vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I lost my debit card and transactions were made fraudulently while it was not in my possession so I disputed the charges to which NFCU responded that the charges were valid and did not refund me my money in the amount of {$350.00}. HOW CAN I BE HELD LIABLE FOR CHARGES THAT WERE COMMITTED FRADULENTLY?!? 

Please refund my money in the amount of {$350.00}!! 

Thank you in advance!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
The personal information have been removed per the request : To the Consumer Financial Protection Bureau ( CFPB ), I am reaching out to express my profound dissatisfaction and frustration with the way a recent fraudulent activity on my Chase debit card has been handled. My account is under the name XXXX, and the account number is XXXX 
Between XX/XX/2023, unauthorized transactions took place on my debit card at XXXX XXXX ( {$2200.00} ), XXXX ( {$1500.00} ), and XXXX ( {$2600.00} ) in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, GA. I promptly contacted Chase customer service on XX/XX/2023, upon discovering these transactions while I was on vacation in XXXX, GA between XX/XX/XXXX and XX/XX/XXXX. I can provide evidence to support my claim of being away during that specific period. 
Despite presenting clear evidence of my absence from the transaction locations, the Chase representative stated that the bank couldn't take any action as the transactions occurred within a XXXX radius of my home. This response is not only insensitive but also fails to acknowledge the possibility of fraudulent activities beyond my control. 
I explicitly requested an investigation into the matter, urging Chase to use any available surveillance footage from the transaction locations. Unfortunately, Chase has not cooperated and has dismissed my request for an investigation. 
It is alarming that I did not receive any notifications from Chase about these suspicious activities, raising concerns about the effectiveness of Chase 's security measures. My stolen debit card was used with a signature instead of a PIN, emphasizing that the transactions were not authorized by me. 
Referring to Chase 's insurance policy, which assures customers they won't be held responsible for unauthorized charges, I expect Chase to honor its commitment and promptly refund the entire amount of {$6300.00} to my account. I have filed a police report with tracking number XXXX. 
I urge you to thoroughly investigate this matter, reconsider the denial of my claim, and take appropriate action promptly, and refund my money which was taken from my account without authorization. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I ordered a couch and two side chairs from XXXX XXXX for a total of {$3900.00}. I paid for the purchase with my Citibank debit card and the entire amount was taken at that time. I was provided a delivery date of " XX/XX/XXXX. '' I checked on status of the order several times in XX/XX/XXXX with no response. 

I inquired with XXXX XXXX customer service and XXXX XXXX, Director of Customer Experience personally and never received a response. As of XX/XX/XXXX, my orders were " Cancelled '' by the company and I was referred to XXXX XXXX to file a formal complaint. I never received a response from them.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Take a look at the attached documents. I am requesting the bureau to begin an investigation into these accounts, as I have never been late, despite being reported otherwise.

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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
From XXXX XXXX I deposited XXXX to Robinhood. I purchased bitcoin for about XXXX and left the rest in the account. I waited a little bit to let the funds settle and I tried to send my crypto to my personal wallet and they denied the transaction and immediately restricted my account from depositing, buying, and withdrawing my money. The only thing I could do is sell my assets. A couple days later they told me to upload a bank statement and I did. Then I called and asked them for an update and they said my account restriction will be lifted. It was not lifted and I received an email saying they were going to close the account and return the funds if eligible in 15 days. This wasnt true either, I called back and they said they were not going to return the funds. I then sold my assets for a lost of about {$300.00} and now Im just trying to withdraw my funds. I keep receiving an email saying the same automated text that my funds will be returned if eligible in 15 days. I do not find this true at all because there are many people I talked to in this same situation who did not receive their money and had to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Since at least XX/XX/2023, Ally Banks website has not permitted customers to change or cancel scheduled transfers ( e.g., a transfer from an individuals primary checking account to Ally Bank, or vice versa ). As a result, unauthorized transfers have been made, customer accounts have been overdrawn, etc. Ally is aware of this issue and claims to be working to resolve it, but they have not provided any ETA on a resolution. Nor have they notified customers or included a notice on their website explaining the issue. Until the issue is resolved, customers only option is to contact Ally customer service and ask them to cancel the scheduled transfers. Because of the issue, customer service hold times are steadily increasing, Ally Bank is an online savings institution. It is completely unacceptable if their website is nonfunctional for one day yet here we are, going on XXXX weeks. Providing customers full control over their deposited funds is the bare minimum a bank should be required to do.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST COMMUNITY MORTGAGE, INC.
State: FL

Complaint narrative:
I called FCM as I was attempting to get placed on Bi-weekly payments. I'd waited to submit payment since I'd prepaid my mortgage to be sure that I could enroll... There was an issue enrolling in bi-weekly payments & I've got some late fees that I still disagree with. 

