vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX Subject : Complaint Against CHASE for Violations of FDCPA, FCRA, and TILA Dear XXXX XXXX XXXX XXXX XXXX  ) and Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a concerning matter regarding CHASE CARD MEMBER services. Despite my efforts to dispute a debt, they have consistently refused to provide validation and proof of claim, a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). These violations are particularly troubling, as they compromise my consumer rights and negatively impact my credit report. 

Under the FDCPA, debt collectors, such as CHASE CARD MEMBER, are obligated to provide validation and proof of a disputed debt upon request. Despite my repeated attempts to obtain this information, CHASE has failed to comply with the FDCPA guidelines. This not only raises concerns about the accuracy of the debt but also questions its adherence to federal laws designed to protect consumers. 

Furthermore, the FCRA stipulates that if a company fails to respond to a dispute within 30 days, the disputed item must be deleted from the consumer report. CHASE 's failure to provide validation within the mandated timeframe further compounds the violations, compromising the accuracy of my consumer report. 

Additionally, the TILA, working in conjunction with the FDCPA and FCRA, emphasizes the importance of transparency in lending practices. CHASE 's refusal to provide validation undermines the spirit of these laws, leaving me with unresolved disputes and potential inaccuracies in my credit report. 

I request the XXXX and CFPB to investigate this matter thoroughly and take appropriate action to ensure CHASE CARD MEMBER rectifies its debt collection practices in compliance with federal regulations. Moreover, I urge you to hold CHASE accountable for any damages caused to my consumer report and take measures to prevent such violations in the future. 

Thank you for your attention to this matter, and I trust that your organizations will take the necessary steps to address and rectify these apparent violations promptly. 


Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation. Please remove it as soon as possible.

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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XXXX used Zelle to transfer {$750.00} from my checking account at XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using Zelle and again from my checking account at XXXX. XXXX XXXX debited my account, but Zelle did not transfer the funds to XXXX XXXX. When I check the transactions online in my XXXX. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that Zelle has frozen the funds. At this point, the funds have been frozen for over three days. 

I tried calling XXXX so-called customer service department earlier today ( XXXX ), but got nothing but grief and aggravation from their XXXX IVR ( which they make almost impossible to use ) and from one of their employees, XXXX ( XXXX XXXX XXXX ). I explained the problem to XXXX, she told me to call my bank, I told her that the banks told us ( me and XXXX XXXX ) that the problem was with Zelle and that they needed to fix it, XXXX started to give me a ration of XXXX and I told her to let me speak with her supervisor. She did not do so. Instead, she put me on hold for almost XXXX minutes and then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Starting XXXX of XXXX, I stopped receiving my statements at the business condo address for which the mortgage loan was taken. I went into the bank numerous times, called, emailed and no one could find my account. The contact for my account kept telling me that he was waiting to hear from bank representatives. I used old statements to pay my mortgage so I wouldnt miss a payment. Finally, in XXXX of XXXX. I started receiving my statements at the XXXX XXXX address that its been sent to for 15 years. The only explanation was a computer glitch on a few accounts. I never received my interest paid statement. My contact printed the interest paid on a regular sheet of paper. Now starting XXXX of XXXX, the address on the loan has been changed to my home address. I tried calling the number on the statement and, the customer service number and no one could find my account even with the account number, my address my tax ID or social security number. I spent hours on these calls. I emailed XXXX customer service and the complaint email address for the CEOs and no response. My contact responded over a month ago that he was looking in to it. Im worried that something shady is happening with my identity or account balance. I am paid up on my account and my property taxes. I dont know why my statements are inaccurate and no one can find my account to help me. 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 2024-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Greetings, When I called to make my payment over the phone, I was caught off guard and extremely surprised that my balance went up some {$300.00} and I was over the credit limit. 

When I called to inquire about this I was told that these were interest charges and when I asked to remove, the representative told me no. 

This excessively high interest fees are erroneous and illegal and I am herein disputing these charges Even since I took an {$30000.00} pay cut and then lost my job in XX/XX/2023, I had to pay my rent and bills with XXXX and I am in an extreme financial hardship and being the head of household in a family of XXXX, this has added to this financial distress and hardship Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Equifax Account names : 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 -Child Support Enforcement XXXX XXXX XXXX XXXX Child Support : XXXX XXXX ***** Child Support Enforcement and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

***** Child Support Enforcement and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: FL

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. 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The list of inquiries below should not be on my credit report : -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 2024-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
We have both homeowner 's insurance and wind and hail insurance on our property. In a previous year, the mortgage company had made a mistake that resulted in our wind and hail insurance payment being made late out of the escrow. Because this had already happened, I was concerned it would happen again this year. The payment was due on XX/XX/2023. In early XXXX, 2023 I contacted XXXX ( mortgage holder ) to alert them of my concern and received assurance that the payment would be made in a timely manner. Also in early XXXX, XXXX ( our insurance company ) contacted XXXX by mail that the payment was coming due. In that letter they outlined clearly that they did not want a bulk payment and the specific address to send the payment. Another letter was sent to XXXX XXXX in XXXX with the same information. 

