vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX  ( XXXX XXXX ) stated that my XXXX loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX  mistakenly paid off my XXXX loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager ( XXXX ) promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from XXXX XXXX about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the two months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my FICO scores had changed ( dropping by XXXX points ). I requested and received the credit report from Transunion ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX XXXX XXXX. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recieved funding through goverment assistance covid-19. And recieved a goverment check for XXXX for deposit into my business account with Navy Federal Bank. XX/XX/XXXX the check was deposited and immediately flagged as a fake check. After reviewing and verifying the check a portion of the funds was released, XXXX and immediately on friday all acounts was froze and closed without warning or notification.When i called to check what was going on they said they had high belief that the check would not clear. I knew this was false because it was a goverment check. After verifing the check was indeed legit, they later said my account was set up wrong for my business account.After sending all the documents to correct they still did not deposit the check. Ater waiting on hold for over several hours they said the check would be returned and the account closed. I asked what day the process would start so i can notify the XXXX loan department and get a reissue of the check they are holding, they said up to & mounths to return the check! after i informed them that this would cause me to defult on the funding and miss the dead lines set for funding that i signed for they refused to give me a number to a complaint department or even a explanation on why the funds was held. I find the only reason they had for not releasing the funds was racially motivated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
It appears that a poor XXXX woman is not allowed to go to her Wells Fargo branch, which she has used for at least the last twelve ( 12 ) years, to deposit a large check ( obtained as the result of a lawsuit settlement ). On XX/XX/2022, I visited the Wells Fargo branch in XXXX, Alabama, to deposit a check drawn to my name. The branch teller refused to deposit the check because she believed the check is " fraudulent. '' The Branch Manager also reiterated what the teller said and refused to deposit the check, despite assurances from my attorney and a request to place a hold on the entire amount until the check clears. On XX/XX/2022, I contacted Wells Fargo 's customer support and was instructed to visit the branch and deposit the check. I called the Manager again, to ensure that I could deposit the check. However, I was told not to visit the branch nor attempt to deposit the check : " I am not going to allow you to come to this branch and deposit this check. '' He insisted that the check is fraudulent and he would not deposit it. He gave the name of a supervisory, but did not give the supervisor 's contact information. I have been using Wells Fargo as my bank for more than 12 years with no issues on my part. Claiming that I am depositing a fraudulent check was infuriating, embarrassing, and humiliating. It is extremely hurtful to be singled out in front of other clients.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

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.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reopening a case with Chase executive office to help fix my credit report information. Chase closed all my credit cards on XX/XX/XXXX and I have accepted this. I had a large tax refund and I recently paid off all my business and personal Chase credit cards except one. I am asking the Chase executive office team to update my personal credit report as a result of the multiple Chase credit card account closures. My credit score has been negatively impacted by Chase reporting " account closed by credit grantor '' to the credit bureaus. Seeking a good faith resolution to update my credit reporting information by Chase. Otherwise, I would need to submit a credit card dispute form by a credit repair agency. However, I am seeking a good faith resolution with the Chase executive office team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid 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: UPGRADE, INC.
State: CA

Complaint narrative:
XXXX merchant made frauduless sales and sent stuff here that was cancelled. I returned. XXXX closed account because of all I had to send back to XXXX. No refund. Put in all disputes in writing and called 4 times each to upgrade. No help at all. No one got back. The total of all XXXX outstanding refunds they did not dispute because they said " they didn't get info from me, '' which is a lie is XXXX and I have confirmation they rec 'd. A lot. 

They did the same thing with XXXX purchases totalling XXXX. I have same evidence. 

They also promised a XXXX bonus and XXXX bonus when I opened on the checking and debit. They said to spend so much in a certain amount of time and I did and called them serveral times and they are really XXXX and rude. This is a breach of contract and failure of fidicuary duty on several cause of actions. 

I tried to esacale to arbitration but their " legal team '' if they have one, won't respond. I dont even think this a bank. Just a huge false advertiser that charges interest when there is never a balance. I have all stmts. 

They claim to fix charges in error and this comes from their XXXX insurance and they did nothing. They also discriminated against me for being XXXX  with inablity to type, and having XXXX 

This started in XXXX XXXX XXXX  and is ongoing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
XX/XX/21 amount financed was {$2000.00} 198.30 % APR would make total paid {$8100.00}. I am really struggling to make payments but am up to date so far. I believe I have made XXXX payments of {$150.00} bringing my total paid already to {$2300.00} so they have already made their money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian recently verified a bankruptcy. Per their own response ( Experian attachment ) they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Experian able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as XXXX ( XXXX complaint number XXXX below ) ). So how was Experian able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Experian database and my credit report immediately as they are unable to verify said account. 

XXXX Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, XXXX XXXX XXXX ( XXXX ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), XXXX provides this information to XXXX for XXXX to include, at XXXX sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, XXXX has determined that XXXX did not provide XXXX with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX XXXX consumer report. XXXX began providing publicly available bankruptcy information to XXXX on or about XX/XX/XXXX. XXXX does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that XXXX has included within XXXX XXXX consumer report. XXXX XXXX may need to contact XXXX directly to determine the source of the bankruptcy information that appears on XXXX XXXX XXXX consumer 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
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, 4 months later, I review my updated credit report and I noticed that they update my address, but they did not remove the inaccurate addresses on the EXPERIAN and XXXX report, so I am now taking extra step because I really need these addresses to be remove off of 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
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX I made a payment to my XXXX capital one credit card. Several days later I get a returned payment with capital one saying that the funds were rejected. I called my bank and they said there should have been no reason for this to happen as I had more than enough know to cover the payment. So I ended up making an additional payment and now the money has been taken out of my bank account and capital one says they have received the payment without issue but because of the returned payment on the XXXX of XXXX they have to hold my money for 8 days. This was not my fault, this was an issue with capital one making a mistake and they refuse to make the balance available because of their mistake earlier in the month. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
In XXXX, I refinanced my mortgage. In XXXX, I owed a payment to XXXX XXXX. I mailed that payment but XXXX XXXX applied it to the wrong account somehow. In XXXX my loan was sold to XXXX XXXX. I sent them a check in the mail and they sent correspondence saying that I still owed a payment. The XXXX payment to XXXX XXXX and the XXXX payment to XXXX  XXXX both cleared my bank. At that point loan care said that they wire transferred the payment to XXXX XXXX. I had written confirmation on XX/XX/XXXX that the payment was transferred. In XXXX, my loan was sold again and this time to XXXX XXXX XXXX. XXXXXXXX XXXX  reported that one payment was still missing and it was reported to my credit report so I sent them a double payment in the month of XXXX. Despite numerous emails back-and-forth and many hours on the phone, none of these three companies is crediting me for that payment. 

My name is XXXX XXXX and my phone number is XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately. I am someone who has taken take of my credit very well I take my credit very seriously.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately. I am someone who has taken take of my credit very well I take my credit very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2021 I was XXXX in XXXX XXXX fl and on XXXX XXXX my unemployment from FL Deo was deposited into my account. One deposit of {$2700.00} at XXXX & the other of {$5100.00} at XXXX. When I got XXXX  all my belongings where in my car which got towed and someone got access to my phone and my Chime account. When I got Released on XXXX XXXX I no longer had my phone nor phone number and I tried to reach out to Chime but then they locked my account for almost 3 weeks. I was finally able to access my Account which was at a {$0.00} balance. I went to dispute all transactions from XXXX XXXX to XXXX XXXX because at the time I was XXXX and could not have made any of them transactions nor did I give anyone permission to access my Account. When I went to dispute the Transactions A Chime member said that someone already disputed them transactions back in XX/XX/2021. I told Chime that it was not me and that I wanted to start a new dispute but they wouldn't. They said I had to do a rebuttal. I tried disputing them transactions at least 3 to 4 times and sent all the documents Stating I was XXXX  at the time but Chime will not help me at all and they keep saying that there was not an issue so I will Not receive any Refund. I have all the emails to & from Chime. I've tried getting my Unemployment money because I really needed that money and someone stole it from me. Yes I got XXXX but that doesn't mean It was OK with someone stealing my money. I have spent so many long hours on the phone with Chime and so many emails to them getting absolutely no where. I feel like they are discriminating against me because I got XXXX and I was XXXX. I would like this Issue to be taken care of and for Chime to do the Right thing and refund me my unemployment money that I waited so long for.

Company response to consumer: Closed with explanation