vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
I am writing to formally bring to your attention a concern regarding my inability to dispute an account, in violation of the provisions set forth under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( C ).

Despite my attempts to address and dispute the accuracy of this debt, I have not been provided with the necessary information or opportunity to dispute this account effectively, as mandated by the aforementioned regulation. 

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( C ), debt collectors are required to inform consumers of their right to dispute the validity of a debt within 30 days of receiving the validation notice. However, in my case, I was not provided with a clear and unequivocal notice of my right to dispute the debt. As a result, I have been deprived of my statutory right to challenge the accuracy of the information being reported against me. 

The failure to adhere to this regulation has caused me significant distress and confusion. Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure compliance with federal regulations. Furthermore, I would appreciate guidance on the steps I can take to rectify this situation and ensure that my rights are protected moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Today I spoke with XXXX XXXX XXXX Wells Fargo. I asked him about how my account was accessed. The scammers had my debit card info, phone number, and what bank I used. They were also able to enroll me in XXXX twice through access to my mobile app. I checked the daily limit of wire transfer through XXXX. He then said it wasnt through XXXX now. He said it was just a Wells Fargo wire transfer. I checked the daily limit of wire transfers through Wells Fargo. The limit is {$5000.00} or you have to go into a branch. The scammers were able to complete a transfer for $ XXXXfrom my mobile account to a total stranger. Why was this allowed and not stopped? Also I have XXXX letters accusing me of authorizing the transfer. XXXX stating the transfer occurred on XX/XX/year> and the second stating the transfer occurred on XX/XX/year>. I feel my account has been hacked or compromised and they are shuffling me around to make me go away. I do not feel they were able to do a proper investigation in XXXX hours or less.

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 2024-05-31 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I do not have a XXXX XXXX account. I paid my first credit card statement via a global money transfer. My second payment I attempted to do the same thing. I sent that XX/XX/XXXX and informed AMEX of the send. They said it would take 5-7 business days to show. On XX/XX/XXXX payment had not been applied and I had to recall it. I then contacted AMEX and was told as of XX/XX/XXXX they no longer accepted global wire transfers as payment. I was told to reach out to a friend or family member with a XXXX XXXX account and have them pay. This felt odd but I wanted to pay the bill. My daughter has a XXXX XXXX account but her bank wouldnt add AMEX as a payee because her name is not on the account. I contacted AMEX again and they told me to link her bank account with my AMEX account. I was deeply uncomfortable with this but was told they could do it so I could make a payment. I only paid the minimum amount because this just felt wrong. I even asked AMEX if this was really the only way and legal. AMEX manually entered my daughters banking information to my account and accepted payment. 
I have more money owing but am very concerned as to how to pay this. This situation has red flags all over it. I got back on with AMEX chat to figure out how I am going to pay the balance since I can no longer make a payment via my account. They said my daughter can pay but then she has to provide all her banking info again and she doesnt even have an account and is not on my account. I am just trying to pay this bill. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited my son check into my bank acct for XXXX it was his state income tax check after I deposit the check the bank closed my acct the next day and told me it was closed because I haven't used my account in a few months and told me the check was rejected and I can cash the check somewhere else when trying to cash the check at another bank the check was rejected so me and my son got on the phone with the issuers of the check which is the Illinois state comptroller who issues these state refunds and was told the check cleared at chase bank on XX/XX/XXXX th XXXX  and they can't issue a new check because chase has the funds now chase is saying they don't have the funds and when I spoke to a supervisor with chase she told me the account was closed because it was suspected fraud so I went into the bank to tell them it was my son check and it wasn't any fraud and the comptroller who is the issuers of the check send me a email showing the check was cashed and cleared by Chase bank I just need to give my son his money we are already having a hard time financially and he needs his money my son name is XXXX XXXX he signed the check over to me my name is XXXX XXXX the check number is XXXX issue date XX/XX/year> they should not be able to just take Someone hard earned money Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures should be put into play might not be a lot of money to them but it's a lot to us my phone number is XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> a fraudster established a new XXXX XXXX XXXX Account with XXXX XXXX without my knowledge. All my credit reports have always been perpetually frozen and I only unfreeze when I intend to establish new accounts. I am already a customer of XXXX using their credit cards so they have my correct phone number, address, etc. Somehow without requiring any ID or contacting me for verification they allowed someone to open an account in my name. Furthermore, this individual transferred {$4500.00} of funds into this XXXX account from a Chase account I own that they had managed to compromise - they did an ACH transfer out of my Chase and into this XXXX account. From the Chase perspective, my claim for this fraudulent transfer was denied despite the fact that I had been working with Chase Fraud team about this person 's activities trying to compromise my account for 3 days prior to this ACH transfer - Chase deems it legitimate only because XXXX confirmed to them the name on receiving account is mine ( even though the address XXXX shared with me for the account is not XXXX I've ever been associated with ). Chase is not helping me recover my {$4500.00}, and XXXX will not release the {$4500.00} to me until Chase contacts them to request so. I'm stuck between the XXXX companies pointing fingers at each other. XXXX failed on multiple fronts here : XXXX. Allowing establishing of this XXXX savings account without proper authorization/identification and with an address that doesn't belong to me XXXX. Allowing the linking of an external bank account without doing any kind of PLAID verification or micro-deposits, which may have prevented the account linking. The only thing XXXX offered me is they would send me a letter via snail mail to send to Chase requesting they reopen my fraud claim and asking Chase to send XXXX a letter releasing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: USCB Corporation
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> an inaccurate late payment was placed on my credit report. My payment is due monthly on the XXXX of each month and when I made XXXX 's payment on XX/XX/year> they said I was XXXX days late. This was not XXXX days late only XXXX days late. I called some of my other Credit Report companies to ask them how that work, and they said if you make a payment on the XXXX of each month then your next payment is not due till the XXXX of the next month. Then they all stated your late starts the day after the due date which would have been XX/XX/XXXX. That wasn't 30 days but I tried to discuss the situation with Comenity Bank, but they didn't care, didn't want to listen to me nor to try to resolve this issue. You can not talk to the exact people who handle the credit disputes, and you have to mail paperwork and they said just dispute it. Comenity is a terrible company and I'm already on a hardship for XXXX months and they know it but don't even appreciate that I'm keeping the bills paid on time due to me losing my paycheck. Never in my life have I been XXXX days late on anything and I will never let that happen. I want this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
Unauthorized Hard Credit Inquiry Removal Request I formally request the immediate removal of unauthorized hard credit inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 After carefully reviewing my credit report, I noticed XXXX hard inquiries that I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXX Date of Inquiry-XXXX XXXX XXXX Date of Inquiry- XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry- XX/XX/year> These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I request that these inquiries be removed from my credit report immediately. 

Please take this as a formal notice that you have XXXX days from receipt of this notice to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter,

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I paid off a balance transfer for XXXX from my personal account. I neglected to cancel the auto-pay associated with the transfer because I was paying off the balance in full. However, Bank of America extracted the auto payment of {$600.00} on XX/XX/year> as scheduled even though the balance was XXXX. I called the bank and closed the account to stop the auto payments from occurring because all of a sudden, I was no longer able to log in to my account to do this myself?! On XX/XX/year>, I received an email from Bank of America that stated, " Your scheduled auto-pay is set for XX/XX/year> ''! 
The account is closed and was closed before XX/XX/XXXX. I am still not able to log-in to cancel the auto-pay feature which has informed me of another extraction on a XXXX balance on a closed account. 
This is 100 % White collar theft. 
I have called the phone number on the back of my card ( XXXX ) XXXX XXXX times now and have spoken to four people about this situation. I am waiting for a refund check for {$600.00} and my last 2 statements to come in the mail. I was told the auto-pay was cancelled and not to worry, until 2 days later when I received the email of the upcoming XX/XX/XXXX extraction. I am still unable to log-in to my account and it's clear to me that B of A has no integrity whatsoever

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 2024-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had money sent to my via XXXX to an account with a positive balance. I sent that money over to my savings account and the next day ( XX/XX/XXXX ) my money was gone. I was told it was an error triggered by the system and that I would receive the money back into my checking account, which I recorded the conversation and confirmation of this just to be told the next day that everything is valid and that my money is gone because of negative account balance that was less than the amount I was sent via XXXX. My account balance was not negative and even if it was, there would still be a difference that I am owed which they refuse to acknowledge. Chase bank have done this to me before and I have evidence of them stating Id get my money back just to be told its gone the next day. Ive researched online and many people have had the same experience as me and its unacceptable. The least that can be done is to get my money back so I can close my account and bank elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Money was debited from my account by a scammer through XXXX XXXX on XX/XX/XXXX. My debit card is linked to XXXX XXXX so the person was able to charge {$400.00} to my bank card. XXXX XXXX denied my claim because it looks as if I sent someone money, when in fact someone else accessed my account, changed all my two-factor authentication information ( phone numbers & email ) so I wont get any notifications while they sent the money to themselves. Since XXXX XXXX XXXX wasnt too helpful I contacted my bank Navy Federal. Navy Federal immediately sent the credit to my account, and eventually reversed it due to a SO CALLED investigation. I requested an appeal And I have been waiting for this appeal since XX/XX/XXXX. I already provided Navy Federal with screenshots showing that my XXXX factor authentication information was changed and then money was sent out to a unknown individual, but I am somehow still waiting for this investigation and my account has been negative ever since. Navy Federal continues to call me letting me know that my account will be closed if I dont clear the negative balance that isnt even my fault to begin with. I contacted them today by secure message and it seems as if the Appeal has been denied once again. HOW IS THIS LEGAL???? I filed a police report as well CASE # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Have had Citi Master Card since XXXX, now called XXXX XXXX XXXX. 
Minimum payment due on XX/XX/XXXX was {$49.00}. Cardholder ( me ) paid {$200.00} on XX/XX/XXXX. I had XXXX starting XX/XX/XXXX so I was quite ill, but I know the pandemic is now over. On XX/XX/XXXX, Citi Bank charged me a {$41.00} late fee. They have been inflexible on a prior late fee, so I know they are inflexible on this fee. Need CFPB to continue pushing for laws that limit ridiculous, egregious late fees and/or base late fee on number of days late, ie. being late one day is a minimal fee, being late 10 days is a higher fee, etc.

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 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I attended a for-profit school that has been in legal issues nationwide, and I would like to complete the application for school misconduct ; however, when I emailed to request the application, I was told that my loan type is a refinance and does not qualify.

Company response to consumer: Closed with explanation