vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-11-27 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have been trying to submit my payment for our mortgage, due on XXXX  for about a week now. I have tried accessing the website XXXX XXXX XXXX XXXXXXXX XXXX as well as calling the pay-by-phone number ( XXXX ). Our monthly statement says it is XXXX subserviced by LoanCare. The amount due on XXXX XXXX XXXX. No e-mail address is provided by the company on our paper statement nor could I find one online to start creating a paper trail. When I call the number XXXX XXXXXXXX XXXX I receive a message " call could not be completed due to technical difficulties- please try again '' and then the line hangs up. I have the money ready to submit and I want to make sure that no late payment is recorded so that I do not have to deal with a late payment being reported to credit monitoring companies and so that I do now have to deal with any late 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 explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  my PayPal account was compromised and someone bought crypto with my bank account. I notified my bank filed dispute they reverse it. They told me notify PayPal file dispute which I did but PayPal refused do anything try say legitimate charge and wont let me do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a Chase Sapphire CM. A few days ago I tried to complete a wire transfer that got cancelled by my bank ( Chase ), I called in to request the reason, they advised me that they were likely having a system issue and I should try again in a few hours. I tried the next day and again the wire was cancelled, after calling again I was told that my account has a restriction notice and will be cancelled, when I asked for the reason they told me that is confidential info and will not tell me! I've been on the phone with them today for over 1 hour talking to all sorts of departments and no one can tell me what's going on, eventually one of the supervisors I was talking to placed me on hold and disconnected the call. 
I have been a customer for close to 20 years and have NEVER had a problem. I keep appropriate amounts of funds, I have other Chase products, my salary is direct deposit... again, I cant imagine why they would do this. And the fact they wont tell me why is very upsetting. 
I am being treated as a criminal and that is not acceptable. Cancelling my account will bring me enormous pain as I have mulitple direct debit and credits linked to this account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STELLAR BANCORP INC.
State: TX

Complaint narrative:
In early XXXX XXXX XXXX XXXX, I made direct deposits to the applicable XXXX XXXX XXXX XXXX XXXX  at Stellar Bank. At the XXXX XXXX in XXXX teller XXXX carefully viewed each account to ensure the proper deposits to cover loans. In XXXX the same was done at the XXXX XXXX XXXX Stellar Bank. But I began receiving phone calls from Stellar Bank that my accounts were overdrawn. I informed her that was not so and I had the support of both tellers confirming my position and deposit slips. It did not matter. I emailed a second notice to XXXX XXXX, XXXX, Stellar Bank XXXX XXXX XXXX was assigned to these concerns. XXXX and another representative earlier reduced my checking accounts to avoid monthly small fees. Things became so desperate that I allowed XXXX to be in charge of XXXX XXXX accounts. However, I opened yet another letter from Stellar Bank dated XX/XX/, indicating now that a loan account has a total principal due of {$620.00} and interest due of {$910.00}. When XXXX XXXX left Stellar Bank, only then did problems surface. Once, XXXX located {$1600.00} deposited that a teller had not made. If there was an issue, he would call me and we would resolve it. XXXX XXXX XXXX XXXX and only problems under him.

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 2023-11-27 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: NJ

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to close my account on the citi website. 
My complaint is that are deliberately making it very difficult to do so, hiding the options to do so, providing misleading information for how to do so, then forcing the consumer into a marketing/retention call. 

I went to the app, no ability to cancel. 
I went to the website, no ability to cancel. 
I opened the chat feature, asked to cancel, and it send me to phone support I called phone support and was put on hold for XXXX minutes. 
After being on hold, a person answered and asked me what i wanted, I said to close my account, and they said they had to transfer me. I asked not to be transferred and they refused. 
While waiting on hold I put my close account request into the chatbot again, and it said ( this time ) it could connect me to a rep. 
The rep connected and " reviewed '' my account, then asked the reason for my cancellation, which i told her ( didn't want to pay the annual fee ), then she told me i had to go through the voice system. 
Around this time, I was connected to the " account specialist '', I asked this person at least XXXX times " Please close my account '', and they would not refuse, but would not comply, instead trying to get through their retention scripts. 

This is abusive behavior, this is friction deliberately put into the system to discourage people from cancelling the card, and I think companies should be forced to allow cancellations to be done at least as easily as signups.

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 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX i received an American Express XXXX XXXX in the amount of {$2000.00} from my employer. Upon trying to use the card it was being declined. I called the number on the back of the card ( XXXX ) XXXX and was transferred to customer service. The representative asked for all of the card details and advised the card would become active within XXXX hours. Immediately after hanging up the phone, there was an unauthorized charge of {$1100.00} on the card to XXXX XXXX. i called the number back and spoke with XXXX XXXX who took down my info and opened a claim, he also locked the card. American express wont offer any solutions. 

