vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report these are the inquiries : XXXXXXXX XXXX - XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, I attempted to increase the minimum payment on my credit card online. Since I first got this XXXX XXXX credit card through Bank of America, I was able to set the monthly amount to be transferred from my bank account. It was always higher than the minimum payment so that I could payoff the card as soon as possible. Bank of America no longer allows the card holder to set their own minimum payment amounts. They will only deduct the minimum payment or the total outstanding balance on the account. 
I have a loan for a specific amount, interest free as long as I pay it off within the agreed upon limit of one year. In order to pay the higher amount, I am not able to change the amount that I want deducted. However, they will take the payment to increase the payment to the amount I want to pay if I call in and pay it over the phone. 
In speaking to the Bank of America agent, I was told that some customer pay the minimum amount while continuing to charge purchases, thus creating a negative balance that is greater than their credit limit. In order to address that issue all customers, even those with an excellent record of paying their bill, are unable to set up automatic deduction plans that would payoff the outstanding balance within the mandated time frame.

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 2024-02-22 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX of 2023, my son, an authorized user of my Chase Bank credit card, used his card as collateral to rent a moped in XXXX from a company called XXXX. He and his friend had a XXXX moped ride, returned the moped and paid for the XXXX rental in cash since they were leaving the next day and wanted to spend down their cash. They were told the moped was in fine shape and all was well. 
In XXXX of 2023, 5 months later, I got a charge for {$480.00} from the moped rental company, XXXX. I immediately tried to contact the company to find out what the charge was for but their phone, website and email address are no longer valid. Apparently the company is out of business and is in bankruptcy. A two-hour moped rental does not cost {$480.00} so I have no idea what they charged my card for 5 months after the fact. This is an obviously erroneous charge. A XXXX moped ride does not cost {$480.00} and why would they wait 5 months to charge it!? 
I tried to dispute the charge with Chase Bank. They initially told me the charge was fraud so I initiated a fraud claim. The fraud claim was denied on the basis that the card was presented to the merchant. I then was switched back and forth between the fraud department and the disputes department a total of 6 times over a two-hour phone call. Finally, disputes agreed to open a dispute claim. I was required to submit my dispute in the form of a letter mailed in via postal mail. I wrote a letter and sent screenshots of other consumers on the internet reporting that, in bankruptcy, the company was erroneously charging credit cards they had kept on file. 
This claim was denied because I could not produce a receipt showing that the moped ride had been paid for in cash. My son 's friend is still looking for a receipt or any proof that he paid in cash but it is really unlikely that a XXXX XXXX XXXX has saved a receipt for a XXXX moped ride for 5 months ( now XXXX months ). 
When I got the letter that the claim was denied I called disputes. I was told they could not contact the merchant and that it was a bank to bank charge and since I didn't have a receipt, they would let it stand. Ultimately I asked to speak to a supervisor. The supervisor was very rude to me. He told me that I was not a responsible consumer since I didn't have a receipt. He said that he'd saved every receipt for every purchase he'd ever made, an obvious lie. A ridiculous lie. I asked how long a company could save my card and charge it. He said forever and then he hung up on me. 
I would like help in recovering the {$480.00} I was erroneously charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

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 2024-02-22 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: TX

Complaint narrative:
PLEASE SEE THE DOCUMENTS BELOW. PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED WITHIN 4 DAYS. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAVE BEEN DELETED FROM MY XXXX AND XXXX CREDIT REPORT PLEASE FOLLOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
Mr Cooper attempted to mail a check for my flood insurance late ( XX/XX/XXXX ) resulting in my flood insurance policy being cancelled and the check not being cashed. They attempted to send another check on XX/XX/XXXX and YET ANOTHER ON XX/XX/XXXX. 

They have charged my escrow account with ALL OF THESE and not credited the checks that were not cashed to my account. I have called and been told to wait two weeks for them to be credit back. When they werent credited back after two weeks, my fianc called for me and they said, oh if it is not resolved by Wednesday XX/XX/XXXX, call back. Here it is Thursday XX/XX/XXXX and not only is my escrow account not resolved, they refuse to speak to my fianc about the account, even though they had an hour long conversation with him last week. They refuse to credit my account for payments that were not accepted and now my mortgage payment has raised due to negative escrow. 

My flood insurance should have been paid ONE TIME. ON TIME. Rather than costing {$450.00}, they are claiming I have over {$1300.00} in flood insurance payments. 

I can not get a resoluation by calling the company. At this point, the charges in my escrow account are fraud because I did NOT authorize them and they were not accepted by the insurance company. So where is the money??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Im continuously dissed XXXX the fraudulent inquiries listed on my check systems report. Representatives that check systems do not investigate my concerns and they do semi letters back saying that my disputes are frivolous which is very insulting. These inquiries listed on my check. System report are not authorized by me, never have I ever tried to obtain or open accounts with these companies nor did I give anybody permission! These companies are in another state besides Florida and I do not qualify for the guidelines to open accounts with them so that shows that these werent done by me also addresses listed on these inquiries do not match any place I lived But yet check systems refuses to remove them. Ive contacted the companies individually requested that these inquiries being removed.

