vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hello, I have a account I pay for with Transunion for credit monitoring. I also have a free account with Transunion. This morning when I logged into my computer I was told that my password was compromised to Transunion. So I logged into my credit monitoring Transunion account and tried to change my password. The online account had an error message stating that they were unable to change my password. So I called customer support and they said they reset my password. when I tried to use the new log in, it did not work. I called back 5 times. each time they said they reset password and it did not work. By this time I was locked out of both accounts. They said they would have technical call me back in 2 hours. They never called back, and now they say it will be 24 hours. I am completely locked out now of my credit monitoring and my free account with Transunion and it is XXXX pm and 7 calls later. and my account is now " suspended ''. Ridiculous poor incompetent customer service.

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 2022-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been making my payments on time for the entirety of my loan so far. I recently fell into a financial hardship due to the on going pandemic. I contacted my Loan provider Capital One today ( XX/XX/22 ) and requested an extension on this month payment ( XXXX ). I was then told I did not qualify to have the payment extension. No explanation was given. Capital one website states they are here to help customers who are in an hardship, but yet I was not accept. Now I will have to lose my car since they are unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX900000521746399, DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXXXXXX DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, In accordance with the Fair Credit Reporting act XXXX. Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase bank checking account since XX/XX/XXXX. I made a deposit on XX/XX/XXXX at the Chase bank branch in XXXX XXXX, CA. 

The deposit total was {$1200.00}. The payment was made with 3 money orders in the amounts of {$500.00}, {$500.00} and {$210.00} respectively. 

I received a receipt from the bank deposit in the amount of {$1200.00}. 

On XX/XX/XXXX I see an adjustment to my account made by Chase debiting my account in the amount of {$290.00}. The reason noted was unintelligible stating that this was an adjustment to a deposit made for {$500.00} on XX/XX/XXXX. Chase never sent a letter nor email of explanation. 

i called Chase bank at their toll free number of XXXX i asked what the adjustment was regarding and after being placed on hold many times, I was told they did not know and to visit a Chase bank branch. 

i was transferred to a " manager '' who had a bit more information ; they stated the money orders were entered incorrectly and this adjustment was made. They directed me to the digital images of the money orders they provide online, the money order amounts were illegible. The " manager '' stated that they too could not see the money order amounts, but assured me that the amounts were {$500.00} {$210.00} and {$210.00} and not the actual values of {$500.00} {$500.00} {$210.00}. The informed me they could not see the totals and the only was to show proof of the money order amounts was to show the receipt. 

It was very difficult to find the copies but I did. I walked into the brand and showed the money order copies as well as the deposit receipt. They accept the error was made and promised an adjustment, which as the date of this filing they have not credited the {$290.00} to my account. 

I contacted them again today for the status of the credit and they said I provided the wrong copies, yet they still can not see the digital copies of the money orders they accepted. 

i am confident the copies will stand in court if that becomes necessary my greater concern is how they make digital copies of checks and money orders they make available to customers. Apparently, even the bank relies on these images and when images are not scanned properly, they rely only on guessing and shift the blame to the customer when an error occurs. 

Chase bank has shifted to an app-based or web-based bank. Bank branches do exist but the employees and managers of said branches rely on the same source for information as does the customer. So when a check, or in this case money order is scanned, if it's illegible they shift the responsibility to the customer to show proof if an error occurs and completely disregard the deposit receipt provided by the bank at the time of deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, -XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX XXXX  Acoount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-19 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : XXXX : XX/XX/1971 XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}

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 2022-07-19 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:
In regards to account XXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

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 2022-07-19 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: NJ

Complaint narrative:
In regards to account XXXX XXXX XXXXXXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
My XXXX XXXX XXXX was through XXXX XXXX 
XXXX XXXX announced Barclays was taking over their accounts. 
I made a payment XX/XX/22 of {$5400.00} online via my bank to XXXX XXXX- this happened to be the same time Barclays was taking over the accounts. 
The payment is shown on my Barclays account. 
However, the next item on my account is a weird % symbol - and it shows the payment being reversed. 
Barclays claims they refunded the money. They did not. 
I have called Barclays 3 times and submitted fraudulent reports online - as this is {$5400.00} they claim to have refunded but has now disappeared. 
I had Barclays on the phone with my bank at the same time and my bank confirmed the money was not refunded.

Barclays has advised 2 times they were issuing a " case, '' upon my third call where they finally allowed me to speak with a supervisor- they said a case was not issued on the first two occasions but now they are going to issue a " case '' again. It will now take 30 days more to hear from the " case '' if it was even issued this time around. 
In the meantime, they have sent me a statement charging me the interest on the full balance- which should be {$5400.00} less as they have my {$5400.00} but refuse to credit my account for it.

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 2022-07-18 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: NJ

Complaint narrative:
In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

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 2022-07-18 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, -XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX XXXX  Acoount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Im writing this letter as I would formally like to appeal Bank of Americas decision on Claim ID : XXXX. 

On XX/XX/2022, four unauthorized ATM withdrawals were performed at XXXX XXXX  in XXXX XXXX from my Personal Checking Account ending in XXXX. Details on the four unauthorized charges are noted below : {$500.00} - # XXXX {$300.00} - # XXXX {$100.00} - # XXXX {$53.00} - # XXXX I noticed the unauthorized transactions that same day and called Bank of America to open the claim. I made it clear that I always had the card in my possession and shared with the agent that I was traveling in XXXX XXXX, California at the time. The investigation was opened and on XX/XX/2022, I received notice that my claim had been denied as the bank had found the charge was authorized by me or someone that has permission to use my card or account which is false. I submitted an appeal letter noting that I was in XXXX XXXX, California at the time the unauthorized transactions happened, making it impossible for these transactions to have been done by myself. There is no one else other than myself authorized to use my account. I included the following in my letter Air travel confirmation XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - Ticket # XXXX Friday XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Ticket # XXXX Hotel invoice - XXXX XXXX XXXX XXXX, CA- XX/XX/XXXX XXXX XXXX XXXX  Credit Card Statement noting transactions between XX/XX/XXXX and XXXX in XXXX XXXX XXXX CA I never received a response to this letter appeal letter even-though I requested a copy of the documentation used to make this decision and request that the case be reopened and further investigated as these transactions were unauthorized and I should not be made responsible. 

I called the bank a number of weeks after and they noted that no further actions would be taken on their side as they stood by their decision to deny my claim, stating the a card with a chip was used for the transactions. To this date they have not taken responsibility for this fraudulent activity on my account and are making me responsible. They still have not provided any proof ( i.e. pictures taken by the ATM at the moment of the transaction ) to support their position. 

If any additional information is needed please feel free to reach out.

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 2022-07-18 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: PA

Complaint narrative:
To whom It may concern : This is a formal complaint that Transunion is reporting inaccurate credit information. 
I am very upset that Transunion have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongly denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on the reporting creditors " Transunion '' part and I am formally requesting an investigation into these items XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXXXXXX : Account appeared XX/XX/XXXX None of these accounts was giving my content and linked to an old address. I have sent Transunion my updated address months ago still no actions been taken to this matter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In XXXX of 2021 I applied for and received a XXXX XXXX XXXX XXXX XXXX from Barclays Bank with an introductory offer of XXXX points for first {$1000.00} spent in first 90 and an additional XXXX points for a second {$1000.00} spent in a second 90 days. I have never received any of these points nor any points for any purchases ever on this card. I have contacted both Barclays Bank and XXXX XXXX XXXX XXXX ( several times each ) about these missing points only to be told by both Companies that it is the other Companies fault and to get in touch with them. Customer Service for both Companies is absolutely useless. XXXX XXXX tells me that Barclays Bank never requested that my XXXX XXXX XXXX XXXX XXXX be attached to my rewards program with them, so Barclays Bank has me with ( as of today ) XXXX rewards program points and XXXX XXXX has me with XXXX points. All I want is for my CC to be in sink with earning the points that I am entitled to and as of today I am still earning NO REWARDS POINTS with this CC..PLEASE HELP ME 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