vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is my second cfpb complaint for this same issue. I have contacted the merchant ( XXXX ) and they have said they issued a refund in the amount of XXXX GBP to Chase for the transaction in question on XX/XX/2022. 

That refund was never posted to my Chase account. XXXX provided the following information via their online chat : Name XXXX XXXX Email address XXXX Order number XXXX XXXX XXXX XXXX code XXXX Name of the bank Chase Account holder 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX 

Please rectify this ASAP as it has caused my card to be at and over limit for beyond a years time. This has been a back and forth at my expense and now the onus is on Chase to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the name of the business is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I discovered a check when I was going through company account that had been cashed that we had never sent to the person that cashed the check. The check amount was {$16000.00} immediately I called the company that I sent the check to and asked if they had an employee with that name they responded no, my next step was to go to Huntington bank in XXXX and report the fraud to them and I brought proof that it wasn't a check that we had written, it was something that somebody had made and then put the same amount that we had written the check for to our vendor. In the meantime, I checked my statement analysis to ascertain that I still had a security suite in place with Huntington Bank which I verified. I have been charged {$70.00} a month for fraud protection t since XXXX. Huntington bank told me that they had to do a fraud investigation and there was a good chance that I would not get my money back and I said why and they said well the security suite that you have didn't cover check fraud I was livid then I said why am I paying for this and asked them well what's it for? They really did not know so I think they made something up just so they wouldn't have to pay me. I said you guys have insurance for this type of thing and I would expect that I am going to get reimbursed. So they said they had to do a fraud investigation first which now it is coming up on two months I was told the check was cashed at a XXXXXXXX XXXX and XXXX XXXX won't contact them to discuss reimbursing Huntington that is not my problem I can not I can not afford to lose {$16000.00} because the two banks don't want to pony up the money. I personally think Huntington doesn't think that they should be accountable for this. My phone number is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Enerbank charged me for 18 months double my payment of {$79.00} on the XXXX of each month. I called about 3months ago about this problem and they did nothing. I want my money back and they refuse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CT

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported that I owe a debt of {$5900.00}. They have sent the debt to National Credit System collectors. I notified XXXXXXXX XXXX of my plans to move to XXXX Texas due to a new job which I started in XX/XX/2023. I closed on a house in that same month. I did not leave unpaid rental fees for the lease that was up in XXXX of XXXX. During the exit tour of the apartment the property manager, who is no longer employed at XXXX XXXX, gave me the ok that all was fine ; the apartment was not damaged, it was clean and I passed the exit tour with nothing due. I gave notice of intent not to renew my lease in plenty of time but it is noted here that I tried 7 times to meet with the management team to acknowledge the receipt of notice. I continue to have repeated unanswered communication with XXXX XXXX. I have had one returned cal from a district manager who said she would get back with me and I have not heard from her since. I have repeatedly requested an itemized list of charges from National Credit Assc and have received nothing. 
I need help in getting this resolved. After hundreds of people left with unpaid rental charges after the pandemic and did not get docked for it- yet I get docked for keeping my rent paid, depleted my savings for doing so, then got a great new job... gave plenty of notice per my lease, left no unpaid charges... yet I am reported to the credit bureau for nearly {$6000.00}. 
I NEED HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Zions Debt Holdings
State: IN

Complaint narrative:
Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In the process of selling my home, money came through on a wire and was not credited to my correct account. Instead somehow online two fraud accounts were opened and the credits were placed in those. I was unable to transfer it out and it was kept and I was not afforded to see both ledgers. 
The bank has not returned the credits to the correct Bank of America account. This has caused me great hardship. The amount was {$880000.00} which came in doubled as it should have. The bank called this an error. They did not follow gaap principles. A fradulent account was opened and the credits placed in them. My credits have not been returned, and not returned to the sender. They said these amounts were error codes. They refused to speak to me afterwards. 

I need your help Regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: NY

Complaint narrative:
I paid of a car with Key Bank in 2019 with a loan from XXXX XXXX. Key Bank is reporting the payment late. Which is inaccurate. I have reached out to Key Bank on numerous occasions to get a copy of their records. They told me they have no records of me. So how are you reporting information if you have no records for me. I need help and would like to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, my cell phone was stolen from me. The party that stole my phone was able to bypass the security that I had in place on my phone, and used my Chime account to transfer themselves {$4800.00} in three separate transaction in XXXX minutes ( 2 to a XXXX XXXX XXXX for XXXX and XXXX dollars, and another to a XXXX XXXX XXXX for XXXX dollars ). This is felony theft by Colorado law. 

