vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have tried to solve this issue with Discover bank directly, but they have not responded to any of my requests, I had no choice but took this matter to small claims court and they didn't respond either. Back in XXXX my personal bank account was jeopardized but by the time I realized what had happened it was too late Discover posted 1 time 30 day late on my credit report. I have always been on time with my payments. I am very responsible person, I take my finances and credit seriously, I was asking if Discover would honor my request and as a curtesy remove the 30 day late from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was billed for an XXXX stay in XXXX of XXXX for around {$880.00}. During this stay I had to come out of pocket for things that were to be in the unit. And for other things, I just didn't have during my stay even though they were advertised. I requested a refund of {$100.00} ... to cover out of pocket expenses. The host approved the refund but I believe there was a typo as it was only {$1.00}. XXXX will ONLY allow you to escalate from there directly to them. I did just that. XXXX refused to assist, I was passed to so many different representatives and told so many different things that after 2 weeks I decided just to dispute the amount with my Barclays card. After submitting my dispute online, I was told by a representative to submit the correspondence either with fax or mail. I have not had a fax since XXXX so I mailed it over a month ago. I messaged them in their secure messaging asking for confirmation one way or the other if they received the physical copy that had receipts/correspondence to back my online dispute and they refuse to give me an answer on whether they would assist with this dispute and protect my purchase. I was never even credited the amount while being looked into. I have had contact about this issue with Barclays no less than 5 times ( online, messaging, phone/chat ). I will have this card paid in full within the next week and have locked it from any other use but I still want my {$100.00} back on my purchase/refund, they can mail me a check. I have attached the dispute in print ( only taking out my full account number ), along with all of the info I send to them including my receipt. Please let me know if there is anything further you need from 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 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
I purchased a XXXX  gift card via US Bank at my local XXXX XXXX grocery store on XX/XX/XXXX in the amount of {$400.00} to use on a trip to XXXX XXXX XXXX that our family was taking after XXXX. Fast forward to XX/XX/XXXX when we went to use said gift card at a restaurant in XXXX and it was declined. We called the customer service number on the back of the card and were told that the card was registered in someone else 's name and that the funds had been drained soon after we had purchased the card. We were told to fax our proof of purchase, along with my driver 's license and a photo of the front and back of the gift card and once said items were received that a new gift card would be sent to the address on the drivers license. We faxed to US Bank on XX/XX/XXXX, I called back numerous times over the following weeks to confirm receipt of said documents, after being told to keep checking back several different time frames they asked me to fax over again, I verified the number was indeed correct ( it was ) and resent all requested items on XX/XX/XXXX and started the calling in process all over again. I am now being told to fax the documents a XXXX time as they claim to not have them. It is apparent to me that I am getting the run around and US Bank has no intention of replacing my gift card despite what we were originally told. We have followed all steps from this fraudulent company to receive reimbursement of the stolen funds but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 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.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, XXXX and Tranunions Account Name : XXXX XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year> need to remove Late payments

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, Equifax and XXXX  Account Name : XXXX XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 need to remove Late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been working with Chase on a deferment for past mortgage payments and everything was complete. I was away for the holidays and they sent a property preservation company to inspect my property and do work.

This was against everything we agreed upon and no one ever called me to see if the property was vacant or anything. Also my loan was never reported past due so this never should have happened.

Chase refuses to compensate me or make this issue right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MS

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-18 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: FL

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

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

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX XXXX XXXX  Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX XXXX XXXX  Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self Lender reported late payments on my account for the month XXXX and XXXX I paid off the loan before the loan term ending inXX/XX/XXXX and would like this account removed immediately from my report. It is hindering me from obtaining new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Just got this notification from experian saying my credit report has changed and then they tell me this incredibly STUPID thing that after almost 2 years of complaints about experian stealing 20 months of on time never late payments to XXXX and refuse to give them back THAT THEY HAVE UPDATED MY MIDDLE NAME, this is complete negligence or done on purpose, I'AM GOING WITH THEY ARE DOI G THIS ON 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 2024-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a phone call from Wells Fargo Bank asking if I authorized a wire transfer of {$10000.00}. Which I did not. This was actually the second wire. The first one had gone threw for {$9900.00}. Someone in Florida had breached my online banking and transferred money from my line of credit, business saving, XXXX, personal savings and my credit card to my business checking to be able to wire it. At some earlier point the hackers had changed my mailing address and ordered a fob from Wells Fargo to receive codes to summit wire transfers. All of the cases have been resolved except for the money taken from my savings accounts. {$1400.00} from business savings and {$8000.00} from personal savings. After many months and trips to the Wells Fargo XXXX in XXXX Ca. I was informed by Wells Fargo Bank that it was not their responsibility for the wire transfer. It was XXXX Bank in which they went to. I believe this to be negligence on Wells Fargo Bank for allowing my address to be changed and for mailing the fob to Florida. I have been with Wells Fargo Bank for twenty years and have never lived or done business in Florida. This has caused great hardship from not only the loss of money but also loss of work and time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
A few fraudulent accounts are reporting my on credit report. I have attached a new FTC report along with my DL and Passport. I have contacted the credit bureau regarding these fraudulent accounts on my credit profile and also sent the document via mail back on XX/XX/2023. I gave them 15 days and called back to be told by the agent that they did not receive anything. They also told me to get a new FTC report. This situation has caused serious XXXX. I had to go to the XXXX XXXX to purchase 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 2024-01-18 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: FL

