vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX has been calling me every single day around 7 times a day maybe more and it hasnt stopped. I have XXXX issues regards to my XXXX right now that this constant phone calls isnt helpful whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX and XXXX 2023 our 2 checking and1 savings account money was stolen from our account. The accounts were linked. 
This happened at Chase bank at XXXX XXXX XXXX XXXX. XXXX, Il XXXX. 

Total amount stolen XXXX Account Ending in XXXX - XXXX. 
Account Ending in XXXX - XXXX. 
Account Endng in XXXX - XXXX. 
Total of all 3 accounts - XXXX. 

Chase says they looked into the loss and that I had stolen the money because my Pin was used. 
We went into Chase to appeal. The person that helped us looked at the activity and determined that it was not our fault. They called Chase fraud and had the case reopened and explained why. 
-The person that drained our accounts used XXXX XXXX. We have been with Chase for YEARS. 
- We have never used XXXX. 
- Why didn't Chase fraud see this unusual activity??? This all happened within 24 hours. 

They denied us a second time, same reason. 
This happened at the branch address above. They should be able to get pictures of this person. 
I am opening a police report tomorrow, please call me at XXXX with a incident report number if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander recently involved in a class action lawsuit. As a result, there was judgement that was passed down basically stated that any derogatory associated with those companies as far as the repossession goes has to remove that off the consumer report. Due to missing information being reported. They are also in violation of the UCC code. As a result my account was involved in that class action lawsuit and would like it deleted off of my report before I take matters into my hands a step further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fruad inquiries Appearing on Credit Reports delete Immediately From Credit Report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fruad inquiries Appearing on Credit Reports delete Immediately From Credit Report. 
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 2023-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Bank is not releasing my money. Check payees are verified, pretty sure it's a cashier 's check. They say they can not verify XXXX 's phone number. XXXX is the XXXX the account was held at that was closed out and the check issued. Their phone number is listed on their website, consumer information sites, government websites- and is a 1800 number that they pay for and register to themselves. Chase bank 's loss prevention department says it is not verified in their system ( that is based off of public record ) so they can't call it to verify funds. I have provided email correspondence from XXXX verifying the check. They refuse to release my funds. There is no number verified in their system to call and verify the chrck- though it has already cleared and they are just holding my money. It is XXXX This is negatively impacting every aspect of my life and causing extreme problems. I can not retain custody of my children over this. I can not purchase a vehicle. I have food insecurity. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
I am already seeking law advice from a firm, however, PHL has crossed incompetence and floated itself past unprofessionalism and into criminality. Since XXXX we have been told that ALL information related to the assumption of our loan by a buyer ( new divorcee ) was received and collected. Since XXXX we have been told that we were 1-2 days from the closing document, outside loan companies have wired closing money 3x times thinking our closing day was here. Only for PHL to not return calls or say anything for a week. There is not a single employee who can be trusted for their word or anything they say. I have already filed two complaints through XXXX against PHL. Last week I asked for a contact back on what is going on. The head of the XXXX XXXX, XXXX XXXX, conveniently called within an hour of XXXX sending them my complaint. Unfortunately she has not responded nor did she call me back when she said she would. I find myself without the ability to discuss the nearly $ 800k loan I own with Planet Home. I want XXXX to call me back and explain to me where my lawyer can send his letters. I also need to know if XXXX qualifies as a " party '' for PHL or if the complaints to the Consumer Financial Protection Bureau should name PHL in general. The criminal elements include discrimination based on gender ( we believe they would not have turned this process into what it is if the wife was buying my house ) and the damages they know they are causing. I have a XXXX XXXX XXXX child since this process began to play out, currently relocated from XXXX XXXX XXXX blew up the original house purchase ( forfeited $ XXXX in earnest money ) in XXXX  due to this, most likely going to lose any future purchases based on this issue. Homeless with a XXXX XXXX because of PHL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting information inaccurately on my credit report affecting my opportunities for work and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Butler and Associates, PA
State: TX

Complaint narrative:
This company has attempted to garnish my wages 3 times. I live in Texas which is a non-garnishment state but yet they keep filing garnishments. I have no idea what the debit is and I am never notified of the garnishment attempts. I do not believe the debt is even valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was recently scammed by a dance company I purchased a uniform for with different payments for different parts of the uniform. Because of this I called to dispute the parts of the uniforms and the transactions with Chase. The amounts were ranged between XXXX XXXXXXXX {$400.00}. I woke up one morning, on the XXXX XXXX XXXX and my account wouldnt let me transfer. I called and theyd said the claims department told them to close my account, there was no warning, or any call to inquire about my claims! Just closing. I have money {$62.00}, and {$160.00} stuck in my checking and savings account. It has been 4 days and I havent received an update about the closure of my account or my money! This is unfair as I used this account for my business, XXXX XXXX XXXX XXXX XXXX XXXX. I am also a XXXX XXXX  who doesnt have the means to keep opening accounts. This needs to be fixed, as Ive done nothing wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries 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 2023-06-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit score dropped XXXX points today. I want a clear explanation and resolution as to why my credit score would have dropped significantly! All the remarks reflect a new credit card was opened with XXXX XXXX  on XX/XX/23 which should have only dropped my score XXXX points. XXXX is not only in violation of my rights. They are misusing their own systems of credit reporting. This issue needs to be fixed immediately! I have called and submitting a dispute on their website in regards to this and have yet to recieve any update

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 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2023, Synchrony bank closed my newly opened 2 % cash back XXXX, which I held for approximately 1 month. They closed it because they are a conservative lender, and as such, assumed I couldn't repay my bill now or in the future. I used this card to make my yearly tax and loan payments, and paid the entire balance in full. In the process, I earned {$780.00} in rewards, as shown on the attached statement. I opened the account for the sole purpose of the advertised 2 % cash back, however these rewards were stolen from me.

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 2023-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.

Complaint narrative:
On the XX/XX/, I got a call from an unknown caller saying He was from XXXX XXXX. He told me that someone has tried to use my account details for fraud. He said that he would have to move all my money from XXXX XXXX  to Revolut because my account is under investigation for fraud. He then had me download the Revolut app and sign up which I did. I believed him because he said he was from XXXX XXXX  and he was very convincing. He had me move my money from XXXX savings account into my XXXX current account and then he told me to move some money into the Revolut account ( first i transferred XXXX then he had me transfer another XXXX ( I have uploaded a picture ) Altogether I moved XXXX into the Revolut app account. 
When I realised that the balance in the Revolut account is XXXX and there has been a deduction of XXXX and XXXX and money had gone to a name called XXXX me XXXX XXXX, I realised it was fraud then I called XXXX XXXX  ( my bank ) immediately. Then when the caller realised I had XXXX XXXX  on my land line phone, he cut off the line. 
I contacted XXXX XXXX  and they told me to contact Revolut. I contacted Revolut to help me resolve the issue and they said they are unable to recover my money. They said the transaction is invalid which is unsatisfactory because I did not take the money from the Revolut account. The scammer took the money. The balance in the Revolut account is now XXXX. The money I transferred from my XXXX XXXX  into the Revolut account was taken by scammer. They used the name XXXX me XXXX XXXX. 
I have asked Revolut to recover my money but they said the transaction is invalid which is not true. I believe they can trace where my money has gone to but they are not doing that. 
which is why I am contacting you. Please can you help me look into this issue. 
Please can my money be refunded back to me as soon as possible. I need my money back. I dont have a job, I lost my job, I am unemployed. Please help me recover my money. 
I have also reported the case to the police. Here is my crime reference number : XXXX 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fruad Inquiries appearing on all three Credit Reports. 


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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Westlake Services, LLC
State: TX

Complaint narrative:
Adding late payments to my credit ... collections and charge-offs effecting 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 2023-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Albert Corporation
State: CO

Complaint narrative:
I never got a loan. There was no option for not receiving a loan. I tried to use an app called Albert to get a cash advance until my payday. Not only was I denied but the moment I was denied and seen the app was messing with my banking information and account I had asked to have my account deleted and I had tried to delete the account myself so Albert the app would not still have any access to my account since I was denied. XXXX weeks later my check was supposed to hit Friday XXXX XXXX and come to find out Albert not only denied me and stole my money but it took 100 % of my {$910.00} check I have yet to get my money and I am highly distraught. I have been scammed and this is disgusting that an business is even allowed this much access after having denied me any money but somehow the same business can take 100 % of my check in which they gave me {$0.00} no money at all

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: PA

Complaint narrative:
I currently have a few Fruad accounts and inquiries listed on my credit report. 

Accounts 1. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$590.00} 3. XXXX XXXX XX/XX/XXXX {$200.00} 4. XXXX XXXXXX/XX/XXXX {$330.00} Inquiries 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. 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 2023-06-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was managing my XXXXXXXX XXXX account. I signed in on XX/XX/23 to realize several unauthorized XXXX XXXX  card transactions. I called and reported it as soon as I realized it and filed a claim. I know someone on the fraud team who was able to review the atm footage and showed me the image of the person who stole from the account. It was my XXXX at the time. I immediately called the police and XXXX XXXX  charges. XXXX XXXX the XXXX card from my wallet and replaced it with an XXXX  card of someone else so I wouldnt know it was missing. The bank denied my claim. I called and explained the situation and the rep refiled the claim as I work for the bank and another friend looked up the claim and advised me the first one was entered wrong. I have proof in form of texts and video that show my now XXXX admitting to stealing the money without my knowledge. The bank again without reaching out to me, denied my claim. I am working with the detective who has told me she sent the bank a subpoena for the atm footage for all the ATMs he went to. The detective is working with a XXXX  XXXX for the bank who first claimed couldnt find the account even though account number, titling, and my own name was provided, now they have found the account but are still delaying handing over the footage for some reason even after they told the detective they found the account. It is now XXXX, 3 months after I reported it and the bank still has not handed the footage to the detective so that an arrest warrant can be issued. The bank does not seem to care that this is a XXXX XXXX  situation and doesnt seem to be putting effort to stop the financial abuse I was put thru. I am working with an investigative reporter who will be doing a story on this for XXXX and all details will be made public, including how citizens refuses to help. My XXXX  also opened up phones fraudulently in my name and another credit card with a different bank that those companies were able to resolve for me. Citizens is the only bank not willing to help resolve a financial abuse situation and is doing all means to not hand over the footage to the police. They instead closed the account and never credited me for the fraud. I will be speaking with a lawyer regarding the treatment by the bank.

Company response to consumer: Closed with explanation