vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used the option offered by XXXX XXXX XXXX XXXX and chase bank and others where the service offered is to split the original payment say XXXX in to up to XXXX payments and the new first payment and payment 's after that will be added to my minimum balance each month and as described to me by the customer service rep they have a day or XXXX to approve or deny and the new first payment will be posted on the new statement and the new first split payment will replace the original purchase price as to relieve credit usage and overall reduce my actual credit on the card making my limit go from say XXXX to minus XXXX and replacing it with XXXX i think or whatever making my credit usage at around XXXX instead of XXXX as would most reasonable people would believe, cause a. the financial institution still gets paid just overtime, the credit user lessens their credit usage raising their scores and lowering their usage rates and overall credit they have to use to purchase other thing 's for the financial institution to gain. XXXX employees didn't even know the service existed tried to tell me that the program which most credit card companies wasn't used by them until I proved otherwise by actually walking in and showing them. For me it's a deceptive practice and all I have to prove is that me a reasonable person could reasonably assume a service provided should be served a certain especially if the companies policy explaining their service or action is nowhere in plain sight, their employees aren't fully trained and knowledgeable about the service. The service is available for any credit card purchase over {$100.00} and you can split up to XXXX purchases at a time into XXXX payments and the financial institution has XXXX to approve or deny. The person at XXXX tried to tell me folks just do it cause they like adding extra money to their minimum payments every month instead of just paying the minimum balance as required which I've never heard that from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update personal information. See letter attached.

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 2023-01-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in disputing in all inaccurate information on my credit report with experian. please remove all invalid data that is hindering my file.

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 2023-01-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XX/XX/2022, our business checking account was debited about {$12000.00} and it was discovered to be a counterfeit check. We were told to come in to meet with XXXX XXXX at our bank, M & T ( assisant mgr? ) and sign an affidavit, which we did. We were told no police report would be filed. Of course, the theft of {$12000.00} is a felony, which was never reported because, to paraphrase, the police have bigger fish to fry. I was shocked by this. We closed the account and moved remaining balance to another account. In XXXX, I made an appt with the bank manager, XXXX XXXX, to find out what the status of the situation was. An effort was made to recover the stolen funds, of which only {$8800.00} was credited back to our account in late XXXX. We were told this was all that XXXX XXXX XXXX offered. This was the bank that cashed the counterfeit check. After a couple more months, I was notified in an email for XXXX XXXX that no additional money could be " recovered and sorry to the bearer of bad news. '' He also asked if I'd filed a police report. Along the way, I was offered fraud protection services, where I pay M & T so that I can do more work everyday to make sure that cashed checks are legit. I opted out. Felt like insult added to injury. I tried to set up alerts so that I would be notified of transactions over a set $ amount, but alerts are not available on my business checking account. When I asked why the remaining money couldn't recovered, I was told there was a window of 48 hours, a very tight time frame, in which M & T is able to return the suspected counterfeit checks for a full recovery. The discovery of this transaction was outside that timeframe. There is so much that happened and was said to me throughout this process that felt unprofessional, if not possibly against regulation or maybe criminal.

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 2023-01-30 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: NM

Complaint narrative:
Out of all the 3 credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced Fico score? I will enclose my XXXX XXXXXXXX XXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my 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 2023-01-30 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Out of all the XXXX credit reporting agencies XXXX has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced XXXX score? I will enclose my XXXX XXXX XXXXXXXX balance which is XXXX yet on your XXXX it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my 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 2023-01-30 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a couple personal accounts as well as a hand full of business accounts with Chase Bank. Because of the amount of funds in the combined accounts, I am not to have any bank fees. Chase was to link the accounts together to prevent this from happening. I have been having fees on some of my accounts and every time I go in there to address the situation, they refund the fees and say the accounts are now all linked together. This has been going on for a handful of years and I have went to Chase multiple times to address this situation. They stated that they have record of this. This last time I contacted Chase and made a big deal about the fees. The branch manager made a complaint with chase. I received a call from the complaint department. After going back and forth for a couple of weeks, they stated that the bank accounts are now linked so I will not be receiving he fees but they can not return the {$2800.00} in fees because the fees were noted on my bank statements and it was my responsibility to notify them in a timely manor. They have not shown to me what the time frame is to notify them for fees illegally taken from my account. Furthermore, I have notified them multiple time which they state they have record of. 

Because of Chases mistakes in linking the accounts togethers, they have been taking funds from my accounts without my permission ( about {$2800.00} ). Once they realized it was a mistake on their part, they addressed the linking issue then stated its my fault that they took my money. In a normal world, this would be considered theft as its a mistake on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 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: CA

Complaint narrative:
Install my identity and obtained my XXXX debit card without my permission I have notified Bank of America and has been over a year and they have not done nothing about it with the still pending case

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2023, I sent Transunion a letter demanding them to remove accounts from my consumer report Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. They didn't remove those accounts ; I also didn't give any written authorization to furnish any information on my consumer report. Transunion responded the items were verified, I never asked for a investigation I asked for the accounts to be 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 2023-01-30 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: EQUIFAX, INC.
State: SD

Complaint narrative:
my XXXX XXXX card was canceled and closed on XXXX, I've disputed this with all 3 credit reporting Bureaus and they will not fix this and are reporting a balance of over {$4000.00}, it was a secured credit card that never actually held a balance but now even after several disputes and calls they will not fix it, I've contacted the bank and they agree that it was closed, and I have a screenshot of the chat with the bank with them stating when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Personal information needs to be updated. See the file attached.

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 2023-01-30 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX They gave me a hard inquiry from some place in Arizona and I have called and talked to them and they said they have no auto loan account connected to my name or social and they cant get ahold of the place that ran my credit to find out how they were able to run my credit with out my knowledge and without me applying for anything. 
700CR/XXXX XXXX XXXX  Inquiry : XX/XX/2022 - Automotive ( XXXX ) XXXX The number I called the lady told me she cant help me and I cant talk to the owner I already filed a complaint. Not sure how they ran my credit but I didnt apply for anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a savings account with XXXX XXXX since XXXX or XXXX where I received interest increases or decreases, at the going market rate, automatically. This practice has continued up until now, but the rate I am receiving is below the market rate. In XXXX, I was receiving .5 % a month. In XXXX it was decreased to .3 %, far below XXXX XXXX offered rate of 3.30 %. I called their customer service department to question this and was told that my account was an " old product '' and we would have to move the money into the new product in which the market rate was offered. 
I asked why they would lower the rate to fit the market conditions when they went down with the " old product '', but they wouldn't raise them. They had no real answer for that. 
I asked if they had sent me any information regarding this and, the said they didn't. 
To me, this is very deceptive practices and a breach of trust on XXXXXXXX XXXX part by forcing me to move my money into other of their products to gain the market rate. If they were able to it prior to the current rate, they should be able to do it now without establishing a new account. All they are doing is making money off of my account because of the low yield rate. How many other individuals are in this position and don't know it. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
About 3 months ago Bank of America notified us of fraudulent activity and we found that about XXXX was lost. At their direction we closed that checking account and opened a new one recreating in the next few weeks the entire set of autopayed bills. They told us the fraud included a forged signature that was taken to a window and they were attempting to find out how it had gotten through their system. They also told us the missing funds were taken in 2 or 3 transactions. We've called in several times in these 3 months and were repeatedly told they were continuing the research, assuring us the funds would be returned in the 90 day period. About one day short of this 90 days we got an email with a link that didn't work and an attachment that didn't open. The phone number was answered by a smooth talker who wouldn't explain why the link & attachment didn't work, and who also wouldn't tell us details of the letter except that the claim was denied because " we had gotten some benefit of the funds ''. When I asked what she meant about getting a benefit from losing , she said she would resubmit the claim, thereby adding another 60 days to the process. This makes me wonder if the bank 's goal was only to draw this out to a maximum amount. This money represents savings of a XXXX XXXX XXXX XXXX. I'm her son and executor. We are both on the 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 2023-01-30 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: IA

Complaint narrative:
Submitted a letter to Transunion in XX/XX/2022, stating that : XXXX XXXX XXXX is reporting untrue information on my credit report. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations. 

I got Investigations Results that did not address or fix the issue that I sent to them. 

I called them on XXXX and spoke to XXXX then XXXX XXXX who hung up on me once I told him what happened. I called back and spoke to XXXX who told me If I dont agree then I can do a complaint.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On Friday XX/XX/XXXX I received a letter stating that I was declined for a credit card because I have an overdrawn checking account with Chase Bank. 
I am a signer on a COLLEGE Checking account with my daughter. I immediately called to find out how much overdrawn she was. I was informed that the checking account is {$48000.00} overdrawn. After further investigation I was told that there were several withdrawals ( in person ) and large wire transers. I immediately filed a claim. These transactions were made in XXXX and would have shown on a XXXX statement if I had received XXXX. I am still within the 60 day time frame to dispute activity on the account. I was told that my daughter needed to sign and return a letter that Chase was mailing to her immediately to move the claim forward. On Thursday XX/XX/XXXX I called to find out where the letter was. After XXXX hours on the phone, back and forth with various Chase reps I was informed that the claim was denied on the same day I filed it and that it was past the time frame. I was also told that a device registered to the bank account was accessing the account and making large deposits and withdrawals to the tune of {$310000.00} in a college account, without notifying me, the parent on the account. We have notified the police department, and the fbi about the fraudulent activity but Chase bank has not allowed us to properly file the claim within the allotted time frame. 
Someone needs to determine why Chase refuses to allow, by law, us to file the claim and perform an investigation. How were two in person withdrawals for large amounts ( {$10000.00} and XXXX ) handed over to someone without i.d .? How were hundreds of thousands of dollars wired without anyone being notified? The device accessing the account was a stolen phone that is blacklisted and not being used by my daughter. Chase bank refuses to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I applied for a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Loan XXXX XXXX XXXX and they didn't approve me. The treatment and customer service made me feel I was not a priority client. I decided to go to another bank and the property had already been appraised and logged on the FHA PortaXXXX. I paid initially XXXX dollars for said appraisal and now they will not release the appraisal to my new lender unless I paid them an additional XXXX. In order to not lose my home purchase, I sent them the additional payment in the way they specifically requested this time, a money order, when they had accepted my debit card before but wouldn't now, it had to be a money order and they still will not release the report. The Loan Originator will not answer my calls and the rest of the team communicating with new lender to facilitate transfer of FHA case REFUSES to send them the appraisal report logged on the property as well. The seller is threatening to cancel purchase at this point and I could lose my deposit because of these people 's irresponsible, unfair and illegal behavior since I was informed that if my loan didn't close with them they do not have the right to collect additional fees. I need the appraisal report I paid for at the very beginning to close my loan which is approved elsewhere and they will not give me access to it. This is unbelievable. I feel I have been taken advantage of and will end up losing the opportunity to get a home for my family. Help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I called to do a balance transfer with Wells Fargo. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$1500.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$10000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another Wells Fargo account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$10000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$1500.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws.

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