vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I'm writing to appeal the result of the investigation regarding the {$5000.00} transaction on my Chase card. As explained during the previous phone call, my phone was robbed unlocked on XX/XX/XXXX in XXXX, NJ. I reported to the police right after the incident happened. Please see the police report attached ( CASE NUMBERXXXX by XXXX XXXX ). The XXXX later used my phone ( which I no longer had access to at that time ), made the {$5000.00} dollars transaction. As soon as I was aware of that, I called Chase immediately to report fraud and stop the transactions, and I also visited Chase local branch ASAP to close my back account, and made it clear to the staff : this {$5000.00} dollars transaction was NOT authorized by me. Regarding the timeline, my phone was taken XX/XX/XXXX, and the transaction date was XX/XX/XXXX, which is after the I reported to police. This can further prove the transaction was done by the XXXX using my old phone and these transactions were NOT authorized by me. The research result shows the transactions were valid purely based on the correct address, which is not a sufficient proof that the transaction was authorized by me. Also the amount was large, address couldnt be the only validation done to verify the transactions. I also reported fraud to Chase immediately after I was aware of the fraud. According to the Electronic Fund Transfer Act, if I report the fraud within two business days to Chase, Chase must provide the refund. Please kindly reconsider this case with the proofs I submitted. Feel free to reach out to me with any questions. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Fraudulent and Unlawful Practices made by Bridgecrest. On XX/XX/2023 assumed account status was confirmed by multiple Bridgecrest agents that account in question in now Paid in Full and Closed. On XX/XX/2023 it was noticed by me that this account was re-opened by Bridgecrest without any prior knowledge or consent given by me. I immediately contacted Bridgecrest regarding this issue and was told by another agent that account was considered Closed as Paid in Full but has manually been re-opened. I responded to agent that this was done without my consent knowing that prior debt has been considered discharged and to immediately close this account as Paid in Full. The next day XX/XX/2023 the account in question was Closed again. In a Breidgecrest response letter dated XX/XX/2023 I observed in the transaction list provided that transactions were showing Manually altered post dates of recent transactions made on XX/XX/2023 which resulted in Fraudulent Acts made by Bridgecrest. In addition to Fradulent Acts I was notified via CRAs that Bridgecrest attempted to verify a dispute knowingly having knowledge of account being discharged prior and also aware that car has been Sold on XX/XX/2023

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 2023-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have over 271 unauthorized transactions from XXXX XXXX and I do not have an XXXX account. I do not use XXXX AT ALL & neither does anyone else in my household. I have reached out to chime over 80 times with calls and emails. I have disputed the charges multiple times and got denied after 20 minutes of their so-called investigation I have filed multiple rebuttals sending evidence that I did not make those transactions including screenshots between the merchant and myself and verbal/written statements, and my claim is constantly denied after about 30 minutes to an hour. They dont take the time to thoroughly investigate. They simply deny over and over with no investigation. My card was charged over {$9900.00} and every dispute is denied over and over with no investigation occurring. The merchant not really helping I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I called the day the insurance company mailed the check, XX/XX/XXXX, to find out what to do with the check and what documentation would be required. I was specifically told not to endorse the check ( confirmed 2x ) and requested contractor documents. I was told no information could be provided until the check was received. 
Called XXXX after express mailing check, XX/XX/XXXX, to find out next steps. Was informed the check needed my endorsement and this type of loan requires additional contractor package. These were both to be sent back XXXX  to me. 
I received the check on XXXX, still no contractor documents. Too late to call so contacted Citizens Bank XX/XX/XXXX, after XXXX XXXX holiday. 
The date of loss was XX/XX/XXXX, so now the insurance company wants to know why the check hasn't been negotiated or work started. The HVAC was destroyed and is leaking down the cabinets and wall of the kitchen. It would seem to me these documents could be emailed but, they said they would XXXX them... again. This is the 3rd time of record they have them being sent. I check the mail every other day and my neighbor lets me know when packages are delivered. 
I would think Citizens would want to protect their collateral and ensure repairs are started timely. And if I have to pay for it myself, well the mortgage payment might get lost in a XXXX envelope. Apparently those don't have tracking anymore. 
There's nearly {$100000.00} in damages and I can't live there until it's fixed. I'm sure they don't mind, but my allowable living expenses only extend for so long. 
I've been told this type of loan requires additional documentation and special handling, I can't use a portal for most things, and have to speak to people after going through push button XXXX and holding for a person that is less than knowledgeable and likely have me calling to repeat the process in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.

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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$1700.00}.

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 explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Bunch of hard inquiries for auto loans I did not approve. Plus credit inquiries. All almost XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
Hi, I have a couple of problems with this company. 
The first is that they refuse to remove optional insurance from my account and tell me to call them. I emailed them from my account of record. 
The second is that I spoke with a woman at that office a couple of months ago and asked her to stop automatically billing me and she said that she did, but I was charged again this month. They took money out of my account without my permission. 
My other issue is that they refuse to send me the policy that allowed them to charge my account without my permission. 
They keep telling me to call them and they called me after I asked them not to. 
I feel that in addition to refusing to service me and my loan, taking money from my account without permission, and calling me without permission, they are also trying to avoid giving me documents in writing. 
When I do speak with them on the phone it seems that they don't do what I ask and they waste a tremendous amount of time on the phone. They're very slow when you get on the phone with them and the calls drag on for a long time with every interaction. 
I have additional phone records and emails showing that I canceled automatic payments and requests no calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I, XXXX XXXX, wish to bring to your attention a matter of utmost importance. Specifically, I would like to assert that 15 U.S. Code 1681 c-2 clearly states that if a consumer identifies information in their credit file that has resulted from alleged identity theft, a consumer reporting agency is legally obligated to block the reporting of such information within a period of XXXX business days. 

To provide some context, I dispatched a package to your organization on XX/XX/2023, containing my FTC Complaint numbered XXXX, Trans-Union affidavit , FTC affidavit XXXX police report, a copy of my driver 's license, social security number, and a copy of my gas bill. The purpose of this package was to request the blocking of information in my credit file that I have identified as being a result of identity theft against me.

It is crucial to note that I am well aware that, as per 15 U.S. Code 1681 n, the failure to adhere to this law may result in punitive damages. Regrettably, I must emphasize that I have not witnessed any action being taken on my request, nor have I received any information from your end regarding how you have verified the identity theft that led to my credit denial. This is a matter of great concern and immense frustration for me.

I want to make it unequivocally clear that I find this situation highly unacceptable. To prevent any further legal actions and to seek a swift resolution to this matter, I hereby demand that you immediately remove the fraudulent XXXX  XXXX XXXX account XXXX. XXXX from my credit report. 

This correspondence serves as a formal demand on my behalf, urging Trans-Union and XXXX to initiate a comprehensive investigation into the facts and circumstances surrounding this issue. I expect an appropriate response to my concerns, which should include your immediate compliance with the aforementioned demand. Keep in mind Under consumer law asking XXXX  XXXX XXXX to verify this fraudulent debt is not the credit bureaus doing a true investigation on this matter. 

I trust that you will treat this matter with the seriousness and urgency it warrants, as I am prepared to take further legal action if necessary. I eagerly await your prompt response and resolution of this pressing issue. 

Sincerely, 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 2023-10-12 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: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XX/XX/XXXX Balance Owed : {$540.00} ; XX/XX/XXXX Balance Owed : {$4000.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX Balance Owed : {$1700.00} XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$4200.00}.

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 explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Hi, My current loan to value ratio onmy mortgage with Freedom Mortgage is 53 %. My credit score is over XXXX. I have never filed a bankruptcy, never been delinquint or late with any payments including credit cards, previous mortgages, insurances, property taxes etc Have not made an insurance claim in past couple decades!. Have an immaculate credit history. I see no reason for Freedom Mortgage to continue escrowing my property taxes and insurance. I have made multiple request to Freedom mortgage to waive the escrow collection. They have given some bogus excuses that make no sense! I can manage my property and my funds very well without a third party!

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 2023-10-12 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 180 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

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