vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of Equifax Data Breach and I filed with the class action thru the settlement administrator and on XXXX XXXX at XXXX XXXX I received an email stating that I was NOT affected and that i had to prove that I was. I verified my information was stolen thru the settlement administrator 's website in XX/XX/2022 and they received my claim packet by certified mail on XX/XX/XXXX and I have spoken with them on numerous occasions and had several return calls from people who stated that they were supervisors. They all gave me the same information that my claim was received and was in fact affected. After I filed my claim I did not know that they would victimize me again by making me prove to them the same information that I proved to them in the beginning of this ordeal. I submitted my response to the email by the link on the website as well as mailing a hardcopy to the company. I know that this is NOT OVER because the person/persons who stole the information have never been caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter via certified mail to TransUnion requesting method of verification for the XXXX bankruptcies # XXXX, # XXXX, # XXXX & XXXX reporting on my credit report. On XX/XX/XXXX TransUnion sent an auto generated response which did not address my request. In my request sent XX/XX/XXXX, I specifically requested they did not reply with the typical response and requested the exact method that was used to verify the bankruptcies. 
On XX/XX/XXXX I responded to the auto generated response with the enclosed letter and again requested the method of verification for all XXXX bankruptcies. On XX/XX/XXXX I received the investigation results which deleted # XXXX and only updated ( not verified ) # XXXX. I have received no response regarding # 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 2023-04-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Earlier today XX/XX/23 I tried opening a CD account with XXXX XXXX powered by Webster Bank XXXX NA '. I followed all their instructions and completed the application, later I got an email saying my application was rejected. I was concerned if not disappointed, and immediately called the bank and spoke to a couple of the staff members, including the lady who pickup the phone, XXXX, and the manager himself, XXXX XXXX XXXX. 

I told them I had provided all the personal information and whatever details they required, and that there's absolutely nothing wrong with my identity and or my credit record, and if there was anything wrong to please let me know, so I may correct it and complete the process. Because, as far I know, I do have an excellent credit record, not to mention my financial background, leave alone my identity. I believe they pretty much are consistent and also speak for themselves, should they or anyone goes checking to verify. 

The aforementioned financial institution should not be advertising something they can not provide, and they should not be gathering valuable information without taking care of their responsibilities. It is only fair that after I take the time to complete their online forms and provide them with my personal details that If I get rejected then I should know exactly why. I asked XXXX XXXX XXXX, the manager, to please write an email about the bank 's final decision and he refused, he refused to cooperate and or offer a viable solution. The bank 's games the bank 's own rules. He told me that if I was concerned I should not bother doing business online. 

It seems improper, if not unethical, for these banks to be gathering sensitive information about potential clients and being rejected for no apparent cause. If there is then let people know. There should be no mystery, everything should be clear and transparent to anyone who takes the time to apply and follow all their instructions, especially someone who, through very hard work diligence, has managed to build an outstanding credit record and has no identity issues. I am also very concerned about how this information can used or misused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
Dear Equifax, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts contain missing information.

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( Procedure in Case of Disputed Accuracy ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account Number:XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

2 ) Account Name : XXXX Account Number:XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
on XX/XX/2023, i wen to a XXXX store and showed my paypal barcode to the cashier, handed her {$210.00} plus the {$3.00} fee ( in order to load the cash to my paypal balance, which i have done numerous times, and was given a receipt. The money was never added to my balance because paypal denied the load. I have not been told why the load was denied. I was given many different responses and excuses by paypal. XXXX says that once the transaction goes through and the receipt is printed, it is out of their hands. I am out the {$210.00}. I have read thousands of complaints online about this happening to other people. Imagine the billion each year collected through this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2023-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
BOA contacted me on XX/XX/XXXX with a fraud alert which let me know my identity and credit card accounts had been compromised. I immediately responded, cancelled the card, filed a police report and froze my credit. Then later that month the thief opened a BOA checking account in my name and on XX/XX/XXXX took a {$2100.00} cash advance from my BOA credit card and had that advance deposited into a new fraudulent BOA checking account that was opened in my name without my permission online WITHOUT an ID. I didn't know any of this had happened until I received a BOA Debit card in the mail on XX/XX/XXXX. I immediately drove to a BOA bank to close the fraudulent checking account and finally on XX/XX/XXXX the {$2100.00} was transferred from the fraudulent checking account back to the BOA credit card. Yesterday, over 4 months later I received a BOA credit card statement showing I still owe the {$2100.00} cash advance and now they are charging me interest on the advance that I never made. I have been through several rounds of disputes and am unable to get anyone at BOA to review the clear documentation and fix the errors that BOA has made and are still trying to charge me for. BOA treats victims like criminals. After being a loyal customer for 25 years, they have done nothing to protect my personal information, they have caused my credit scores to drop and they are fraudulently reporting the current balance that includes charges I never made to the credit bureaus while the disputes are still in review 4 months later.

