vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court anXXXX XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

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 2022-02-01 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX & Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Just saw on XXXX that Messerli and Kramer which is XXXX fundings lawyer who is suing me on credit report multiple inquiries by messerli and Kramer, along with XXXX funding and now XXXX  which i guess is XXXX funding related??? Another report think XXXX has XXXX Funding just did charge off, yet they filed lawsuit in XXXX XXXX Wisconsin for supposed debt they " claim '' to own, yet XXXX did charge off of their collection on my credit report ... ..i got other weird things showing up ... pretty sure I've had identity theft now ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

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 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank allowed my ex-husband, XXXX XXXX, to deposit two checks made payable to both him and me with only his signature. I informed Chase Bank on more than one occasion that my ex-husband deposited checks made payable to both of us and that he refused to pay me my 1/2 share of the checks. Check # XXXX in the amount of {$3800.00} and check # XXXX in the amount of {$38.00} were accepted for deposit by Chase Bank with my ex-husband 's signature only on XX/XX/21. 

The checks were accepted for deposit by Chase into my ex-husband 's Chase Bank account ending in # XXXX and not our joint checking account ending in # XXXX that was left open in order to deposit checks made payable to both of us following the finalization of our divorce. Chase told me that there is nothing they can do although they accepted the two checks with only one signature and that they do not have a reporting procedure for checks accepted for deposit under fraudulent circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
THIS ACOUNT DOENT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The secured credit card application was denied.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Recently, I, XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX XX/XX/XXXX, I applied for VISA SIGNATURE FLAGSHIP REWARDS CREDIT CARD As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/22 I noticed {$1000.00} of unauthorized charges on my checking account that XXXX negligently did not notify me or stop. Called Fraud Department on XX/XX/22 representative Didnt get all charges and only issued a new card and has the nerve to ask me if I want to pay XXXX $ to have it expedited after this account has basically just been cleared out. I Went to a branch on XX/XX/22 to check for an update and get answers no remorse or answer as to me on why they allowed {$54.00} to go threw XXXX times! And I was told I must wait XXXX Buisiness days to get a provisional credit This is completely unacceptable! And they claim state of the art fraud alerts thats bull. And now I still have not gotten my money back as of XX/XX/22 I called again and was told there is nothing that can be done I have to wait XXXX more days until I see the credit. I will Be closing all my accounts and never use XXXX again. They are XXXX years behind in features dont care about account security and let Fraud happen. Rude agents on the phone and employees at the branchs dont care and have bad attitudes most of the time if you have to call them for any reason expect to be on hold for at least a half hour on a good day just to be told you have to be transferred and you will get a outsourced person the first time that speaks broken English. GIVE ME BACK MY MONEY YOU LET ME STOLEN FROM ME! I have bills to pay!! I can not buy food for me XXXX and XXXX and now will be late on my rent and have to pay fees for the banks negligence! I will also be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.

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 2022-02-01 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: TX

Complaint narrative:
I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX my dad initiated an international wire transfer from XXXX bank. He was charged a wire transfer fee. On XX/XX/XXXX, the funds hit my Chase account but there was {$15.00} missing. When the amount finally posted on XX/XX/XXXX, I was also charged an additional {$15.00} incoming wire fee from chase. 

They cant tell me why my wire amount had an additional {$15.00} missing. I called several times on XX/XX/XXXX and XX/XX/XXXX and also visited the chase branch on XX/XX/XXXX. They keep telling me XXXX charged an additional commission that was deducted from the principal. However I cant get anything from them in writing about what type of fee this was or why it was charged. I have sent and received wires before and usually theres just one fee charged to the sender and one to the receiver. Ive never heard of this commission and I cant get any direct answers from chase. I filed a complaint with them on XX/XX/XXXX reference no : XXXX ) but they said besides looking into in internally, they will not communicate with me the outcome of the complaint. These are predatory and unfair business practices as any fee or charges should be clearly specified and notated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a joint checking account with a friend a couple of years ago. It went negative XXXX dollars or so due to the other account holder. We lived at different addresses so I myself never received anything saying my account was overdrawn. I guess they charged it off. In XXXX citizens bank advertised to me a XXXX $ bonus offer for opening accounts. I opened them and in XXXX they took out over XXXX XXXX dollars out of my account. Now on XX/XX/22 they took out XXXX dollars out of my account. They never issued me a single notice. I never knew i had a chargeoff otherwise I wouldve paid it, or disputed it because it was not my purchases that caused the charge off in the first place or at least set up a payment plan so I can feed my family. I have rent insurance and a student loan all due this week. Gas groceries my daughters gymnastics classes. If I had known about this I would gladly set up a payment plan. We are in a pandemic. My wife lost her job. I am feeding my whole family including my parents and they took my paycheck. 

Very decieving tactics- they inticed me with a XXXX $ offer to open accounts. Made me set up direct deposits with my work into their bank. And took all of my money without notice of taking it or without notice that I had a charge off at all. 

They took my cash on the XXXX of the month. My bills are due. My family is hungry. There is an ongoing pandemic. My wife lost her job. Our family is being affected and all citizens cares about is taking my money without notice to pay a debt that belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: OH

Complaint narrative:
On XXXX separate occasions I asked Experian, XXXX XXXX, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the XXXX credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until XXXX weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX  who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
As of XX/XX/XXXX the account with the creditor I.C. XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor Convergent/XXXX  stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with Convergent/XXXX  . I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my XXXX credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law XXXX was suppose to inform me that something was about to go on my credit in written form. Never received that. Second Convergent/ XXXX has yet to validate this debt but XXXX allow them to place a Collection account on my credit reporting report. XXXX failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was 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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Today XX/XX/2022, I, XXXX XXXX, was denied an extension of credit by Capital One Bank. I applied for the SavorOne Rewards for Students credit card. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter being sent of the denial is both a proof and evidence that I have been discriminated against, you are also criminally liable. Capital One Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX sold this information of an account that was fraudulently established against me and now are trying to collect same debt that XXXX sold to them regarding the same account defaming my profile.

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