XXXX. Called ( XXXX ) XXXX. It has you put in your card number and code, then says to call ( XXXX ) XXXX. 
XXXX. Called ( XXXX ) XXXX ( Found online ). They have you put in your card number and code, then they say it's not authorized and transfer you to someone who says they don't handle American Express. I asked who they do handle, and she wouldn't reply and some guy was behind her with a script thatI needed to call ( XXXX ) XXXX. She asked for the card number which I refused since I already input it. I told her that she already has that, which she denied. She wouldnot tell me who they handle and what their affiliation with American Express was. I hung up. 
XXXX. Called ( XXXX ) XXXX - spoke w/ XXXX XXXX XXXX They've locked the card and put a hold on the pending transaction. The trnansaction has not cleared yet. - CLAIM # XXXX XX/XX/XXXX filed a complaint with XXXX  Complaint ID : XXXX XX/XX/XXXX filed a complaint with FTC Report Number XXXX XX/XX/XXXX called XXXX spoke to representative ( didnt get name ) who said the case is being investigated and will be resolved in XXXX days. I asked to speak to a supervisor and they said no they could not transfer me and i asked why and they repeated that they could not, so i asked why again and they said they were transferring and put me on hold over XXXX hour. 
Called back and spoke with XXXX who confirmed the same details of XXXX days. i asked to be transferred to a supervisor, put on hold over XXXX hour

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have my house payment financed they XXXX XXXX  or Loan care. I usually pay online and am current with my payments. My XX/XX/XXXX payment I have yet to pay bc their website is currently down and the phone number of XXXX no one is answering and recording states systems are done. I am worried about accruing late fees and damage to my credit but I have no way of making the payment online or via phone. If I mail in a check, with their systems down I am hesitant bc they will not be apply or process it to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  this account is inaccurate and was not on my report a week ago and now it has appeared on my report I request to have this item blocked and removed from all credit reporting agencies immediately And I was told once items are removed they would not be able to be place or reinserted onto person credit report after valid removal.

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 2023-11-27 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX on my Citi Double Cash card. A few days prior to making this purchase, I enrolled via Citi 's portal in an offer for cashback at that retailer as part of " Citi Merchant Offers ''. The offer was for " 8 % back when you shop with your linked card at XXXX XXXX  ] and spend a minimum of {$250.00} '' and the offer expired XX/XX/XXXX. The amount I spent was approximately {$470.00} and appeared on my statement as " XXXX XXXX XXXX 

I waited about XXXX weeks and after seeing no statement credit for the promised 8 %, I called Citi on XX/XX/XXXX. After explaining my situation to the representative, they informed me I would need to make a " rewards dispute ''. I clarified I did not want to dispute a transaction, nor the rewards points earned, but that my issue was with a " Citi Merchant Offer ''. They insisted this was the path to take, so I did so. They said I would hear from them in about XXXX days. 

After waiting an additional XXXX weeks and receiving no communication, on XX/XX/XXXX I called Citi again and explained the same issue. The representative informed me there was no record of a prior " rewards dispute '' but that I needed to submit XXXX again. I insisted there was XXXX, but they said they couldn't find it. I submitted a new rewards dispute and asked for a confirmation number, but they said there was none. Frustrated, I insisted I receive some sort of confirmation before hanging up given that I had already done this once. At that point they said they had located my prior dispute but that it had not been acted on. I told them I expected a response in 14 days. 

Shortly thereafter I received a letter from what I assume was my initial call, indicating that the correct rewards points were issued for my purchase. This of course was not my issue despite my clear explanation in that vein. Now, a month later, I have received no follow up from my second call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a Nordstrom credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with XXXX, XXXX added an additional 3 years added to the negative action, and did not remove the action. I have called Nordstrom several times now, they've indicated that XXXX was told to remove the action, it was included in the XXXX  XXXX, and XXXX disputed that Nordstrom told them this information and questioned the veracity of the statement. I am caught in the middle between Nordstrom informing me that they're telling XXXX to drop the negative action on my report, and XXXX saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my BK attorney to see what, if anything I'm able to have them do to get this negative item off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name and account was place in the XXXX  in 2018 because of report of fraudulent activity. I have tried several different times by phone to contact BOA but was not able to be verified in their system. I was told to go into XXXX of their branches and ask to be verified, I tried several times but could not be verified. The last time I entered into XXXX of the branches I was told by a representative that my account is closed and I could not bank with BOA ever again. Im not looking for information I already know. I was told by XXXX  that BOA has to be the one to remove my name from off the system. This has been five years and that is how long my name can be kept on XXXXBOA was suppose to already taken my name off XXXX  by law.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2023, my bank allowed a fraudulent wire transaction to take place without my approval or authorization in the sum of, {$190000.00}. It was determined in XX/XX/2023, after an internal investigation, that the money wold be recalled ( returned ) to our bank account. We found this out after filing a previous complaint with you all, the Consumer Financial Protection Bureau. 
To date, the money has not been returned and, we have been trying to speak with an executive at Chase Bank to ask that, in good faith, at least half of the monies be returned to our bank account as we have employees on payroll and rents to pay. This situation has put our organization in a very delicate financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MOHELA
State: MA

Complaint narrative:
I have XXXX federal loans serviced through Mohela, all eligible and being counted for XXXX. XXXX of my loans ( Loan # 's XXXX and XXXX ) have already met qualifying criteria for forgiveness. I have been waiting on Mohela to process the paperwork for my employment certification ( submitted on XX/XX/23 ). Hence I have been charged for these loans in XXXX, XXXX and it appears again in XXXX even though I should have XXXX qualifying payments. 

To make matters worse, Mohela strangely put my remaining loans in forebearance, meaning I am not getting any credit for payment on these AND am being charged interest. I have called at least XXXX times to get this corrected with each representative giving me different and conflicting information. I have asked to speak to a supervisor and no one will let me. I have sent emails on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 with no response. So Mohela is charging me on loans that should be closed and disallowing me from paying loans that I need to pay to meet my XXXX qualifying payment count, and charging me interest. It feels like this company is intentionally stealing from it's consumers. I've raised this issue with my congresspersons and am advancing it here for hopeful resolution. 

Mohela has acted with complete disregard every time I've called to try and gain resolution and I refuse to continue to be taken advantage of like this.

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