vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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.

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX ran a hard credit inquiry on me on XX/XX/18 and the information provided was not my address. I informed them via phone calls and emails that this was a fraudulent inquiry and attempt to access credit. They said it would be sent to their fraud department. However I have yet to hear back from them in response.

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 2022-04-27 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Someone has applied for Capital One Credit Card with my information! It is now on my Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: MN

Complaint narrative:
Dear reader, JFQ Lending sent me a several letters entitled " Report of Available Funds. '' The letters are designed to look as if funds are available to me from a government institution or a non-business entity. It is not clear in the letters that this is an advertisement to refinance. The letter also directs consumers to an individualized link, seemingly an FHA site, but that link is not secure. The fine print of a letter does explain that this is an " offer '' that is not approved by or affiliated with FHA, a government agency, etc. However, this fine print contradicts the look and feel of the letter itself. I recommend JFQ revisit their letter structure to make it more clear that this is a loan opportunity to ensure that people are not confused. I also recommend that JFQ ensure that any website links provided are secure and include their company name. 

Also, thank you for the work you do at CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am writing to dispute a charge of XXXX to my XXXX account in which I have been disputing with Barclays XXXX and the XXXX  XXXX, since XX/XX/XXXX. The merchandise I received from XXXX  XXXX  was inspected by a XXXX XXXX store in XXXX XXXX XXXX, in XXXX VA on XX/XX/XXXX, XX/XX/XXXX, and by The XXXX  on XX/XX/XXXX. On all three dates it was determined the merchandise I received is indeed fake. 

I ordered the item on XX/XX/XXXX. The seller XXXX XXXX XXXX  has a FAST SHIPPING | 7 DAYS MONEY BACK GUARENTTEE policy on their webpage. I received my led to believe authentic XXXX XXXX handbag merchandise 15 days after purchase ( see attachments ). When the seller shipped this led to believe authentic XXXX XXXX XXXX, they only valued the bag to be worth XXXX dollars. 

Their web page states all products are 100 % authentic and once you receive your merchandise you can get it authenticated. On XX/XX/XXXX ( one day after receiving ), and XX/XX/XXXX, I was told verbally it was fake by a XXXX XXXX sales associate. XXXX XXXX will not offer authentication services in writing because it will damage their brand history and many years of expert craftsmanship. I believe XXXX XXXX knows XXXX XXXX will not offer authentication services in writing and that is why they state to get it authenticated by a XXXX XXXX retail store. On XX/XX/XXXX XXXX XXXX did send me an email after my 2nd visit stating this. 

On XX/XX/XXXX, Barclays XXXX requested that I get a 2nd opinion document on letterhead from another licensed or qualified merchant in the same line of business to support my claim. I reach out to The XXXX. The XXXX XXXX XXXX is an online and brick-and-mortar marketplace for authenticated luxury consignment. Due to Covid-19, my appointment was schedule for XX/XX/XXXX. On this date it was determined again this merchandise is not authentic. 

A senior valuation manager for XXXX XXXX inspected the merchandise on XX/XX/XXXX and discovery the colorway throughout the dust bag, the date code tab shape, date code font, the inferior quality materials throughout, logo tab, colors and fonts used throughout collateral ALL INCORRECT XX/XX/XXXX, Barclays XXXX has closed my case ( XXXX ), due to too much time spent.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2022-04-27 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-27 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: IL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We made a deposit to the bank atm and the atm took the funds and didnt deposit the funds on the accounts. A receipt was printed stating that we have to contact our bank to make sure the deposit was made. We called the bank and filed a claim which was denied by the bank. We have proof of deposit and the camera could be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I began to experience hardships due to the pandemic in XX/XX/XXXX. I applied to the second round on federal assistance related to mortgage assistance in XX/XX/XXXX. I've been on a forbearance plan with Bank of America for 17 months. I applied to the Virginia Mortgage Relief Program ( VMRP ) in XX/XX/XXXX. I've been waiting for my application to be process. The VMRP guidelines specified a 90 day application review process, but it is taking longer than the current notified timeframe. I've been unable to get a timeline update from VMRP. I was informed my my VMRP case manager that Bank of America delay in returning the Corroboration Agreement delayed the process of Bank of America accounts. I did a 3 way call with BOA and VMRP reps because it was the only way that I could prove that I was asking the right questions and had an active application with VMRP. I am currently at my max forbearance option with BOA, had a deferral option presented by Bank of America that needed to be signed by XX/XX/XXXX ; however, signing it would disqualify me from VMRP, and I not have access to the referral option if something fails with VMRP.

