vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: ME

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hello, I reported three fraudulent Transactions to Chase on XX/XX/year>, totaling over XXXX in unauthorized charges. Chase flagged the three charges as fraudulent, closed the account/ card, and issued a new credit card. Today ( XX/XX/XXXX ), I noticed that the exact three charges had reappeared on my credit card as a valid charge, so I contacted Chase immediately to let them know that the same fraudulent activity had appeared on my account and locked my account as well. 

They informed me that someone in the recovery department had deemed the charges to be valid, which is why they were appearing on my account. They deemed the charges valid because they were made within 20 miles of my home, which is incorrect. 2 of the 3 fraudulent charges came from a merchant in XXXX, CO, and I live in Connecticut. Chase was very little help in trying to get the dispute resolved and noted that their fraud recovery department would contact me in 14 business days. I asked to be transferred to a supervisor and the customer service agent said that no one was available. I am extremely frustrated with Chase Bank and the way in which they handled a customer who has been with them for over 15 years. I should not be held responsible for unauthorized charges, nor should I have to spend several days on the phone with Chase, trying to prove that they were unauthorized. If Chase had done their due diligence, they would have quickly confirmed that I have never purchased any products from the three merchants who put through fraudulent activity on my credit card. Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 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: Experian Information Solutions Inc.
State: NC

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 2024-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Good morning I contacted Fifth Third bank yesterday to ask why they havent taken off PMI since loan is down to 78 % loan value below that and they still are saying they dont have to because they dont know the value but I thought that doesnt matter now that its below 78 % as federal law says they have to take it off so an appraisal or broker opinion doesnt matter. Its federal law to take it off, but they still wont? Why wont Fifth Third bank follow federal law??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a deferred payment Was advised if i didnt receive before XX/XX/year> to contact them.Didnt receive till XX/XX/year> and now I have a hit to my credit saying I missed a payment.Never was I told this would happen and asked if it would happen.I was stated it was in the system, I just had to sign documents and send back.This is the second time Im going through this.First time I made a payment in person at citizen bank and it was still reported late.I am trying to buy out a lease on another loan and now I cant because it looks like I missed payments on my loan/credit.This company needs to be reconstructed. I have never had an issue with any other loan company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
The bank closed my account stating that the IRS put a hold. I contact the IRS and they didnt find anything regarding this matter. They told me that was the bank doing this that I had to contact them. This happen around XXXX XXXX. They hold 4 accounts 3 personal and one business. Here are the account numbers 1. XXXX checking and saving with balance of {$20000.00} combine. 2. XXXX business checking with balance {$1800.00}. 3. Checking XXXX with balance of {$550.00}. All this balance are from last statement I have from this accounts. It took me 1 year and 3 month to be able to get my money back. Every other week I will contact the bank to see if my money was release and always the same answer that it was on hold per IRS. After me contacting them many times I started to go to bank personally and had the teller help me contact them. Finally a manager help me from the XXXX XXXX XXXX and we would stay around 2-4 hrs on the phone with them explaining our selfs to many agents. After all this time they put my money on unclaimed funds which I dont in understand why is I contact the bank many times regarding this matter and I was clamming my money. I told them that they had to pay me interest since they hold my money for more than a year and they said no.

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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On both XX/XX/XXXX, and XX/XX/XXXX I informed ProCollect that I was not responsible for the debt as I had been removed from the lease on XX/XX/XXXX and a new lease was signed at that time leaving just the roommate that was on original lease. When the roommate vacated the premises on XX/XX/XXXX there were additional charges left to pay. Seeing as I was not on the most current lease, I am not responsible for the debt owed. I contacted the original creditor, the property, and the debt collector to resolve the issue and have been told that my name can not be removed by the creditor, the debt collector stated they verified the debt is mine, and the property manager told me I would need to provide the attached roommate release form to both to have my name removed. This has still not been resolved and I am being told by the debt collector that it is my debt and I need to pay it immediately.

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 2024-04-03 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I purchased a leather sectional through Rooms To Go on XX/XX/2023. The delivery was scheduled for the first of XX/XX/2023. The sectional arrived as scheduled minus one piece. The sectional appeared to have no damaged. Within a couple days the leather was already damaged by normal use and pets. I was concerned that the leather damaged so easily. I notified RTG ( Rooms To Go ) about the damages. RTG sent out a technician within a week of the complaint. The technician stated " the leather was over pressed '' meaning its to thin. He made no attempt to repair any damages caused by us or pets. Pet damage is not covered. He stated " the damages stating " its brand new and should not be shredding and pealing '' He said he would recommend a reselect with his boss. After a week I contacted RTG for an update. The representative said I qualified for a reselect but the official determination has not been made. Over the next couple of weeks I called RTG but was told I was denied because of the pet damage. They did not consider the initial issue of the over pressed " thin '' leather as determined by their on investigation. It seems all they due is contact RTG and RTG says denied with out defending the quality or workmanship of the leather sectional. Synchrony Bank has failed to due diligence on this dispute.

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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
can not open a checking account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I received a credit card i did not apply for from HSBC. 
I was not happy with the call to them + felt they did not take the fraud seriously. 
they did confirm they had cancelled when prompted but I do not want this to blemish my credit score. 
They provided a card with a XXXX limit - something i would have been refused should i have requested. 
I asked who signed for it- they said it was all done online. 
Seems they 'willy-nilly ' give away money without proper checks and I would be the one who suffered. I do not even bank with HSBC!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-03 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: MS

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 2024-04-03 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: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2024-04-03 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: SC

Complaint narrative:
I checked my credit report and notice some errors and things that were not authorized by me. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. This is not my account. I have no knowledge of this account 15 USC 1681b. Please remove any information that the creditor cant verify. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MoneyLion Inc.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation