vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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 do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: MD

Complaint narrative:
I do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
The servicing of my mortgage was transferred from XXXXXXXX XXXX to Dovenmuehle Mortgage , Inc. ( DMI ), effective as of XX/XX/2023. In updating my payments, which I send automatically by check through my bank, I realized recent payments have been misapplied. I make my regular mortgage payment at the beginning of every month and I make an extra principal payment in the middle of the month. I have been doing this for years without issue. However, XXXX has incorrectly applied/failed to apply at least XXXX principal payments and has not been willing to help resolve the issue. I called Amalgamated about this during the first week of XXXX. The representative told me to discuss with DMI. I called DMI who told me that, because my mortgage had been transferred, DMI did not have historical information and to ask Amalgamated to send the last 12 months of transaction history to me and to DMI. I did so and received that information. I called DMI again on XX/XX/2023 at XXXX XXXX EST. The representative told me to send the transaction history to XXXX ( DMI 's " research department '' ) and to explain the issue so that they could resolve it. I did so on XX/XX/2023 at XXXX XXXX EST. I got no response. I have repeatedly followed up and have not received even an acknowledgement that my email was received. In the meantime, my principal payments have been misapplied as regular mortgage payments and my current mortgage payments are being applied an entire month early. This needs to be resolved before the end of the year. My principal amount is larger than it should be! It is unacceptable that I am being charged extra interest through no fault of my own and without recourse!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. XXXX was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer 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 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
They denied my application, even though my application is a promissory note, and they can sale it to a third party, which means they are committing securities fraud. So, I shouldn't be rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: AZ

Complaint narrative:
So I found a complaint for unauthorized charges on the XXXX I had a XXXX sweepstakes online gaming places they ripped me off I deposited a bunch of money with them and then where I bought the coins or whatever and then after I won money I tried to cash it out and they closed my account and kept all my money so therefore I did not receive services that I paid for so I filed a complaint with the branch app and I haven't heard anything to this point they generally are not very helpful and I need somebody to step in and make sure that I get my money back I've already lost over {$1000.00} to the sweepstakes casino and I want a bunch of money and I need my bank to come through for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been billed twice and I am disputing the charge to XXXX XXXX. Truist credit card has done nothing. I circled charge on the Truist statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of 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 explanation
Consumer complaint received 2023-11-25 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. 

THESE ACCOUNTS LISTED : ( XXXX XXXX  and XXXX XXXX XXXX XXXX I HAVE IN LITIGATION. 

ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST TRANSUNION AND XXXX AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have tried multiple locations and this Amex Gift card is denied everywhere I have tried.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had two major issues with my Citi double cash card.

1 ) In the span of 2 weeks my card was blocked N times and I have spent hours on the phone trying to resolve it. I was doing regular transactions with merchants I have always used with this card ( XXXX, XXXX, XXXX, XXXX XXXX, ... ). 
This makes using this card pretty challenging and it is my primary card for purchases. Citi has not given me a response on why this is happening and how are they going to prevent it from happening again. Their agents just say they have made complaints in their internal department but given how long this is going on and how frequent it is happening it is pretty clear to me that these internal complaints are not being heard, thus why I am filing this complaint now. 

Some of my call log : - Talked with supervisor XXXX on ( XXXX ) XXXX at XXXX XXXX PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : According to them blocked because of XXXX transaction - XXXX XXXX  PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX PST XX/XX/XXXX : I don't remember which transaction it was but I had just cleared the card XXXX hour before and it got blocked again. Seemly no new transactions. 
- XXXXXXXX XXXX PST XX/XX/XXXX : Don't remember the transactions involved but I had to redo this XXXX hour after, Citi never gave me an explanation of why - XXXXXXXX XXXX XXXX XX/XX/XXXX : Card present transaction at XXXX XXXX XXXX To make matters worse, they are not able to send SMS to my primary phone number ( a XXXX XXXX  XXXX and they won't accept my secondary phone number ( a XXXX XXXX  because the Caller ID name they get from some third party tool doesn't match my name. Both numbers are used to send me alerts about my account, have been properly registered on citi.com as my phone numbers but I still am not able to use them. I have had both numbers for XXXX and they are mine. 

The Caller ID part is particularly frustrating because I have a really long name that doesn't fit on the card or on the caller ID and the reason they don't match is simply that different parts of my name are used. This ends up being discriminatory to people from XXXX XXXX  countries because our names tend to be very long. 
I would like Citi to provide a way for me to properly register my secondary phone number to receive SMSs. Just give me the instructions. The fraud department agents just say it can't be used because of information from third party providers which is truly maddening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My husband had a bad biking accident in XX/XX/2023. Doctor ordered XXXX. We used the debit card provided by my employer to those with high deductible plans to pay for the XXXX  at point of service. 

In early XXXX, the XXXX  started saying they needed documents re the charge never happened before with service paid at facility, in 7+ years with the card. I could not login to their system without account number. 

I called the company, they refused to give me account number. On XX/XX/XXXX I emailed the documents to the company, including various cc receipients ( President of XXXX  Bank, business relations, etc ). 

Last week ( XXXX XXXX ), got a letter from XXXX  threatening me with the IRS. That letter actually had the account number I asked for months earlier, but they had refused to provide. 

I snail-mailed all the documents again ( XXXX XXXX ), with a cover letter calling it harassment. 

Today ( XXXX XXXX ), got an email to login, then found a letter titled charge was denied. The message center does not allow my computer to open this letter ( I get a message about a missing plugin ), so I can not attach it here. I attach all the earlier documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Chase XXXX XXXX XXXX XXXX, OH XXXX. This letter advised me that due to recent activity, they restricted my account. I was asked to call XXXX to see if they can address the issue. I called and was told my account was compromised. On XX/XX/XXXX I received another letter confirming that I did not open another account in my name and referred my account to the fraud team for review. On XX/XX/XXXX my account was removed from the web site. My debit card was terminated. I called Chase once again and they kept me on hold and eventually the line was disconnected. I called again and they refused to give me information regarding an investigation. On XX/XX/XXXX I received another letter from Chase indicating that I must call Chase about my online account access. They indicated that they locked my online account access to protect me. I was told call XXXX to unlock access. When I called, they told me that I must go to a local office. I went Chase XXXX branch and was told that my funds from my old account would be mailed to me in 5-7 business days. After two weeks I had not received my funds. I called Chase at XXXX XXXX and was told that my funds were suspended until the Team completes their investigation. I am a XXXX XXXXXXXX XXXXXXXX XXXX XXXX and was unabe to receive my XXXX XXXX XXXX XXXX XXXX coming home for XXXX XXXX. I am very angry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: OK

Complaint narrative:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: OK

Complaint narrative:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: KY

Complaint narrative:
Reporting false information in regards to XXXX XXXX  charge-off. The information has been removed from XXXX and must be updated among all three credit reporting agencies. 

In regards to the {$47000.00} charge-off : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefor any such debt in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian billed me {$26.00} per month without my approval, nor authorization to use my card. 
Experian failed to refund my {$180.00} for an account / program I never authorized. 

Second, Experian failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - Experian has not provided valid and legible documentation, despite three disputes, that XXXX XXXX are my 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 2023-11-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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