vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated a XXXX transfer of XXXX to a person. Bank of America processed my charge and sent me a confirmation email saying that the XXXX had been confirmed. The XXXX remained processing the XXXX was inaccessible for me to use. Bank of America did not tell me there was a banking error with XXXX and proceeded to send the money back into my account without my knowledge and then proceeded let processing charges be taken out of that XXXX dollars. On the the XXXX of XXXX that same XXXX transfer was processed without my consent or knowledge sending my account into the negative. There was not notice from Bank of America about the changes to my account.

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 2023-01-31 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: NJ

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 XXXXXXXX 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 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 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I applied for forbearance with Cross Country Mortgage at the beginning of XX/XX/XXXX. This was due to loss of employment and loss of unemployment benefits. 

At that time I had to submit several documents to validate my situation. When I submitted documents, per company communication, it was to take no linger than 7 days for them to be reviewed. It took 3 times longer, an average of XXXX weeks to be reviewed. This caused me to not get communication on what other supporting documents were needed. Finally in XXXX XXXX  they deemed that application completed. 

The application was supposedly submitted to underwriting in XXXX for approval. I was originally told it would be approximately XXXX days to get an approved. I kept following up and found not get an answer. They just kept telling me we dont have an answer yet, follow up with us in a couple of weeks. 

Time kept going by, I called every week. Here we are at the end of XXXX XXXX XXXXnd its still not been deemed approved or complete. I was also told by their employees that this would not effect my credit. It did and theyve been reporting late payments to my credit. I was told they were going to remove the late payments but they never did. 

I started keeping track of the employees I was speaking with just to have a record. 

I have gotten so much conflicting information. They seem to be extremely behind on their work and very disorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone opened a Target Credit card in my name. I have tried to dispute this and the company will not look into this. I have even asked them to Validate the debt and they won't send me any information on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
In or around XX/XX/ my XXXX XXXX XXXX checking account went from a positive {$1800.00} to a negative {$1800.00} without any transactions posting to my account to explain how it happened. I got several emails telling me I had insufficient funds and most of my credit card payments where returned. I logged into my account and notice several transactions from Zelle went through even though my account was in the negative. How is this possible? That's when I knew something was wrong because Zelle would never allow a transfer of funds with an account in the negative. I started getting notifications from XXXX, that XXXX XXXX XXXX was taking money out of customers accounts, due to a glitch with Zelle. I have suffered several closed credit card accounts because of the insufficient funds in my account. I was in the process of completing a major multi-million dollar line of credit to purchase real estate. My XXXX XXXX has suffered and was lowered, so now I can't move forward. This is costing me time and money, until I can fix these problems associated with this glitch. The sad part is, XXXX XXXX  closed XXXX of my cards, XXXX closed XXXX of my cards, and the crazy part of it all ; XXXX XXXX XXXX XXXX XXXX and XXXX own a share of Zelle. It should have been no problem to correct this error and not report anything negative to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: FL

Complaint narrative:
I filed a complaint and sent a letter out on XXXX XXXX XXXX to XXXX XXXX, Experian, XXXX, and XXXX. My complaint # XXXX. However, it has been more than 30 days and this account has not been deleted from my Experian account. this is not making any sense being that this account is fraudulent and this company trying to collect this debt isn't even licensed and legally allowed to collect in the state of Florida. 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. As i stated previously XXXX XXXX  is not licensed/registered to collect in the state of XXXX That is illegal! According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 in which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-01-31 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had multiple late payments on accounts that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts : 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 

Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late.

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 2023-01-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act each XXXX XXXX XXXX XXXX XXXX has violated my rights. There are a total of XXXX of these accounts. 

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 I have disputed these accounts previously, it they came back as updated and accurate. I have attached screenshots from my most recent credit report, as well as the full credit report. There are several inaccuracies ranging from the last payment date, date reported, and date of last activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My American Express platinum card change the terms of their rewards program without notifying me of the change. They then processed my 2023 annual fee and will not refund it as I do not wish to move forward with their card after the change and rewards. I feel like if the terms have changed and though it has notified me of the change I should not be held to surrendering my annual fee on a card I will no longer use. The credit card company holds that they have sent me a mailing notifying me of the change but I have never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX my son, XXXX years old, was contacted by a person who identified themselves as a Chase bank employee ( where he banks ) and was able to get him to provide them with his banking information, sign in, account numbers, debit card number, social security number. They said there were issues with the account and needed to check XXXX  and have him XXXX XXXX, all funds would be returned. He did as they asked and they showed him on his account that the money was returned but right after they would recall the deposit. They also deposited money into his account and had him XXXX  it out. On all occasions they would remove their XXXX  information. The would transfer money from his savings to his checking and then XXXX  it out. They did all this by accessing his account by using the information he provided them. They also picked some charges on his account that were large ( he trains for XXXX  at a facility ) XXXX and XXXX and reversed them by filing a fraudulent claim. 
We filed a fraud claim with Chase bank and they provided a temporary credit of XXXX and sent a text saying they were sending a temporary credit of XXXX dollars, the XXXX was never received in my son 's account and when we called the bank said they are denying the claim because his information was used to access the account. No matter how much I tried to make them understand that he was a victim they kept saying it was him. An actual transaction was done on the last bit of money in my son 's account while I was in the parking lot of the bank. My son was in school and did not have access to his account. Just yesterday ( XX/XX/XXXX ) a debit of XXXX and XXXX was done on my son 's new account making the account overdrawn. I contacted XXXX and they said they took the other credit back and the XXXX was them re reversing the reversal ( I actually already paid that company in cash after it happened ). I asked why were we not notified and they said a letter was sent out, it was days ago and they didn't even allow time for the letter to arrive. I feel the original claim should be filed because this is fraud, they are calling it a scam but they are the same thing, someone depriving someone of their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have 5 credit accounts that mysteriously went over to Synchrony. Naming 3, HSN, QVC, and XXXX XXXX. I just got an alert from XXXX that one of my credit lines have been reduced. It was XXXX 's. My credit line went from {$2600.00} to {$1000.00}. They run periodic credit checks and adjust your credit limit according to your XXXX score. My XXXX 's balance was {$1000.00}. Now my credit report will show a maxed out credit card, plus over limit. Unreal!!! They did this to all 5 accounts. I contacted all the companies and told them, by switching to Synchrony, you are losing a customer. All 5 did not care. XXXX XXXX was fine until I refinanced a vehicle, It dropped my score from XXXX to XXXX. I have XXXX years of perfect credit history, but that doesn't account for much anymore. Synchrony iis damaging my credit standing.I had no adverse reports on my credit standing... 
SYNCHRONY 's Response : Our Bank reserves the right to periodically check the credit history of our customers, and to adjust the credit line, or possibly close the account.

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 2023-01-31 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: Informative Research
State: NM

Complaint narrative:
On the evening of XX/XX/XXXX, after working late, I opened a Credit Disclosure Statement from Informative Research stating that I had applied for a mortgage. The address used was the address I had previously lived at in XXXX of XXXX. I was unable to contact the lender, XXXX XXXX, XXXX as it was the weekend and Monday was a holiday. I believed that somebody stole my identity, so I immediately put a freeze with Fraud Alerts at all three credit reporting agencies and called and locked down all of my credit cards. On Monday, I called and left a message with XXXX XXXX ( Mortgage ) to call me back and then called my bank and told them as well. I have also obtained a police report and have a special password should I be pulled over. 
About three days ago, I went through an old credit report and noticed that XXXX XXXX was on there as well and it reminded me that one of my colleagues XXXX XXXX XXXX was trying to help me find a place to live as I was going through a divorce and losing my house. That was over a year ago! I finally was able to contact her last night and she gave me the information to her old boss, XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX I called him this morning and he checked the database and told me the last four of my SSN and my old address. Then he said he needed to get some emails off to corporate and got off the phone real quick. 
Just a bit ago, an real estate agent from his office called me ( caller ID says XXXX XXXX - XXXX ) she pulled my credit " by accident. '' She apologized but was laughing and said my credit looks great. I am very upset and have been under a lot of stress and worry this last 21 days as I believed somebody had my information and was using it nefariously. Shouldn't they have archived or destroyed my information 90 days after permission was given to use it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized wire transfer : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and I Found transaction that I did not make. I had my debit card in my possession and did not authorize anyone to use my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent XXXX week And on XX/XX/XXXX I called again they said the claim is denied. It is said that the same IP was used in Chase. I don't know about that. This is fraud issue!! 
When I called on XX/XX/XXXX, I don't know if they did a wire recall or what kind of investigation they did. I want to know details of the investigation. ( includes date and time ) And I found traces that someone entered my account and changed my phone number and email. attach it. 
I visited Chase Bank on XX/XX/XXXX and sent a complaint letter through the bank teller. 
She said agent would call soon, but there was no call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have not received billing statements via mail nor by email for several years. Yet PayPal Credit c/o Synchrony Bank has made withdrawals from my checking account and have let interest accrue during the same time period. After attempting contact Synchrony Bank I received the first mail correspondence in years.

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