vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Urgent Assistance Required for Fraudulent Activity Involving Chase Bank Details of the Incident : On XX/XX/2024, I received a call on my personal cell phone from what appeared to be a legitimate Chase Bank phone number. The caller identified himself as a Chase representative and inquired about recent wire transfers on my account ending in # XXXX. He even mentioned the exact balance in my checking account. When I confirmed that no such transfers had been made, he claimed someone was attempting fraudulent wire transfers and insinuated it was an inside job. 
The caller then stated that he needed to investigate further and would contact me shortly. Before hanging up, he explicitly instructed me not to discuss the matter with anyone.

Approximately ten minutes later, he called back. He directed me to withdraw {$6500.00} from a specific branch and deposit the funds into a different branch, emphasizing that I should not inform any bank employees due to the alleged inside job. 
To ensure legitimacy, my husband called the number the individual was using, and it matched an official Chase Bank number.

The caller proceeded to set up a Chase wallet card in our name and instructed us to deposit the withdrawn cash into the Chase ATM under this new cards account. Trusting the situation, we followed his instructions. Within minutes of completing the transaction, both the money and the card disappeared.

Later that day, the caller contacted us again. While I kept him on the phone, we returned to the bank branch, hoping they could identify the individual or trace his identity. Instead, the branch manager took the phone, told the caller he was a scammer, and abruptly hung up.

Current Situation : Chase Bank has refused to assist us in recovering our lost funds. From my research, this type of fraudulent activity has occurred with Chase Bank multiple times. Despite their knowledge of these schemes, the bank has offered no resolution or support. 
Request for Assistance : We are seeking urgent help to : 1.Investigate this incident and hold Chase Bank accountable for their inaction.

2.Recover the {$6500.00} stolen from our account.

3.Address the repeated nature of these scams involving Chase to prevent further victims. 
This fraudulent activity has caused significant financial and emotional stress. We are requesting that the CFPB intervene to ensure accountability and resolution.

We have contacted Chase Executive Office. They have been unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: KS

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX  XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} Fraudulent Inquiry to Be Blocked and Deleted : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated 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 non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, nor do I recognize their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are supporting documents for your review and reference.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I applied for financing with " Toyota Financial Services '' for an auto loan on XX/XX/year> thought XXXX Toyota in XXXX  XXXX. I was told I was refused financing based on fraud and or not being able to verify identity. When I asked what " fraud '' they can't say because the dealership says it was denied by Toyota Financial Services and they don't know. When I call Toyota Financial Services, they can't give me any information because I don't have a loan. They refer me back to the dealership. I just want to know " what '' kind of fraud? I gave them all the information someone would when applying for an auto loan. I think I would have a right to know so I can address it. 

A week ago this also happened to me in XXXX XXXX TN when I tried to purchase a vehicle, denied for fraud, not explained, nothing. 

I live in Florida, and have been shopping outside of XXXX Toyota Financial, because of lower interest rates offered in these areas, not to mention selection. 

I have taken numerous hits to my credit, which is excellent, which will now suffer because of Toyota Financial Services. 

Beware of shopping around for the best deal, including interest rates, with Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
With all my credit card companies I have setup email alerts about the payment due date. 
Bank of America is the only bank that sends due date email notices with only the Minimum Amount Due.

It is a correct information, but deceiving incomplete information. People may mistakenly think that they only need to make the Minimum Amount payment, and then enter into the credit card 's interest payment cycle.

Every other bank sends a notice with both, the Minimum Amount Due as well the the Full Balance Due.

Bank of America is intentionally misinforming its customers as it does not provide the complete information. 
Attached is a screen print of Bank of America 's email.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX AZ XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding my recent interactions with TransUnion 's customer service representatives, specifically with XXXX from the XXXX XXXX XXXX  and XXXX XXXX from the XXXX XXXX XXXX 

On XX/XX/year>, I contacted TransUnion to address an issue related to my credit profile. During this interaction, XXXX refused to provide his first and last name, which I believe is necessary for accountability and transparency in customer service. Furthermore, he was uncooperative in assisting me with my request. 

My experience with XXXX XXXX, who identified herself as a supervisor in the XXXX XXXX XXXX, was equally frustrating. She made the process of submitting a complaint exceptionally difficult and refused to access my credit profile despite my legitimate request. 

I find this lack of cooperation and transparency unacceptable, especially from a leading credit bureau. As a consumer, I expect a certain level of professionalism and assistance when dealing with issues related to my credit information. 

I request that you investigate these incidents and take appropriate action to ensure that other customers do not have to endure similar experiences. Additionally, I would appreciate it if my original request could be addressed promptly and effectively. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX UCC 1-308 Reserves all rights

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 2024-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I had tried to remove the pmi on my home loan thru loan depot, because it is mortgaged at less than 73 % of the purchase price. Typically it is removed at discretion of lender if it is at 20 %. I am at 27 % even if my home did not go up in value. Which homes in my neighborhood have increased past my purchase price. They refused to remove it and state that I am not eligible to remove it and must refinance to remove it. This is a predatory business model that would not be fair. I have a 2.9 percent interest and could not afford my home if the interest rate was higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

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 2024-11-27 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: TX

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was charged the annual membership fee of {$550.00} on my Chase Sapphire Reserve card on XX/XX/year>. I closed the account on XX/XX/year>. 

I made an inquiry call about the information and conditions of closing the account on XX/XX/year>. During this call, I was informed by the Chase customer service specialist that although there is an automatic refund if I close the account within 30 or 41 days of the membership fee being charged, they will manually refund me the fee as long as I close the account by XX/XX/year>. Since I still had an unpaid balance and unrealized rewards on the account, I thought I could wait. 

On XX/XX/year>, I made the call to close the account and was re-assured by another specialist that I would AUTOMATICALLY get my refund within the next two billing cycles. However, I have not yet received the promised refund of the annual membership fee. 

On XX/XX/XXXX, I followed up after waiting two months for the refund. Chase informed me on the call that the manual refund was not guaranteed, and despite the supervisor submitting the request manually, it was declined. They acknowledged the misinformation given in the two calls before I closed the account but said there was nothing more they could do.

Had I known the refund was not guaranteed, I would not have closed the account. Why would I cancel a card I used for only a month after paying the full year 's membership?

Per Chase, all calls had been recorded, and they acknowledged the misguided information provided, but would not take the responsibility of refunding me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX12/14 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief