vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My husband, XXXX XXXX XXXX, XXXX & I own a XXXX XXXX called XXXX XXXX XXXX XXXX in XXXX, LA. About 3 years ago we opened a business checking account with Chase Bank. A little more than a year ago a hurricane hit XXXX XXXX, FL, which is where we are from. Most of XXXX 's family still live there. After several of his family members got ripped off by bad contractors, we decided to go there to help them. We did everything legitimately, including getting a business license in FL as well as set up a FL office. We did work on several of XXXX 's family members including his parents, his sister & several of his Aunts & Uncles. The largest of the jobs, which we are still working on belongs to his XXXX XXXX ( XXXX ). He has XXXX commercial buildings that combined needed {$1.00} XXXX in repairs. We have been working on them for a little over a year. During that time, XXXX XXXX was diagnosed with XXXX  It was deemed necessary for XXXX XXXX XXXX, XXXX, my husband 's Father to get power of attorney to handle XXXX XXXX business transactions. All the payments to us up until recently had either been by check or cash. The insurance company had stalled the next payment and the funds we had already received had run out. So, XXXX XXXX tried to make a payment to us with his credit card. They saw that the last name on the card was the same as the recipient and red flagged our account for fraud. They said it is illegal to pay yourself. We explained the entire situation as well as had my husband, XXXX XXXX XXXX XXXX XXXX, his Father, XXXX XXXX XXXX, XXXX & his Uncle, XXXX XXXX go into the branch with their ID 'S to prove they were 3 separate people and the power of attorney documentation. They said they did not care and basically treated us as if we had committed a crime. We have an A+ rating with the Chamber of Commerce & the XXXX XXXX XXXX as well as a 5 star rating on XXXX XXXX We pride ourselves with an impeccable work ethic. They are holding a credit card payment in the amount of {$5000.00} for a staggering 120 days. They are also holding a check that was deposited just before they flagged our account in the amount of {$40000.00}. We are a XXXX XXXX and holding that much money is crippling our business. This is so unfair and it doesn't seem right that Chase can do this to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted the Navy Federal Credit Union as I was a victim of identity theft and XXXX XXXXXXXX back in XXXX as a result of those incidents, my Navy Federal relationship was lost. I contacted Navy Federal and was informed that all the identity theft information that I had previously provided as well as bankruptcy information had not been coded to the appropriate departments. I spoke with the bankruptcy department assuring me that the information was corrected on their departments end, and they would need to transfer me over to the remaining department for the restriction to be removed. After being on hold for well over 2 hours I was told that I needed to file a claim and I would be contacted in 2 weeks via email or phone call. 

On XX/XX/XXXX, I contacted Navy Federal because no one had contacted me by any form of communication means. The 1st representative XXXX XXXX ) she immediately stated that the claim was closed and that unfortunately the restriction was going to stay on. I questioned as to why? " XXXX without hesitation quipped with a lie. Someone called you and you answered. I immediately question? Called me on what day? She then paused and then lied again and stated I didn't say they called you, I stated that the same date you made the claim you were told that it could not be reversed. I immediately protested. Because that is not the truth, I then requested to be escalated to a supervisor ( XXXX ) 2nd liar on duty. XXXX is not only a liar he was a XXXX XXXX which is an XXXX but allow me to explain I immediately explained my previous conversation with ( XXXX XXXX he then went on to say that he was not privy to the conversation before the transfer when I asked the status of my claim, he stated give it 30 days. I asked how was ( XXXX ) able to give an assessment or provide the information and he insisted he wasn't privy to the information. When I questioned where I would receive my allege letter in 30 days in did not have my address. 

XXXX XXXX XXXX ID XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: AR

Complaint narrative:
To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
To whom it my concern, I am writing to update/correct my personal information on file with your company.

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am a XXXX XXXX XXXX  in the state of Virginia. My business email was used to open an account with Chime WITHOUT my authorization. I found out due to receiving multiple emails from Chime. I called to remove the email from their system completely. They notified me that my email had been removed but I am not 100 % confident in that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
This company continues to violate my rights as a consumer by reporting this account to my credit which I have no knowledge of. I have tried to communicate with this company many times and they have failed to respond or provide any proof that this debt belongs to me. I am unaware of this debt, I did not have an opportunity to dispute this information, if in fact they believe they gave me proper notification then please have them send me the certified receipt with my name on it. I want names, phone number, address and email address for everyone who allegedly validated this debt.

