vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mortgage Research Center, LLC
State: NY

Complaint narrative:
Mortgage Research Center LLC has fraudulently reported and sold my personal information to Credit reporting agencies and XXXX XXXX XXXX XXXX and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All accounts are marked as in good standing and closed but are still showing negative marks on credit report. 
I am seeing from all that I am in good standing and accounts are closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
My BF took my debit card and my phone on XX/XX/XXXX without my knowledge because I was not home at the time because I was at my neighbors house. 

When I realized he had my debit card I went on the app of my spare phone and changed my pin and locked the card. 

He withdrew XXXX, XXXX, XXXX, XXXX, on XX/XX/XXXX and XX/XX/XXXX. 

I cancelled my card and had a new one issued. I disputed the transactions with chime because it was not me and it was unauthorized. 

Chime originally gave me a provisional credit on XX/XX/XXXX but revoked it on XX/XX/XXXX. I gave chime my feedback that they came to the wrong conclusion and that I notified them of the suspicious activity and cancelled my card and they could care less.

I know this is not a lot of money to some but it is to me. I feel chime should credit this to my account.

This activity took place in a location where I was not and my phone call to chime and my attemps to change my acct info should reflect this in the IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.

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 2023-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
18 USC 8 states the U.S is responsible for All Debts. Why then are these agencies fraudulently reporting debt against me without written consent? Every company I did business with has an XXXX # and everyone of these companies has me listed as an employee up under there companies why then am I not receiving remittance wires of my securities interest coupons to my TDA accounts? These companies with there Zero percent certificate of Indebtedness is why these securities fraud continues. Only the original creditor can make you pay but when the servicing rights are transferred no payment are dues in accordance with the law. This is a violation of the Securities Act, breach of fiduciary duties federal reserve act 29.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
After a year this bank decided to tell me they made a baking error mistake and now my account is overdrawn they claim they gave me 2 credits I dont recall and they recently denied my fraud claim {$1600.00} I was robbed by a doctor got charging me for service not told they refuse to help me to recover get my money back

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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Have issues with my financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.

Complaint narrative:
USD XXXX XXXX was sent from XXXX XXXX to Bitstamp for XXXX XXXX. 

Since XXXX XX/XX/2023 my USD XXXX XXXX has not been released or allocated to my Bitstamp XXXX XXXX account. 

I have followed up with support since I saw my funds not clearing in my account, but they kept on indicating that it takes 3 - 5 business days to clear. 
( In the past the funds cleared the same day, always ). After 5 business days, I kept on following up and they did not have an answer for this, just kept on saying they were investigating the matter. ( Ticket number : XXXX ) Then my ticket was referred to complaints. 
Eventually, complaints confirmed that it is their normal XXXX policy and they can not divulge any further information. 
This has been the answer for the past 6 weeks now. 

When I follow up now, there is no answer and my money is nowhere to be found. 
The support and Complaints department is keeping quiet and I fear the worst now. 

Please assist me with this.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have several credit cards with Chase. Two of these cards end in XXXX and XXXX. I make my payments online every month and have never been late making a payment. However, during the past several months it has become increasingly difficult for me to make my payments online because Chase has been making it almost impossible for me to login and make my payments. Chase has a very difficult system to use and even after many attempts which have resulted in my being locked out of my account, unable to make a payment. To add insult to injury, I am using the correct login password, account name, and whatever additional password they require for me to login to my Chase accounts. 

It is difficult to determine if these increasingly difficult payment roadblocks are intentional or not. However, I often have to spend an hour trying to login to my credit card accounts. This is not only customer-unfriendly, it is also unnecessary. I have other credit cards where I never have this problem.

Perhaps Chase is creating this online obstacle for online payments in an attempt to generate late fees, discourage customers from having online access to their credit card accounts, or for some other undisclosed reason.

That being said, paying my Chase cards is becoming a time-consuming burden that is making it difficult, and in some cases impossible for me to pay my Chase credit cards online.

This must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this complaint in good faith, with hope that it can be resolved amicably. This unilaterally signed agreement contains errors that I have become aware of. Please see the Claims to an Instrument Notice, along with a Revocation of Power of Attorney, Rejected and Modified agreement attached. 

This shall serve as a Notice to Jefferson Capital Systems , LLC 's affiliates as well, including the card issuers. 

XXXX XXXX XXXX, Consumer. All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to express my concerns about the recent denial of my credit card application with your company, as indicated in the denial letter dated XX/XX/XXXX reference # XXXX. Upon thorough review, I believe there may be grounds for reconsideration. 

I wish to draw your attention to the provisions of both the Truth in Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ) as they relate to my application. TILA defines credit as the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Additionally, the ECOA expressly protects applicants from discrimination based on the exercise of any right under this chapter, including the right to credit as defined by TILA.

The denial of my credit card application has raised concerns about a potential connection to discrimination. I firmly believe that the denial of credit, especially when tied to the exercise of a protected right under the ECOA, may constitute a form of discrimination. I am seeking a detailed explanation of the specific reasons contributing to the denial, with a focus on ensuring compliance with both the TILA and ECOA. 

Furthermore, I would like to express concerns about the potential withholding of my access to securities, which may raise issues related to securities fraud under the Securities Exchange Act of 1934. As a consumer, I am aware of the importance of fair and transparent practices, and I seek assurance that my rights are fully respected in this matter. 

In accordance with the Federal Reserve Act Section 16 Part 1 and 2, I consider the credit application to be a security. As such, I request the issuance of the credit card in exchange for the credit application. I believe that addressing this request will contribute to a resolution that aligns with legal standards and principles.

Thank you for your prompt attention to these matters. I look forward to receiving your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
I applied for SAVE on XXXX. I am currently on PAYE and was on REPAY prior. On XX/XX/XXXX I called about the processing delay. They originally claimed that my loans did not qualify for SAVE. All of my student loans are direct loans and this information was simply not true. After further pushing as to the reason why my application had not been processed, they informed that that my application was declined for missing information ( which they never notified me about ) and require 3 years of tax returns to re-process the application. I referred to the Federal Register update 685.209 ( e ) from XX/XX/XXXX that eliminated the previous years income requirement. The rep insisted that this is just required and that the government has to know how much money I made during nonpayment ( even though I file and pay taxes every year ) and could not tell me why. I have never received in writing why my application was declined or what information was " missing ''. I later recontacted them again on XX/XX/XXXX and pushed for supervisor who assured me that my application would be processed within 2-3 weeks and that the tax return requirement was in fact, not required. 

As of XX/XX/XXXX, my next payment is due on XX/XX/XXXX and they still have not processed my application and their stated reason is that they are " behind '', even though I have been speaking with peers with applications submitted after mine that have already been approved. My choices presented to me by the phone rep was to pay the monthly payment ( that I can't afford ) or extend my forbearance. They continue to ignore my application while my loans gather interest. It is incredibly unfair that I have to continue to accrue interest that will be capitalized because of their inability to perform the most basic of their job functions. It feels predatory that the ineptitude of a company can contribute to my student loan debt. Why should they do anything in a timely manner if they benefit from it financially? 

Mohela clearly does not have the necessary staff knowledge to appropriately service loans. They can not be bothered to keep up with current/up to date rules and requirements. There is no consistency. Every time I speak with a representative ( after hours on hold ), I am told something different or a vague explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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