As soon as I realized that the theft had a occurred, I contacted Chime to report the theft. They mailed me a new debit and credit card, and opened disputes on the transfer. I let them know that I would send them a copy of my police report, as well as a receipt for the new phone that I had to order through my insurance. Less than XXXX hours later, Chime closed the dispute and said it did not have merit without allowing me time to even send a police report to them. 

I had to call them to reopen the dispute, and on XX/XX/XXXX, they reopened it. On the XXXX, I emailed them copies of my XXXX claim for my phone proving I had to order a new device and filed a theft claim. The police finally called me to collect my report on XX/XX/XXXX as well,. I requested a copy of the report as soon as it was available, which I sent to them on the XXXX via email. On XX/XX/XXXX, they finally issued a provisional credit to my account in the amount XXXX dollars. Finally, on XX/XX/XXXX ( today ), they sent me an email informing me that the credit would be revoked and that they found there was 'no error '. 

I have provided ample proof that the transfers were theft. I filed a police report, I sent them proof that I had to order a new phone, I changed my chime password, and moved my account to a different device, I've never sent money to those people before ( in the 4 years that I've had an account, I've only ever sent money to my partner through their transfer service ) and have never sent anyone that amount of money at a time. One of the payments was for 'car down payment ', and I do not own a car. The other payment was for 'rent ', but I had already paid my rent and it was more than twice the amount that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
To Whom it May Concern, Hello, please find below the following information. 

Im urgently complaining about UPSTART 's refusal to remove an erroneous 30-day late payment they caused. Despite my attempts to resolve this, they have disregarded my requests for resolution, prompting me to seek your intervention. UPSTART continues reporting an erroneous 30-day late payment in XX/XX/2023 due to there company deducting the payment from the wrong bank account, despite my providing them my correct banking information. I had called them in XX/XX/2023, when they first made this mistake and I was assured once I provided them with my correct banking information that this would NOT happen again. However, they continued to withdraw from the INCORRECT bank account and this has caused me a 30-day late payment, distress, a credit denial, and a negative impact on my credit report. 

I request your assistance in compelling UPSTART to promptly remove the erroneous 30-day late payment from my credit report. ( Please note ) : My account is good standing and up-to-date ( Plus advance/extra payments ). I have also ( prior to this incident ), paid Upstart advance payments. I have never had a 30 day late mark on my Credit Reports/Bureaus etc. ( I have NO late payments with any other companies, that I have accounts/business with. ( Until this incident with UPSTART happened ), My credit history always showed " EXCELLENT PAYMENT '' category on my credit Bureaus. Now because of UPSTART ( as mentioned earlier ), it has truly caused, much distress, credit denial and negative impact etc. 

I thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100 ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: DISCOVER BANK
State: CA

Complaint narrative:
IDENTITY THEFT VICTIM DUE TO DATA BREACH FROM XXXX, AND OTHER CRA. HAVE DOCUMENTS OF FILE REPORTS TO FEDERAL ENFORCEMENT AND IDENTITYTHEFT .GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have tried for two years to cancel my XXXX XXXX small business credit card with bank of america that was secured with a {$2500.00} certificate of deposit. After the credit card graduated to unsecured, they refused to refund the CD and were not able to close my card. I have had to pay the annual fee for the past 2 years on this card that I do not want, and I have not been able to get my {$2500.00} for the CD back from bank of america. Every time I call they have some new excuse and tell me to call back in a week or just hang up on 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 monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Diversified Adjustment reported me to XXXX and XXXX Credit agency and this is not my debt. I researched the debt and it was from a XXXX phone account. I have never had an account with XXXX XXXX Phone company, I have not received any communication in regard to this account. I had my purse stole back in XXXX of 2023 and I filed a identity theft report with the XXXX Police Department, Police Report XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In my initial report ( XXXX ), The information that your staff reviewed and provided was inaccurate. If your staff conducted a thorough review of my account history and call logs, they would/should have noticed that the {$25000.00} mobile deposit was on XX/XX/XXXX, the same day that I reported the fraudulent activity/scam, and not on XX/XX/XXXX, as claimed in your response. USAA 's decision to reinstate my account for full access and reestablish a business relationship with me took place on XX/XX/XXXX, after I was contacted by the CEO 's office to notify me that after reevaluating my claim, it was concluded that I was not involved with the fraudulent activity and overturned the decision of me being liable. Which was not noted on my account. They also denied my resolution for reimbursement for money ( {$9200.00} ) lost to the scam, stating that I was reimbursed {$5600.00}. I was issued a check for {$3000.00}, which was the balance after charging off {$2600.00}. What about the {$3200.00} that was accumulated in my checking account while the account was locked?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation