vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Safire Reserve Credit Card and in XX/XX/XXXX, I noticed a transaction posted to my account for a company named XXXX XXXX that was not conducted by myself. Therefore, I called Chase Fraud and they confirmed with me that this was the only fraudulent transaction. Subsequently, a merchant contacted me to tell me that there was a problem with one of my purchases so I called the bank and only to find out that the had mistakenly return all my purchased from XX/XX/XXXX to the day that I called in XXXX. I was on vacation during XXXXXXXX XXXX XXXX  so there were many transactions involved including an airline ticket purchase in EUROS that converted to {$6200.00} charged to my account on XX/XX/XXXX, which was for a business trip to XXXX XXXX on XX/XX/XXXX. Chase told me that they were fixing their mistake and got reassurance that the airline ticket would not be affected because the return was still in process. Therefore, I trusted the bank that everything was resolved. However, I was not able to board my flight from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After hours on the phone with the airline while at the airport, I had no choice but to purchase another ticket on the spot for the next day XX/XX/XXXX. The airline XXXX XXXX XXXX XXXX told me that they would refund me XXXX of the tickets once the bank returned back the funds to them that were taken back for fraud. On XX/XX/XXXX, the airline company refunded me one of the ticket purchase but due to the EUR/Dollar fluctuation, my account was only credited for {$5900.00}. So, due to the Chase error, I lost money on the currency conversion for the refund and at the same time, I incurred expenses to stay an additional day in XXXX. On XXXX  called Chase to complain and the supervisor was very understanding and assigned XXXX XXXX XXXX so that I could be compensated for the expenses around XXXX XXXX XXXX including the difference that I lost on the airline ticket refund due to the exchange. Since then, I have been following-up and kept getting the run around between the fraud department and customer service. In XXXX, I was told they they could not do anything because they had no access to the recording so I asked to escalate the case and it was escalated to the executive office. Finally, on XXXX I received a message from XXXX who investigated the case to tell me that they would not give me any type of compensation because the made the " proper adjustments '' and " coaching was sent to the agent ''. Well maybe the coaching should have been done before and that could have saved me lots of stress, additional expenses and a missed business meeting.. I called them back and a representative at the executive office did confirm that they saw the recording and it was confirm that it was their mistake but nothing could be done. This is totally an acceptable resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX, I received 2 debit cards with my name by mail, I have never open account at Well Fargo. I went to Police, Social Security office, and Well Farge near my house. Well Fargo staff helped me claim on XXXX and said hold for investigation. They close 2 accounts, but refused to close the 3rd credit account under my name. I have mail in a reconsideration a week ago but they claimed that they don't have it. I called many times to Well Fargo but it is still unresolved. Recently, It has greatly affected my life. My credit score decreases. I need help.

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 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to use my card to purchase gifts for my family on XXXX and the card kept declining. In an attempt to access my money I tried to send it using different money sending apps but none of them worked, the card is worth {$100.00} but because of the attempted purchases I have XXXX cents taken for pending transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
The following email was sent to my mortgage servicer : Fay Servicing XXXX, I just received a notice that my request for loss mitigation has been denied again without any written or verbal explanation. This is my second attempt to ask Fay Servicing for assistance as I am vehemently trying to catch up with my mortgage payments due to unforeseenhardship circumstances. It should be noted that I am a XXXX XXXX veteran who recently underwent spinal/lower back XXXX, which rendered me unable to work for an extended period of time. 

It should also be noted that Fay Servicing sent the denial letter regarding my first loss mitigation application when it was nearly at the end of the XXXX expiration period. Further, Fay Servicing failed to address my subsequent appeal in writing. 

I understand that Fay Servicing has had a troubled history of " failing to provide mortgage borrowers with protections against foreclosure. '' See story : https XXXX XXXX 

Unfortunately, Fay Servicing 's latest action leaves me with no choice but to seek remedy with the CFPB ( Consumer Financial Protection Bureau ) since you are unwilling to help me with theforeclosure protection and loss mitigation under the XXXX XXXX XXXX Reform and Consumer Protection Act. A copy of this email shall be furnished to the aforementioned agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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. 

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am a victim of Identity theft. I received a copy of my credit report after being denied housing and employment. I have been reaching out to these companies since XX/XX/2023 stating that I am a victim of Identity theft and that there are incorrect names, address, and accounts that are not mine please verify. Because the credit monitoring services are by law supposed to verify that all information reported has to be 100 % accurate. These companies violated my consumer rights by reporting inaccurate unknown information without my written consent, and is ignoring my request for verification within a timely matter. Not only have these companies violations affected they have also affected my family 's lively hood as well. I have been denied employment and housing due to this inaccurate, negative, unknown information reporting to on my credit report every month which is negatively imapacted my credit rating and scores. This has cause my family mental XXXX, depression, and homlessness due to being denied employment and housing. This inaccurate is causing me and my family embarrasement by affecting our character in a negative way.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i submitted a questionnaire and they reversed the fraud item charged on my account, but did not reverse the the reported late payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my profound distress and frustration regarding the extended period of over a year during which I have received no response to my claims of identity theft from your bureau. 

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. 

It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. 

XXXX XXXX I expect a written acknowledgment of this dispute letter and a commitment to investigate my identity theft claims thoroughly and promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my profound distress and frustration regarding the extended period of over a year during which I have received no response to my claims of identity theft from your bureau. 

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. 

It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. 

XXXX XXXX I expect a written acknowledgment of this dispute letter and a commitment to investigate my identity theft claims thoroughly and promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my profound distress and frustration regarding the extended period of over a year during which I have received no response to my claims of identity theft from your bureau. 

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. 

It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. 

XXXX XXXX I expect a written acknowledgment of this dispute letter and a commitment to investigate my identity theft claims thoroughly and promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.

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 2023-12-06 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: FL

Complaint narrative:
An unrecognized transaction was posted on my account, which I immediately advised the back was fraudulent and a claim was formed. I called chase bank and was told that the transaction was done by digital wallet, which is an in person transaction that the phone must be present to complete.. the phone was never stolen neither was my physical card. The claim was denied and I called to appeal it on the basis that this transaction was made in person outside of the USA and a separate transaction charge for exchange rate was applied, and I couldnt have been outside of the US because the same bank was approving in person charges for me at home in XXXX. They told me these charges were consistent. I asked them how the digital transaction was verified and they with held the information. They also denied opening another investigation unless they get more documentation proving I didnt purchase anything from the vendor, and that is impossible for me as they have all the information and will not release it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts listed below 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 an account without my written instructions. 

I ask that these fraudulent accounts be removed from my credit file immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts listed below 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 an account without my written instructions. 

I ask that these fraudulent accounts be removed from my credit file immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the sudden appearance of fraudulent collection accounts on my credit report, which has adversely affected my creditworthiness. I am deeply concerned about how these fraudulent activities were allowed to tarnish my credit report, and I am seeking immediate resolution to rectify this situation. Upon reviewing my recent credit report obtained from your bureau, I discovered the presence of fraudulent collection accounts that were not previously associated with my credit history. The sudden and unexplained appearance of these accounts is alarming, and I question how such inaccurate information could have been included in my credit report. 
Below are the details of the disputed fraudulent collection accounts : XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
I am a responsible and vigilant consumer, and I have not engaged in any activities that would warrant the existence of these fraudulent collection accounts on my credit report. The sudden appearance of such accounts is not only misleading but also damaging to my financial reputation. 
I request a thorough investigation into the origin of these fraudulent collection accounts and the immediate removal of such inaccuracies from my credit report. I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.

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