vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase advertises 0 % liability for fraudulent transactions made on credit cards yet when I reported fraud charges they are holding me liable for the purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The account has been closed since 2014 and they keep updating it to push the date they closed it later and later to keep it on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Pnc banking the statement XXXX amount for XX/XX/2023 I made a payment on the XX/XX/2023 XX/XX/2023 they charged me a late on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In multiple instances, I have attempted to use this card for dinners or for appliances, etc., and the card will trigger fraud alerts. In each instance, the amount of time taken to resolve ends up being excessive to the extent that today I spent almost an hour on the phone with support with this company and was offered XXXX dollars for my time as a " courtesy ''.

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 2023-02-03 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 received a copy of my credit report in XXXX of XXXX. I began my disputes since XX/XX/XXXX. I have sent several FTC letters to this company along with a police report complaint # indicating that my identity had been compromised & that they were reporting fraudulent accounts on my report, affecting my credit worthiness and negatively impacting my life. Along with these reports I have provided written letters to this company several times to which I have the tracking numbers too, letting them know of ALL of the many consumer laws they were breaking. They have ignored my concerns and continue to lie over the phone stating that they haven't received any of my letters. Prior to this another supervisor told me my documents were received but not validated. When asked to explain how legal documents were not validated, he suggested sending them again, costing me extra funds. Below I have attached the letters sent to this company time and time again. This is a privately owned company acting outside the laws. I HAVE SPOKEN TO XXXX AT XXXX ON XX/XX/XXXX AND I HAVE RECORD OF SPEAKING TO XXXX XXXX AT TRANSUNION WHO CLAIMS TO BE A SUPERVISOR ON XXXX XXXX. 


HERE ARE SOME OF THE SEVERAL LAWS THEY HAVE BROKEN : According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of theconsumer ; ( XXXX ) a copy of anidentity theft report ; ( XXXX ) the identification of such information by theconsumer ; and ( XXXX ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
by the name of ( XXXX XXXX ). 



On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both Shellpoint and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing XXXX XXXX as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter XXXX XXXX was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that Shellpoint and its investors and Trustees did not have the proper authority to foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to my understanding I had over XXXX  credit on my TransUnion report an the company supposed reimbursement due identity theft TransUnion deleted everything off my credit report refusing to provide all the company an phone number that was on my credit report so I can file civil action lawsuits against them I feel like that was wrong illegally activities that TransUnion did to me now can't provide evidence tamping with investigation now saying I can't get no copy file lawsuit on TransUnion credit report agency if I don't receive a copy everything was deleted all the company cause XXXX XXXX XXXX XXXX XXXX  was on there illegally

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 2023-02-03 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: GA

Complaint narrative:
I noticed hard inquires on my Transunion credit report that were inaccurate. I called Transunion on the XXXX and the agent told me that there was nothing they could do about it. I sent a letter to Transunion and have yet to get the problem resolved.

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 2023-02-03 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: Chime Financial Inc
State: NV

Complaint narrative:
CHIME Mobile BANK ACCOUNT - otherwise known as XXXX XXXX Account Number Ending in XXXX Claim ID : XXXX Unauthorized Transfer Reported XXXX Claim Amount {$1200.00} I have reopened this claim multiple times, as I DID NOT INITIATE this transaction. I do not know who this person " XXXX '' that took {$1200.00} from my bank account. In America, this is defined as FRAUD, I received this information from my attorney : Transactions not made by you or anyone authorized to use your account are fraudulent, and federal law protects your money. Banks must refund you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
It has been 6 months that I am trying to get access to my Line of Credit. Multiple Multiple trips to different bank locations, over 10 online requests to have my access restored again. 
I DONT access to online banking I DONT receive statement in the mail. 
I DONT know what interest rate is I DONT know anything about this loan just paying what bank teller will say every month. 

, TD Bank Blocked me to have Online access and same time increased my monthly payments ( changes APR most likely ) I want to know what is going on ( online access ) and I want TD Bank to go back to our loan agreement .Same APR same monthly payments This is our second complaint with TD Bank about this problem. CFPB Case ID XXXX I got a response from TD Bank XXXX Obligor to contact TD Bank at the contact information number and email provided at the bottom of the letter. 
Email returns as Address not found Phone number it will ring and will say voice mail is full. At this point I don't know what to make of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX  accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following information being reported on my consumer reports is Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX Addresses Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Please update using the following information listed below and mail updated reports to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Correct Information : Name : XXXX XXXXXXXX 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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 2023-02-03 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: IL

Complaint narrative:
Accounts illegally open in my name I no longer lived at the address and or never lived at the said addresses

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 2023-02-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These are fraudulent hard inquiries on my report. I did not authorize all of these hard inquiries. Below is a list of the hard inquiries on Experian that I did not authorize, please delete these inquiries immediately. 
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 Please delete the listed inquiries that Ive listed that I didnt authorize. According to the Fair Credit Reporting Act I'm entitled to an accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Thank you for trying to help me. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( call or text ) XXXX has refused to refund a ticket charge for a XXXX playoff game that was canceled. I contacted Regions Bank, issuer of my Visa credit card, in XXXX when it became apparent that XXXX was not refunding the charge. It is impossible to communicate with XXXX other than by online chat. I have attached a copy of a chat with a XXXX agent who said I am due a refund. I provided this to Regions Bank Claims Resolution Center. Their most recent letter dated XXXX says Documentation provided by merchant shows you participated in transaction and/or received merchandise. I contacted the team, XXXX XXXX XXXX, and their XXXX  XXXX insisted XXXX is responsible ... ... ..... 

XXXX XXXX Regions Visa XXXX XXXX XXXX XXXX ... ... posting date XX/XX/XXXX ... .. {$76.00} ..... 
Regions Credit Card Claim No. is XXXX ...... 
Regions Claims Resolution Center is ( XXXX ) XXXX ... .... 

" XXXX '' XXXX To : " XXXX '' XXXX Cc : " XXXX '' XXXX Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX EST Subject : XXXX ...... 

Disputed transaction .... 
. 

This {$76.00} transaction was posted on my Regions Visa on XX/XX/XXXX... 
. 
Chat text ..... 

Hi XXXX, We've replied to your XXXX XXXX request regarding order # XXXX. In addition to viewing this update within our online chat, a transcript of our conversation can also be found below. Your XXXX XXXX ticket is XXXX. 
If you have additional questions, please reply directly from the chat. To return to your online orders to chat with us, please go to XXXX XXXX XXXX. You can also reply to this email ; however, your email reply will not be visible in our online chat. 
System ( XXXX XXXX ) XX/XX/XXXX, XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX My name is XXXX, I apologize that you're having this kind of issue. 

Ive confirmed that your upcoming event has been canceled. No action is required to obtain a refund ; we will issue a refund to the original method of payment used at time of purchase, which is usually completed within 30 days. 

Please see our Purchase Policy at XXXX XXXX XXXX XXXX  for more information. 
If you have any other concerns, please reach out to this thread.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
Axos bank has a freeze on my account and asked me to send a picture of me and my ID in order to prove my identity. I did so and they still refuse to release the funds. I transferred the money into the account from my XXXX account but have not been able to access them. Now they will not respond to me on the matter. The money has been in the account since XX/XX/2023. I have been trying since the XXXX to get the funds out but as I said Im told no and axos has also refused to send the funds back to the account that they came from. This is only {$450.00} so its not like its some red flag raising amount. Thank you for your time helping me work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My complaint is with Wells Fargo Bank. I had an incident of fraud on my checking account, and the case HAS BEEN RESOLVED, yet they STILL won't give me my money back. 

On XX/XX/XXXX, my rent check ( check # XXXX in the amount of {$1700.00} ) was intercepted and fraudulently cashed. The fraudster forged my landlord 's signature and cashed the check. I reported this immediately to the Wells Fargo Fraud department.

The case/claim number is : XXXX. 

It was a clear case of fraud, but Wells Fargo said in order to resolve the issue and credit my checking account with the missing {$1700.00}, both myself and my landlord ( who was supposed to receive the check but never did ) had to sign an affidavit saying she did not receive or cash the check, not did I cash the check unlawfully. 

We both signed and returned the affidavit and Wells Fargo confirmed that they received it. 

That was on XX/XX/XXXX It's XX/XX/XXXX and I STILL have not been reimbursed the {$1700.00} in my checking account from Wells Fargo. I've made multiple calls to both their fraud and complaint departments, only to get brushed off and say they'll contact me with a " letter by the mail in 10 business days. '' No matter how firm I am, or how much I try to escalate the issue, Wells Fargo refuses to put my stolen money back into my account, while they continue to remain silent.

It's been 5 months. Please help! 

XXXX XXXX XXXX XXXX Wells Fargo Fraud case/claim number : 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are XXXX supporting documents stating that a payment was scheduled to be made XX/XX/14 out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

Company response to consumer: Closed with explanation