vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/23 I sent Chase Card Services a message stating that I should have received 5x the points for charges to one of my cards. Per Chase 's promotion, restaurant charges are worth 5x the charges vs the normal 2x the charges during the promotional period of XX/XX/23 to XX/XX/23. I received a message on XX/XX/23 asking me to produce the receipts because Chase said the charges were for a hotel vs a restaurant. Hotel charges are credited 2x the points vs 5x the points for restaurants. On XX/XX/23 I sent Chase the receipts they requested confirming the charges were for a restaurant. On XX/XX/23 @ XXXX XXXX  Chase replied to my initial inquiry regarding this matter and stated I had reached the maximum spend of {$1500.00} for the promotion. In the meantime I had already sent another inquiry at XXXX XXXX  on XX/XX/23 regarding approximately {$1500.00} in restaurant charges on XX/XX/23, wherein I did not receive 5x the points. I don't recall that Chase informed me there was a {$1500.00} limit during the promotion period. In addition, why did Chase inform me after I spent another {$1500.00} on my card that earns less points. I could have used another Chase card on both sets of charges and earned XXXX more points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was incurring account maintenance fees with Wells Fargo. I walked to my local branch and the banker I worked with waived some of my fees. I was informed that in order to receive those waivers, and to continue receiving waivers, I had to open 2 additional accounts. Some time later I went to work for a different financial institution and learned that this was cramming; opening accounts that I did not need. I incurred maintenance fees on accounts that were opened under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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: LEXISNEXIS
State: MO

Complaint narrative:
The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My wife and I got a title loan from Wilshire Consumer Credit about 4 years ago and last month I gave the lender {$150.00} for the month of XXXX, I was short {$48.00} of {$190.00} a month I pay, it was a bad month but I still paid partial payment. On the XXXX day Wilshire Consumer Credit repo my car without any notification to prevent from this happening. The contract was signed outside a XXXX XXXX in XXXX by my wife from a representative of Wilshire Consumer Credit that was in a hurry. My wife signed the contract without reading thier horrific terms. This XXXX XXXX will repo your car fast even if you are short XXXX cent on your payment. Times are tough now I have no car to get to work and my commute is around 50 miles each way. It will be a good thing for the state to look into these awful businesses that target the hard working poor citizens that are trying to survive in expensive California.

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 2023-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc.
State: AZ

Complaint narrative:
We were on the forbearance program due to being severely impacted by XXXX including multiple battles with XXXX and deaths in our family. We applied for assistance from the Haf program to help get us back on track. The mortgage company kept saying that this was new to them and was working things out on the back end to be honest there is over a year and a half of back and forth and miscommunication from the mortgage company. The mortgage company continued to stall and so much time went by that amount had exceeded what the haf program was able to pay in full. Haf was able to put us on a partial payment of XXXX and the mortgage company told us that they would take the rest and put it to the end of the loan once Haf paid as they did do a partial claim but told us not to sign it because it was wrong because they didnt include the XXXX from Haf that has not been paid yet and told us that once haf paid that they would update the paperwork and we would be good to go. That did not happen. They put our house on auction and didn't even give us a notice. We just so happened to find out when we called again to check on the status. We have been calling them and they have been stalling on fixing their mistake and giving us the run around and whole time they still have our home up for auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXX XXXX $ XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXXACCOUNT XXXX OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX  XXXX XXXX XXXX NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX NUMBERXXXXBALANCE XXXX XXXXACCOUNT OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXXXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXXBALANCE -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXXBALANCE-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID. 


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. 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 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 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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.

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 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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through.

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 2023-05-18 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: TX

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) 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 ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2023-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) 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 ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
XXXX XXXX ( XXXX ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.

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 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
In regards to complaint number, XXXX, Transworld Systems provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. 

The company did not provide a response to this specific complaint. I will be in communication with XXXX to question their business with federal contracts in regards to XXXX. This needs to be made public and hopefully XXXX will cancel their contract with XXXX. 

Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. 

Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank closed my credit card account due to multiple reports of fraud, as in someone else using my card information to make purchases. I filed a police report to see who was making these purchases, and they couldnt find anything. Nevertheless, I was okay with them closing my account because Ill apply for a new one. However, before I do that, I want to make sure everything is accounted for, as in getting all the money back from fraudulent purchases I didnt make. They just credited me {$5.00} for three transactions from XXXX  as they said in the recent complaint I filed before this ( however I only see 2 of them credited back to my account ). Where is the third transaction I am to be credited for, as I dont see it on the app. The main concern is the two other transactions I am having issues with. They are from XXXX XXXX/bill for {$100.00} and {$42.00} on XX/XX/2021. I got temporary credits but then they charge me money again for some reason. I have provided them proof - multiple times- but they say to me that I need additional documentation. How XXXX XXXXXXXX do you propose for me to back up with information with accounts I dont have ( in this case, XXXX XXXX. Spoken to XXXX about this, and they also see that no purchases have been made on my account. Also spoke to XXXX, and they tell me that someone is using my first name and email for an account, but thats it. They are unaware of any information pertaining to these two transactions, and the person who uses my name and email didnt make any transactions pertaining to it. I have done three way calls with merchant, myself, and Chase, and the representative from chase each time I call acknowledges that I didnt make the purchases. Each time, however, I am not sure why it is getting denied and not in my favor. I have done everything in my power to prove that I didnt make any of these transactions - everything. Meanwhile, chase gives other information and doesnt back it up with proof, just saying whatever they want. Even if thats the case, they should be able to back up their claims with proof of some sort such as screenshots, audio messages, and such. I am frustrated with Chase bank and their failure to take accountability. Both XXXX  and XXXX unfortunately cant do anything to help me because they do not see any information on their end pertaining either to my XXXXXXXX XXXX  or the XXXX account someone else is using with my name and email respectively. How is this fair that when I opened the account with them, they are the only bank or credit card company who I am having this issue with? Everyone else has pretty much resolved any issues pertaining to fraud I have had, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
XXXX XXXX ( XXXX ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.

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