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 2024-02-22 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: MS

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is 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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Hello, I hope this finds you better than I. Today I found out that my checking account with Huntington Bank is frozen. I attempted to use my debit card and it was rejected so I called customer service. When they told me about the freeze, an account manager said Id have to go to the nearest branch to resolve. Unfortunately, this bank does not have any nearby branch, and even when asked, they couldn't tell me which was the nearest branch. Apparently, somebody filed their taxes in the state of Ohio, a state I dont or have ever lived in, with no connection to me, and used my checking account to issue the refund. It was deposited in my account and then they froze my account because of it. When I was told this I instantly said that it makes no sense as I have never filed Ohio taxes and that it was obviously not mine, she then told me that the person whom this was meant for is XXXX XXXX, or something similar to that, and I insisted I did not know this person. I also asked to reverse those funds but she did nothing and just kept telling me to go to the branch, which is impossible. That call ended in the morning and I called again later in the afternoon. At first, I was told the same thing, you have to go to a branch, but as I insisted and pleaded my case, I was placed on hold then told to send a notarized letter stating that I want my account closed and a check will be issued and sent via postage. I felt like I was being shrugged off like in the first call so I asked that if the account was frozen and the money unaccessible, how would they be able to close the account, can you give me assurance as this is time sensitive and this may take weeks? I was placed on a brief hold again and told that it wouldn't work and the only option would be to go to a branch. Im unfortunately not able to and she said to just keep the account as is until I am by a location, but I have no idea what that is and she couldn't give me any information or assurances regarding the monthly maintenance fees that will be charged to the account while all this is happening. I even compared it to holding my money hostage and what a huge impact this is having on on life as rent is due and no option other than wait months if not years to go to a branch. I tried contacting them on XXXX and nothing, on email I was shrugged off again, I even dialed the international number and nothing either. I am at my last resort and hope that you can help me as I feel absolutely helpless in this situation. Plus, they refuse to reverse the IRS refund that somebody probably needs or, at the very least, waiting for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I made an overpayment on my credit card, the amount was {$11000.00}, and immediately, Capital One restricted my account because of that payment. They requested I send them a picture of my id card and a utility bill, which I immediately provided. I was then told I would have to wait 1-10 business days so they could review it and they would call me. Two full weeks later, I called them back and was told they had not reviewed my documents and that they would call. No one ever called and amazingly, card was operational and the payment applied to my account.. used my card and on the same day I noticed a fraudulent charge online from Ikea was made on XXXX XXXX. I immediately locked the card and reported the fraudulent charge. On XX/XX/XXXX, another payment was mistakenly sent into my account for the same amount, I have since corrected this error so no further automatic payments will be made to Capital One. I again contacted customer service because my account is restricted again since that date, they removed the payment from XXXX, tentatively credited the XXXX payment but the statement says that I have over XXXX on the card over my credit limit, but also I owe them a payment of {$430.00} on XX/XX/XXXX and because I didnt make the payment, I now owe an additional {$30.00} late payment fee. I have made numerous calls to Capital One over this issue but now going into 3 months now and they have been sitting on my money and will not refund it or credit my account, all while using my money interest free. I have been with Capital One for over 20 years and up until now have never had a problem with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XX/XX/2022 XXXX XXXX XXXX {$840.00} XXXX Date Opened : XX/XX/2022 2022

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 2024-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/XXXX Opened a XXXX with XXXXXXXX XXXX  for {>= $1,000,000}. 
XX/XX/XXXX went to a PNC Bank to inquire where my CD was. They told me to snail mail Pennsylvania, and I did. I did return receipt requested and received the signed green receipt but never a response. 
XX/XX/XXXX I was told XXXX XXXX and XXXX XXXX who are with PNC would look into it. 
XX/XX/XXXX I was told they could not find anything but also could not confirm what happed to the money. Said it may have been escheated back to the state. I checked. It has not. 
XX/XX/XXXX I went to another PNC bank in XXXX XXXX and spoke with a manager named XXXX. She said the funds would not have been saved and given back to the state. They looked it up and nothing was found. They they said I may have to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Incorrect inquiries 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 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 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a basic checking account with Citi bank around XXXX transferred money from my XXXX account to Citi bank XXXX $ all together. When I tried to login my mobile app for Citi bank all of a sudden it said password wrong when I know it wasnt. I called the first time Citi bank to explain they said about XXXX months ago I will receive a letter in the mail with a confirmation number on it but never received it. Called again they kept saying it should be in anytime but still nothing and tried a third time and they just gave me a run around acting as if I should still wait for the mail never received anything and my money has been stuck with them when I needed it. I would like to please get help just getting my money out and closing my account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief