vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
As I testified at the recent XXXX hearing, I wanted to get a credit card with airline miles with more destinations than the one I had. I read the reviews, weeded out paid for advertising, compared rates, and read all the online disclosures. I even called customer service to be sure I understood some vague terms. With that, I opted for the Chase XXXX card. It was offering bonus points if I spent a certain amount in the first two months. I did all of that. I tried to book a trip to XXXX and later to XXXX XXXX. I started off on the domestic XXXX site, put in my trip, clicked on the use points option, and was rerouted to the XXXX website to complete my booking. For the first time ever, I saw that there was a fee to book the XXXX XXXX flight to XXXX. It was + {$450.00} CA. To see how much I was saving, I went to XXXX to see how much airfare would cost outright. I found the same United flight-same day, airport, and time-for {$420.00}. It was cheaper not to use my points. The same happened when I tried to book my flight to XXXX XXXX. I called Chase, which transferred me to XXXX. When I asked why the website transferred me from US to XXXX, he replied " we're a XXXX company, what do you expect? '' When I pointed out for purchase I would stay on the US site, he repeated that statement. I asked him to explain why I was transferred if that would cause a fee. He said " I could explain it to you, if you want. Do you want me to explain it to you? '' I asked him to explain since that was the point of my call. With a deep sigh for his troubles as a call center employee, he explained in essence that since I was " buying '' the airfare with points, I had to be transferred to the XXXX website for the transaction, and while there, I had to pay a foreign transaction fee. I don't have historical conversion figures, but does {$420.00} US convert to {$450.00} CA on or about XX/XX/2024? These points and rewards offered by Chase and XXXX are completely illusory. I spent the money required for points that I will never use as it will always cost more than buying the tickets outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-25 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: SC

Complaint narrative:
*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated 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 non-monetary relief
Consumer complaint received 2024-05-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 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 explanation
Consumer complaint received 2024-05-25 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, AND XXXXwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-05-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, EQUIFAX, AND XXXXwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
Domestic wire transfer was requested on XX/XX/year> and verification was done on the same day. Even after XXXX business days, wire transfer was not completed and discover bank kept saying its stuck with XXXX XXXX and they cant do anything about it. this looks to be scam/ fraud with discover bank since they don't provide any information about intermediate bank and as a consumer and account holder how I can trust that money was transferred to XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
To Whom it may concern : You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX in XXXX of 2022 put on my Transunion credit report that I owed them XXXX dollars I asked Transunion to dispute this frivolous item on my report and the next day Transunion said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting. Also, this period was during COVID 19, and it took me some time to notice the inaccuracy because I was sick in the hospital with covid and had a loss of income. It was not for a couple of months after regaining my health that I noticed this was on my credit report. 

This is the account 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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I started making payments for the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. I made payments of {$350.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX, and {$800.00} on XX/XX/XXXX totaling {$5100.00}. On XX/XX/XXXX we found out from the XXXX XXXX hotel the venue for the rooms and comedy show which was supposed to be XXXX that the event was no longer happening. XXXX XXXX reached out on XX/XX/XXXX saying it was not their fault for cancellation and the hotel messed up the booking. XXXX XXXX reached out again on XX/XX/XXXX about us receiving a refund and said to allow XXXX weeks for this to take place. No further communication was received from XXXX XXXX and they filed for bankruptcy in XX/XX/XXXX. I have filed this dispute previously and several times through cashapp which is the company I used to pay for this service and have been denied each time due to charges being outside of the 60 day dispute window however initially XXXX XXXX stated they were going to issue a refund on XX/XX/XXXX. They later filed bankruptcy. They have since defaulted on the bankruptcy and now their attorney has withdrawn himself from the case due to XXXX XXXX unwillingness to listen to his counsel. I have seen several other people refunded their money from their credit companies and ask the same consideration. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In 2006 I was given a Wells Fargo mortgage when I was actually unemployed. This was a predatory loan I am sure. I was set up for failure. When I sought out a modification, I was told I had to miss three mortgage payments to qualify. So that's what I did and I never recovered and this led to me losing my home. I lost my home when I only owed {$3000.00} but Wells Fargo wouldn't work with me. Yet they gave me this loan knowing I had no job T the time. There has been great hardship and disappointment. I feel I was lied to and just not treated appropriately in this situation. Please advise if I have a valid complaint.

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 2024-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank financed an XXXX  that I bought in XXXX. I paid off the loan in XX/XX/XXXX and they sent me a lien release. However I can not get the title because it is an electronic title supposedly filed with some electronic title company and Fifth third keeps saying they don't have the title so they can not send it to me. I live in NC and they keep telling me that I can not get the clear title because fifth third has not released it to them from the electronic title company. I've been told over and over again that there is no longer a paper title for this vehicle, only an electronic one, and the only one who can release the electronic title is Fifth Third. I have been trying to get this resolved for over a year and a half, I have called fifth third numerous times and been to the NC DMV several times and everyone says they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/11 I submitted a dispute for a transaction I had canceled on my Sofi checking account. After 10 business days I followed up to get an update on the dispute. I was told that it is still being researched and could take up to 90 days. I informed them about Regulation E requiring a provisional credit and was informed that I would not be issued one. I informed them that they are in violation of reg E however they still refuse to issue a credit while they research the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: SC

Complaint narrative:
15 USC 1681eb. Inaccurate information on XXXX account. The account is closed and showing open on 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 non-monetary relief
Consumer complaint received 2024-05-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
15 USC 1681eb. Inaccurate information on XXXX account. The account is closed and showing open on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please note that this is not a duplicate complaint. I used CFPB to communicate with you to resolve about disputing my online personal loan with the Wells Fargo loan bank that was obviously COERCED since I was DEFRAUDED last year, which is being acknowledged and recognized by the FBI now. And I have now an ACTUAL ON-GOING CASE with the U.S. Department of Justice 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