vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> I looked at my bank account and noticed XXXX transactions with XXXX that I hadn't made. I called the bank right away to report the fraud. When calling the person I spoke to was over see 's and there XXXX wasn't the best. He ended up filling a dispute for around XXXX of the transactions. I kept trying to tell him there was many more. The bank refunded about half of the transactions right away. 

A few days later I called the bank back to let them know they missed a lot of the transactions that needed to be disputed. They once again sent me to a agent that was over see 's and didn't complete the claim correctly. He submitted for XXXX of the transactions. I then called a third time to have the remaining transactions disputed. 

I then had to call multiple more times to get the remaining transactions disputed and this is where my problem starts. I keep being told my claim is being denied for various response yet no one at the bank can explain why. 

Finally I seem to keep getting the same answer on why they won't do anything. The reason I am being given is they won't investigate the charges since I have made purchases from the merchant in the past. I told the bank that is 100 % true but that doesn't mean someone can steal my credit card number and make purchases with apple. 

I then went to XXXX and got a copy of my purchase history from the app store which is linked to my name and sent it to the bank. The bank has acknowledged they have it but refuse to answer the question of " if you don't see the transactions on my purchase history why are you not disputing them and refunding me my money for them. All the bank will say is that its the investigators decision and there is nothing they can do about it. I then asked the bank why are you rejecting part of my claim yet you approved part of the claim. They once again can give no answer to that.

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 2024-01-26 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-26 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: FL

Complaint narrative:
Took out a loan for {$650.00}. Ive already paid them {$970.00}. They are requesting another XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I opened my XXXX app and saw my credit score go down XXXX points because some unknown company that I never contracted with reported a false late payment of which I have no knowledge of. I never contracted with MRS BPO LLC service nor do they have any paperwork to prove any signatures that I have a contract with them. But yet they illegally report a late payment to my credit report as of XXXX this year. First time ever seeing this appear and they somehow gained unauthorized access to my personal information. So this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
company refuses to remove the account i have now went further this is my 3rd time providing them with a ftc report I'm requesting now for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX Credit Bureau Name : EQUIFAX DATE XX/XX/year> RE : Social Security Number : -- XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it related to credit inquiries that I did not authorize, made by the following XXXX  : EQUIFAX Inquiries : 5 THE Proof is the PICTURES I sensed with the letter..

I did not authorize anyone employed by these companies to make an inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals XXXX XXXX XXXX should you continue in your non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals O '' ce CC XXXX XXXX XXXX XXXX  XXXX is a copy of my drivers license, SS card and third form of ID.

Remove all addresses that not on the ID 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: TN

Complaint narrative:
I bought a car through Carvana on XX/XX/24. I returned their car on XX/XX/24 per their 7 day return policy. The car is leaking oil and is unsafe to drive. I received a confirmation of the return. An agent from Carvana came out to my home and inspected the car and processed the return. I no longer own the car. But they are requiring that I keep the car insured ( I have been paying for insurance on this car now since I purchased it on XXXX almost XXXX weeks ), my loan with their auto finance company ( XXXX ) is still active and they will be auto drafting my account for my first payment in a few days. And this car is still sitting in my driveway! Ive tried calling, texting, using their chat and even speaking to the person who came to my house about this and no one will help me. I want this loan terminated and this car removed from my property. Its been XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See attachments!

It is illegal to report transaction history, it is illegal to use unfair me to collect any debt!

Violation of privacy of 1974 violation of 31 USC 5103

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 2024-01-26 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they 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 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.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have had a checking account with Chime bank for over 4 years and have never had a problem until now. On XXXX  XX/XX/24 I received several notifications on my phone that my debit card with Chime was being used at XXXX and XXXX XXXX. There were several transactions coming through. I wasn't able to stop XXXX of them, but once I realized what was going on I was able to shut off my debit card and prevent further transactions from coming through. 

I called Chime shortly afterwards and tried to report and dispute the transactions. I was told that they couldn't stop the transactions and that I would have to wait until the charges cleared before I could dispute them. Finally on XXXX XX/XX/24 the charges cleared and I called Chime back to dispute the charges. They opened a dispute case and sent this to their agents. At XXXX on XXXX  XX/XX/24, I was sent an email saying that my disputes were denied. How can they be denied when it wasn't me! 

I called Chime again XXXX  morning XX/XX/24, and told them I want my case reopened. I didn't spend this money and I also want a copy of any information that they have on those transactions and what the agents used to determine the denial. I want to know where these transactions came from. What city, state, etc. I was told they would send me the information in XXXX business days and that the customer service rep that I was talking to couldn't see any of that information. I was also told that the fraud agents that work these cases can't give out that information because it is confidential. CONFIDENTIAL?! It's my money and my account! 

Within XXXX minutes of reopening my dispute case with the customer service rep on the phone, I was emailed again saying that my claim is denied once again and this is their final determination. This is outrageous! Chime should be protecting my money! They should be trying to find out where these charges came from and giving my money back! I have been their customer for over 4 years and I have never had any type of fraudulent activity or asked them for anything until now and they do nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: WI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I attempted to transfer my Venture rewards points to XXXX XXXX. I tried multiple browsers and on the mobile app. I was unable to verify my phone number despite having transferred points multiple times. 
I called Capital One support on XX/XX/XXXX and was informed it was a known problem, but there is no solution. I find this to be unacceptable due to the fact that Capital One advertises this service, but is unable to actually provide it. Now am unable to purchase the flight I want. 
It is upsetting that Capital One did not bother to inform customers that this is an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 someone withdrew {$500.00} from an ATM in New Jersey. I got a notification on my phone and locked my card and called chase. Then chase called me and let me know someone tried to take out more money and they restricted my card. 

The card used was a replacement debit card, which I was waiting for in the mail. When I went to the local chase bank to change my accounts, they let me know it was an XXXX man who then went to the teller to get more money using my pin. 

In XXXX I was informed my fraud claim was denied because they used my debit card and my pin.they clearly have information that it was an XXXX man who took the money and the tellers flagged it suspicious. I was in XXXX at that time. There was no way it would be me or someone I know. I locked the card, if not, this personal would have cleared me out and chase would say it is not fraud and not reissue the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express advertised a business checking account offer in which XXXX Membership Rewards points would be earned after several benchmarks were reached. Making a deposit. Maintaining a {$5000.00} minimum balance. Completing five transactions. My wife ( XXXX XXXX XXXX and I each applied for separate accounts. 

Shortly thereafter, I noticed that a bonus tracker had shown up on the AMEX website that listed a XXXX Membership Rewards points bonus, rather than XXXX points. I reached out to AMEX and they told me that I am ineligible for the XXXX points because it was a targeted offer. 

The problem is that there was no language on the sign-up page indicating that this offer was targeted. Nor were there any prompts during the application process indicating that a lower offer would be provided to me. Since our application date of XX/XX/XXXX, American Express has added a terms and conditions page indicating that this is a targeted offer. However, that terms and conditions page was NOT present at the time of application. As such, it seems clear that both my wife and I should be eligible for XXXX extra Membership Rewards points after we complete the benchmarks. 

Here is the existing link to the application. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Promotional purchases, such as deferred interest if balance paid off in XXXX, XXXX or 24 months etc, repeatedly not honored. I made a deferred interest payment that is set to expire XX/XX/24. I have made {$870.00} additional payments above the minimum required balance that were not applied to the promotional purchase as one would expect. The consumer has to call to make the correction to have the funds applied during the current month otherwise no changes can be made. 

When making payments over the minimum balance or additional payments, the customer is under the impression the balance for the promotional purchase is reduced as additional payments are made and it in fact is notpayments are applied to all other balances ( other separate purchases that occurred after the promotional purchase ) that may not be on promotional time periods-Synchrony strategically applies payments to other balances to keep the customer owing on promotional purchases so that they expire before they are paid off and customers are hit with high interest that retroactively applies to the purchase. Scammers. 

Synchrony Bank did say they would properly allocate {$670.00} of the {$870.00} total payments after I called to complain, but this has been ongoing. There are previous months where payments were not properly allocated and Im told by their representative that since the month is closed, no corrections can be made to previous errors. Why not do it right the first time? This is completely taking advantage of card owners, working people, people like me who probably did not have the lump sum to afford their medical or dental treatment and turned to Care Credit as what we thought would be the smart and efficient way to utilize credit. Instead we are being misled and charged with penalties when we miss the deadline as a result of Synchrony Banks shark tactics. Another instance of the big bank exploiting and taking advantage of the working class. I intend to pay them off and close all my Synchrony Bank accounts. They are not ethical. What a shame.

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 2024-01-26 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: MO

Complaint narrative:
Experian again closes another complaint without having addressed the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Inaccurately reporting on my consumer report, old information and lack of information, defamation of character and harassment and abuse. It is illegal to report transaction history and this is a violation of the privacy act of 1974. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the past I opened a case to see evidence of the suspected fraud activity reported to XXXX and XXXX XXXX by Bank of America XXXX to myself. This evidence was never provided by Bank of America and I was told that if I cant provide a police report of the identity theft then Bank of America refuses to stop reporting this information. I never reported this case of identity theft to the police because I was young and immature and didnt understand the magnitude of its severity which I hoped Bank of America can understand. The day of the alleged fraud activity I immediately called Bank of America and confirmed I had no involvement but my bank account was still closed and negative information was reported.

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