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 monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Uplift, Inc
State: NJ

Complaint narrative:
I have been a customer of Uplift since 2021. I have had 3 loans and have always paid in full and never late. Recently, I have been trying to get another loan and it kept saying " Application information can not be verfied '' The customer service number is a scam and there is never an option to talk to a live person. I finally got an email from the fraud and risl department asking for my ID a selfie which I Provided. Then they responded saying I had to provide a selfie HOLDING my PAssport. This I thought was odd as no company has ever asked for this and I emailed back saying I would be happy to provide any other documents but that I wasn't comfortable holding my ID in a pic. Nevertheless, after no response I uploaded my passport again and A photo of me holding the passport. In the selfie, I blurred out my background as I took the pic at work and didn't want my background to show. 

After all this I get an email saying that they have disable my ability to use their services again. This is borderline discrimination, is it because I am XXXX? 

How can you never question MY identity- I have paid 3 loans on time and with good faith and now this company decides I am not who I am and that I can not use their services anymore. There is no live person to talk to. I feel like these decsions are made by a computer. I just want to be able to use a service I have used in the past and with good results. I think being disables is extreme and uneccesary. I have never filed a fraud claim, I have never said I had issues with UPLIFT, why are you now saying you can't verify me. After 3 years of being a good customer that is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2023 I contact CFPB in recording a issue with Discover Card about charges on my account that was not valid please refence CFPD case number COMPLAINT ID XXXX On XX/XX/2023 XXXX XXXX Executive Office of Customer Advocacy contact me by email saying they will look into the matter On XX/XX/2023.. I called into Discover because I had issue with using my card was told that my account was closed On XX/XX/2023 Received response from Discover saying that didn't provide information that I payed the merchant with a different in fact I provide them with info that I did and emails saying that they will refund me plus text message from merchant sayin they will. They say they looked into the matter but fail to say they closed my account in the process after i contact CFPB In which with they response they are causing financial hardship, emotional stress and damage credit from obtaining credit from other companies in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
Hello- I was drugged and robbed in XXXX on XXXX. Robbers saw me using my ATM right before I was drugged and took my wallet, phone, XXXX XXXX. Right before it all happened I made a XXXX ATM withdrawal. They saw me doing it and must had memorized my code. They took total of {$1900.00} in several ATM withdrawals. CHASE wont consider my claim and I believe that there should be some protection for these cases as a credit card would. The robbers also made charges to my credit card but those were credited by XXXX right away. I reported the case to CHASE hours from when it all happened. I hope that with this claim I CHASE can consider my dispute and accept police report as confirmation that this happened. They claim that they are not able to confirm criminal charges but also not willing to receive a police report. 
Thank you for your consideration and review of my request, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
My bank account was closed for a verification issues I have sent my driver license pictures of my face they still refused to open the account. On XX/XX/XXXX the account was closed and I was told I would be issue a check out. I reach back out to the bank. They said they would not be sending me any money because of some guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX and Experian Credit Bureaus have reported a charge off from XXXX XXXX with inaccurate dates of last reporting and last date active : XXXX EXPERIAN last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist//BBT Claim Number XXXX. On XXXX XXXX of 2020, I stayed at the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX herald On the evening of the XXXX I was drugged and consequently robbed of my wallet, phone and several belongings. My credit cards were used including the Truist card. When I came to my senses and reported the incident to the bank I was informed I reported this too late and that I was careless with my account PIN. I believe the people who robbed me were able to get access to my phone and access my accounts using my finger print as I was blacked out. This was reported to the XXXX XXXX when they broke into my room, after it was reported I was missing. I have contacted the bank several times about this matter and I am out of options at this point.

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 2023-04-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This account has reached the required statute of limitations according to the state in Which I Reside, XXXX. This account has been reporting on my credit file for over the allowed time limit ; XXXX years. I have requested for this account to have been removed previously as it is affecting my ability to gain credit. This account has been paid off in full now for over XXXX years. I have attached a copy of the payment record for the aforementioned account reflecting that the last payment received for this account was in fact on XXXX which resulted in the account being paid in full. However, instead of deleting the account the credit bureaus are illegally updating the Date reported. I am requesting that this account be removed from my credit report as the credit reporting agencies are illegally reporting it after the statute of limitations have been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-04-25 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am requesting validation, my handwritten signature that binds me to the alleged debt. 15 USC 1681 e ( b ) assures that I am due and promised accuracy in my report based on federal law. This is NOT a request for " verification '' or proof of mailing address, but a request for " VALIDATION '' made pursuant to 15 USC 1692g Section 809 ( b ) of the FDCPA. I am requesting to have any/all unverified information be removed promptly after investigation per 15 USC 1681i ( A.5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion, response it will take 60 days to complete their reinvestigation for previous dispute. I along with my legal counsel intend to file a lawsuit against TransUnion on XX/XX/2023. TransUnion negligence and intentionally violating fcra rule.

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 2023-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Won't give another forebearance. 

Won't cash insurance check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AR

Complaint narrative:
Ive been in contact with Mohela for over 60 days requesting my complete payment history prior to Mohela taking over as my loan servicer. They said it would take 30 days which is a very long time to begin with. Now over 60 days still getting a run around response that its still being processed. I need this payment history because I can no longer obtain it from my previous provider. Mohela states on their site they have this information and can provide it. 
Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation