vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: TX

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-08-15 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am writing regarding a banking matter concerning a Credit Card Bank failure to refund money from a transaction where a product was purchased and returned to XXXX XXXX. ( See Attachments # XXXX ) As you can see Verve Credit Card Statement, Closing Date XX/XX/XXXX ( See Attachment # XXXX ) Verve acknowledged the refund and credited my account for {$540.00}. 

Verve issued a check to me dated XX/XX/XXXX, which I attempted a mobile deposit for {$540.00} via XXXX XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, the mobile deposit was rejected, and the money was withdrawn from my account on XX/XX/XXXX. The transactions can be seen in the screenshots from XXXX XXXX XXXX XXXX website, including the {$21.00} Check Chargeback Fee. ( See Attachment # 3 ) I was told that type of check had to be deposited in person, so I attempted to physically deposit the check for {$540.00} at XXXX XXXX XXXX. You can see in XXXX XXXX XXXX  research the check was Returned Unpaid and included a {$12.00} Returned Item Fee. ( Attachment # 4 ) I have never received any money from Verve as a refund. Over the past year I have attempted to resolve this matter via telephone and the US Mail, and they have records to prove what Im saying is true. My most recent interaction was with XXXX XXXX, Customer Experience Support Analyst, XXXX XXXX XXXX XXXX. She essentially asked for items I had already provided, and she stalled hoping Id go away. But Im not going away until I receive payment of the refund. 

I have never received the payment I am owed by this criminal operation. They have withheld money I could have earned interest on, cost me {$33.00} Returned Check Fees, cost me time and money mailing evidential documentation, and untold hours of time trying to prove I never received the money. I know it would be a simple thing for them to see if that check was cashed. I can see when my checks clear. 

Please help me receive my refund from this unreputable bank, and to pressure them into obtaining a reliable accounting system, and hiring reputable employees capable of assisting honest customers.

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 2023-08-15 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
JP Morgan Chase initially closed a corporate card I was responsible for and charged off the total amount past due in XX/XX/XXXX. I disputed this claim in XXXX of XXXX as I was not supposed to be liable as this was a corporate card only. Now 14 months later, in an attempt to force me to pay the debt, have re-reported the account as charged off and listed the charge off date as XX/XX/XXXX. The has critically damaged my credit just as it was recovering from the initial charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: DailyPay, Inc
State: FL

Complaint narrative:
A charge was placed on my debit card that I did not authorize and had no physical way to do so, I have called my card issuer and expressed to them multiple times that the purchase was not made by me they continue to deny me of my request and withhold information about the transaction details and merchant details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: NV

Complaint narrative:
Lennar Mortgage has been very remiss in qualifying me for a the mortgage to purchase a home from their builder, Lennar Builder. The underwriter has had my bank statements, and other documents since XX/XX/2023. They refused to accept a copy of the Settlement Statement showing the transaction from the sale of my uncle 's property since his death, which traces the funds to my checking account, as well as a Court document which appointed me the Executor of his estate. They have requested more information, but failed to be spacific as to their request to my lawyer. 
They lied to me in regards to accepting a crypto funds transfer. I was told that the underwriter said they the V A does not accept transactions from XXXX  accounts. This was a blatant LIE! In the XXXX XXXX XXXX hand book page XXXX, XXXX it clearly states in the other types of income, that a XXXX transaction to cash is acceptable. 
XXXX XXXX believe there is a discrimination issue underfoot, and I hope you can get to the bottom of this nefarious activity

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 2023-08-15 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: DISCOVER BANK
State: KY

Complaint narrative:
I used my Discover Credit Card to purchase an engine from XXXX XXXX XXXX XXXX, of XXXX, FL, in XX/XX/2021. It never arrived and we never received it. I called the company and they sent me an emailed account form that says Discover voided the sale. I submitted proof to Discover of this document. They, without any explanation, refuse to defend that it was paid to the merchant because either Discover or the XXXX XXXX XXXX is committing fraud. Discover is supposed to protect me from the fraud either way. They dont want to make it right. I have filed multiple disputes and sent correlating documents many times and made many calls to Discover to no avail. They even refuse to respond to the voided sale document to defend if they paid in my behalf, as it would be an admission that a conflict exists that needs rectified. They have the copy of documents and continue to send me denial letters without any defense at all. I am seeking legal counsel. Discover was paid by me in good faith the full amount of {$1200.00}, as they billed me for it. 
I should be reimbursed by Discover and if they actually paid XXXX XXXX XXXX XXXX, they should seek reimbursement. If they didnt pay XXXX they need to reimburse me either way. Once legal fees come in, I will seek other damages. 
I want every regulator/ agency involved that this falls beneath their scope of authority.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: NV

