vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: OR

Complaint narrative:
We have ongoing fraud on a business checking account. 

A total of {$24000.00} was withdrawn since XX/XX/XXXX. Chase bank has reversed {$11000.00}, but refuses to reverse the remaining {$13000.00}. 
A claim with Chase was made when the withdrawals were discovered on XX/XX/XXXX. 

One cfpb complaint ( XXXX ) was filed for {$10000.00} withdrawals in XXXX. 

This is an additional claim for two fraudulent withdrawals that Chase refuses to reverse based on their " company policy ''. 
XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$1500.00}. 
These withdrawals occured on the exact day of the first Chase fraud complaint, and one week earlier. 

This bank account was closed and reopened with a new account number. Today, XX/XX/XXXX, the chase system brought to our attention of two new possible fraud charges on the brand new account just opened on XX/XX/XXXX. They obviously did not stop the fraud as it occurred on the new account immediately. 

Chase has not protected our funds. 

The fraudulent vendor is listed as " XXXX XXXX ''. I spoke with their fraud department today. They have no record of the transactions what so ever. They stated Chase bank is the only one who can solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. I was a joint applicant on this account. They sent a debt settlement to my daughter ( primary account holder ) in the amount of {$1000.00} dollars and stated that they would accept the amount in 6 installments, and once the amount was paid they would delete the account from her credit report and my credit report, 30 days after the last payment was made. They did not do what they stated and they reported the account late for for 6 months and then reported as a charge off and XXXXXXXX XXXX and states the amount owed is {$1300.00}. This improper reporting has stopped me and my husband from receiving a new mortgage loan. My daughter and I have both spoke with agent from XXXX XXXX and they continue to refuse to delete from our credit report. 

Capital One keeps reporting a late payment in XX/XX/2023 and during that time I was returning to work after having XXXX. They refuse to remove the 1 late payment. 

The same thing with XXXXXXXX XXXX, they continue to report a late payment in XX/XX/2023 and at that time I was out with XXXX. I spoke with an agent and they stated that they would remove the late payments, but they have yet to remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX last 4 of SSN-XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Last 4 of SSN- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I set up auto-withdrawal in XX/XX/XXXX, with my two required payments that month going through successfully. While the letters confirming successful withdrawal have dates that don't align with my account 's stated due dates for both letters, I figured it was just a delay in how they send out their notices. 

In XX/XX/XXXX, I assumed my payments would again run successfully. On XX/XX/XXXX I received an email alerting me to a new message in my account, which was a PDF scanned letter confirming the amount to be automatically withdrawn. On XX/XX/XXXX, I received a second email about an important notice, which was again a PDF letter dated XX/XX/XXXX indicating my payment was overdue. I spoke to a few representatives, none of whom could explain why I was not receiving timely notifications about overdue payments that are resulting from their attempts to withdraw the funds. I then asked to have my due dates become one due date in the hopes this would solve the issue and allow me to plan better for the withdrawals, to which they replied they'd need to research if this was a viable solution. I have not since received a response. 

Because I don't trust them, I log in about once a week to check my account. I logged in on XX/XX/XXXX to find again that my payment was past due because there were insufficient funds in my bank account, but I once again never received any notifications about the attempt to withdraw the funds. At XXXX on XX/XX/XXXX, another PDF letter was added to my account indicating my payment was past due ; however, I have not received any emails even indicating that a message was added to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have contacted Wells Fargo numerous times about automatic platinum elite status that comes with my XXXX XXXX XXXX  credit card. They continue to deny it has anything to do with them and refuse to send over the qualifying nights to my XXXX XXXX account so I will have platinum status, even though this is one of the benefits and is in the contract with Wells Fargo. I am paying for this benefit with my annual fee and yet they are not providing the benefits on their end and will not rectify the situation. 


AUTOMATIC PLATINUM ELITE MEMBERSHIP Receive XXXX XXXX XXXX  credits qualifying for at least Platinum level status each calendar year.

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 2024-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Remove the fraudulent info or face legal action! I won't wait delete the fraudulent account immediately. No more delays fix it now, or my attorney will sue you in 30 days. Take this seriously and act immediately to avoid consequences. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please remove.

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 2024-02-21 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
ID THEFT I don't use this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company lead me to believe that I would not have any additional payments on my loan since they were going to settle for a less amount, yet after they made a settlement, they continued to charge my account and report me to the credit bureaus for being late. They did not clearly explain that I had to still make payments. And all attempts to notify me of additional late payments were understood to be systematic given the nature of my communications with their team prior. I've tried to dispute this with the credit bureaus many times and have had many conversations with them but they refuse to share audio recordings of the phone conversations I had with their team to substantiate my claims 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 explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the fair credit reporting act these accounts on my consumer report Account Number XXXX Account Number Account Number Account Number Account Number XXXX Dear Sir/Madam, I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
According to the fair credit reporting act these accounts on my consumer report Account Number XXXX Account Number Account Number Account Number Account Number XXXX Dear Sir/Madam, I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXXXXXX 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 2024-02-21 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: TX

Complaint narrative:
Recently I disputed accounts that were on my credit report that did not belong to me. I was a victim of Equifax data breach that ultimately resulted in me being a victim. I have disputed this information countless times with Equifax and provided information to Equifax that this fraud was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I have disputed my XXXX XXXX XXXX XXXX XXXX account several times with Experian due to reporting incomplete information on my consumer credit report regarding this credit card account since the account was opened in XX/XX/2018 After the disputes were completed by Experian, Experian filled to update the account to show all complete details per the FCRA. The account shows as " NO STATUS '', which in fact the account have been opened since 2018 with all on time payments. 

I have attached XXXX pdf ( s ) to show how Experian is currently reporting this account without all necessary incomplete details of 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 2024-02-21 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: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
ID THEFT I don't use this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: OH

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXXXXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Third time making this complaint because Citi executive response team refuse to do their job. They like to lie and keep closing my case without actually doing their job. Which is completely fine because I will keep making cases and I will keep calling and I will keep reaching out to whoever till I get my money! Citi bank still has not called XXXX but decided to close my case with no resolution then when I recalled on XX/XX/XXXX the lady re opened my case and told me Citi would call me and do a three-way conference call with XXXX to verify the check the citi refuses to give me,. NEVER got a call but yet again they close the case with no resolution, and still keeping my money.. so I took it upon myself to do Citi bank employees job and I called XXXX and the representative agreed to stay on the line while I call Citi response team phone number ( XXXX ) XXXX! the lady who answered the phone attempted to get a hold of the person that was handling my case but of course she wasnt available.. So like I said yall can keep closing the case all you want but until I get my money, Im going to keep calling and Im going to keep making cases! Do your job and this could of been settled MONTHS AGO! But instead your attempting to keep my money simply because your too lazy to call and verify a check that HAS CLEARED TO CITI BANK SINCE XX/XX/XXXX! Horrible customer service from everyone involved! XXXX is probably the worst employee and worst person to have in a department thats supposed to be for investigations. She wont even call XXXX to verify probably because she does not want to be wrong! shes no help shes useless and shes purposely avoiding calling XXXX  to verify the check! Someone who has a brain and is willing to help needs to take over. Im not letting Citi bank get away with stealing XXXX dollars from me that I worked hard for simply because XXXX refuses to do the job she gets paid to do. I understand your company is doing layoffs and you guys are losing money, but that doesnt mean be spiteful to the people that were your customers.

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 2024-02-21 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: LEXISNEXIS
State: IL

Complaint narrative:
It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

The delay in opening my account has caused several inconveniences for me. I had planned to utilize the services provided by your institution for various financial transactions. Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues. 

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. I trust that you will address my concerns promptly and take the necessary steps to ensure a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$12000.00}.

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