vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Bank XXXX in XXXX RI sold my mortgage to XXXX XXXX XXXX NJ on XX/XX/2024. I had no choice in this matter and a bunch of mortgages were sold. 

XXXX ) The day the sale went through, XX/XX/2024, my XXXX XXXX plunged XXXX points. It still has not come back up to what it was. 
XXXX ) I received a letter of Delinquent Property taxes from the XXXX XXXX XXXXXXXX RI which is where I live. Property taxes were due on XX/XX/2024 and they have not been paid. In a few days the XXXX of XXXX will be charging me daily penalty fees if these taxes are not paid,. I have an escrow account with XXXX Mortgage that was transfered to them by XXXX XXXX. This account has close to {$5000.00} in it. I have never been late with a payment to Bank XXXX or XXXX mortgage. 
XXXX ) I have pleaded with both banks to resolve this matter. I have been trying to get this resolved for a while and provided XXXX the letter of deliquency a week ago.. Neither bank will pay the property tax which is approx {$1700.00}. I have paid for the taxes already via escrow. XXXX still says they are not liable for taxes due before XXXX. Bank XXXX says they are not responsible for anything after XX/XX/2024. Lots of other people in my town are experiencing this exact issue because their mortgage was also sold to XXXX. I believe XXXX is at fault but don't really know how all this works. Please help! 
Thanks, 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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My credit limit was lowered by Bank Of America. When I tried to get it back they said no because my credit usage was high but if they had not lowered my limit it would not have gone down,

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 2024-03-30 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-30 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: CA

Complaint narrative:
Equifax and XXXX are reporting an account- XXXX XXXX- on my credit file, but this account and balance do not belong to me. XXXX XXXX and I have sent numerous letters asking for the removal of this account and its deletion from the credit file, yet these credit reporting agencies are still reporting this account after months and months of requests for removal. I have attached the FTC report and the letter from XXXX for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Hello. Yet again USAA is trying to charge me XXXX from my stolen debit card by stating they had my personal information. They stole my license and my fidelity card and my health insurance card while in XXXX Florida. XXXX caught the first transaction immediately. They saw it was fraud. USAA let them charge close to XXXX with out a word. They are saying it was me die to them having my information. First off they had my licenses and other items listed above. Second I am the only XXXX XXXX in the XXXX. They could find plenty of information even online. USAA is stating I need additional documentation. Yet dont accept fidelity information whom caught the first XXXX charge. There are no police reports now per Florida as there were no police reports for the employment scam which they are now saying numeric was used. Well if course as if you look at those notes I was hired as a personal assistant conducted interviews and received an offer letter. I called Usaas the ensure the checks that were sent by Aka employer and they send they had gone through on both ends. So I used the moneys to perform duties. Yet now the stolen debit cards. XXXX protect and USAA let them charge close to XXXX without a warning. Now I nee to provide other information. Per their rules I am to call immediately and report a stolen card which I did. I followed the rules. I called XXXX and everything was resolved immediately. USAA has yet again put me in a position where I cant access any moment with a negative balance of close to XXXX. Enough is enough. The card was stolen and I have rights. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
Timeshare installment loan is being reported as a real estate mortgage

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 2024-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime In XXXX of XXXX  There was unauthorized and fraudulent charges on my account. I informed soon as I knew card was stolen, been over a year now, and as a victim of identity Theft and multitude of data breaches ( past XXXX trying to resolve ) chime refuses to REFUND my stolen money & deny every dispute as I'm still in with more charges not mine, they're not overdraft /theft covering us, as stated, they continue to allow I'm living proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
incorrect information on 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 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am currently in XXXX due to a family health emergency and will not be able to return to the US before XXXX more months. 
On XX/XX/XXXX, while traveling in Puerto Rico, I made a transaction to purchase ferry tickets to a nearby island. It has come to my attention that my personal information was compromised at the ferry port, leading to an unauthorized wire transfer of {$55000.00} from my savings account to an account at XXXX XXXX XXXX. This has been a shocking discovery, especially since I had not been contacted by Chase regarding such a significant transaction. 

This incident came to light after speaking with a fellow traveler from XXXX, Illinois, who experienced a similar fraudulent activity in XXXX, resulting in the theft of {$69000.00} from their account. 

Due to my focus on an urgent family issue, I failed to notice the transaction in time. Upon discovering the discrepancy, I visited the bank immediately and was advised to report the incident via this communication. 

I submitted affidavit and proof of my travel but they denied refunding the amount saying that I had to report the incident within XXXX XX/XX/2024 but as I was traveling abroad and going through family issues I failed to report within time and I reported the incident a month late on XXXX XXXX. 
I am a post XXXX researcher at XXXX XXXX XXXX XXXX and I saved all those struggling while doing my PhD and paying off my students loan. And now I do not have anything in my bank account as all my savings have been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Multiple attempts, both on the phone, website, and through email to move a balance to my current XXXX. 

They won't give it with funds invested, but if I move the funds to my account, they charge me {$2.00}, and immediately move it back. 

I keep incurring their fees to try and get my money back only to have them put it back into a place I have to incur a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
NORDSTROM/ TD BANK XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Subject : Request for Removal of Debt from XX/XX/year> Dear NORDSTROM/TD BANK, I am writing to request the removal of a debt that was incurred approximately six to seven years ago, as reported on my credit report. The debt in question appears on my credit report under the account number XXXX, and it originated from NORDSTROM/ TD BANK. 
After thorough review of my financial records, I have come to realize that this debt has surpassed the statute of limitations and is no longer legally enforceable. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for reporting most negative information on a credit report is typically XXXX years from the date of first delinquency. As such, I kindly request that you remove this outdated debt from my credit report. 
I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that removing this outdated debt would reflect a more accurate representation of my credit history. Removing this debt would also help improve my credit score and provide me with better opportunities for financial stability in the future. 
I would appreciate your prompt attention to this matter. If you require any further information or documentation from me to facilitate the removal process, please do not hesitate to contact me at the above-mentioned contact information. 
Thank you for your understanding and cooperation in resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I have a checking account with SoFi Bank and an authorized transaction with a company XXXX for XXXX for a membership that was canceled prior to them taking the funds the company only refunded XXXX so I reported the XXXX to SoFi I gave them the allotted amount of time the XXXX business days and I was told my multiple representatives including managers and supervisors XXXX named XXXX that would have my provisional credit by the end of the business day XXXX which was not the truth so I called today XXXX XXXX was rude and only gave me the run around stating that I now had to wait til Monday after I explained the urgency of needing my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reporting of transaction history between myself and XXXX XXXXXXXX XXXX is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX account # XXXX opened on XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reporting of transaction history between myself and XXXX XXXX XXXX is a direct violation of XXXX U.S.C. XXXX ( d ) ( XXXX ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/year>XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/year>

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo charged overdraft fees and closed my account without notice.

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 2024-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
There is no option to make a principal only payment on my Navient student loan. When I pay online, I see no option to make a principal-only payment. So either Navient has none and is violating the rules on prepayment penalties or they expect me to call them everytime I want to make a principal only payment. I borrowed {$25000.00} in 2001 for law school. The interest which has accrued and has been paid on this loan is {$46000.00}. Yet, they say I still owe over {$32000.00}. This is usurious to say the least but my complaint is that there should be a button I can literally press online to say I want to make a principal only payment and there is not. They make it literally harder for people to get out of debt. This needs to be addressed. At the rate I am making my payment, I won't be able to pay the debt off for another 9 years. The interest on my loan is currently 11 %. It is outrageous. That is unacceptable. They need to have a principal only option online payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: LA

Complaint narrative:
Transunion XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have more that should not be on my report, because its locked

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: MO

Complaint narrative:
Was sent a dated promotional offer via mail with my name and address for a sign-up bonus to bank with Commerce Bank XXXX I took the physical offer to the bank and opened an account within the sign-up period. I met the requirements from XX/XX/XXXX date of opening to the XX/XX/XXXX promotional window. By that time I had held the minimum balance that they required of {$300.00} and had made more than the required 10 transactions. Bonus was stated to be paid out first week of XXXX. Never received the bonus so I went into the bank and spoke with an employee. They said it looked as though I had met the requirements and sent an inquiry to the team that manages the bonuses. A week went by and no answers, no bonus. So I emailed them through the banking portal. The response was, " You did not make 10 debit card purchases in the first 60 days after account opening. '' I replied, stating they have made a mistake as I can count and show 12 transactions between XXXX and XXXX. Have not received a response to my reply and it has been nearly a week. Have not gotten the bonus either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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