vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TransUnion. 

Account Information : Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by TransUnion include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against TransUnion for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

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 2024-09-28 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 non-monetary relief
Consumer complaint received 2024-09-28 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2024-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Newrez purchased my 1st mortgage from the previous loan servicer SLS. My bank had been sending automatic payments to SLS for XXXX years. After Newrez took over the servicing they should have received XXXX months payments from SLS but apparently they did not. 

I provided proof of payment to SLS on Newrez 's website as instructed and they haven't acknowledged said payments. Additionally I mailed proof of payment to Newrez with proof of delivery, and yet they are still claiming I'm XXXX months behind because of the payments mailed to SLS. 

This morning I received a notice that my loan is in default, which it isn't

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company Information : - Company : Bank of America XXXX XXXX : Account Information : - Account Ending : XXXX - Claim Number : XXXX - Disputed Amount : {$2600.00} Complaint Description : I am filing this complaint against Bank of America regarding the denial of my fraud claim. Despite providing ample evidence that the transactions in question were unauthorized, Bank of America has repeatedly denied my claim, causing significant mental stress and eroding my trust in the institution. 

Timeline of Events : XXXX. XX/XX/year> : I received a Bank of America mobile ( and text ) alert regarding a suspicious transaction at XXXX XXXX XXXX XXXX, TX. As I reside in California and have no business with XXXX, I immediately confirmed that the transaction was unauthorized. Bank of America closed my credit card account, issued a new one, and replaced my card. 

XXXX. XX/XX/year> : Bank of America acknowledged my claim and temporarily credited my account. 

XXXX. XX/XX/year> : I received a letter from Bank of America stating that my claim was denied because the charges were made using one of my verified devices. This decision was based on their research, which included my account history and information from the merchant. 

XXXX. XX/XX/year> : After requesting a re-evaluation, I received another letter from Bank of America reaffirming the denial of my claim, citing the same reasons. 

XXXX. Police Report Filed : I have filed a police report regarding this fraud. The case number is XXXX. 

Supporting Documents : - A copy of the text alert I received from Bank of America on XX/XX/year>, notifying me of the suspicious activity. 
- The initial letter from Bank of America dated XX/XX/year>, acknowledging my claim and temporarily crediting my account. 
- The letter dated XX/XX/year>, stating the denial of my claim. 
- The letter dated XX/XX/year>, reaffirming the denial of my claim. 
- My account statement showing the disputed transactions and subsequent credits. 

Impact : The denial of this claim has caused significant mental stress and is eroding my trust in Bank of America. As a client of 8 years in good standing, I am deeply disappointed with how this matter has been handled. The transactions were not authorized by me and should not be my responsibility. 

Additional Concerns : Bank of America claims that the transaction was made using one of my verified devices. However, if this were the case, why did the bank initially mark the transaction as suspicious and alert me about it? This inconsistency further supports my position that the transactions were unauthorized. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution.

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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I requested a hardship withdrawal through my job from my 401k. Instead of sending it electronically as requested they sent a check. I deposited the check. The next day it said a 6 day business hold would be on the check. I need the funds to pay my bills to qualify for a mortgage. I called the bank and asked if there was any way to expedite the request. I got a call from a unknown number asking if I had made a check deposit that day, it was the day prior that I actually did the deposit so I was suspicious. I told the representative I'm not comfortable so I'm going to call the number I know to be td bank. She canceled my online access and declined the check. I called td bank again and explained the situation and they told me the check would be resubmitted and access to the online account would be restored that day, yesterday. Today I wake up and I still can't log in. I called and general customer service connects me to fraud after holding 40 mins on hold it says sorry call back later. They did give me the direct number so I called fraud directly. They claim in not eligible for phone text verification. They're asking verification questions related to account activity which they've blocked me from seeing and saying they can not send a verification code to my phone. My only option is to go to a branch which I can't because they'll be closed when I get off of work. This is totally unacceptable. They guidance given is if your unsure who you're talking to is to hang up and call the business, I've done this and they're treating me like I'm a criminal or scammer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: NJ

Complaint narrative:
I PULLED MY CREDIT REPORTS FROM XXXX XXXX AND NOTICED XXXX ACCOUNTS THAT WERE NOT MINE. I BELEIVE SOMEONE OPENED THESE ACCOUNTS WITHOUT MY PERMISSION .IM ONLY XXXX YEARS OLD.