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 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 2023-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CARS Acquisition, LLC
State: NY

Complaint narrative:
I'm being charged a 29 % interest on a loan that I couldn't continue to pay because the interest was too high. I ended up getting the vehicle repossed because I couldn't afford the interest. I have called for the original contact and validation of debt multiple times and they don't send it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NV

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 non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-15 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: NV

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Bankruptcy XXXX XXXX was dis charged XX/XX/2014. Docket identifier # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NC

Complaint narrative:
For the last 10 months I have sent in disputes, disputing the negative items on my credit report as of todays date the only thing that was postive done on my credit report was that XXXX removed the bankruptcy from my credit report XXXX and Transunion have not removed the bankruptcy nor have they made any major change on my credit report.My personal information is STILL INCORRECT AND THERE ARE STILL INACCURATES ON MY CREDT REPORT!! All 3 credit bureaus ARE in violation of FCRA -FAIR CREDIT REPORTING ACT, MYname is incorrect see : social security card! this my last attempt for all 3 credit bureaus to correct and delete all items from my credit that I attached with this complaint if not I will consult an lawyer and file a law suit see : attachment!

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 2023-08-15 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: NC

Complaint narrative:
For the last 10 months I have sent in disputes, disputing the negative items on my credit report as of todays date the only thing that was postive done on my credit report was that Equifax removed the bankruptcy from my credit report Eperian and XXXX have not removed the bankruptcy nor have they made any major change on my credit report.My personal information is STILL INCORRECT AND THERE ARE STILL INACCURATES ON MY CREDT REPORT!! All 3 credit bureaus ARE in violation of FCRA -FAIR CREDIT REPORTING ACT, MYname is incorrect see : social security card! this my last attempt for all 3 credit bureaus to correct and delete all items from my credit that I attached with this complaint if not I will consult an lawyer and file a law suit see : attachment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: GA

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.

has violated my rights. Or list of inquiries 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 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 non-monetary relief
Consumer complaint received 2023-08-15 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: Car Credit Inc
State: MO

Complaint narrative:
On XX/XX/2023 I applied for a vehicle at XXXX XXXX XXXX XXXX XXXX  and was denied for having a repossession and credit report, said company above is attempting identity theft by not returning my application with my information on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23, I submitted XXXX XXXX transfers of {$200.00}. Upon realizing that I was the victim of a scam, I reported this to Chase Bank. Chase opened a fraud claim ( # XXXX ) and on XX/XX/23 informed me that " no action will be taken '' and that " this is resolved ''. 

While I acknowledge that I initiated this transition, I am disappointed that the " investigation '' yielded no tangible information. I am employed by a member bank, one of the seven banks that own XXXX through EWS. I was recently versed on Reg E., XXXX, and fraud through my work at the member bank. Chase failed me on many levels and will continue to provide poor service unless the CFPB puts a stop to them. 

Chase did not ask me for the email evidence proving that this was a scam. I offered it. I'm suspect that an " investigation '' took place. Wouldn't it be in everyone 's best interest to find these bad actors and ban them from using the XXXX network?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Complaint is against Capital One Bank  and XXXX XXXX The response to my claim # XXXX through CFPB is unreasonable. After waiting for more than 2 months Capital One is recommending me to follow up with recipient bank which is XXXX XXXX. I have done this follow up on XX/XX/XXXX with XXXX XXXX and was informed : 1. the account number was incorrect so the money was sent back to Capital One within three business days 2. since I am not their client any further follow-up must be with Capital One. 3. XXXX would work on the matter with Capital One. Capital One is washing it's hands off my claim without just cause. I need their fraud department to fully investigate the matter along-with the fraud department of XXXX XXXX  and come to a proper conclusion and to locate the {$10000.00} transferred from my account. Please call me @ ( XXXX ) XXXX or email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The Bank of America open an account whit out my permit

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 2023-08-15 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: GA

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.

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or list of inquiries 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 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to unfreeze my credit with Equifax so that my student loan can be processed. They have been unable to verify my identity online, over the phone and through their verification services. I have sent in documents to them that they said would process within one hour of arrival and they still have not logged them into their data-base despite having USPS confirmation of their arrival. I can not receive my student loans and get qualified for my apartment because of this and there has been nothing they are willing to do to help. I have done every single verification they have asked of me, I have spoken to over 20 Equifax employees. Sometimes they say they can't even find my information and I have to hang up and try again with a new person who will find my account info as it is clearly in the system. This is causing a significant impact on my life and my financial situation. It this freeze does not get lifted imminently, it will cause serious and irreparable damage to my future.

Company response to consumer: Closed with explanation