vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
XXXX. I saw the charges for the incremental withdrawal of funds all made on XXXX XXXX for the amount of {$6900.00}. 

XXXX. I called in the claim that day ( XX/XX/XXXX at around XXXX XXXX ) XXXX. Claim person stated that it seems that my digital wallet was compromised. Because of this I was instructed and walked through updating my online account with a new username and password. 

XXXX. The bank then issued me a new debit card and I received the email confirmation for this at XXXX on the XXXX. 

XXXX. Bank then put the money back into my account XXXX. Two weeks later on XX/XX/XXXX the bank took the money out of my account without explanation. Had I not checked my bank account, I would have never known it was denied. There was no prior notification. 

XXXX. I only learned at this point the importance of making a police report. No one from Chase even suggested that this is an important step. Therefore, I did report this to the XXXX XXXX police department on XX/XX/XXXX, reference number and report attached. I would not have filed a false report knowing the severe criminal consequences in doing so. 

XXXX. I was then verbally told in person on XX/XX/XXXX by XXXX XXXX ( Assistant VP of Private Client Banker ) that my claim was denied because it was purchased with XXXX XXXX. I made XXXX aware of the police report and he seemed ambivalent. He did not show any interest at all in obtaining a copy. 

XXXX. An appeal was processed ( without my having not yet requesting it ) and again was told via phone call from XXXX from the escalation department that the claim was again denied and it was their final decision. 

XXXX. I told the bank that I do not have XXXX XXXX. I have an XXXX and I pay via XXXX XXXX. I have never ever had a XXXX phone or XXXX pay app. My XXXX bills are attached with my device type and phone number circled. When you XXXX  it, multiple sources confirm that a user can not have XXXX pay on XXXX or XXXX Devices ( see attached document ). I told them this many times and no one got it. They refused to understand the logic that you can not use XXXX pay on an XXXX  device. 

XXXX. I also mentioned that initially it was thought that my digital wallet was compromised. Obviously this person mentioned in point # XXXX above, understood this was a clear case of identity theft. 


Questions : XXXX. Shouldn't denials of claims be in writing? 

XXXX. Shouldn't I have gotten all the information ( e.g., copies, data, etc. ) of everything the bank is using to deny my claim? 

XXXX. Shouldn't the bank have contacted the merchant to get " their side of the story ''? ( If they can not identify the merchant, how can they deny my claim without having done that? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXX XXXX  ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C States I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

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 2022-12-01 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXXXXXX XXXX ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C States I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

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 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
This is my second attempt to get this item deleted from my report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The company has already written off this debt them reporting this item is tax fraud. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: OH

Complaint narrative:
I like to add this to report XXXX Which shows that XXXX vacate all those transactions I was accused of

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
Customer service at BP agreed to remove excessive late fees contingent upon resolving the actual usage amount {$330.00} less alleged late fees on XX/XX/2022. BP continues to bill late fees ( XX/XX/2022 ) for late fees not actual usage of the card after XXXX XXXX XXXX XXXX 's account was paid as agreed less alleged late fees. As of XX/XX/2022 there is a balance of {$150.00} ( {$75.00} Late fee x 2 ) for a bill that has been resolved. Spoke to BP representative  XXXX XXXX and he assured via email that the matter would be resolved, resolution did not happen. BP is gouging diesel fuel clients in the most trying of times for logistics companies. Please assist with this matter, 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 monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WA

Complaint narrative:
The background check company Checkr is reporting ( background checks done in XXXX and XXXX of 2022 ) something that I was accused of doing, but was not charged with and had the claim dismissed, as something I was charged with. This accusation is showing up in red and I have been denied employment due to this. 
Essentially, I am being treated as if I was convicted of a crime I did not commit. 

I have emailed Checkr and gotten no response. I have also tried to call but have been unable to get past the automated system in order to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I never received any communication about this debt, never was given an opportunity to view or question the validity of the debt and have discourse with the accusers of me owing the debt, I have questions about if the company can even collect in my state and if the statue of limitations has run out, and it is now on my credit report as a collection account negatively impacting my ability to obtain credit and impacting my credit score negatively. I have no record of this company contacting me, corresponding with me or them validating the debt to me -- this seems like all fraudulent and unlawful things this company is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In XXXX I lost my job due to Covid, in result I had applied for a forbearance on my loan. When the forbearance ended I was unable to do any loan modifications or make any payment. After sending documents and getting put in circles I got approved for a streamline loan modification. When the time came to make the payment I was unable to due to my home being in an active foreclosure again. About a month prior to the payment I payed an escrow payment of XXXX to lower my monthly payment from XXXX to XXXX. I asked the lady when the escrow payment was payed if I need to do anything and she told me I do not. I was informed the reason I was denied when I went to make my payment was due to a hardship letter. My wife and I then applied for a loan modification again, this loan was dragged on and on which then was eventually closed. I sent multiple copies of multiple documents via fax that are never received. While in the process to then apply for the loan again I was told the reason I originally was denied was not a hardship letter was actually an offer letter than I never signed and returned. ( which I never received ) What I did receive was a bill for XXXX dollars due on that day. After a month of calling I finally come to find out that I am denied for the loan modification. This loan modification that I was denied and now have to sell my home and move was approved multiple times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: AL

Complaint narrative:
on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, XXXX and TransUnion. The only one of the above entities that I received a response was TransUnion and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.

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 2022-12-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, Experian and XXXX. The only one of the above entities that I received a response was XXXX and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.

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 2022-12-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked for validation of this debt multiple times since 2019. Not once have I ever received a response or any sort of writing validating the debt.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had a capitol one account that was closed on XXXX or 2019. It still comes up on my credit report and effected a home loan. I called XXXX  XXXX and they couldnt help me. They also said that they didnt even have a record of the account, when it is clearly on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Account opened XX/XX/2022 With Citizen Bank With in correct name XXXX XXXX XXXX I have no XXXX in my name With a false home address XXXX XXXX XXXX XXXX PA XXXX I believed my social security was stolen and other information was used to open account.

Company response to consumer: Closed with explanation