XXXX did, in fact send a bulk check and sent it to the wrong address, resulting in the money being deposited in our homeowner 's insurance account. I received notice from XXXX that an overpayment had been made to the homeowner 's insurance and they sent me a check for overpayment. This alerted me that something was wrong. I immediately sent the money back to XXXX, along with an explanation for what I thought was happening. 

XXXX took out another wind and hail policy in our name and charged us for the difference - sending us notification that they were doing so because we had not obtained wind and hail insurance ( which had happened because they had sent the wrong check to the wrong location ). By the time they sent the right amount to the right location, our policy with XXXX had been 1 month in lapse. A new policy was issued in early XXXX. 

I have made 10+ phone calls to try to rectify the situation and as of this day we have XXXX wind and hail policies- the one we should have and the one that XXXX took out because of their mistake. They are allowing both policies to run simultaneously and charging us for both.

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 2024-02-05 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: SC

Complaint narrative:
I told XXXX, XXXX, and TransUnion to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.

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 2024-02-05 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: SC

Complaint narrative:
I told Experian, XXXX, and XXXX to reinvestigate these accounts all the accounts that were listed in my first claims. however, they stated everything was complete and accurate but on all reports Im not wrong open dates. Dates of last activity are incorrect accounts number are wrong and according to 15 U.S.C 1681i ( 5 ) They are supposed to modify accounts that arent reporting correctly. Ive also stated in the claims, they have violated 15 U.S. C1681 section 602A and 15U.S.C 1681 section 604A and 15 U.S.C1681 section 604A. I have disputed letters Ive send emails, affidavit sent, and invoices have been sent to the collectors as well. I have all reporting all my evidence that I need all documentations all receipts from when everything was mailed and email for my case.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, I paid my cc bill on Friday the XXXX and I check my account today and they erroneously and illegally applied a late fee of XXXX. When I called they said that payment had to be made by XXXX PST XXXX XXXX EST. When I asked what time did payment go through they said XXXXPST / XXXX EST. Thus, no late fee should have been applied at all. However, from what I remember I made that payment earlier on Friday and not at XXXX PST. 




Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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:
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 XXXX XXXX  FL XXXX XXXX, XXXX XXXX XXXX  FL XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding an unresolved issue with an overpayment and a missing cashier 's check. 

I discovered an overpayment of {$6400.00} in my business account with Wells Fargo, under the business name " XXXX XXXX. '' Upon notifying Wells Fargo of this discrepancy, I was informed that a cashier 's check would be issued to reimburse the overpaid amount. I was assured by Wells Fargo representatives that the check would be reissued within 15 business days. 

After the specified timeframe passed, I followed up with Wells Fargo to inquire about the status of the reissued cashier 's check. To my dismay, I was met with evasive responses and a lack of clarity regarding the resolution of the issue. Despite numerous attempts to seek clarification and a definitive timeline for the reissuance of the cashier 's check, I have been met with inconsistent information and a failure to provide a satisfactory resolution. 

I have diligently maintained communication with Wells Fargo regarding this matter and have documented all correspondence, including emails confirming the intent to reissue the cashier 's check. However, despite assurances from Wells Fargo representatives, no tangible progress has been made in resolving the issue. 

I am deeply concerned that Wells Fargo is withholding my funds and failing to fulfill its obligation to rectify the overpayment. The prolonged delay and lack of transparency in addressing this matter have caused undue financial hardship and frustration. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a prompt resolution. I request that Wells Fargo be held accountable for its actions and compelled to expedite the reissuance of the cashier 's check without further delay. 

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

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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I am being wrongfully charged for a vehicle that I turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
My mail would not forward from my mail box. I got an email. I tried to bill pay citi bank. They sent it back b/c it had no account on it. I tried calling to talk to a person yesterday and today. They barely speak XXXX. They would not refund the late charges. I told them to close the card. The are a bunch of XXXX  worse than the XXXX  XXXX like XXXXXXXX XXXX  XXXX at the 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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My fiance and I were on the last night of a 4 day trip to XXXX, XXXX on XX/XX/2023. We were exiting the XXXX XXXX at night in the rain. Neither of us had any more cash ( Euros ). We hailed a XXXX ( private company/no markings ). We asked him if he took Credit Cards, he replied no problem. We had him take us to a restaurant about a mile and a half away,15 mins total. He said the fare was " XXXX Euros ''. I gave him my PNC bank card XXXX XXXX XXXX In the haste of getting out in the rain and exhaustion, I neglected to ask for a receipt. It was a dark sedan, but I don't have a name or a license number etc. I have no idea if hw is independent or works for a company. After dinner I checked my bank statement and was shocked to see I was charged $ XXXX! I did NOT authorize that. I was scammed! We obviously did not take a XXXX dollar cab ride. We could drive from XXXX to XXXX and back for that price! Unfortunately I have no other proof. I provided this exact information to the PNC dispute department twice! They said they determined the transaction was authorized but have provided no proof. 
Dispute case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax due to their failure to respond to a dispute letter that I mailed on XX/XX/2023. In my dispute, I addressed several items on my credit report, including XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX and XXXX - XXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Equifax regarding my dispute, and this lack of communication is a clear violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to fulfill their legal obligation to respond within the stipulated timeframe.

Company response to consumer: Closed with non-monetary relief