Complaint narrative:
A few fraudulent accounts are reporting my on credit report. I have attached a new FTC report along with my DL and Passport. I have contacted the credit bureau regarding these fraudulent accounts on my credit profile and also sent the document via mail back on XX/XX/2023. I gave them 15 days and called back to be told by the agent that they did not receive anything. They also told me to get a new FTC report. This situation has caused serious XXXX. I had to go to the XXXX XXXX to purchase XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I put in a dispute to chime for Account Number Ending In : XXXX  Claim ID : XXXX Dispute Type : Debit Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$1900.00} They responded Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed witch is incorrect I even explained to them how I had nothing to do with the charges and how they were unauthorized but yet theyve denied my claims more than once. Even asked them to block both of the merchants the last time it happened even before this dispute claim they failed to do so causing it to happen again. I will upload a document of the so called documents they used to make theyre final decision witch is nothing but an intake form literally thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX debit card was fraudulently charged {$380.00}. I tried disputing these charges XXXX times while also submitting a police report and my driver license. Bank of America continues to deny the claim without investigating anything. They keep saying that because the card was in my possession that its basically my fault. I have no clue how a scammer got my card info but they did and I cant afford to lose {$380.00} because the bank doesnt want to actually investigate and arrest those responsible. I live paycheck to paycheck and can not afford to just give away {$380.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an estate account for my deceased mother at Citizens Bank in XXXX ( XXXX XXXX ) upon opening account I felt very uncomfortable with the XXXX at Citizens bank on XXXX XXXX in XXXX. So I filed a complaint with Citizens ( # ID XXXX ) and I thought I broke ties with her and that branch. It was my belief she would have nothing to do with me or my account. On XX/XX/2024 I visited Citizens bank on XXXX XXXX in XXXX I attempted to withdraw {$5000.00} from my account I had a balance of {$7000.00} the manager at that branch calls the Manager of the XXXX XXXX branch to verify my account. She then told me she was instructed by XXXX XXXX, whom I lodged a complaint about, not to service me if I wanted funds I pleaded with her to check there system I have a complaint against her but she would not check and Insisted I have to go there she would service me. Upon my arrival she says my balance is {$200.00} dollars she stole {$5000.00} from my account I made one trans action withdrawing one of the {$2000.00} she did not steal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
Dear TransUnion, I looked at my credit report back on XX/XX/XXXX and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/XXXXand asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I need these accounts Deleted immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

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 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/23 I got emails from XXXX  addressed to XXXX and sent to XXXX that was an order confirmation for an order from XXXX XXXX XXXX XXXX that I didnt place. The customer name was XXXX XXXX ( my maiden name ) and the address was in Ohio ( I live in Texas ). I have an account with XXXX  because I use their app to track shipments to me but I have never used Affirm / XXXX XXXX to finance anything. 

I received subsequent emails stating that I had set up payment installments. I tried to find customer service to notify them that I did not initiate this transaction, and I found an FAQ that said to reach out to the merchant. So I emailed XXXX XXXX XXXX XXXX and said that I didnt initiate this purchase, but they didnt reply. 

I received an email that said that automatic payments for my loan were set up on a card whose last 4 digits dont match any of mine. I figured out how to open a case with Affirm on XX/XX/XXXX. They emailed me and asked me to fill out an Affirm Customer Protection Affidavit but there was no link or explanation of how to do this. 

I have received numerous emails that my account needs attention and my auto payments didnt go through. I called Affirm and they told me that they can see that my auto payment was never confirmed so on their end it looks like I am not on the hook for the money. However, I continue to receive emails with escalating urgency saying that this will hurt my credit etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: IN

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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