the products were not received and the vendor confirmed no purchases were made. Truist declined the dispute. 

I then reached out again to XXXX who refused to refund the monies charged to my account even though the monies were not forwarded to the vendor. 

I reached out to Truist once again to reopen the dispute which was reopened and declined again. 

Today I contacted Truist and was informed that the dispute was declined as a result of the purchases were made through a third party. My purchases were made within the XXXX XXXX app which is directly from the vendor. 

I requested today that the dispute be reopened again by Truist and was denied the opportunity. 

Im at a loss of any next steps to obtain the monies for items purchased that were not received.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been a AMEX card holder since 2020. I have used the card responsibly since I had it as with all my cards. This past XXXX my credit limit was decreased from $ XXXX to {$1200.00}. They stated the reason was because I had a high usage on my other credit cards. The balances on my other card fluctuates through out the year, I am current on all my cards and have never missed a payment. This has always been the case. This reduction in my credit limit has affected my credit score significantly in a negative way. I called to have it increased again but it is unlikely I will get it because my credit score has dropped because of what they did. All I want is my credeit limit increased back to where it was at $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: PA

Complaint narrative:
I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.

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 2023-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to the credit bureaus and XXXX XXXX regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.

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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Three separate fraudulent charges were posted to my Wells Fargo account between XXXX. The amounts were {$99.00}, {$99.00} and {$99.00} from XXXX XXXX XXXX XXXX NM.. I called Wells Fargo on the XXXX while 2 of the charges were still pending and the first had been authorized and disputed all 3. I was told that it would be processed and I should hear back soon. Now all 3 charges are showing as approved on my account.

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 2023-11-29 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: GA

Complaint narrative:
The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly 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