vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX2022 I received my citi bank card with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. equifax accurately reported it no XXXX/XXXX/2022. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX2022  I received my XXXX XXXX XXXX with credit limit of XXXX experian refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. XXXX accurately reported it no XX/XX/XXXX. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect information is being reported to my credit profile and I have proceeded with the proper steps to resolve this issue. I need the items removed form my credit report asap.

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 2023-02-07 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: OLD NATIONAL BANCORP
State: KY

Complaint narrative:
On XX/XX/22 we send a birthday card and check for {$1100.00} to our daughter through thXXXX XXXX XXXX XXXX This check cleared our bank on XX/XX/22 and XX/XX/22 we caught it being cashed for the amount of {$5100.00} with the name on the check being XXXX XXXX. The same day we reported this to our bank 's fraud department ( Old National Bank ) and to our Police Department ( XXXX Police Department ) filling out all required forms for both. We want to press charges against the person responsible and Police Incident Number is XXXX, XXXX XXXX : XXXX and his badge # is XXXX. This forgery took place over three months ago and all our bank will tell us is, that the check was chased at a XXXXXXXX XXXXXXXX and that it is up to them to return our money. The check was clearly forged and all we are getting is a run around. We're retired and need our money back. 

If you need more information just let me know.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I purchase two round-trip tickets to XXXX, XXXX from XXXX, WA. I made the purchase using my Chase credit card. The flight was on XXXX XXXX. The intended departure/return dates were XX/XX/XXXX - XX/XX/XXXX. Due to the XXXX pandemic, the Spanish government restricted all non-essential travel from US citizens in the XXXX. I called Chase customer service, and they ensured me that I could safely cancel our flight in exchange for a future flight credit. Our flight was cancelled on XX/XX/XXXX and Chase promptly sent an email confirmation stating that I had been issued an airline credit. Chase issued us a flight credit for a total of {$1700.00} USD for future use ( two {$880.00} tickets ) as long as the credit was used by XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use the credit to purchase new tickets to XXXX. I called Chase for assistance in applying the funds to my new trip, and several agents told me that my flight credit had gone missing, without explanation. I was previously able to periodically check in and verify the existence and validity of the flight credit through my Chase web account ( " My Trips '' ) and checked most recently in XXXX, XXXX. I logged in on XX/XX/XXXX and the flight credit has inexplicably disappeared from my account. The Chase travel agents have insisted the voucher " doesn't exist '' despite Chase email evidence to the contrary ( attached ). 

Chase travel agents asked me to call XXXX XXXX and XXXX ( a travel partner ) to attempt to retrieve the voucher through them. After several hours on the phone with both organizations, both XXXX XXXX and XXXX have strongly insisted that Chase is responsible for the flight credit since the funds were held in my credit card account. Chase has failed to acknowledge the existence of the flight credit and have failed to offer adequate resolution to this issue. 

I have attached several emails including : - The original flight confirmation, itinerary, and flight numbers- The original cancellation email - The original emails from Chase and XXXX XXXX notifying me of my travel credit to the amount of {$1700.00} USD and verification of the XX/XX/XXXX expiration date I am seeking a full refund for my cancelled tickets to the amount of {$1700.00} and an explanation from Chase as to how my flight credit was mismanaged and " lost. '' I have also attached a copy of the compliant I have filed through Chase 's third-party claims service eClaimsline.com, as well as a complaint I have filed with the XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain on my Consumer Report Both are inaccurate inconsistent. 
Non Public personal information

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 2023-02-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. 

The fraudulent address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/2022 reported fraud on chase credit cards and XXXX XXXXXXXX credit cards because of fraud and theft. 
They say it was authorized and it wasnt. Someone used my identity and information and used the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My complaint starts with XXXX I called Mr. Copper lending company to check on my payments for mortgage. The letter statement showed XXXX but checking the website its was XXXX. This confusing situation began in XX/XX/2022, I spoke to Mr. Cooper on the phone about my shortage in escrow of XXXX and I talk to customer service and gave my account number, and routing number to electronically withdraw from my bank account. It was not done they said due to insufficient funds which was not true. Again I tried in XX/XX/2022 and spoke to Customer service and I got the same response from the REP. of INSUFFICIENT funds in account. All not true, so I mailed a check of XXXX and wrote on check memo line ESCROW ONLY along with sticky note in PINK. They applied it to my principle balance anyway. I again I called and talked to REP at Mr. Cooper to move funds to ESROW ACCOUNT. In the meantime they charged me XXXX on XX/XX/2022 and XXXX on XXXX 
I spoke to XXXX at Mr cooper XXXX XXXX and she said its a fee from my bank due to Insufficient funds and Mr. Cooper was charged by my bank that amount of money. I called XXXXXXXX XXXX  and NO transaction was filed with them. Also the check I mailed XXXX was from the same account as electronic withdrawal. I want a refund of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Auto loan managed by Wells Fargo. Interest rates were overcharged, which is why loan had to be paid off early. 
When calling customer support, I was specifically told contradictory things about interest fees multiple times. 
Loan was registered under maiden name ( XXXX XXXX ), latest payments made around XX/XX/2016. 
Thank you for looking into 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 2023-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Disputed To Have Inquiries Removed But None Was Deleted Or Removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: IL

Complaint narrative:
XXXX XXXX Disputed To Have Inquiries Removed But None Was Deleted Or Removed.