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 2024-03-18 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: FL

Complaint narrative:
This company continues to violate my rights as a consumer by reporting this account to my credit which I have no knowledge of. I have tried to communicate with this company many times and they have failed to respond or provide any proof that this debt belongs to me. I am unaware of this debt, I did not have an opportunity to dispute this information, if in fact they believe they gave me proper notification then please have them send me the certified receipt with my name on it. I want names, phone number, address and email address for everyone who allegedly validated this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to XXXX and TransUnion to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to XXXX and XXXX to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am reporting the mishandling and negligent care by USAA Wire Fraud department. I was scammed for {$4600.00} transferred from USAA to XXXX XXXXXXXX XXXX for first and last months rent. My would be landlord cut all communications after they solicited additional money from my wife via bank transfer to secure the keys to the property. USAA opened and closed the investigation within one hour. USAA is taking no additional action to further attempt to retrieve our money. USAA representatives have failed us long time customers. 

XXXX USAA checking wire transfer to XXXX XXXXXXXX XXXXXXXX in the amount of {$4600.00} XX/XX/2024 Called USAA to submit a wire transfer fraud report. Was told to wait 7-10 business days. 

XX/XX/2024 Called USAA to submit the police report case number and was notified by USAA that no wire transfer report was created. 

XX/XX/2024 USAA called us within 1 hour to notify that they have closed the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Here is the letter detailing my experience concerning the CitiBank Certificate of Deposit.

[ This letter is to inform you that my check was cashed by someone else using a counterfeit signature. The timeline of the whole story is : ( 1 ) I closed my CD ( amount : {$31000.00} ) on XX/XX/2024. 
( 2 ) On XX/XX/XXXX, I reached out to CITI at XXXX, and a representative supplied me with the XXXX tracking number. Upon examining the tracking details, I discovered that the check was purportedly delivered to the front door on XX/XX/XXXX. However, it's perplexing since there is no signature requirement, no photo record, and no message reminder. Furthermore, the situation is absurd as there is no front door in my community. 
( 3 ) Despite numerous follow-up calls since XX/XX/XXXX regarding the missing check, it wasn't until XX/XX/XXXX that I was notified, through research on my CITI account XXXX that someone had fraudulently cleared my check with a forged signature. 
( 4 ) On the last day, XX/XX/XXXX, two representatives reminded me that a new check could be re-issued to me, and they advised me to send a physical letter explaining the situation. This is the reason for the existence of this letter. ]

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 2024-03-18 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-18 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: FL

Complaint narrative:
Today i received my credit report by mail from Experian. My score went down from XXXX to XXXX. Found 158 consumer report views/soft inquires, that I DIDNOT authorize. I didn't authorize these businesses to hit my credit report. 

Examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I need your help, to get Experian, to turn off their 'Artificial Inelegance " on my credit report ASAP. This is unacceptable behavior and my household is suffering. This will not be tolerated. 

Thank you,

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
I hvae requested that AES my student loan servicer not be listed as on my debt as AES/GOAL Financial as they are not the hold of my debt " Goal Financial '' is and they should be listed and only them them as the creditor I have an email from them stating that they are not the creditor and they continue to list themselves on my debt as " AES/GOAL Financial '' I have suggested that they can list the obligation as GOAL Financial /serviced by AES or GOAL Financial /AES servicer. However they don't and I have asked the creditor to reach out and have the servicer make the change. AES is not the owner of my debt and therefore should not be listed as they currently are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that 'A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I have been divorced since XXXX. They claim even though we are divorced he is still responsible for the loan. I have submitted all the documentation, including XXXX quit claim deeds. I have had XXXX addresses in the last XXXX years. He has had numerous. We do not speak and PennyMac told me numerous times that if I assume the loan that I have been paying on for XXXX years I must requalify and pay a fee. They refuse to remove the name of my abuser which I have to look at constantly. I can prove everything with documentation. He was a XXXX XXXX and has been disciplined numerous times for violent behavior. I have been paying long enough for his constant verbal and XXXX XXXX XXXX behavior. Be aware I can prove everything I say, including the fact that I paid for the refinance XXXX years ago AND my mother, still living at age XXXX gave me the down payment in a gift letter for the original FHA loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TN

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. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 

Transunion 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 XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-18 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
In accordance with the FCRA ( Fair Credit Reporting Act convergent account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/2023 Chime unexpectedly closed my account. They said I had violated our agreement. I was not aware. I had {$5800.00} in the account. They said they would refund my money but never did. When I call now, they say they cant tell me anything about my account. I am not looking to reopen, just have my money returned.

Company response to consumer: Closed with explanation