vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Now that XXXX has corrected the understandings that the consumer closed the credit cards with Chase that XXXX must acknowledge their faults of applying a hard evaluation resulting in lowering of the XXXX XXXX was incorrect because Chase only denied the credit cards due to previous promotional periods does not allow the consumer to open new credit cards until the waiting-period ends. 

XXXX should correct the XXXX XXXX per the Chase lowering the XXXX XXXX only upon confusion that Chase did not recognize the denial was not the fault of the consumer but only due to the promotional period hold. XXXX wrongfully believed any denials of Chase credit cards equals a lower XXXX XXXX because XXXX could not figure out why Chase would deny credit. Chase promotional credit cards would not successfully be connected with XXXX to showcase previous credit card closures was due to the consumer closing credit cards as if the consumer is trying to signup duplicate promotional plans is a fault against the consumer. XXXX credit cards should not be resulting in lowering of the XXXX XXXX if closed out and signing up for a new chase promotion would deny eligibility only because all chase promotions are connected as if there is a promotional-waiting-period to utilize Chase credit cards again. Because XXXX believes this is a XXXX XXXX conflict that the user would be wrongfully blocked from applying for other credit card applications other than chase. 

XXXX needs to correct the XXXX XXXX on this CFPB Complaint per the wrongful decline of the XXXX XXXX is only attributable to Chase promotional credit card-holding-period and not due to the fault of the credit history as if the consumer is wrong for signing up for promotional credit cards and ending the credit card after achieving the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a Chase Marriott XXXX XXXX cardholder. I ordered XXXX dresses from XXXX and XXXX in XX/XX/year>. Two of the dresses arrived on XX/XX/year>. They were not a fit, so I returned them. Two of the dresses never arrived. I was charged for all four dresses totaling {$1900.00}. I thought perhaps there was an issue with the carrier or the items were back ordered, but weeks later, the items still never came. I logged in often to check the order status and the status was stuck at these items will ship soon. By XXXX, I filed a dispute with Chase. Chase allegedly got in touch with XXXX XXXX XXXX and claimed that the charges were appropriate and closed the dispute. I was very upset and tried to find ways to get in touch with XXXX XXXX XXXX myself, but it appears that there is no longer a functioning customer service number and they did not respond to any of my emails. I re-opened the dispute through Chase, with all screenshots proving that the items were not received, and I corrected the amount owed, which was {$970.00}. Chase closed the dispute again, claiming the charges were valid, input the wrong claim request, and there is NO WAY they got in touch with XXXX and XXXX. Im very disappointed in the lack of care towards Chase cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2024 they withdrew XXXX out my account.. They breached the contact and asking for more money to move my stuff I requested for my deposit back came XX/XX/2024 they sent a receipt statement for my refund. 
I have proof that I was informed that refunds were being processed. However, I never received the funds. The company initiated a refund but then charged my bank card again without my authorization. When I contacted the bank, the funds were never received. Please see my bank statements. This is credit fraud and unauthorized charges from my banking 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Our reference : XXXX XXXX Original Creditor : XXXXXXXX XXXX  Original Account : XXXX Current Creditor : XXXX XXXX XXXX XXXX  . 
Balance Outstanding : {$150.00} On XX/XX/year>, XXXX XXXX, XXXX XXXX  XXXX, representing the creditor agreed and accepted the payment of {$150.00} as full and final payment to settle this debt. The payment was made on that same day by credit card. 
They now have fraudulently changed it in my credit profile as 'charged off ' resulting in XXXX point drop in my credit. 

They have breached the contract that we entered into where they will accept the {$150.00} as full and finally payment and settlement for the {$300.00} debt that was outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by XXXX on my credit reports with XXXX, Equifax, and XXXX. The discrepancies in the information provided by these credit bureaus are significant and have resulted in a gross misrepresentation of my credit profile. Additionally, my account was improperly sent to collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and seek enforcement of applicable laws for the resolution of this matter. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : XXXX : {$0.00} Equifax : {$6200.00} XXXX : {$6200.00} XXXX Credit XXXX XXXX XXXX : {$6500.00} Equifax XXXX {$0.00} XXXX : {$6500.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact These discrepancies demonstrate a severe lack of consistency and accuracy in the reporting of my account. The reported late payments exceeding 120 days and the improper sending of my account to collections without my consent have caused undue harm to my creditworthiness and breached my right to privacy.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in dates, high credit, and credit limit reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not report information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Furnishers must investigate disputed information and report the results to the consumer reporting agencies.

6. Right to Privacy : Sending an account to collections without proper notification or consent can be a violation of privacy rights, as it involves disclosing sensitive information to third parties without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
In late XX/XX/2024 we received a package from XXXXXXXX XXXX a Texas-based sports retailer. In the box was a high end rifle scope ( XXXX ). We did not order this product nor have I ever heard of or purchased anything from XXXX XXXX. I immediately checked our credit card statement and found two separate charges from XXXXXXXX XXXX, one on XX/XX/XXXX for {$2300.00} and one on XX/XX/XXXX for {$2300.00}. Once I saw these charges I submitted a fraud claim to my credit card company, USAA Federal Savings Bank. I also reached out to XXXX XXXX to let them know that I had received merchandise from them that I did not order and expressed my willingness to return the item to them. XXXX sent me a voucher for shipping and I have proof of their receipt of the merchandise dated XX/XX/2024. Both of my initial fraud claims were denied by USAA. I appealed both decisions and on XX/XX/2024 one claim was again denied and one XX/XX/2024 one claim was affirmed. When I contacted USAA, the only information they gave me was that the merchant, XXXXXXXX XXXX claimed the transaction was valid and thus I would be charged in full. 

To recap, someone fraudulently charged 2 separate transactions to XXXX XXXX for high end rifle optics. One was sent to my house which I promptly returned to the merchant. USAA has denied one of my claims and has provided me with no recourse. How can I possibly prove that I didn't buy this item?

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 2024-08-04 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: NV

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the list accounts below of has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX XXXX Bank : Acct : XXXX XXXX XXXX XXXX Bank XXXX Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX  XXXX : Acct : XXXX XXXX. XXXX XXXX Bank Acct XXXX XXXX XXXX. XXXX XXXX Bank XXXX Acct : XXXX I have had a chance to review my Experian Credit Report on XXXX the XXXX 2024 and notice some discrepancies, and things that are incomplete and not accurate. And according to the fair credit reporting act 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 reports relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 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 incorrect 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Thank you sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My interest rate was recently increased to XXXX XXXX. This is despite my account being in good status. I attempted to contact Chase to request a lower rate and was advised that this was the lowest rate available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: WI

Complaint narrative:
Hi, Trans Union is constantly violating my rights & continues to report false info on my credit report that is against the law. VIOLATION of my rights. XXXX XXXX XXXX Section XXXX A States I have a right to privacy. Also U.S.CC XXXX A XXXX XXXX a consumer agency can not furnish an account/inquiry without my written instructions. I have no protection with Trans Union, I continue to be a victim of ID theft. I did all the necessary steps to show these are fraud inquires. & the companies never verified they pulled my credit report, the companies never got back to trans union nor me. & had 30 days & therefore these fraud inquires should be removed ASAP. I sent trans union a letter, with my ID & Social S. XXXX XXXX XXXXXXXX & they still ignore & say the inquires are validated, when they are not. These fraud inquires are hurting my credit & stopping me from getting the best rates when I buy a home in the near future. I also filed a complaint with the BBB against Trans union. I appreciate Trans Union honoring my requests of immediately removing these XXXX fraud inquires : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Ive asked these creditors to remove or correct the balances or amounts and dates and they have not responded

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive asked these creditors to remove or correct the balances or amounts and dates and they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX. I received a email saying thankyou for purchasing XXXX for XXXX from XXXX so got worried. I clicked on it and called XXXX but thought it was someone from XXXX instead it was a scammer. He convince me that it was other charges and that he there to help me cleared my account. We were on phone til the transaction was done and he clicked the phone. He convinced me to go down cvs at XXXX XXXX XXXX XXXX ny that where the ATM that can purchase the XXXX. It's XXXXXXXX XXXX XXXX ATM. Put my debit card in and type the code he gave me and typed in XXXX in automatic taken out. I thought that was XXXX of charges he supposed to help me cleared but it wasn't. He scam me out XXXX to purchased XXXX and so by time I got home, he was still on phone with me til I got home then phone clicked. Did try call back no answer so that's when I realized I got scam. So I checked my bank account my XXXX was still pending so I called my bank to get them stop or freezed my account. They told me they can't it's already went thru but yet the pending wasn't cleared til XXXX days later.so banker ask me if I want dispute this matter I said yes but they didn't bother wait for more information so they dispute XXXX day and said there weren't any errors and denied my dispute. While they were doing that they transferred the XXXX into my account til the disbute get done. I never have any information or papers from bank. Since they dispute XXXX day found no errors and said it was my fault cause I went down and use my debit to purchase the XXXX. Which it was fraudulent charges. I don't know anything about XXXX and if I do I wouldn't buy that much. But the bank didn't take care the fraudulent for me instead blaming me. Which I do not know where my money went. Never received the XXXX. I have the receipt. So since they found no errors on my dispute they reversed the XXXX back to the bank. Never done anything on the fraudulent charges. I tried contact the liberty x bitcoin can't seem get anyone. I heard that these people scam alot people to purchased XXXX and cleaned their account out which it happened to me. The bank is M & T. I spoke the supervisor they said it wasn't fraudulent and nothing they can do to help. No XXXX received. I even try to email the libertyx/ XXXX no response. Their email is XXXX their numbers XXXX. The sequence # XXXX card numbers XXXX account. Amount request XXXX. XXXX XXXX XXXX order number XXXX. Payment ID XXXX. XX/XX/XXXX at XXXX. Terminal XXXX I went back and forth with my bank. No resolves. The bank supposed to help their customers to resolve the fraudulent charges. I just don't know what else to do and how I can get my money back. Going police station next to put claim there. I hope there's something you can do to catch this scammers. It's a crime to scam people out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
The initial payments to be taken out for my credit line was XXXX twice a month. Now they are charging XXXX dollars a day in interest on top of what i owe and charging XXXX every two weeks to pay it back. My loan has almost double in s couple of months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Hello, XXXX XXXX I moved to Florida and changed my banking to XXXX. 

However, Citizens bank did not take me off of XXXX after I had closed all my Citizens accounts, XX/XX/XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX  ] sent me {$610.00} by XXXX, I thought would go to my XXXX account. However, even though I no longer had a Citizens account for quite a few months, I got a text from Citizens that I had {$610.00} in my closed account. 

After calling Citizens and waiting on the phone for about XXXX minutes, I talk to your CSR, explained the situation, he assured me that the funds would be returned to XXXX XXXX. 

XX/XX/XXXX claim number XXXX. 

Called again XX/XX/XXXX I was given another claim # XXXX. 

I was also given the XXXX transfer number XXXX. 

I was assured that XXXX XXXX would have his money back in 2-3 weeks.

Well, now here we are XX/XX/XXXX and the {$610.00} is still not been returned. 

I have included XXXX XXXX address with this email. Please follow up. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XX/XX/XXXX Citizens Collection, Here I go again, I have made at LEAST 10 phone calls to Citizens Bank. 
I moved to Florida in XXXX XXXX. Shortly after I closed my Citizens Bank and transferred all my money to my XXXX account. 
Shortly after I got an automatic deposit that went into my closed account. After numerous calls to XXXX, I was assured that it was closed and that was that I transferred the money to my XXXX account, I called Citizens bank and was reassured that it was all taken care of again and would not happen again. 
Then my friend sent me XXXX, letter enclosed, it did not go into my XXXX account but Citizens. Read the letter, what a mess, and still no money returned to him. 
One phone call to the support I was on hold for 1.5 hours. I spoke to a manager in the XXXX Branch and was assured the account was closed. After all that she said that she had done all she could do. And she did a good job. 
I finally was able to get XXXX off my closed Citizens account. 
Now, I get a letter dated XX/XX/XXXX saying I have over drawn a closed account!!! 
HOW CAN THIS BE!!!!! 
And youre going want to put this against my credit for YOUR incompetence. 
Come on PEOPLE!. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-04 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: AZ

Complaint narrative:
Ive asked these creditors to remove or correct the balances or amounts and dates and they have not responded

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