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 2023-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was XXXX. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a XXXX trailer for the next 18 months. During this time we were reassigned to XXXX. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on XXXX occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new XXXX. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our XXXX XXXX for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments.

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 2023-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has been negligent regarding errors on my credit report. All of the information, except my name is wrong. I've contacted them numerous times to fix this issue. I even sent them, via Certified Mail, proof of my identity, but I'm not seeing any progress. 

My husband and I are trying to get pre-approved for a mortgage and Experian is holding everything up. I have no idea who is supposed to be fixing my credit report because this is negatively affecting my whole life. 

There are many errors in my report. One of them is for a car that I do NOT own, some credit cards, a personal loan, and more. I know that I wasn't supposed to record our calls, but I did because they treat me like I'm crazy. I will take this complaint as far as I can because I shouldn't have to deal with their incompetence.

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 2023-02-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted several disputes trying to resolve this inaccurate information on my credit report. The most recent dispute was XX/XX/2023. The original amount of this account was {$3500.00} and Original Creditor is 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened a Chime Bank account in XXXX of XXXX. I immediately was locked out. I immediately emailed for assistance. It took several weeks to receive a response. They asked me to respond with sensitive private documents via email. I refused due to security concerns and asked for a secure portal to upload them. Any legitimate company, ESPECIALLY A BANK, should have a secure portal to upload documents. It took 5 months to finally receive a response from a " representative '' who provided a fake invalid link. I responded multiple times that the link does not work and they need to provide a valid one. I kept getting the same copied and pasted response. I feel this company is a scam and have asked them to close my account and delete all of my information NUMEROUS times but they refuse to. 

I filed a complaint with the XXXX where they continued to copy and paste the same response their bots emailed to me and it closed without resolution. The company is refusing to close my account. IT IS MY LEGAL RIGHT TO HAVE MY ACCOUNT CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion is not honoring their duty of accurate and correct reporting on my credit report. Transunion is inaccurately reporting a late payment on my credit report for the XXXXXXXX XXXX XXXX account ending in 1917. This includes a 30 day late payment reporting on XXXXXXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Transunion completely violating my consumer rights. I did not give Transunion my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Transunion has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX  account # XXXX has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX, I went to close my student bank account and I had opened up a new account because I was not attending XXXX XXXX XXXX XXXX I was told to leave the student account at {$0.00} for 30 days. Following the representatives steps I left the account a {$0.00} and opened up a new account with Wells Fargo. A month later I noticed my credit was beginning to fall because the account that was suppose to be at {$0.00} now had charges that ended up going as high as {$900.00} + dollars. 
Not soon after I lost my job and this put me in the worst position of my life. I still have not recovered completely as I had this bank account that was suppose to close out and did not. My credit declined so fast, I was unable to take additional funding out, I could not purchase a vehicle and so on .... This particular student account was the first problem that cause so many more. I am begging for some capital to help me get back on the right track. This has also caused me not to pursue jobs as it got worse. 

Hopefully Wells Fargo could do right by me as this messed my career up for years. 

Sincerely, 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One charged me {$59.00} annual fee for the coming year for my card. I told them I want to switch to a card with no annual fee. They agreed to do that and switched me to a no fee card. However, now they won't refund the {$59.00} annual fee for the old card which is now closed. The supervisor said the fee is charged to provide me with the benefits of the card for the coming year. That's fine, but now that I've closed that card, I won't be getting any of those benefits, so it would make sense for that fee to be refunded. Otherwise, they simply took {$59.00} from me and are providing nothing in return. I'm sorry, but that's just not right. For the life of me, I don't understand why these companies agree with you that what you are saying makes sense, but then act completely helpless to resolve the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: MA

Complaint narrative:
On XX/XX/2023 I received a new credit inquiry on all my credit reports. About a new application for XXXX XXXX bank. I didn't make these requests and my information is compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2023-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
TODAY, XXXX, I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY DECLINED MY REQUEST TO OPEN A DEPOSIT ACCOUNT WHEN I DID NO SUCH THING. AT NO TIME HAVE I TRIED TO OPEN AN ACCOUNT WITH BANK OF AMERICA. 

I CALLED THE NUMBER ON THE LETTER FROM EARLY WARNING SERVICES AND THEY ADVISED THAT I MAKE A CLAIM WITH FTC.GOV.

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