vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I ( XXXX XXXX ) deposited {$370.00} in cash to my chase checking account ending in XXXX. My plans for this money was to transfer the funds to my XXXX account ending in XXXX. 

On XX/XX/XXXX I submitted a transfer from Chase to XXXX for the {$370.00}. See picture attached. On XX/XX/XXXX the funds of {$370.00} show up in my XXXX account like I would expect them too. 

Chase has a policy where they close accounts with {$0.00} balances if they have been at {$0.00} for 60 days. Well mine had been, and coincidentally the same day I deposited my funds on the XXXX of XXXX, my account was due to be automatically closed. Now, this wouldnt be a problem because like I said I had the money in my XXXX account, but the following happens the next day : On XX/XX/XXXX I get a message saying were trying to reverse your transfer. If the reversal is successful, we'll credit this payment to your account within 4 business days ( see attached ). Well, Chase reversed the transfer from the XXXX account ending in XXXX ( attached transaction ID ) and now I have no money available, and no account for them to redeposit my money back into because it was closed. 

On XX/XX/XXXX I called Chase support and they had no idea where the money in, I was furious and went into my local chase branch in XXXX Indiana. I sat in there for 2 hours no answers whatsoever. 

On XX/XX/XXXX I get a message from chase saying We've reversed your transfer to XXXX for {$370.00} we delivered on XX/XX/XXXX. 
We'll credit your pay-from account on the next business day. Attached. I call support again and no answer to where this money would be going or no indications of when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: AZ

Complaint narrative:
On XX/XX/XXXX I was unable to log in to Experian using my password and was unsuccessful so I decided to select Forgot Username even though I was positive that my email address was correct. I only have 2 email addresses and this is not one of them. EXPERIAN HAS ALLOWED SOMEONE THAT IS NOT ME TO ACCESS MY ACCOUNT AND CHANGE THE EMAIL ADDRESS SO THAT I NO LONGER HAVE ACCESS TO MY ACCOUNT. I receive a security email from companies whenever I update information on my account notifying me that my account has been updated. I never received an email from Experian. I have tried calling but the automated system never allows you to connect with an actual person so I am following their process to send information via mail. 

I was a victim of fraud in late XXXX and almost 3 years ago to the day I sent a letter requesting a Security Freeze and it is distressing to now discover that Experian, a company that is supposed to be protecting me, has allowed someone to breach my account and change the email address so that I no longer have access to my account. 

I have done some research and have discovered that this has happened to others : XXXX XXXX XXXXXXXX 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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is just how ___ up this system is. I paid OFF a debt that was the result of a weather catastrophe ( had to buy a generator after a CA state natural disaster ), and Experian and likely the other two bureaus LOWERED by credit score by XXXX points! 

This system is truly so horrible. I paid OFF A DEBT. I am interested in PAYING OFF MY DEBTS but in America, they hold this AGAINST YOU. This system is sick. It does not serve US.

I demand to know why they LOWERED my credit score and I am really tired of posting these complaints but nothing changes in the system itself. Why does CFPB even exist? We don't get it.

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 2023-01-05 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I made an online purchase with my TD credit card on XX/XX/22 that had a time-sensitive arrival. The merchant ( XXXX XXXX XXXX ) failed to make good on their promise to get it to me on time. While working out a resolution, the merchant stated they would provide me a full refund. Over the course of a month, I continued to reach out the the merchant, who would then not honor the original commitment to provide a full refund. They ended up completely ghosting me ( wouldn't return my emails ). I maintained excellent records of all emails sent back and forth to prove the merchant rightfully promised a refund. 

I reached out to TD Bank on XX/XX/22 to dispute the transaction. They provided written confirmation by mail that they were initiating the chargeback and would notify me when the matter was resolved. They provided the case number XXXX. 

On XX/XX/22, TD Bank mailed me a notice stating ( summary ) that they had tried to reach me by phone and mail for information, and since they did not receive a response, the case was to be closed. I received this notice on XX/XX/22 and promptly called their dispute department. 

I explained that I had never received any written communication requesting information ( which can be proven by my subscription to XXXX Informed Delivery ). The clerk stated they would reopen the claim and asked that I fax requested information to them. I promptly gathered the email chain as proof of the interaction with the merchant, adding a detailed letter, and faxed it to the number provided. 

After several weeks without any update, I called the dispute department again on XX/XX/22. After a very long hold, the clerk was not able to provide much new information, only that the fax I sent on XXXX was received and the transaction was still being investigated. 

After another week without any update, I called the dispute department again on XX/XX/22. After several holds and several transfers, I was told it could still be weeks for an update. I explained I would would be initiating a claim with CFPB, as it had already been 104 days since I initiated this dispute. The clerk stated I should open a new claim, which they could attach all of the previously provided information. They stated this would be the best way to get this dispute in front of those that can make a decision. I allowed this, as I simply wanted to get this claim off of my radar and hear the determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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:
I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX @ 15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report

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 2023-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I logged into my Bank of America mobile application and noticed XXXX was missing from a savings account. I did not authorize this transaction or get any notice this transaction was being made. This caused me to look into my XXXX account for fraudulent alerts and I found that I was a victim of identity theft. There were nearly a dozen credit applications made in my name to many different banks and credit unions, there was also attempt at receiving a loan in my name, and two cars rented in my name from XXXX XXXX. I filed a police report with two different stations, XXXX in XXXXXXXX XXXX and the other in XXXX, XXXX XXXX of the vehicles that was rented in my name ended up getting reported stolen and had XXXX XXXX so the police department was able to track down the car and find it. There was a women arrested that was found in possession of the stolen vehicle, and had my ID and a debit card opened in my name in her purse. Ive reported the fraud to my bank XXXX Bank of America ) and there has been no movement whatsoever in my claim. I have also reported fraud to XXXX, XXXX XXXX, and XXXX, and called the other banks and credit unions to report the fraud for the applications opened in my name.

