vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
There are XXXX different companies I was involved in scam disguising as trading platform for trading XXXX XXXX The total amount is in excess of {$500000.00} USD. 

The trading platform companies are XXXX, XXXX and XXXX The money was transferred from XXXX of my bank account. One was Chase Bank and the other is XXXX XXXX  The funds were transfered to XXXX and XXXX XXXX XXXX 

I have approached all the above financial institution and have not received a favorable response from any of them. 

The amounts that was transferred from Chase bank are listed below. Some of them to XXXX and most of them was for XXXX ( trading platform ) {$25000.00} on XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 {$15000.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023 {$40000.00} on XX/XX/2023 {$20000.00} on XX/XX/2023 {$24000.00} on XX/XX/2023 {$6000.00} on XX/XX/2023 {$10000.00} on XX/XX/2023 {$19000.00} on XX/XX/2023 {$20000.00} on XX/XX/2023 {$8000.00} on XX/XX/2023 {$7900.00} on XX/XX/2023 {$150.00} on XX/XX/2023 XXXX, Around XX/XX/2023, XXXX USD from my XXXX account to a XXXX-exchange platform named XXXX 

Trading platforms : XXXX disguises as gold futures and provide buy sell signal and when the profits reached over $ XXXX, they said, I have to pay taxes and after paying the taxes, they declined to release the funds. 

XXXX and XXXX  - Intentionally give wrong trades with excessive hedging and take away the funds pointing towards market changes. 

I still have there telephone number contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: MI

Complaint narrative:
I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors

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 2024-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This complaint is regarding the Wellsfargo XXXX XXXX service. I use the account to pay for my monthly bills including my Student Loan payments. My student loan payments resumed XX/XX/XXXX. I sent payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payee information entered by me on XXXX XXXX is US Department of Education, XXXX XXXX XXXX, XXXX, GA, XXXX. The payments sent XXXX, XXXX, XXXX, and XXXX of XXXX on the dates listed above were all sent electronically via Wells Fargo XXXX XXXX per the information I entered. However, the payments from XX/XX/XXXX and XX/XX/XXXX were sent via check. These XXXX payments were sent to the wrong address by Wells Fargo. I have the XXXX proof of payment checks/PDFs. On the proof of payment, you can clearly see the Payee Information ( entered by me, the XXXX, GA XXXX XXXX XXXX above ) and the front and back of the check. On the check face, " to the order of '' is listed as Dept of Ed- XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. On the back of the check, there is an endorsement stamp from XXXX. The WellsFargo XXXXXXXX XXXX changed the payee address to the XXXX, XXXX XXXX XXXX XXXX. I did not at any point list this as the XXXX address ; the only payee address I listed was the XXXX, GA XXXX XXXX XXXX The XXXX, OR PO that Wellsfargo changed the payee to is associated with XXXX. XXXX is not my student loan servicer. I've called Wellsfargo XX/XX/XXXX and XX/XX/XXXX and have explained they sent my payment to the incorrect address and payee without my authorization. They have claimed to escalate the complaint to a manager who would call me back in 1-2 business days. I have yet to receive a call back. They sent my money to the wrong payee and thus far have refused to acknowledge this even though the proof is quite clear on the proof of payment PDF.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In my credit report, I disputed a negative account showing a debt due when there is no debt due. I submitted screenshots from the account showing that I canceled my policy, the account was closed and no balance due at the time of cancellation. I secured other insurance. Experian stated they were investigating but came back quickly and stated the creditor verified the debt. Whatever they used to verify can not be verified as I submitted verifying evidence to the contrary.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company continues to mislead over the phone and lie about fixing information. Through XXXX XXXX i am able to see all the misinformation Experian is using

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have contacted XXXX XXXXXXXX and their debt collection company several times to rectify this issue. 

I paid this debt in XX/XX/2023 and closed the fraudulent account out. However, XXXX XXXX continues to report it on my credit report as a collection account with a balance. It has been 4 months and XXXX XXXX has not removed it from my credit report and reported it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: PA

Complaint narrative:
On XX/XX/2024 I submitted a dispute through XXXX for credit reporting by XXXXXXXX XXXX XXXX XXXX ( XXXX  ) ' for an account in collections for original creditor XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the XXXX online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a SXXXX XXXX XXXX  Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX  Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX  that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.

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 2024-03-08 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: PA

Complaint narrative:
On XX/XX/2024 I submitted a dispute through XXXX for credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) ' for an account in collections for original creditor 'XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the XXXX online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a XXXX XXXX XXXX Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
The monthly {$20.00} late fee since XX/XX/XXXX until XX/XX/XXXX is RIDICULOUS!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX 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 2024-03-08 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of 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 2024-03-08 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called their service number and requested to pay off XXXX balance offers. The CITI representative reviewed the account. She came back and said I had to pay {$2200.00} on XX/XX/2024. She asked for my routing number and account number for my checking account. I did and the money was paid to CITI. The representative said zi now only have my XXXX term loans. When the statement arrived the money did not go to the balance accounts as thei representative said. The money went to the Flex Loan which is a fixed loan. By this happening the balance offer will become due shortly and I would have to pay a usury interest rate. I contactedCiti on XXXX occasions and was tol they can not change the accounts the money was put into. I told them to refund my excess payment because it posted. I said the extra payment was to pay off the balance loan. This was clearly a lie on CITI Bank and either do what they represented or said back my extra payment. Please help.

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally asking for the removal of this erroneous entry from my credit report. I did not authorize its creation or use. Enclosed are the necessary documents to support my claim. I urge you to quickly rectify this error on my credit report. I confirm that this account is not mine and strongly believe it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company continues to mislead over the phone and lie about fixing information. Through XXXX XXXX i am able to see all the misinformation Experian is using

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 2024-03-08 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: MN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America does not provide the option for credit card holders to pay above the minimum on their credit card balances using the autopay feature. This is an unethical practice because it penalizes members who can not pay their full balance each month and are therefore required to pay more in interest and fees. Bank of America is building wealth off those who are least able to pay their full balance, thereby giving wealthier customers additional privileges. 

I opened a new credit card account last fall and immediately set up autopay. Unbeknownst to me, autopay does not go into effect for two billing cycles, which I learned from a customer service representative today. As a result, a couple of payments were late. Upon realizing that the payment was late, I immediately paid {$1500.00} toward the bill and attempted to increase my minimum payment to a larger amount. Bank of America restricted this option, and I could only select to make the minimum payment. The bank also reduced my credit limit and reported on my credit report. This is all within 6 months of opening the account. 

I spoke to a representative this morning who said that Bank of America turned off the option to make more than the minimum payment. This means that customers who are not able to pay the full balance each month are paying more interest and paying over a longer period of time, which is very unethical. I have several credit cards that I have been using and managing for over a decade and have never had any of these issues. My credit score is in the mid-700s, a testament to my commitment to managing my finances well. It's unbelievable that I have to request to pay more than the minimum on my account to pay off the balance faster, which is in my best interest. Bank of America is using its power and privilege to further marginalize customers and build wealth on those who are financially underprivileged

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation