vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/XXXX I have initiated a dispute regarding a fraudulent activity charge that was initiated in XXXX in XX/XX/XXXX. 
To this date the dispute was not resolved way beyond the mandated 90 day mainframe and the bank didn't even issue a temporary credit which is a normal practice here. 

On XX/XX/XXXX I called the bank and after holding for about 7 min requesting speaking to the supervisor the call was disconnected. I then again called the bank and asked for a supervisor who then in the process of about 20 min call told me that's she has no authority to address the matter and volunteered to transfer me to the dispute dept. After holding for about 8 min ( total 29 min for the call ) the call was disconnected again. And when I called the third time directly to the dispute dept I was put on approx. 20 min hold and then again disconnected. 

It is apparent that the FNBO is not interested in addressing the matter so I would like the following to happen : {$64.00} final credit of dispute to be applied to my account. 
{$20.00} in my rewards point balance transferred to my account and then the final balance refunded to me in form of a check. 

Then the account to be closed. 
I simply can not do business with the bank that has such degree of contempt to people who give it business. Please note that the bank has a regulatory responsibility to address a dispute within 90 days of its initiation.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, but they are incorrectly reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I was a XXXXXXXX XXXX customer up until XX/XX/2023 when I moved and could not transfer the service. Although I was told by XXXX when I got a new plan that I would not be locked in for 2 years, when I called to terminate the service, XXXX claimed that I had to pay an early termination fee. I already paid the bill [ {$130.00} ] for XXXX so XXXX was to reimburse me for what I paid and send me a final bill. 

On XX/XX/2023, XXXX took money out of my bank account for XX/XX/2023, billing me for services that had been canceled. I called to have them reverse the charge and to ask again for a final bill. I did not receive a final bill in XXXX or XX/XX/2023, despite providing a forwarding address twice in XXXX and XXXX. I was unaware that once you terminate your services with XXXX XXXX, you can no longer access your online account ; so although I tried to log in and see what the final charges were, I was unable to. I called XXXX in XX/XX/2023 to ask why I could not log into the online account and was then informed that once you terminate services, you can no longer access the online account. I was advised to wait for the final bill which would provide me with the ability to pay the outstanding charges. 

On XX/XX/2023, XXXX reported the account as delinquent and sent to collections, tanking my credit score by XXXX points. On XX/XX/2023 when I was notified about this, I called XXXX to ask them why they reported the account as delinquent when I never received a bill and was advised to wait to receive the bill. XXXX stated that they would send the final bill out as soon as possible but that the damage done to my credit already was " not their problem ''. I received the final bill a week later [ it was mailed out on XX/XX/2023 ] and promptly paid the balance. I disputed the collections charge to my account and am still trying to get it removed. This has caused major damage to my personal credit as well as my business credit, which pulls from consumer credit reports. My business credit has now been slashed by XXXX as a result of this.

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 2023-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
notice errors reporting to consumer report and provided the company with this information via certified mail along with a NOTICE TO CURE. HARELY DAVISON CONTINUES TO REPORT LESS THAN 100 % ACCURATE DATA WICH IM ENTITLED TO RECEIVE 100 % ACCURATE DATA. ALSO THIS ACCUNT IS MORE THAN 120 DAYS UNCOLLECTABLE AND IS NOT CHARGED OFF. AND REPORTING LATE PAYMENTS. LASTLY, A NOTICE OF INTENT TO DISCHARGE DEBT HAS BEEN SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I reached out to XXXX, XXXX and Transunion in XXXXXXXX XXXX XXXX regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XXXX XXXX XXXX  I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I reached out to XXXX, Equifax and XXXX in XXXXXXXX XXXX XXXX  regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/ I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an Equifax Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase put an extended hold on a check deposited to a Trust Account. I called, they verified with the bank where the funds came from. They verified that is is cleared from their end. Funds were available, Chase still places an extended hold on the account and at the same time locked my personal account connected to the account since I am the signed on both accounts. Subsequently Chase decided to close both the Trust account and my personal account, even though the funds cleared and verified. 
I received only refund check for my personal account. Have been calling to locate the missing funds from the Trust account which had a substantial amount of money. It has been a week without answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/23 @ XXXXXXXX XXXX I received a phone call from Chime Bank from Chime Bank 's phone number stating I had fraud on my account. I was instructed to do a transfer to reverse the transaction. When it was done the money was transferred out of my account to a person I do not know. I immediately called Chime and told them that I was defrauded and started a dispute. I do not know XXXX XXXX. I have never done Any Chime to Chime transfers with this account. I have never done large transfers or withdrawals. This was completely outside my usual bank behavior. Another indication that is a fraudulent transaction. I was instructed to file a police report. I did. I also sent screenshots of the fraudulent email I received for the Chime Reversal. From Chimes email address. It is absolutely unacceptable that this claim is being denied. I expect to be refunded all the funds stolen from me. I will submit with this letter once again. I have repeatedly asked for Chime to recover funds. The continue to deny my claim. I asked for reason. They wont tell me over phone. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} XXXX Oregon Police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
I received at letter from my student loan servicer yesterday instructing me to recertify my income or risk being removed from my IDR plan. ( attachment 1 ) I believe this letter was sent in error and fails to follow the IDR recertification rules listed on FSAs website. 