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 2022-04-27 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 XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # 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 602 A. Section 2, It also 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 2022-04-27 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: MA

Complaint narrative:
I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX. I received letters from XXXX XXXX validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with the TransUnion union. I sent TransUnion all the documentation required to block the accounts that are not mine and were opened by another person/s using my social security via certified mail. After speaking with XXXX, XXXX, and XXXX XXXX I was informed that was not done that I may submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter I received was dated XX/XX/22. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and neither of them could provide me the answer as they are " not allowed to do per Transunion ''. XXXX and XXXX also informed me a credit freeze is the same thing as a block. which is not correct I informed them.

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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter saying they needed further information before approving my application. 
They gave me a phone number to call. I called and answered questions. She said she need to send a 4 digit number to me. I told her I was on my home phone and could not receive a 4 digit number. I gave her my cell phone number, she said, she had to send it to my home number. She could not ok my application. 

I had applied for J C Penney credit card with synchrony bank. I have a credit score of 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc.
State: SC

Complaint narrative:
I applied for employment and was offered a job with XXXX XXXX XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized Sterling Talent Solutions to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than seven years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both Sterling AND XXXX XXXX as I feel like I was unjustly discriminated against.

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 2022-04-27 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-04-27 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: VA

Complaint narrative:
I have submitted multiple complaints on TransUnion and they are continuing to violation my rights as a consumer. They have recently sent me a letter in the mail with the results of their " investigation '' which they are " verifying it as accurate ''. They never included the description of procedures for this investigation.

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 2022-04-27 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: CBC Companies, Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. II RECEIVED A COPY OF MY INNOVIS REPORT AND THEY ARE REPORTING XXXX CARD AS MY ACCOUNT I HAVE ATTACHED MY ID THEFT REPORT PLEASE SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Chime Financial Inc
State: TX

Complaint narrative:
On my Chime Credit Builder Card, I noticed fraudulent charges had been made the following morning. The fraudulent charges were : ( Dispute # XXXX ) Merchant : XXXX XXXXXXXX XXXX Amount : {$10.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXXXXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX Amount : {$50.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX XXXX Amount : {$400.00} Date : XX/XX/22 Time : XXXX XXXX I immediately called the company and they stated that it can take up to 90 days to investigate. I had a following hack happen on XX/XX/22 to my Chime Debit Checking Account and had to make additional disputes. ( I am making a different claim with CFPB for the Chime Debit Checking Account since it is a different type of card. ) This morning, I read an email from Chime stating that they will not be refunding my money for two of the total 8 transactions. ( The others are still under investigation. ) I was informed that I needed to send in additional documents to continue my dispute. So, I am making an official paper trail for all of my disputes with Chime.

This dispute specifically is focused on the Chime Credit Builder Card, where they promote that you send your funds from your debit to then use the credit card and help build your credit score. Well, I did this and now my money was stolen and still pending refund. With my current experience with Chime, and now suffering from fraud on another one of their cards, I feel that they will ultimately string me along and not only leave my family without our hard earned money, but promote to hackers that there are no real consequences for fraudulently hacking into Chime to make unauthorized transactions and steal from their card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been working with Chase for two months already with a wire fraud on my account. I called Chase on XX/XX/XXXX to make a claim about {$9000.00} taken from my account. Since then I have been fighting with the bank to get my funds back because I never authorized the transaction. They have asked for my phone records and I was compliant in sending them that. I also sent them a police record, an FTC report and the affidavit Chase had me sign for unauthorized wires. None of those were enough for them to prove that I did not authorize the transaction. I dont know what else to do to prove that it wasnt me who they spoke too. I continue to call asking them what phone number was it they called and they refuse to give me an answer. All they are able to say is that I answered the security questions and that was enough for them to release the money. However, in my telephone records I never received a call nor did I make a call to the bank on any of the days they claim to have spoken to me. I am desperate for answers and want Chase to own up to their mistake in releasing funds without enough information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
I've contacted them so many times!! I did not ask to have my card closed!! They reported it to the credit bureau and I can't use my card!! I need them to reopen it! My credit score has gone down because of this!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation