vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this CFPB complaint as the only recourse to hold Chase accountable for in effect ignoring my fraud claim. I have still not received my {$2500.00} stolen ( two separate transactions ) from me on XX/XX/24 ( shows up as XX/XX/24 because they were closed on the new years ) despite reporting the theft and requesting them to shut down all my accounts before it happened very quickly after I was robbed. Chase first denied my claim on XX/XX/24 by removing the {$2500.00} in credit applied after I reported the fraud then I appealed on XX/XX/24 and sent a lot of documentation clearly showing I did not authorize these transactions whatsoever ( never made a XXXX transfer on chase, no idea who " XXXX XXXX '' is, etc. ) and the bank still denied it on XX/XX/24 saying I authorized it?? I have no way to track any of this other than filing this complaint. They have no in person fraud dept service, no email, no one will give me their contact info to follow up or even give me their last name. Each time I call their fraud line I get a different story ( the fraud rejection letter only included one of the transactions when I very clearly stated there were 2 ) and I'm very worried Chase is not actually looking at my paperwork sent in ( because if they did they would clearly see I did not authorize these transactions whatsoever ) or trying to run out the clock on paying me back or hoping I give up. Their fraud claim operations system is totally rigged against consumers by having no ability to document any correspondence or acknowledge actions taken and I'm hoping this CFPB complaint can help me provide some recourse because I have zero faith they actually investigate anything I tell them, then deny my claim without any acknowledgment they looked at the docs I faxed in with the police report, etc. I don't know what else to do as I have literally tried everything else and to make matters worse, I only have 60 days from XX/XX/24 under the Electronic Fund Transfers Act to file a claim as a victim of electronic/digital fraud and time is running out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I am refiling this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are still reporting on my credit report and no further actions have been taken. For the account of XXXX XXXX, I paid before the due dates last XXXX XXXX XXXX XXXX XXXX  and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received. For the account of this account is now XXXX XXXX being handled by the XXXX XXXX XXXX XXXX With that being said, I am not liable for any payments on this account or to any double payments

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 2024-02-13 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: FL

Complaint narrative:
I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately 14 years I notified XXXX on XX/XX/2023, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/2023, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/2023. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/2023. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX autopay and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

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 2024-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is an issue related to a Citi Home Depot Credit Card XXXX. In XXXX of XXXX I was notified that another Citi Home Depot customer was using my social security number. I contacted Home Depot Customer Service to no avil. I submitted a complaint through CFPB see.. XXXX. I provided Citi Bank with a copy of my Texas DL, my XXXX passport, and a copy of my social security number. Citi initially denied my resolution and advised that I needed to get a letter from Social Security to prove that the social belonged to me. I scheduled an appointment with the XXXX social security XXXX. They provided me with a statement that showed that the social security number belonged to me ( XXXX XXXX XXXX ) and not XXXX XXXX. Upon submitting the information, Citi reached out to me and advised that this was an internal mistake and they would remove XXXX XXXX from my social security number. They also credited my Home Depot account a {$100.00} for my trouble. Fast forward - I was shopping at home depot on XX/XX/XXXX and XXXX/XXXX/XXXX. As I was checking out, using my home depot credit card - I notice that XXXX XXXX has been added back to the account using my social security number. How can Citi Bank get away with this practice? I'm more concerned now, since have given Citi more of my personal business such as additional credit cards and a savings account. I am concerned that they are allowing others to use my social security and is not taking this issue serious. I am also concerned that your company closed the account without having showing the final outcome from Citi Bank. 
As of XX/XX/XXXX - As per Citi - this issue is with Home Depot Point of Sale and not Citi Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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 did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reached out the XXXX on XX/XX/XXXX and provided my information they stated they didnt have an account with my information. I requested them to remove the inquiry they advised me to contact the credit bureau. I then reached out to XXXX and they had no knowledge of an account with my information as well. Please remove the inquiries listed XX/XX/XXXX and XX/XX/XXXX from XXXX also XXXX on XX/XX/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 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I dont owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance to the fair Credit reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy Section 604 A section 2 It also states Set consumer report agency can not Furnish 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: ID

Complaint narrative:
I called McCarthy Burgess and Wolff The customer service representative said she would get a list of the charges and send them to me via email. We never received the email. 
Later i called to get the information again. The customer service agent would not give me the information. 
I called today XX/XX/24 and wanted the account number so i could access their website and was given a wrong number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I contacted the debt collection company " on line ''. I explained that they have mistaken our company XXXX XXXX, XXXX for a company called XXXX XXXX The utilities provided by XXXX XXXX were not provided to us. As we only have one location in XXXX XXXX, Illinois. We were established in 2005 and have always only operated at our current locationXXXX XXXX XXXX XXXXXXXX had never contracted with any utility at any time for services. The location this debt collector claims we owe is in XXXX. 
The person we spoke with stated that it was a mistake. But they continue to send demand letters and threats. This company uses the following Reference : XXXX PIN : XXXX. These identifiers are on their correspondance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I am refiling this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are still reporting on my credit report and no further actions have been taken. For the account of XXXX XXXX, I paid before the due dates last XX/XX/XXXX and XX/XX/XXXX and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received. For the account of this account is now XXXX XXXX being handled by the XXXX XXXX XXXX XXXX With that being said, I am not liable for any payments on this account or to any double payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i used my card for a lot of spending and i did reached a rewardsbalance of $ XXXX that point they put my account on hold and eventually closed it and they haven't allowed me to redeem my rewardson any format

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Since the beginning of XXXX I have made numerous verbal ( on a recorded line ) and fax requests with MOHELA regarding Standing Payment Instructions for All Future Payments to NOT pay my loans ahead. I have received contradicting correspondences from MOHELA ; physical mail confirming they received and are processing my request and will reapply the payments within 3-5 business days and contradictory on the website it says they cancelled my request. 

MOHELA made an unauthorized payment on XX/XX/ by fraudulently applying my loan payments against my Standing Payment Instructions for All Future Payments to NOT pay my loans ahead. 

Since XXXX I have made multiple attempts to call and reconcile this issue with MOHELA but it's impossible to get a representative and when I do, I am put on hold and transferred endlessly. After months of trying, I spoke with a supervisor, XXXX, last week, who told me she was unable to reconcile my issue and that it would have to escalated to another department, which I still have never heard back from. 

Despite my best efforts to reconcile this issue with MOHELA, I have been given absolutely no recourse against being defrauded by MOHELA. I have made official complaints against MOHELA with both the Department of Education and Studentaid.gov ; neither have responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit is being used for fraud it is not me the people that are using my credit have opened bank accounts with my information and have applied for loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
In XXXX we closed on a home using Prime Lending that had tax exemptions for XXXX or older and home stead. Prime lending sold us on a {$2400.00} mortgage payment with a 12 month total of approximately {$2400.00} of escrow going towards taxes and failed to notify us that a significant increase in taxes could occur due to the exemptions losing validity. As a result of this our taxes have increased by {$5000.00} in XXXX and created a significant shortage in escrow resulting in an {$800.00} increase in monthly mortgage payment to make up for the shortage in addition to standard increase in insurance. The total increased payment is almost {$1200.00} per month. A payment shock notice nor an opportunity to increase our input to escrow was presented at or prior to closing. For this reason we feel as if we were deceived with a lower payment when in reality the lender should have done the due diligence to at a minimum notify us of the potential for significant monthly payment increase. 

Since closing our mortgage has moved from Prime Lending to XXXX however we feel prime lending is responsible for the deception and poor practice since they worked the loan through closing. 

We now have a total shortage of {$9600.00} as a result of the shock increase in tax. {$3500.00} of the total is due to insurance reasons and not being considered as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 2024-02-13 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: TN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 explanation