vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX BRIDGECREST IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. BRIDGECREST has claimed they will not honor my direction to cease reporting and have referred to there alleged lawful agreement giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions.

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 2023-06-29 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: NY

Complaint narrative:
FTC The incident took place on XX/XX/2023. I discovered that my wallet was stolen. Immediately afterwards, I became involved in identity theft. Here is a brief timeline of what took place. Attached please find supporting documents. 


XX/XX/2023 - reported missing wallet. 

Missing Items : ( XXXX cards ) XXXX Debit card, XXXX Credit card, Drivers license and XXXX - XXXX XXXX XXXX card, designer wallet. 

XX/XX/2023 XXXX XXXX XXXX  An UNAUTHORIZED Transaction was made in the amount of {$13.00} in XXXX XXXX ( See attached statement ). I called Chase and Chase credited my account for {$13.00}. 

XX/XX/2023 - Called Chase and reported the following to the FRAUD department. 

An UNAUTHORIZED wire transfer that I did not make for {$10000.00} An UNAUTHORIZED wire transfer that I did not make for {$2500.00} Chase CREDITED my account for {$10000.00} ( see XXXX. stmt. ) Chase did not RETURN {$2500.00} to my account as of today. 

XX/XX/2023 - I am working with XXXX XXXX XXXX to resolve these matters. 

Chase accused me of being the thief instead of supporting me as a victim. I have not recovered {$2500.00} to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Back in and around XXXX XXXX my account was error or frozen of currency that I only received around XXXX amount of it and I tried and fix the problems and I was inform there was a heck of glitch.

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2023, An inquiry made by TD Bank also known as TD Bank , N.A . solicited a credit report on me. I did not solicit any services from TD Bank in any recent years for their to be cause on the part of the Bank to make inquiries into my credit reporting history. I have filed a report with the credit reporting agency XXXX which is the only credit reporting agency currently displaying the inquiry on my report. I have crossed checked with the other credit reporting agencies such as XXXX, and XXXX. XXXX is currently processing my fraud dispute on this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NH

Complaint narrative:
I owe money on my credit card, however the bank blocked me from my online access, which is the only way I have to pay off my debt. So I obviously cant make payments if they have locked me out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX XXXX, an amount of {$950.00} was charged to the HomeDepot Consumer Credit card with a 0 % promotional period for 18 months until XX/XX/XXXX. 
Over the next months, minimum payments were made with some additional purchases without promotional offer. 
On the XX/XX/XXXX statement, the total balance grew to {$2200.00}, incl. {$1500.00} regular revolving balance and the remaining {$660.00} of the above promotional balance. So far no issues. 

On XX/XX/XXXX I made an online payment of {$1600.00} with the intent to pay off the regular revolving balance completely to avoid being charged monthly interest. However, instead of applying the payment to the balance with the highest interest, Citibank chose to first fully pay off the promotional balance of {$660.00} which still had about 10 months of the no interest promotion left to take advantage of and only the remainder to the regular revolving balance. 

Toward the end of XX/XX/XXXX I called Citibank customer service to correct this and request the desired allocation, i.e. complete pay off of the revolving balance. During the lengthy conversation the agent agreed that it should not have been applied the way it had been and promised a correction with the new and corrected balances, incl. crediting of any overpaid interest, within 1-2 billing cycles. 
By XX/XX/XXXX four billing cycles later - it still had not been corrected and unnecessary interest accumulated on the account. 

XXXX or XXXX. I called Citibank again, explaining the situation and it was promised it would get corrected, again in 1-2 billing cycles. 
It is now XX/XX/XXXX, again 4-5 billing cycles later, and it is still not corrected, continuing to accumulate interested charges that only benefit another seemingly money-hungry bank. 

At this point, I can only assume willful disregard of my rights. Incompetence is an option, and though it would not be surprising, I deem it unlikely. Technical capabilities should not be hurdle either, as direct competitor XXXX has no issue whatsoever with a very similar situation and is even able to confirm the change in writing. 

I believe no statements need to be attached as documentation, as Citibank will have all that information and more readily available for review.

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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX {$1000.00} in {$500.00} increments was wired from my account without my knowledge and authorization. I was called by Wells Fargo that same day to verify if it was me that made that transfer. I told them no it wasn't me and to attempt to stop it. I was then sent in a circle between going in the bank branch and calling the fraud department for 3-4 weeks for them to finally tell me that the bank the money was withdrew from wont return the funds. I was not credited or refunded the money.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was first notified on XX/XX/23 through XXXX emails that an account was opened with Chase and a credit card was approved in my name. I have never banked with Chase in the past. I attempted to file with the FTC and have not heard back. Now on XX/XX/23 I have received XXXX more emails from Chase that the mobile app and XXXX XXXX were approved for the digital wallet that I do not use and do not have an app for. It also verified the receipt of the card ending in XXXX. Again, I have never used Chase for banking and do not have a credit card through Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act : The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681. 

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 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-06-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Back in XXXX to XXXX of 2020 in the pandemic I applied for the unemployment and my pre-paid account was hacked and I could not use no more I didnt receive no money from my bank I did research and I seen that I could no find my available balance or nothing I still couldnt access the account I see there is a compensation of the {$59000.00} I didnt receive and I would like to have a refund or my compensation due to Bank of Americas mistake and fraud app

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 2023-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
There was a lock on my Apple Card on XX/XX/2023. After using support text with the product, I was informed, " I can see that the account is under review at this time. Occasionally we will put accounts under review for the safety and security of our users. While I can not give an exact time frame for when this review is complete, we will contact you as soon as possible with any updates or if we need additional information. '' Next day there was also a lock on my Apple savings account, which I was told was a system generated lock since the card was locked. 

On XX/XX/XXXX I had logged a complaint with a supervisor who told me it would take up to XXXX business days for a superior to get back to me with more information. 

Several attempts both by phone and text support were attempted with a XX/XX/2023 response : " Your account is currently under review. For security purposes we are not provided any information regarding your account review. Once the review has been completed, we will contact you back with further information. If we are unable to reach you, a voicemail with call back information will be left. '' Additionally, " I'm not given information as to why it happened, I do know that the turn around time is based on a case by case basis. '' Days later I was able to have Goldman Sachs unlocked the credit card by answering some simple questions, and was told that there a declined charge and they attempted to contact me even though I verified the charge was correct when notified via the Apple XXXX messaging. I was able now to use the card and since I was told by the savings account XXXX that they could not unlock the savings account until the review by the credit card product was completed, I asked to speak to them to proceed with the unlock. I was notified by the savings account XXXX that there was indeed still a review on my credit card product irrespective of the ability to now use the card without any lock. They informed me that they were not able to unlock the savings account due to that department 's continual review. 

From the aforementioned complained I filed on XX/XX/2023, today is XX/XX/2023 - XXXX business days later and no communication from Goldman Sachs regarding this matter. I was advised today to file another complaint to the same department which failed to return communication within their promised XXXX business days. I was told by a supervisor in the fraud department for the credit card product that that is the best which they can do to contact any superiors for escalation. 

Since XX/XX/2023 I am still unable to access funds in my savings account now for over 16 days - and with no recourse to rectify the situation. 

Any help would be greatly appreciated! 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: KS

Complaint narrative:
I have filed a claim because there has been fraudulent things being done on my consumer report by TransUnion, XXXX XXXX XXXX XXXX all three credit bureaus have been adding inquiries on my consumer report and collections that I do not authorize. No unauthorized user can BY LAW be falsely reporting things on my consumer report affecting my creditworthiness. I, the original Creditor do not owe any debt ; and the debt has also been disputed and sold to another 3rd party. I ask for any reporting agency and 3rd party to provide me documentation of an Original Contract signed by me & another party validating the alleged debt I Owe. A third party does not have an original contract with my signature used as an negotiable instrument Title 12 and by law if they do they would have to disclose this information stating I am the Creditor, & consumer funding the account with my signature as an Negotiable Instrument Which is another violation of these public institutions under U.S. code 15 USC 1611, 15 USC 1681 ( a ) ( 2 ).

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft please remove this fraud inquiry 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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
So on XX/XX/2022 at XXXX I got this message from XXXX XXXX of Closure of you deposit account ending in XXXX  due to a check that I deposit of my brother work check that I agree on him that I will deposit his check on my account also that was a Friday, so I also had a work check to deposit on my account so decide to deposit both of them. I didnt know that this could have an issue with my account, because algo my boyfriend use to deposit his work checks on my account and nothing never happens ( he use to do that because he had and account with his mom and it was kind a saving account ) so nothing never happens to my account and i dont know why I get the account close if hes my brother, there was his name on the check and everything. 
My mom use XXXX XXXX, so a couple months she goes to a XXXX XXXX bank to open an account for my sister and they told her that because I have this issue she cant open the account for my sister ( I XXXX had the account with my mom because we opened when I was a minor ). A been had to calls for reopening the account but I cant due to that. I ask a customer service person from XXXX XXXX if I cant solve this issue ( I want to reopen it ) of me and my brother can go together to solve this issue and she told me NO! 

I also had a problem with fraud on my chase bank account due to some checks that were fraudulent which I didnt deposit, also some claims as soon as I saw that activity on my account I call and told them that I didnt make this claims and this deposits, which they make me change everything from my account but it was still close, so days later or weeks I call to see if I can reopen the account and they told me yes and everything, it was pretty good until this fraudulent activity came again, even tho that I change everything. I ask them if they can see where this checks where from but they told me no, because I wanted to know if they can give me any information to see what place or phones or anything was getting access to my accounts. I make an appointment to reopen it for the 2nd time because they told me I can but when I go to my appointment they told me that I cant reopen it due to suspicious activity.

If theres any possibility that we can solve this issues with both of the accounts please let me know if I have to do anything, please let me know Im here to help and discuss about this at any moment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted the company XXXX today to advise them that a collection was placed on my credit profile without my knowledge as well as not having any knowledge of the collecting account or did I have any signed contracts with them to my knowledge. I was told to verify my information with them so I did and I was given more information on the reporting account along with balance and account open dates. the reporting account has a balance of XXXX dollars along with XXXX late payments. I was told that I should file another police report to send to them and verify again who I am that's presenting them with the police reports along with the identity theft already. to no avail I was rushed off the phone and told to call back and less busy times for better service. I also stated that my rights have been violated According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

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