vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo won't stop harassing me about fraudulent charges on my account ending n XXXX. They claim the charges are valid but at the same time say they are not insinuating I made a false fraud claim or false police report. Well not sure how else I can take it. They also say it is unlikely that a fraudster would make charges in a similar area as another fraud claim I made. Fraudsters will commit fraud where they have been able to do in the past. 

I can not drive due to eye issues caused by XXXXXXXX XXXX so I could not possibly drive to the location in question which they claim is 16 miles from where I live. I have filed for XXXX because of this XXXX and attached the paperwork I had to fill out for my XXXX  claim. I ca n't drive, no one drove me to the location. The fraud occurred during the day and my husband is not home he is at work so he could not have driven me. 

I nor anyone else known to me made these fraudulent charges. I can't afford to pay for something I did not buy. I am a XXXX XXXX XXXX and never shop at extravagant places like XXXX XXXX. My budget is limited. I've even resorted to having my husband take me to the XXXX XXXX XXXX XXXX to get free food. 

Wells Fargo keeps saying the same thing when I file a complaint - charges are valid and they are not and they are not insinuating that I made a false fraud claim or false police report. In reality they are accusing me of making a false fraud claim and false police report - otherwise how could they continue to say the charges are valid.

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 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I received a pre-selected offer from Santander Bank ( offer code XXXX ). On XXXX, I submitted my application and I was subsequently denied the loan. The letter of denial was from XXXX XXXX ; it stated the bank was unable to provide me with a loan under the terms that I had requested. 

I contacted Santander on the morning of XXXX to inform them that their computer had provided me with the loan amount and related terms. I was then told that my loan was not approved because I had received a loan from the bank in the last 90 days and they just used this formatted denial letter for a host of different reasons. 

I informed the bank representative that I only applied for the loan because the bank had sent me the pre-selected offer and I didn't appreciate a hard hit on my credit and denial as I most certainly wouldn't have applied for the loan had I known I needed to wait at least 90 days before applying for a new loan. 

I requested that my case be escalated to XXXX XXXX and I requested to reach out to her. I was told that XXXX XXXX just signs the letter and she was not available to actually speak with anyone. I was told that XXXX XXXX, who answers to XXXX XXXX, would reach out to me within 24 hours concerning this problem. 

48+ hours later, I had not received a call back from XXXX XXXX XXXX I called Santander again and asked to speak with XXXX. I was told that she was unavailable and I would just need to wait for her reply. I was also told that she had not even looked at my case.

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 2023-04-19 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: CA

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 an 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 or 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 an 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 or 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am currently disputing inaccuracies on my report with XXXX, along with unauthorized inquiries to my report, but this complaint is to address all 3 bureaus in accurate reporting of my utilization credit availability which affecting my score drastically. I have XXXX in credit, and utilization of XXXX across all avail credit which is less than 5 % but they are reporting 101 % utilization which if affecting my credit score drastically. Can you assist me in correcting this issue I have addressed it multiple times. 

Thank you in advance

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a flight on XXXX that was supposed to earn 6.5 % cash back as per the link. Upon checking and confirming with customer service representatives I received less than that. 

I signed up for a 6.5 % rewards rate for travel purchased through Chase Ultimate Rewards. I have shared link below but also provided screenshot in case they end up changing the page. Anyways this screenshot shows the rewards rate I signed up for in XXXX, which I also called to confirm. But NOW, when I call I am being given the run around no one can answer why my rate is not 6.5 %. I sent multiple secure messages through chase portal, called and nothing. 


XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX Then after calling today on XX/XX/XXXX and being transferred multiple times and being on hold for over an hour the call mysteriously dropped. 

Seems no one can answer my questions directly and are instead sending broad responses to specific questions that still have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't know what their reasons are when they're reporting me as late even though I'm never late so please look at the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2023 I applied for an airline credit card via Bank of America and was approved. The card never arrived. I called an inquired and was told it would be sent again and received an approval letter at the address requested. The card was never sent. Then they closed the account without contacting me ( finding out later they sent a request for more information to an old address they inquired about ). So they pulled my credit, approved an account/line, then closed it. They refuse to resubmit or remove their self imposed fraud designation- which was not fraud. 
They now refuse to help and told me I could reapply - thereby hard hitting my credit again over their mistakes and would now base their new decision on a less credit score because of their self imposed penalties when I did nothing wrong.

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 2023-04-19 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX XXXX - BALANCE {$15000.00} - XXXX XXXX {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with Experian because they were reporting inaccurate and false payment activity for an account on my credit report. On this particular account, Experian was showing payment activity for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but the account was not opened until XX/XX/XXXX. 

Experian received this dispute on or about XX/XX/XXXX and completed reviewing my dispute on XX/XX/XXXX. 

