vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/2023 I call and spoken with a Chase Claim Agent about some fraud charges that is coming from Amazon.com and XXXX. I mentioned that I wanted to report all of the charges coming from both of these merchets as I do not recognize them and a claim with this reference number was made ( XXXX ). On XX/XX/2023 I received a notice that my claim was DENIED. I call and speak with a claim agent supervisor on XX/XX/2023 at XXXX XXXX, my local time. I was informed that the reason for the denies is because I didn't include all of the transaction from XXXX  and that there was noting they can do. I XXXX XXXX did included all the transactions when I made the call on XX/XX/2023, if the claim agent who was taking down my fraud report forgot to include some of them, how was that my fault as the client who bank with them? CHASE BANK also CLOSED my claim case without even doing a fraud investigation on it and solo reason was I didn't include one or more transaction coming from XXXX. CHASE BANK outcome with this claim case is unfair as they're REFUSING to even do a investigation. Their own agent forget to include one or more transaction coming from XXXX and is flat out blaming me as the client for it and refusing to even do a investigation. CFPB please help me with this as to why chase bank is treating me unfairly. 





Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
XXXX XXXX XXXX My personal information is all wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need them to respond to the complaint and previous reports and send me the investigation and third party contact information

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is not trying to fix anything all they are doing is pushing credit cards

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to XXXX XXXX them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through XXXX using my chase credit card and they sent me a tracking # via XXXX. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " XXXX  '' on XXXX and message so I have no way of contacting them. XXXX would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes ( one w XXXX, other w chase ) and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 : # 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I recently graduated from college my student loans are now through Navient. My partner, XXXX XXXX has student loans through Navient and I am not associated with his loans and am not a contact he would have given Navient. I am assuming that because we live in the same house they have started contacting me to try and reach him. On XX/XX/23 at XXXX XXXX  ( PST ) I received a call from a XXXX XXXX saying : " has me listed as a possible contact for XXXX XXXX and I'm trying to get a message out to XXXX but don't seem to have a working number so I was contacting you in the hopes that you might have an updated number or possibly a suggestion on how to get a message to XXXX. '' XXXX has talked with Navient in the last two weeks, they know they have his updated contact information, they have made notes on his account. The information that this man XXXX XXXX left on my voicemail is false. I reached out to Navient and was told by the woman I spoke with that when they can't reach someone they will try to contact the other people listed as family. I am not listed as family on XXXXXXXX XXXX account, and told them not to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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 1681XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX 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 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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of identity theft and banking fraud and had over {$12000.00} stolen from my Chase checking accounts and the bank refuses to recredit my accounts concluding that the transactions were authorized. But I have provided detailed evidence to the bank that the transactions were fraudulent and I reported the fraud promptly. I have attached a two-page affidavit detailing what took place and attached evidence showing proof of my assertions.

In summary, I received a call from Chase Bank 's fraud department on XX/XX/2023. The call came from XXXX which is Chase Business Customer Service 's phone number. A person identifying himself as XXXX from Chase 's fraud department told me he was calling to determine if a suspicious transaction was authorized by me. I told him that it was not and that it was fraudulent. He said that Chase would decline the transaction and that my debit card and online access needed to be shut down because they had been compromised. Everything he said was verified by Chase email, the pending charge reflected on my bank account, text messages from Chase, and a message sent using Chase 's mobile app. He asked questions about my account name to verify my identity but not my password or pin number. After the call ended, I received a Chase alert that my account balance had fallen below {$2000.00}, which was strange since I had over {$4500.00} in that account. I immediately called Chase Bank back on the same number XXXX and learned that the individual I was speaking to previously was a scammer and that multiple unauthorized transactions were now pending. I asked Chase to decline all these transactions because they were unauthorized. The next morning I went to the bank and filed a formal complaint.

The bank is now refusing to refund the money claiming that the transactions were " authorized. '' But I disagree. How can they be authorized when the evidence shows I was scammed. I was called by someone from Chase 's number, using Chase 's email letterhead, using Chase 's mobile app for messaging, and a Chase text message. Information clearly obtained by fraud does not make a transaction " authorized. '' Please read the affidavit and look at the evidence provided. This was a very sophisticated scheme and I was not negligent or grossly negligent. Also, I reported the transaction within hours ( 2-3 hours ) and the fraudulent transactions were still pending and Chase did not stop them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/2023, I was offered a trial product from XXXX XXXX and was told to pay for shipping which amounted to {$5.00}. I contacted the company XXXX days later via phone and informed them that I will not be subscribing to their product. On XX/XX/2023, I noticed that there was a pending transition for the amount of {$75.00}. I contacted Paypal credit when the transaction was posted and still, they haven't rectified this issue.

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 2023-08-18 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: ADP Inc.
State: CO

Complaint narrative:
On XX/XX/2023, I checked my debit card account because I was trying to make a car payment and realized {$80.00} was missing out of my account. I immediately called ADP Wisely card and reported this. Today I received a email stating that they are not going to give me my money back and that's not fair. ADP Wisely  have robbed my account and I want my {$80.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts :

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am following up with CFPB Complaint Case XXXX. 

I complained that a teller at the XXXX bank provided me false information to delay my dispute submission which took me outside of the 60 day liability window within Regulation E. Truist did not address this item in their response at all and it leads me to believe they find this to be an acceptable practice which ultimately harms consumers such as myself.

I received the response letter that states " the documentation that was requested from Centralized Fraud Claims did not provide specific detailed information such as a receipt or confirmation email from the merchant to move forward with your case. '' Why is my dispute of merchandise not received impacted by the " centralized fraud claims '' team? I don't even know who this group is and how is it my fault that they didn't provide the receipt? That doesn't even make sense. It is the banks responsibility to disprove my claim. Please engage your legal department to ensure you have a proper interpretation of Regulation E as I find this case to be a violation of law. The subsequent letter they sent says that my dispute was denied because the transaction was authorized. Of course it was authorized. I never said it wasn't ... My dispute is that I didn't receive the merchandise. Please review my dispute as submitted and provide a lawful outcome that doesn't violate 1005.11 and the various requirements in that regulation. You have the claim categorized incorrectly and the fraud team is reviewing a dispute that wasn't submitted as fraud.

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 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: IL

Complaint narrative:
I transferred XXXX XXXX  XXXX  from my US account to a beneficiary in the XXXX using XXXX XXXX XXXX  app ( XXXX XXXX XXXX ), The beneficiary never received the amount. Despite contacting XXXX multiple times for more than 2 weeks, the agency could not trace the funds and blamed the beneficiary 's bank for not being able to trace the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
First of all the company BMW Financial is not my account second they are filing late pays on my report, and the credit bureau is letting them do this. According to 15 usc 1681b they can't. Furthermore they won't let me dispute reports that the statue of limitations is 2 years pass the limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
fraud account has been disputed and they have charge off the debt with a 1009 c form with the IRS and still reporting every monthly that this fraud account is past due.

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