My IDR anniversary date or deadline is XX/XX/XXXX on both my FSA dashboard and MOHELAs customer portal. ( Attachments XXXX, XXXX and XXXX ) According to the FSA website, I have at least six months to recertify my income after the end of the payment pause ie not before XX/XX/XXXX. ( attachment XXXX ) FSA specifically says that recertification dates before XX/XX/XXXX will be pushed out by one year. ( attachment XXXX ) MOHELA has failed to follow FSAs rules. I need to be on IDR to remain eligible for PSLF. I can not get in touch with MOHELA because they dont answer the phone. Please correct my IDR recertification date to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX reported incorrectly that we were late in a payment, when we have never been late in any payments in our lives and we always have our payment on autopay directly to them. XXXXXXXX XXXX  closed several of their locations and never notified customers of changes or of payment address change.Payments were clearing from my personal bank but XXXX system wasn't updating. They said they corrected it all but now that my husband and I are looking to purchase a new home our credit reports shows 1 late payment from them, which is affecting our credit rates. XXXXXXXX XXXX has advised that they have corrected it, but Equifax is showing as late and accurate. Both XXXX XXXX and Equifax are going back and forth and have not done anything to correct after 5 months. How can my husband and I get this resolved? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
Mailed check was stolen and cashed fraudulently by an unauthorized, unknown entity. Filed claim with my bank, Chase, but they refuse to refund the money. Timeline follows : XX/XX/23 Mailed check # XXXX for {$970.00} to XXXX XXXX in XXXX XXXX, MI. 
XX/XX/23 XXXXXXXX XXXX in XXXX cashed check without endorsement and stamped " ABS OF ENDORSE GUAR. '' XX/XX/23 XXXX XXXX notified me via email that he hadn't received my check. 
XX/XX/23 Called Chase and was told I need to file a claim. 
XX/XX/23 Sent funds ( {$970.00} ) to XXXX XXXX via XXXX per Chase 's suggestion. 
XX/XX/23 Went to Chase branch in XXXX, OH and they helped me prepare paperwork to file claim with Chase. 
XX/XX/23 Account credited for {$970.00} stating reimbursement for claim. 
XX/XX/23 Closed original account with Chase ( XXXX ) due to fraud and opened new account ( XXXX ) per their letter. 
XX/XX/23 Transaction appeared on my account debiting for {$970.00}. 
XX/XX/23 Met with XXXX XXXX at XXXX, OH Chase branch. He called fraud department at Chase, and they stated XXXX denied the claim and check was returned. 

Bottom line is that I am out {$970.00} due to Chase paying the original check and not recovering the funds from XXXXXXXX XXXX, who accepted it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Sent complaint to Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian notified me of a late credit card payment in the amount of {$230.00} from XXXX XXXX XXXX XXXX XXXX XXXXXXXXI closed that account last month, { XXXX XXXX } XXXXXXXX XXXX  did not honor a 15USC 1666i that I invoked on XXXX  I am in compliance with all of 15USC1666i 's conditions to make XXXX XXXX XXXX this charge of the products including the interest amount. The total is {$230.00} as of today. XXXX XXXX has never acknowledged this fact even after many letters sent certified mail that they received my letters, and they are responsible for the amounts in question. I do not owe XXXX this money now. Experian never verified this late payment information before posting this big untruth. All the credit card reporting agencies have lowered my credit reporting number by XXXX XXXX This will be hurting my future, financially damaging it. XXXX XXXX XXXX XXXX also. }. Please enforce Federal law as to protect my 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 explanation
Consumer complaint received 2023-12-19 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: MN

Complaint narrative:
On XX/XX/2023 Wells Fargo allowed someone to walk into a branch in South Carolina and withdrawal money from my account without the proper identification. This is the 4th time this year. We already had to open up new accounts after the same incidents happened in XXXX after we had froze our accounts after my husband was XXXX at work, They allowed the bad guys to make several transactions after the hard hold was put in place. We opened the new accounts and were guarantied that nobody could get into our accounts without a ID and debit card. This person on the XXXX didn't have these items, I have all of them in my possession. I have never been to South Carolina. Wells Fargo has made accusations that it is a family member, this is not true,. On the XX/XX/XXXX I received a call of from a scammer claiming to be from the IRS fraud department, I knew right away that it was a scam, but I told the guy I wouldn't give any information but he could tell me what he he knew. He knew my social security number, my bank account number, how much was in each account and about my mortgage. This led me to look in my bank account to find the withdrawal they had done in person on the XXXX, This person was trying to get me to give them a security code that would have let them get into my account online, I didn't give it over. The same number tried to call me 8 times in a row. I have received a copy of the withdrawal slip and noticed that the signature used looks like mine. I do believe Wells Fargo has had a breach of some kind, this would be the only way they would know how to sign the way they did, I write the XXXX  in my name very specifically and you would have to see it to know it! I have spoken with a Senior Escalations Representative on Sunday the XXXX of XXXX and when spoken to about it being a breach that is when they accused my family and hung-up on me. The only thing they have offered is information to protect myself and excuses. I have protected myself, they didn't protect the customers information or accounts and treat the customer as the one that did wrong. There are many red flags that should have stopped this transaction and banking information from being given 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have a charge on my Chase Visa account from XXXX for services that I did not purchase. I have sent letters and called both companies, and am having absolutely no luck getting this issue resolved. From Chase, I simply want them to change the status of this charge to a dispute status until this issue with XXXX is resolved. I see no reason why I should be charged interest on a purchase that I did not authorize. I have called Chase several times and I have sent a letter to their CEO office in an attempt to get their help. To date, there has been no progress.

Company response to consumer: Closed with explanation