Rather than remove the account with the inaccurate and false payment activity, Experian intentionally and maliciously decided to remove two years of positive payment history from this account. 
This action by Experian adversely affected by credit report and credit score.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I filed a dispute with Chase bank concerning my deposit of {$1600.00}. I received an error message saying were having trouble and printed out a receipt. Upon receiving the printout, I called the bank to make them aware of the error and which I provided the information off the printout and was told it will be investigated. Fast forward to XX/XX/2023 I checked my documents and letters to check the status and saw the claim was denied so I called the bank. I spoke with the first representative who told me the only way I could reopen the claim if I have the paper and I did not keep the paper because I thought once I provided the information, it would be resolved. She basically told me, theres nothing they could do without that receipt. I asked to speak with a supervisor name XXXX and he told me the same thing so I filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt Collection Agency is attempting legal action for a Debt they have refused to substantiate. I initially received a letter saying they had purchased the debt during the height of the pandemic.

I requested a copy of the signed credit application, payment ledger if applicable, balance due at time of default if applicable and they have refused to respond or provide the information in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : 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 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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My checking account disappeared from my online banking and app of chase. The situation started sometime between XXXX. XXXX and XXXX. XXXX. The situation ends on XXXX. XXXX. However, I am writing to complain several things during the time period. 

XXXX. There was a customer service person reaching out to me regarding management and investment for my other accounts. I complained about this. He promised me this can be resolved and the rent I already scheduled out on XXXX. XXXX will arrive on time. He also made a follow-up call for XXXX. XXXX, after assuring me the rent I paid will be received by my landlord. Turns out this is not the correct information, which results in a {$37.00} fine from my landlord. 

XXXX. From the XXXX, I tried to reach out to chase in other means than phone call because I was sick and wasn't able to speak at that time. The chat bot on the app was not helpful. But later I I can contact chase on the social media, therefore I contacted it through twitter. I believe this was how the disappeared checking account got restored. 

XXXX. On XXXX. XXXX, the customer service person reached out to me again. Since he doesn't has accession to resolve my issue, he redirected my call to another customer service person ( the second customer service person ). The second one wasn't able to listen to my problem or understand it, because he insisted to look for a {$37.00} charge on my account. Therefore, he transferred me to a third customer service person. 

XXXX. The fourth customer person seems to be trying to trick me to say something against my advantage. She tried to make me say I didn't make the phone call regarding my account. However, I was reached out to by a customer service, and I reached out to chase by other means when I was not able to speak. She then said my account was frozen at that time because it was suspected having some fraud. I asked her why chase didn't give me any notification about this suspicion or account frozen issue, she said she need to redirect me to the security department but then the call was hung up. Moreover, the " fraud suspicion '' was incompatible with the explanation in the secure message on XXXX. XXXX, which states that the account was dormant, not frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CARD Corporation
State: NJ

Complaint narrative:
My complaint since I found out Im an identity theft victim, XXXX is a checking prepaid type of account. I stayed at the XXXX in XXXX nj for 3 days, renewing the reservation and paying daily. The last day I was charged XXXX + dollars for XXXX night which was XXXX $ and charged an astronomical amount. I called them and XXXX immediately, and XXXX just sent me a letter stating I wasnt getting the funds back. They investigated and somehow without my statement closed my account finding XXXX the right one. I too own a business am an upstanding citizen but they chose to side with XXXX over charging me as well as XXXX. Never giving me my hard earned monies back. I disputed that too but XXXX weeks later Im still waiting. If I stole from ppl Id be in jail. This isnt fair! I would like this bank investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XXXX XXXX XXXX, I transferred {$30000.00} from my Bank of America checking account into my savings acct online, but I accidentally transferred it into my Visa Rewards Signature Account instead. I immediately called ( XXXX ) to have this fixed and was told over the phone that we had to wait until it was posted for it to be returned. I called on XXXX as it had been posted and spoke with XXXX who informed me it would take 3-5 days for it to be returned as they had to ensure it wasn't fraud money. I gave them more days than that. On XXXX I called back because I still hadn't received my money back into my acct. I spoke with XXXX and he stated up to 10 days from right then as the process had to start over since I was making the request again to have the money replaced back into my account. On XXXX, still no money, I spoke with XXXX and XXXX and am now told up to 48 hrs for the money to be returned. It is now XXXX and my {$30000.00} has not been returned to my account. I had a XXXX balance on my card so there has been a credit for {$30000.00} for over a month now that they will not return. I have called again today and am waiting for the XXXX XXXX XXXX to call me back - his name is XXXX XXXX. If it was reveresed and I owed them {$30000.00} I would have to pay significant amounts of interest. This is fraud as they are making money off my error that I tried to rectify immediately. This is in violation of the CFPB 's 1026.11 regulation

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Incorrect information on credit report.

Company response to consumer: Closed with explanation