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I made a payment to my credit card company in full for all charges posted on my account in the amount of {$3300.00} on XX/XX/XXXX which is one day late. payment should have been made on XX/XX/XXXX. I called and spoke to a rep and was told that all fees would be waived. Leaving a annual renewal fee of XXXX left on the card. I had previously called and spoke to a rep stating that I did not want the card renewed due to me getting another Amex in my name. Apparently, there is no record of that so I told the rep that I would pay the annual fee on my next billing statement. When my next billing statement arrived, I paid the XXXX annual charge, as well as a future rental car charge of {$130.00}. In total I paid {$380.00}. Which should have brought my account to a XXXX balance. Instead, I had a {$79.00} balance left on my card. I have called Amex several times each time I was told that the {$79.00} charge was due to different reasons XXXX was a late charge on {$7.00} dollar balance ( Which if true would have only brought the charge to {$47.00} XXXX was that I didn't pay the rental car bill in full which I also showed was not true and 3 was oh it must have come from interest which was supposed to have been waived when I made my {$3300.00} payment. Moreover, I pay balances in full on this account monthly I don't carry interest on this card. Lastly while an investigation is being conducted the amount in dispute is supposed to be frozen but instead I am being hit with late charges on money I do not owe. I have gone over all my charges line by line with the representatives and the dispute department, and they acknowledge that I have paid every charge I have ever put on the card and not one of them can pinpoint what the {$79.00} charge stims from. I am at beyond frustrated at this point and actually lost my temper on the last call. You can look at every payment I have ever made with this company, and you will find that I have always paid for charges I make on this card. I refuse to pay money I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 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: GFS II, LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: MI

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

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX 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 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, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Foursight Holding LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX and they provided a letter. They stated that they do not have any information on me that should be reported, as they are aware that it is past the Fair Reporting Act limitations of 7 years. The reporting agencies state that US Department is still reporting and but the US Department of Education states they are not reporting. Anyway, although this account was paid in XXXX. The loan was delinquent in XXXX and closed at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
I have contacted US Department of Education and they provided a letter. They stated that they do not have any information on me that should be reported, as they are aware that it is past the Fair Reporting Act limitations of 7 years. The reporting agencies state that US Department is still reporting and but the US Department of Education states they are not reporting. Anyway, although this account was paid in XXXX. The loan was delinquent in XXXX and closed at that time.

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
auto loan through Credit Acceptance. Loan was defaulted on and vehicle repossessed. Account sent to collections and a wage garnishment judgement awarded without me even going to court. Judgement amount of {$23000.00} with a % XXXX interest on top of that leading to current wage garnishment of $ XXXX monthly.

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 2023-01-05 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: CO

Complaint narrative:
A company XXXX XXXX has reopened a collection account from XXXX that has been paid over a year ago and cleared from my account with a different debt collection company. Now it has shown up again on 2 of my credit reports. I have sent a dispute and received a response and comment on my credit report " Consumer Disputes this information ''.

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 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TransferWise Ltd
State: NE

Complaint narrative:
They wont give my back XXXX XXXX, Thanks for getting in touch! 

In my previous email I mentioned that I was referring to the email screenshot you sent with 4 transfers in an email from Wise. Those are the ones we saw were already refunded. I've attached the screenshot you sent us for clarity. 

You have now confirmed that these other 4 transactions are the only transfers you are stating were not made by you. 

XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD We will be sending you our final response shortly. 

Thank you, XXXX Complaints Officer | Wise XXXX XXXX XX/XX/2023, XXXX XXXX XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD Those havent been chargeback. My bank told me you declined those claim. You havent refund me those yet. 


XXXX XXXX ( Wise ) XX/XX/2023, XXXX XXXX Hello XXXX, Thanks for getting back to me so fast. 

From the screenshots ( to confirm with you ) you're stating that the following transfers were not made by you to this recipient : XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD We're aware that you've already filed chargebacks with your bank for the XXXX transactions in the email screenshot and thusly have already been refunded. 

Please let me know if I've misunderstood anything. 

Thanks, XXXX Complaints Officer | Wise I didnt even talk with someone from fraud department? I got spam. I told my bank. They told me I could speak with you about this matter. This person hack my account and took my money. What should I do? This is ridiculous. All they say is Wise doesn't help me in any way. I will never do business with your company if you don't protect my account. I have lost XXXX from your business. You won't even investigate it. You keeping saying you don't get involved with dispute. 

The person is blackmailing me and forcing sent email to you. He make me screenshot and sent email to me. I told my bank. He might come back to me and my family. First he targeted my school and classmates XXXX customer is blackmailing me. I am scared of my life. I think he is trying hack my account before and sent himself the money. I have called my bank about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: IL

Complaint narrative:
See previous submitted attachments. 
Previous attachments were giving including : a notification from me the consumer stating that my request to block is not being made in error ; nor is my request to block being made on the basis of misrepresentation of fact, by me, relevant to the identified transactions, yet, Experian failed to acknowledge my authority. Experian has the grave responsibility to insure fairness, impartiality, and respect for me, the consumers right to privacy. Clearly there is bias.

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