vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX Please delete any other variation. 
my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I paid off two credit cards balances in XXXX, and XX/XX/2018 and my FICO was at XXXX. I called Experian and discussed my one credit card incorrectly still showing a balance of {$1900.00} when this balance is XXXX in XX/XX/2018. They said wait until tomorrow ( XXXX ) and it will post. Today XX/XX/2018, I received a email your FICO has decreased 10 points. I called them on the phone and asked them how my FICO could drop 10 points in one day. They said we think you charged {$100.00} on one credit card in XXXX XXXXwhen I challenged that they said we dont know. I was also told since I do not have a mortgage that fact negatively affects any credit card debt. My credit card debt is medical costs for my XXXX. I reminded them I paid on time all credit cards and I recently paid off a {$1900.00} balance in XX/XX/2018. I asked for a Supervisor and she said I do not know why your FICO dropped and I have no control over your FICO its system generated. I asked her to identify the creditor so I could dispute the FICO drop she said there is no creditor or action to dispute your FICO just dropped automatically. The email states : Your FICO Score had decreased by 10 points. Good news. Even though your FICO Score went down your Credit Rating did not so it should not impact your credit worthiness XX/XX/2018 See attached Email. I was told to get a credit advisor Experian does not have any control over rising or lowering your credit score 10 points over night for no reason. There has been several increases and decreases for no reason over the last six months.

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 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold. 
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once. 
I need access to this bank account as soon as possible. And XXXX XXXX   should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. But I have and transaction statements from sending bank to proof the {$10.00} fee was not a charge by sending bank. CFPB please investigate how many chase customers have been unknowingly charged by this hidden fee for international incoming wire transfer. This is no difference from stealing money from customers. I want a refund from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello Sir/Madam Good Morning I purchase a vehicle at XX/XX/2016 from XXXX. Last year it was crash and the payment was done this year. but when i go to check my credit score it shows XXXX owe me XXXX dollar so for this my score going to down for not pay but i ask XXXX is there due any payment? they tell me no!! everything is good because i already paid everything. 
so i dont know why it shows on my credit report negative and i can not fix it can you help me to out Just FYI i am a XXXX XXXX XXXX XXXX. 
so its very important for me please can you help me to out asap it will be highly appreciated thanks very much Have a wonderful weekend

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 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have had this card for many years with absolutely no late payments. In reviewing my statement, I noticed that this company showed I was late and I immediately reached out to them and told them that it was an error on their end, however, it was to no avail because they refused to remove the late. This late payment that they are reporting has dropped my credit over 100 points. I have gone back and forth with the company and at this time, I've exhausted my efforts and felt it was time to just make a complaint against them and report them. I have never been late and demand that this error on their part be corrected.

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 2018-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There's been an error on the part of CHASE into my HELOC that has caused me tremendous grief and being on the phone for over three months. They are snarky and just awful -- which is the way people behave when they hold all the cards and there is no one minding the store. This behavior is abusive!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX Please delete any other variation. 
my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to a restaurant on XX/XX/XXXX and gave my Bank of America credit card to charge {$27.00} to pay my bill. The owner swiped the credit card but came back to say that it didn't work. So I paid by cash and left. I did not ask for a receipt because I didn't feel the need to keep the receipt. Later I saw the charge of {$27.00} on my credit card. The restaurant is not willing to refund. 

I disputed the transaction with Bank of America on XXXX asking for the a copy of my signature on the credit card bill, since I never signed it, which is required by law on any amount greater than {$25.00}. 

Instead of asking the vendor for the proof of my signature, BOA asked me for proof of alternate method of payment on XX/XX/XXXX. My case was closed on XXXX. After explaining that the burden of proof doesn't lie on me but on the vendor and the bank because I can not be charged for something I didn't sign, the bank representative and their supervisor said that they can not do anything. She said on record that Signature is not needed for any amount for credit card use. She said there is no other escalation/remediation process with Bank of America. 

I should not be liable for a charge I didn't sign. Unless the bank can provide me a copy of the credit card bill with my signature, they must cancel the transaction from my credit card and refund the amount. 

I have no other alternative left but to come to CFPB with a hope that Banks can not do what they want and break law without consequences. 

Thank you.

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 2018-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I disputed an inquiry that was falsely made by Capital One. This credit inquiry was made on XX/XX/2018. I sent a letter to the creditor via certified mail on XX/XX/18 which was received on XX/XX/18, After more than 30 days passing, this company responded to my first letter by sending me a letter that didn't make any sense, It seems like an opt-in or opt-out instruction letter to the bureaus, which doesn't make any sense, I did not authorize anyone employed by Capital One to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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:
PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue EXPERIAN, and this is proof of my ordeals.

