vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I left my phone at a restaurant and did not return to pick it up until around an hour later. When I retrieved my phone I immediately noticed that there were 3 unauthorized XXXX payments for {$250.00}, {$1000.00}, {$260.00} back to back in quick succession to an unknown LLC. I immediately called Chase Bank to contest the unauthorized access to my account which was done through my phone. I spoke with a representative and explained my issue and was told that within 10 days I would receive an update on my claim. Over 10 days pass and I called back Chase Bank for an update. When I called this second time I learned that a claim had never been created and I was forced to repeat the initial process and give the details of my situation. I was then told to wait 10 more days for an update. After these 10 days, I called Chase Bank for a third time and was notified that my claim had been declined and that I would need to provide additional documents to support my claim. An example given was documents from the restaurant proving that I had lost my phone. Obviously, at this point nearly a month has passed and it is impossible for me to obtain these documents. Had my initial claim been filed when I immediately called I would have been in a position to obtain corroborating evidence from the restaurant. I was then told that my claim would be looked at again and to wait 10 more days. I wait 10 more days and call back in and it has been closed and can not be reopened without any additional documents supporting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In viewing my monthly TD Bank statement, I noticed a posting ( XX/XX/XXXX ) of {$900.00} that I wasn't aware of. I called customer service immediately and disputed this transaction. The rep. was helpful to what steps I need to take in which I would need to file a claim. I went to my TD Bank and spoke with XXXX XXXX ( XX/XX/XXXX ) about the problem and began to do the paperwork submitting the fraud claim. XXXX XXXX mentioned to me that the funds would take a few business days and it needed to be posted first, in order to receive the credit. amount. On XX/XX/XXXX, I received a letter from TD Bank stating due to their findings that I ( XXXX XXXX ) authorized, benefitted, consented from this transaction, and I was denied and if my account was credited it will be reversed on ( XX/XX/XXXX ). On ( XX/XX/XXXX ) again, I spoke with TD Bank rep. and this time the rep. said to call XXXX XXXX in which I did and spoke with XXXX XXXX in the fraud dept. She traced the name to a XXXX XXXX in XXXX. I ask her for documentation so I can give TD Bank. On XX/XX/XXXX I followed up on my claim XXXX XXXX and spoke to XXXX XXXX. As our conversation continued he explained to me what steps I needed take. He suggested that I should file a claim with the following agencies : FTC and XXXX. That I did. On ( XX/XX/XXXX ) I went back to TD Bank with all of my paperwork and did meet with the bank VP/Manager XXXX XXXX XXXX XXXX Paperwork included : Letter to TD Bank Corp Headquarters, FTC filing and IC3. On ( XX/XX/XXXX ) received from TD Bank Branch, South Carolina, spoke to XXXX XXXX and I notified her that will be filing a new claim. She said it probably get denied again, but I can try. The new case # XXXX. The old case # XXXX. The XXXX XXXX case # XXXX. As of XX/XX/XXXX, received 2nd letter stating they denied my claim, TD Bank said, they have my name and address and telephone regarding this transaction, I said, what about my mother maiden name for proof and my father 's or my dog. Scammers can get your name, address and telephone off the website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted per 15 U.S.C. 1681. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again on XXXX, the incorrect items continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XXXX informing you that I had yet to receive a response informing me that these items were being investigated, updated or deleted. Since then, I continued to send letters to the bureau as well as the creditor requesting validation, verification and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issues. I just pulled my report again and it is now XX/XX/ and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following accounts from my credit profile. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX  XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX  XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account XXXX : XXXX XXXX. XXXX Account 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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
I purchased a cell phone on the XXXX by XXXX  website for {$94.00} including activation and first months service. I am a new customer and I do not have an existing phone number or account with XXXX. The order seemed to go through but I was given no order number or confirmation email. The money was debited from my account with Chime and it said pending. My phone was due to arrive within 2 days. This would be Friday XX/XX/2023. I waited until Friday and called XXXX and they could not help me without order number. After several attempts I was able to speak with someone in shipping and they said they had tracked down my order by the info I gave them. I was told my phone would ship in the next 48 hours making that a Monday arrival. Monday came and no phone. Accirding to my bank account the transaction was still pending, so obviously my phone was not shipped because it was still pending. To make a long story short I spoke with XXXX, they again couldn't find any order or even my card number in their system and urged me to contact my bank ( Chime ). I contacted bank told them there was no record of the transaction and I wanted my money so I could do the order over. They said there was nothing they could do since the transaction was still pending. They were unwilling to file a dispute and did not credit my account because it was still pending. I needed that phone on Friday at the latest and informed them that they needed to release my money. They blamed XXXX and told me XXXX had to release the funds, and XXXX told me they did not have the funds. So now it's been 7 days, 5 business days and the transaction still says pending and I've lost more money without a reliable working phone. Chime won't even contact XXXX and investigate, which is supposed to be their job. So I've been out XXXX : dollars for a week now and no one at either of those companies gives a XXXX and I'm low income and don't have another XXXX dollars to redo the order. I was supposed to get a response via email and neither company has done so and both are at fault in my opinion..I did nothing wrong. I was trying to order a new phone and service that was reliable and I used my chime card and now my money is in space, limbo,? These two companies have XXXX XXXX, and neither one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later Transunion dropped my score, XXXX did not ; who knows what XXXX has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last monthXXXX of XXXX, 3 years later out of the blue once again Transunion dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX I now see that XXXX has followed Transunion and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since 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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Went to XXXX to check credit card offers so I can get a card with intro rate of 0 % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose XXXX XXXX XXXX XXXX XXXX XXXX card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the XXXX XXXX number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. 'Resurgent ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down three points with the XXXX XXXX credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with XXXX XXXX over a decade ago which was discharged though a bankruptcy back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On early XXXX I opened a saving account with Ally Banking. My first deposit was in XX/XX/XXXX for {$2500.00}. the second deposit was on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX Ally withdrew {$2500.00} by mistake for Stop Payment reason and send it back. That money never got back to my Credit Union account from where it was sent. I have spent 4 hours with my bank looking for that returned money with no success. It is my opinion that Ally Bank made some kind of error when the {$2500.00} was sent back to my C.U. account because it has been a month and 1/2 and that money has not arrived. There was no reason for Ally Bank to send that money Back. I am retired and hope you can help me with this issue.

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 2023-08-02 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: MD

Complaint narrative:
i look at my credit report and say that it had reported my payments as late, i never opened the account

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 2023-08-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For XXXX months this loan was not on my credit. In XXXX they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX  ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.

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 2023-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In May they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( 17 ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For XXXX  months this loan was not on my credit. In XXXX  they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of XXXX. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.

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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account below is reporting incorrectly/inaccurately on my consumer credit reports, please DELETE PROMPTLY & IMMEDIATLEY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX } reporting on XX/XX/2023 { Acct # : XXXX } - - - REASON FOR DELETION IS : Information reporting/reported is inaccurate - - - [ Account open date : XXXX = INCORRECT. ] - - - [ Original balance = INCORRECT. ] - - - [ Payment history = INCORRECT. ] - - - Furthermore, I have no knowledge or information about this account or company, they did not provide me with a copy of an original contract as requested. - - - As per the FCRA Section 611 ( 15 U.S.C. 1681I ) inaccurately & unverifiable reported information shall be promptly DELETED from my consumer 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