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 2024-09-28 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: NJ

Complaint narrative:
I PULLED MY CREDIT REPORTS FROM XXXX XXXX  AND NOTICED XXXX ACCOUNTS THAT WERE NOT MINE. I BELEIVE SOMEONE OPENED THESE ACCOUNTS WITHOUT MY PERMISSION .IM ONLY XXXX YEARS OLD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated Bank ; late XXXX, early XXXX of XXXX, alerted me of fraudulent activity on my checking account, advised at the time they were placing a freeze on my account, advised me to withdraw all remaining funds from the account, to close and reopen a new account. Associated Bank allowed an additional transaction on the account, causing the account balance to go negative by more than {$250.00}. Associated Bank then informed me I was responsible for the fraudulent charge they authorized, and subsequently charged that remaining amount off. This was then reported to various consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Applied for a new Citibank interest-free XXXX  balance transfer card in XXXX. Signed up for auto payment bi-weekly XXXX and XXXX. For the last 6 months, every time I have scheduled an auto payment it has never gone through and I have consistently been dinged for late payments on a card that I have signed up for multiple times for the auto payments to go through. Every time I get a confirmation from the company that I have resigned up. 

As you can see in the screenshots provided below, I am constantly being dinged for late payments even though they took out a payment today. XX/XX/year>2024.

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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Yes, my account was restricted because someone I know deposited a little over XXXX they have held my direct deposit now for more than XXXX hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding unexpected and substantial interest charges applied to my CareCredit account, managed by Synchrony Bank XXXX These charges were not clearly disclosed to me at the time of enrollment or sufficiently explained in subsequent communications. 


Account Number : XXXX Interest Charges Incurred : Date : XX/XX/XXXX Amount : {$400.00} Date : XX/XX/XXXX Amount : {$310.00} Despite being under the impression that I was utilizing an interest-free line of credit for healthcare expenses, I was charged significant interest rates on the dates mentioned above. I believe these charges were levied under deferred-interest terms, which were not made clear to me at any point during my application process or credit management. 

CFPB vs. GE Capital Retail Bank ( now Synchrony Bank ), XX/XX/XXXX : The CFPB ordered the bank to refund {$34.00} XXXX to over XXXX XXXX consumers for similar deceptive practices. Consumers, like myself, were not properly informed about the " deferred-interest '' conditions attached to their accounts, leading to unexpected charges after promotional periods ended. 
This precedent highlights the responsibility of credit providers like Synchrony Bank to ensure transparent, clear, and comprehensible communication regarding the terms of their credit agreements. The failure to do so not only misleads consumers but also violates the principles of fair credit billing and advertising as stipulated by the Truth in Lending Act ( TILA ) and enforced by the XXXX XXXX XXXX Reform and Consumer Protection Act. 

Full Review and Audit of my CareCredit account to assess the appropriateness of interest charges applied. 
Immediate Reversal and refund of the interest charges mentioned, totaling {$720.00}, if found to be inconsistent with fair lending practices. 
Enhancement of Disclosure Practices by CareCredit to prevent future occurrences to other consumers. 
Please find attached copies of my statements, which support my claim. I trust that the CFPB will address this issue promptly and uphold the rights of consumers to fair and transparent credit practices. 

Thank you for your attention to this urgent matter. I look forward to your swift response and resolution.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I learned today through Advertising Attorneys that I was sued by Crown Asset Management LLC for a debt that I am not aware of. I never heard of Crown Asset Management LLC until today.

Crown Asst Management LLC filed a lawsuit against me without ever attemting to contact me to inform me or validate the debt by mail or otherwise in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
XX/XX/year> purchased a XXXX XXXX XXXX XXXX XXXX  on XXXX. Returned it one week later insured for a refund from Seller XXXX XXXX who did not issue refund. He also filed claim to get insurance off USPS that I paid for. Total charges {$900.00} including late fees unilaterally charged by Chase on disputed amount now have gone up to {$920.00}. 

XXXX XXXX sent secure XXXX message that he received product back and it works fine. He then lied to XXXX saying it was returned broken. XXXX and Chase reviewed the case without due diligence and possibly with malicious predatory intent to block my due refund. 

So there is still an open dispute for the remaining balance which reflects the {$820.00} i was scammed out of by XXXX and XXXX XXXX in XXXX XXXX XXXX FL, of whom I have filed federal complaint against as well as the {$62.00} return shipping plus usps insurance that XXXX XXXX also filed a claim upon XXXX his commission of mail fraud. US Postal Inspectors complaints filed twice. 

Chase bank rebilled the disputed amount one month after the chargeback since enay was involved and ignored my multiple complaint submissions through their channels now charging exorbitant late fees and predatory interest on the disputed amount in violation of XXXX XXXX. XXXX has also ignored requests for investigations and has a sordid history of fraud and criminal activity I have since discovered researching fellow scam victims

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and obsolete personal identifiers from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my credit report, I noticed the following personal identifiers that are either incorrect or outdated : XXXX. Old or incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX. Incorrect addresses : XXXX XXXX XXXX XXXX, Florida XXXX, XXXX XXXX XXXX XXXX, Florida 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