1-I have attached to this complaint the tremendously inaccurate accounts which you are displaying on my reports. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE and that is WHY you are refusing to understand the incorrectly information when it comes to XXXX! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE on my XXXX card # XXXX  ... you are illegally reporting incorrect information. There is 1 ACCOUNT on my credit report from XXXX with STATUS " CLOSED '' with a false 30 day LATE on it and another one that is displaying the same information in the OPEN accounts with the same account # ( that is the accurate one ). DELETE the one which is LATE and CLOSED, that does not belong to me. MY CARD IS OPEN and late-free! I do not know the closed one is with the 30 day late ... it is not mine or accurate. This is not an account that belongs to me and the information is inaccurate, mixed up and false.

2- Second reason why I am going to sue you is that you have not carried out on an investigation into XXXX # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!

I have disputed this multiple times and my recent response from Experian was absolutely off from what I believe that they sent me the wrong response. Their response to me seemed to me was meant for someone else. I didn't dispute anything regarding " child support '' and they claim my dispute was regarding child support, which is very confusing. They responded to me regaining multiple things which I never referenced and do not know who they belong to.

So, basically they may have sent my response to someone else and now I am worried my information has been compromised.

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 2018-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I disputed an inquiry that was falsely made by Capital One Auto Finance. This credit inquiry was made on XX/XX/XXXX and XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Capital One Auto Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018, I went to deposit my check into my Bank Of America account and when I deposited the check, on my receipt it stated that there was a hold placed on my deposit and I would not be able to access it until XX/XX/2018 which is 3 days shy of two weeks and my next paycheck. I spoke to the manager of the BOA location who told me there was nothing he can do about it and that my check was gone until the XX/XX/2018 date. His explanation for the hold was that BOA has a policy that your first time depositing a check from a new place/job your check is automatically placed on hold ; a policy that is NEVER told to the consumer until event such as this takes place. I had no knowledge of this policy and now I am being forced to wait 2 whole weeks before I can access my check so they can take all of the time to " verify the check is real ''. I was told to contact customer service because they would be able to help but costumer service was no help as well as I was still told there was nothing g they can do and have to wait the 2 weeks to have access to my funds. This so called policy that BOA is very outlandish and is not in the best interest of the consumer. A person 's bills and ability to put food on their table for their family can not be placed on hold, so to deny your consumer their check for basically two weeks is not ethical and asked a disregard for the consumer. I have never had this problem with any other bank.

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 2018-08-03 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: AES/PHEAA
State: MD

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) has placed erroneous information on my Credit report. The Co-signed l

oans that were included in my Bankruptcy was changed to " Charge Off ''. I have provided proof that those loans were included in the Bankruptcy. The Bankruptcy was discharged on XX/XX/XXXX - which is why the loans for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were included. XXXX fraudulently changed the accurate information. I would like a copy of the " Discharged Debtor '' report that was supposedly sent to NCT in Yr. XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX I posted a cheque for a XXXX Card in the amount of XXXX XXXX Dollars in the mail box at XXXX XXXX XXXX in XXXX N.Y ( cheque # XXXX ). On XX/XX/XXXX, I discovered an unauthorized withdrawal from my account in the amount of {$9800.00}. I contacted my bank, XXXX and they said " The cheque # XXXX in the amount of XXXX was deposited in The Bank of America. The cheque # XXXX was altered and was payable to one XXXX XXXX for a car purchase. It is three months now and XXXX can not recover my money. I would like to know how Bank of America can cash a forged cheque. I want my money back. 
I already sent you a complaint about XXXX. I need to know from Bank of America when I will get my money back. 
Why cant XXXX XXXX  and Bank of America N.A settle their dispute and refund me my money.

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 2018-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: OK

Complaint narrative:
I have been trying to pay this loan off since XX/XX/XXXX. My mother was paying it off for me we sent the info needed and her bank released the money they thought it was a fraud at first. But this company says its declined. I tried to pay today with my paycheck card and they say it declined which is not true the money is there. Everytime Ive tried they say it doesnt go through. They are charging me XXXX everytime they say it declines and a XXXX late fee every two weeks. So my loan that was XXXX is now XXXX.. of course they dont want you to pay it off

Company response to consumer: Closed with explanation