I placed a payment with the person on the phone on XX/XX/2024 to be current and was told to call in XXXX for the next payment to process - unbeknownst to me- the payment being as large as it was, bounced in my account. The funds are there. They payment bounced on XX/XX/2024 with no notification being sent to ANY of my communication devices - email, phone, text, ie. I received a generic call ( see attached for transcript ) on XX/XX/2024. Seeing as in the past - these have sometimes been sent by mistake, I ignored it. I've logged in to pay my next months bill only to find the payment has bounced AND I've been accessed a late fee- this will involve me again going through a phone call to work with the agent to get my loan current & I've been dinged on my Credit as they've already processed a late payment on my Credit History. 

How would I have known!?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I was trying to buy a house and I realized I have damages on my credit report according to the 15 USC 1681 law the should not be any damages on my report its a defamation to my character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove all hard inquiries 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
In XXXXXXXX XXXX, I applied for housing at XXXX XXXX XXXX XXXX Al XXXX They were running a special, {$0.00} application fee and 50 % off of first months rent! After applying, I never received an acceptance or denial letter. Fast forward to XXXXXXXX I disputed the collections but was unsuccessful. Today XX/XX/XXXXXXXX XXXX I reached out to the collections agency and they informed me that I had to provide my debt card information for them to assist me with the details of the collections, I DECLINED! I then reach out to XXXX XXXX and spoke with a nice gentleman that explained to me that during that time the person working there didnt apply the correct code or waive the application fee, so I was charged! He did say because it was already sent to collections, he couldnt fix it on his end! The reason I never received any correspondence from XXXX XXXX or the collections agency is because they had my physical address and not my mailing address! I dont think I should be penalized for the mistake of XXXX XXXX employee!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: MI

Complaint narrative:
The collectors are calling numerous of times and leaving voicemails and text messages to myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I received a statement from MOHELA on XX/XX/2XXXX  claiming that I have a past due balance of {$370.00} and {$370.00} current due. I did not receive any billing statement for XXXX therefore I should not have had a past due balance. The statement for XXXX was not received 21 days before the amount pursuant to 15 U.S. Code 1666b. I did notify MOHELA promptly of this error. 

I then received a statement from MOHELA on XX/XX/ claiming that I have a past due balance of {$740.00} and {$370.00} current due. I did not receive any billing statement for XXXX. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. The statement for XXXX was not received 21 days before the amount due pursuant to 15 U.S. Code 1666b. I did also notify MOHELA promptly of this error. 

On XX/XX/ I received 3 letters from Mohela dated XX/XX/ with statements for XXXX, XXXX and XXXX. The billing errors were never corrected, they only printed out new statements. I have been adversely affected by this company 's negligence in this and another matter that I will address in a separate complaint. My credit score dropped XXXX points and it cost me to lose out on a deal that I would have entered into with {$24000.00} in equity. I have suffered financial harm and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have repeatedly requested that Experian place a credit freeze on my account. Over a dozen times since XXXX XXXX, i have place a freeze and Experian allows the freeze to be removed through its automated online system. I have requested three times that the " member account '' be deleted and to allow me to establish a new one that I control, not the fraudster. I have faxed the requested information ( driver 's license, social security, address ) to Experian three times. They have done nothing. Most recently, I froze my account on the XXXX XXXX XXXX and faxed the information to cancel the existing account and open a new legit account. On XX/XX/, someone unfroze my account. On XXXX XXXX Experian told me they have no record of receiving my faxed information. 

Further, I asked that Experian remove all hard inquiries that have occurred since the last time I made a legitimate request for credit. Experian tells me that I will have to go one by one with the name of the creditor and the date of the inquiry in order to remove them, a process that will take hours.

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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist sent this account to a debt collection agency. I made payments according to the agreement then I filed a complaint against the debt collection agency in which was a scam company. Truist then continued to report unpaid payments to the credit bureau which negatively affected 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent several letters asking for the removal of inaccurate information including personal information that is reported on my credit reports. I have in return, received letters stating that they can not verify my identity. I have sent in a copy of my id information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company has defrauded, coerced and attempt to extort me the consumer.. 

There are few key violations here, As per IRS PUBLIC 4681 Charge Offs are considered canceled by the irs which means they are taxable income and can not be reported to a credit report as well as Topic 431 of the IRS which are attached below therefore they must be removed off my credit report subject IMMEDIATELY AS IT IS ILLEGAL AND INACCURATE REPORTING against a consumer Not to mention this is a case of identity theft as I do not recognize this account and i submitted a prior identity theft affidavit for the same account whihc was then re-applied to the consumer report this is egregious and gross negligence and a clear violation of my right to privacy as per privacy act of 1974. 

Please see the attached stolen identity affidavit

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I contacted XXXX XXXX about a account ending in XXXX and XXXX and they told me verbally that I dont owe them anything and I never did business with this company and early warning has put the account back on my report and I want the negative status to be removed off my report. I have a FTC report if they want me to send it by mail I wouldnt mind. XXXX and unknown account number XXXX I want to dispute and removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in XXXX and sent it to the Bureaus. Please see the attached file on this complaint

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this complaint

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 2024-01-05 00:00:00
Product: Credit reporting 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: 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 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have hard inquires on my report that I would want removed off my report due to identify theft 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