vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : -.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This pathetic company is allowing charges to be made to my card even when I have it frozen. They have also taken {$170.00} from my account with no explanation as to where it went. I want my XXXX money back in my account immediately and an explanation to the charges and the missing money IMMEDIATELY before I stop using this pathetic XXXX institution all together you XXXX imbeciles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Dave Operating, LLC
State: GA

Complaint narrative:
I sent XXXX through cash app to my bank account Dave. It was suppose to be an instant deposit. It never made it.. I waited and waited no money. I called my bank they said it didnt clear they sent it back to cash app claims it made it to my bank in which it didnt I did this for a week Same response every time.. my bank and cash app sent me receipts of the transactions but my money is lost and they wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Receiving this money would be life changing. I'm looking forward to hearing back from you. Thank you!

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: OR

Complaint narrative:
On XXXX my paycheck was deposited into my Albert bank account for {$3300.00}. On XX/XX/2023, in the morning, there was {$1000.00} in my account with {$20.00} in my savings. So {$1000.00} in my cash account. When I went to look again, there was - {$170.00} in my cash account and no record on how it was taken from my account. There are no transaction records for the money being taken. I have tried to reach out to Albert to get my money back and they kept giving me the run-around and were not helpful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the payment history on my credit report regarding my XXXXXXXX XXXX  credit card account ( account number : XXXX ). The payment history on my credit report shows a late payment in XX/XX/2020, however, I believe this information is inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report and request an investigation. The FCRA requires all credit reporting agencies to ensure that the information they report is accurate, complete, and up to date. 

I have reviewed my records and can confirm that I made all payments on time, including the payment due in XX/XX/2020. I request that you update my payment history to reflect that my payments were made on time and my account is current for XX/XX/2020. 

I understand the importance of accurate credit reporting, and I request that you investigate this matter as soon as possible. I will need you to send me proof of the documentation stating that I was indeed late or delete this inaccurate information. Once the investigation is complete, I request that you provide me with a revised credit report. 

Thank you for your attention to 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 2023-03-31 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX plane tickets at the CapitalOneTravel website with 3 upgraded seats in row 19 on XXXX XXXX, I was charged for the XXXX tickets plus {$220.00} for upgraded seats in row 19. 

When I checked my airline booking unfortunately the seat purchase did not go through and instead I was assigned free seats ( while my upgraded seats had selected were still available ). I then used the same card to purchase the seats again separately. 

On XX/XX/XXXX I called customer service to get a refund on the original seat selection I was charged for but never received. I spoke with XXXX XXXX ID XXXX, who after putting me on hold and checking told me the transaction had already posted and there was nothing she could do. 

I then asked to speak to her supervisor and after another 5-10 minutes she came back and told me her supervisor couldn't talk to me either because she couldn't help me. 

I have now been double charged a total of {$440.00} and need to be refunded the original {$220.00} I was charged on XX/XX/XXXX since I never received the upgraded seats I paid for. 

I have attached the receipt sent by capital one showing the {$220.00} they charged me for the upgraded seats and the XXXX XXXX seat assignment image showing I was not assigned the seats in Row 19 that I paid extra for but instead received a seat assignment of free seats in Row 13.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 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: IN

Complaint narrative:
There Are Inquires On My Reports That I Did Not Authorized, Plz Delete All Inquires On My Report. My Information Was Compromised Online. I Would Like These Removed!

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 2023-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My daughter who now oversees and manages my finances made me aware that the loan for my home has been the sane for the last 17 years or so. Looks like I was not properly informed of the product chosen. I have been in an adjustable interest only loan. Washington Mutual was my original mortgage broker. I requested a refinance and was conned into this interest only loan. It has been a very long time so I do have a specific memory of what happened. This type of loan should be against the law. I believe at the time there was a market crash and I was looking to refinance. My daughter feels I was taken advantage off. She feels this is senior abuse. When I tried speaking with the bank, they said there was nothing they can do. I am retired on a fixed income and do not wish to continue throwing my retirement away. This loan serves me no purpose. I am looking to have the monies paid out applied to a traditional mortgage. I have paid my mortgage off just about and have nothing to show for it. The banks are not being very fair these days and are taking advantage of people at their weakest times. I am XXXX XXXX XXXX and have enough sense to know this is wrong. The bank wasn't willing to assist me at all with this issue. The employees at Chase were just as shocked as I am. According to the contract, this was only supposed to be for 5 years to start. It was supposed to be looked into. It's been 17 years of me just giving my retirement away. I don't even have a home to leave to my survivors. It's really a shame and a bad deal. My payments have doubled in the last few years. I'm looking for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing to express my dissatisfaction with the service I received on XX/XX/2023, when I deposited four money orders totaling {$790.00} into my account at the ATM. The following day, XX/XX/2023, my account was locked without any prior notice or explanation. 

Before making the deposit, I had asked a customer service representative inside the bank to update my pin number. At no point during this interaction did I present any money orders to the representative. However, the representative began to ask me personal questions about my employment status, which I found strange and unnecessary. I informed the representative that I am a driver for XXXX XXXX, but declined to provide any further personal information. 

After updating my pin, I proceeded to make the deposit at the ATM. The next day, I discovered that my online banking and access to my account had been blocked. When I contacted customer service, I was informed that there was a hold on the deposits, which is understandable for money orders or checks. 

I visited the branch on XX/XX/2023, to inquire about the issue. The teller informed me that the bank was conducting an investigation on the money orders and requested the ATM receipt. As I did not have the receipt on hand, she took down my information and promised to update me later. 

On XX/XX/2023, I received a call from a lady named XXXX from the fraud/crime department. She demanded that I provide receipts for all the money orders, even those that had already cleared prior to these ATM deposits, and accused me of lying about my business. I explained that the money orders were from my consulting business, but she claimed that conducting business in a personal account was not allowed. 

Furthermore, she accused me of giving inconsistent information to the bank and threatened me when I tried to defend myself. I strongly believe that I am being unfairly profiled and accused of a crime by M & T Bank and its staff. 

I request that the bank conduct a fair and unbiased investigation into this matter and provide me with a prompt resolution. I also request that the bank provide me with the money order numbers for the mobile deposit money orders as soon as possible. In total I belive M & T bank is holding {$2300.00} which has caused me hardship. 

Thank you for your attention to 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 2023-03-31 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My previous CFPB and XXXX  complaints about my card being blocked from Apple Pay were responded to by US Bank with a phone number for XXXX XXXX XXXX XXXX. 

I called the number to finally get my card added and was told my entire account is under review and it had nothing to do with the XXXX XXXX situation. When the representative couldnt provide any more details about what this means, I was transferred to manager XXXX ( XXXX ID # XXXX ) who was immediately combative on the phone, overtalking me and not attempting to assist at all. Right after I got off the phone with XXXX, my debit card was suspended and removed from my US Bank app completely. 

Im continuously dealing with issues when attempting to do normal, simple things like using my US Bank debit card or adding it to XXXX XXXX. When I call customer service to get it resolved, the representatives never know whats going on and I always get to a very rude supervisor who attempts to argue with me and proceeds to suspend my debit card. 

This is the second time this exact situation is happening - supervisor XXXX suspended my debit card the same way as reported in my previous complaint when I couldnt use my debit card. 

After hours more of phone calls and waiting on hold to get to different departments, Im still being told that a specialist needs to call me directly with absolutely no additional details provided. I have no idea when this block was placed or why, how long it will take for a specialist to contact me ( Ive never had a request like this actually fulfilled by US bank ), and what wouldve happened if I put money in my account or attempted to use it for something important. 

Dealing with this bank has been a headache from the start, I can barely make a transaction and Im constantly on the phone trying to resolve problems I wouldnt have at a more established bank. Overall a joke of an experience with very very low-grade supervisors answering customer calls.

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 2023-04-01 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
Recently I have noticed I am facing a considerable identity thief attack and it is getting worse day by day. The situation reached its point when I cant leave the problem by its own flow and disregard it. My main reason for appealing to you is cooperation with me to cease the muddy business of frauds, because not only is my credit history at risk, but also lenders would be involved. Losing creditors ' trust is the least thing I wish for myself. Fortunately, they couldnt obtain a credit line yet, however their impact was made and I can see their consequence on my credit report as their inquiries. 

Please remove the following fraudulent inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed XXXX XXXX bankruptcy. At that time I was issued an automatic stay by the bankruptcy court. on XX/XX/XXXX Self, INC closed my credit card with them. However on XX/XX/XXXX Self, INC added {$2.00} in interest to the balance. I spoke with a representative via phone on XX/XX/XXXX regarding this as was told that they had recieved the bankruptcy notice and the account would be updated accordingly. Then on XX/XX/XXXX the company added {$15.00} in late fees to the account. I sent noticed via there chat messaging feature as was given case # XXXX and recieved the email stating that they still have to report my payment history to the credit bureaus and as referred back to my bankruptcy attorney. I have told Self, INC that I filed pro se and this account falls under the automatic stay of the chapter XXXX. I Then was charged another {$15.00} on XX/XX/XXXX. The XXXX XXXX was discharged including Self, INC on XX/XX/XXXX, yet Self inc is still charging lates fees and have NOT properly zeroed out this account per the XXXX XXXX. On XX/XX/XXXX I recieved basically a dupiclate email ( case # XXXX ) from the exact same rep stating the exact same thing. Both emails are attached below.

Company response to consumer: Closed with monetary relief