vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I see multiple accounts on my report that are inaccurate and the credit bureau are violating my rights by not properly verifying and providing documentation of method of verification for my dispute. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) and 15 USC 1681 a2ai of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 I received a text from Bank of America asking if I recognize a XXXX payment in the amount of {$1000.00}. When I indicated no, then a received a call from an individual introducing himself as a BOFA employee. Based on the conversation I was advised my account was hacked and needed assistance to reverse the money. 

I was scammed for {$3500.00}. On XX/XX/2023 I immediately contacted BOFA and reported that I had been scammed. Received a letter dated XX/XX/2023 from BOFA informing they were unsuccessful at recovering the funds. 

We have been customers with BOFA for 35 years. 

Thank You in advance for you cooperation in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account through JP Morgan Chase that I have had for over 10 years. I had overdraft protection on and am still repeatedly being over drafted and charged very excessive over draft fees. I've complained and asked for this issue to be resolved and the customer service with chase refuses to refund any over draft fees. In a 2 day period I was charged six ( 6 ) separate overdraft fee 's totaling {XXXX}. Three ( 3 ) overdrafts with each being XXXX} was withdrawn from my account on XX/XX/XXXX and than another three ( 3 ) transactions each totaling XXXX each was withdrawn on XX/XX/XXXX. I was also charged on XX/XX/XXXX for 3 separate charges of XXXX} totaling {XXXX}. So in three weeks I've been charged {XXXX. This is extremely ridiculous, I should not be getting charges hundreds of dollars when I had overdraft protection or if I have no money in my account. Why are you taking advantage of your customers. I am sharing this information with all my friends, family, and co-workers and for them to not bank with chase. Excessive overdraft fees, stop taking advantage of people, which is what this institution is doing to people. Will be reposting all of this and want a refund for XXXX} that you are taking from me that I dont even have in my account. Stop already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened my Ally bank in late XXXX. Ally has locked my bank since XX/XX/XXXX, since I tried using XXXX. The agent I first spoke to said it was probably because I have a new account I'm like ok no big deal it will be fixed, it ends up being worse. The first agent claims she can't help me and to wait and restricted my withdrawals. I then called again to speak to a different agent to see if someone else can help, instead, I get met with an absolutely rude and sarcastic guy that went by the name '' XXXX '' from what he told me his name was. He then starts pestering me with a bunch of irrelevant weird questions on why i chose to use Ally Bank XXXX XXXX, like that's a problem, its a bank.I have the RIGHT to use any bank and the features they have all that I WANT. HE then, started asking me questions about who sent me money, and where are they from, and it was just so bizarre and weird because that's not the topic of why I called. He then told me that It seemed like another device accessed my account which ( was my XXXX ) then he proceeded to have this sarcastic voice on and tells me " well we cant close your account the review is going to take 3-5 days. '' Because I told them I want my account closed. This experience has been the actual worst. I call today for an update, and this agent asks me if anyone told me to make an AlLy bank. Like what? NO! These people are treating me like I am XXXX XXXX or something! I also tell her why cant my account be unlocked..? The agent last week said it would take 3-5 days ''. She tells me " I don't know why someone told you that, we cant give you an estimate. '' No bank has ever been this messed up and not true to their word. I have money tied up in here.! Ally 's customer service has been so terrible, and disgusting, agents are sarcastic and weird, and make you seem like you're being questioned by the police. What a joke.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I initiated a transfer ( XXXX ) of {$3100.00} from my US account to my international account. 

On XX/XX/XXXX I received a notification that the transfer had been completed. As of XX/XX/XXXX, the money has not been delivered to the account. I have provived Remitly with copies of my official bank statement that show the money was never received.They claim that they spoke with my bank and that my bank told them the money was received. I asked them for copies of these communications with my bank ( They refuse to provide them ) because my bank told me they have not been contacted by Remitly, and they have not received any funds from Remitly. 

I have called Remitly on XXXX different occations and have been told different stories about what's going on, including : A ) The transaction is complete and I'm mistaken B ) My bank is closed ( lt 's not ) C ) Remitly will email their partner and get back to me ( they don't ) D ) Remitly is conducting an investigation and I'll hear back in 24-48 hours ( l never hear back ) I have checked with my bank multiple times and have checked the account multiple times. They money simply isn't there. My bank statements don't show the transaction anywhere and my bank tells me Remitly never transfered these funds. 

I have asked Remitly repeatedly to provide me with the emails they claim to have received from my bank stating the funds were deposited but they can't/wo n't. I have also asked to speak with the " internal department '' conducting the " investigation '' but have been told that I can't speak with them and that they will contact me once the investigation is completed. Each time I have been told that the investigation will take 1-3 days and I never hear back at the end of the 3 days. When I call or chat with customer service they repeat all of the above again. 

Last week I was told the final investigation would be completed and I would get a resolution today XX/XX/XXXX. When I called today I was told all of the above again and now they are supposedly conducting a new investigation. 

The {$3100.00} was meant to be a mortgage payment for my mom 's house. The bank is now charging late and overdraft fees because the money is not in the account for them to withdraw so Remitly is not only refusing to deliver/refund the funds but they are also costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
Last week, we got papers saying we have a court date on XX/XX/XXXX from National Finance Company. They have known everything thats going on. For 4 years we have been GREAT payers. We havent paid XXXX payment each, probably now XXXX since the dispute started. But since the court papers were sent they have been harassing us. Badly. Letters every day in the mail, phone calls several times a day.. i have been in CONSTANT contact with them about payments. Even tried to make a pay arrangement that they refused. We found out theyre trying to say we owe {$3000.00} a piece we only borrowed {$1500.00} ( me ) and my husband {$2000.00}. This was XXXX YEARS AGO. Since then, we have been paying XXXX $ or more in monthly payments for 4 years HOW isnt it paid off?! They get you to refinance the loan and pressure you to do the online signature in XXXX to XXXX mins, or else it wont refinance. But its not refinancing. When you do this the payments go up up up and ill tell ya why. Instead of actual refinance, they open ANOTHER LOAN in your name to pay the entirety of the previous loan PLUS whatever was leftover to pay!!!!! Its fraud!!! Misrepresentation!! Harassment!!! Extortion!!! And they use fear tactics like theyre going to take the property listed, shovels, hammers, drills. They can not legally take property GET THEM TO STOP AND FIX THIS! This company is a sham! They say they only have a 30 % interest % XXXX of XXXX is not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is reporting false information to my credit report such as unauthorize inquires dated XXXX XXXX and XXXX XXXX According to the fair credit reporting act anything inaccurate or unverifiable must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: OK

Complaint narrative:
I have accounts with : First Citizen Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ  XXXX XXXX XXXX XXXX I moved from my old to new address on XX/XX/XXXX I spoke with XXXX XXXX and asked him to update my address, he said he can't do it and told me to call XXXX XXXX. 
I called XXXX XXXX and was advised to write to First Citizen Bank  XXXX XXXX XXXX XXXX XXXX NC XXXX to update and add my cell phone number. 
Here is the copy of the letter. 

First Citizen Bank  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Change of address and add my cell phone XXXX XXXX I have checking account. Money market account and CD Checking account # XXXX Money market account # XXXX CD account # XXXX Old address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, OK   XXXX Phone # XXXX XXXX New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK  XXXX Phone # XXXX XXXX Please provide me the phone number for change of address. 

Sincerely, XXXX XXXX XXXX There is no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of credit information reported by Portfolio Recovery concerning an alleged debt on a XXXX XXXX XXXX  credit card account. This dispute is filed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I was shocked to discover that my recent credit report contains a Portfolio Recovery " collection '' allegedly owed to XXXX XXXX XXXX, initiated in XX/XX/XXXX. This information is categorically false and incorrect. I do not owe any amount to XXXX XXXX XXXX  as alleged in this report. The information being reported is false, inaccurate, incorrect, and fraudulent. 

It is important to note that the matter about the XXXX XXXX XXXX  account was conclusively resolved through a Joint Dismissal With Prejudice in XXXX. This legal resolution unequivocally confirms that there is no outstanding debt or obligation on my part regarding the said account. 

Attached are copies of the relevant documents that substantiate my claim. These documents include the legal dismissal paperwork, indicating a full and final settlement of any claims associated with the XXXX XXXX XXXX  account. 

I request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the correction of this inaccurate information on my credit report. The presence of this erroneous entry has the potential to unjustly affect my credit score and financial reputation. 

I trust that upon review of the attached documents and an investigation into the matter, the necessary corrections will be made to my credit report, removing any mention of this alleged debt. 

Thank you for your attention to this important matter. I look forward to a swift resolution. Please feel free to contact me for any further information or clarification needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I submitted the SAVE application on XX/XX/23. Since then I have called multiple times about not getting the email every 10 days, as Nelnet promised, informing me on the processing of my application. This organization has also been predatory when it comes to how they don't allow automatic payments above the minimum payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I just wanted to see if I was pre approved for a credit card through my bank chase and without my permission they signed me up for the credit card which I did not approve, I just wanted to see if I qualified not sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX Key bank opened an savings account and chequing account and on XX/XX/XXXX they closed the accounts for no apparent reason. The bank is XXXX and biased because they closed the accounts without informing us why! The bank has violated the 14 th Amendments ' Equal Protection Clause. Also the deposit that I deposited in both savings and chequing account was not reimbursed and I am really in need of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX of 2023 an unauthorized wire transfer was performed on my account with Wells Fargo ( someone hacked my bank account ). I did not authorize this and called bank immediately telling them this. Bank is saying that there was no money to recover from the other end so they will not return my money. I don't understand why this is since my money should've been insured. I have filed a case with the XXXX XXXX Department and charges have been filed, but no one has been apprehended.

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