vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
I understand FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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 2024-05-14 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: NY

Complaint narrative:
I requested verification of an account on my credit report. I also had that same account deleted in XXXX only to be reinstated, which a violation of 15usc 1681I unverifiable and inaccurate being reinstated to credit reports. as a result of this my credit score was decreased significantly. this is unfair because i dont have any delinquincies on my report and the credit acceptance account status is closed and paid in full.

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 2024-05-14 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: NY

Complaint narrative:
I requested verification of an account on my credit report. I also had that same account deleted in XXXX only to be reinstated, which a violation of 15usc 1681I unverifiable and inaccurate being reinstated to credit reports. as a result of this my credit score was decreased significantly. this is unfair because i dont have any delinquincies on my report and the XXXX XXXX  account status is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have money in my account which I can't access. I wanted to make a wire transfer out but it got cancelled by the fraud department. When i call and request for the balance I'm still authenticated properly and I can listen to my account through the phone just like my balance and the rest. But when I check online. It says account blocked. I need to be able to make transfers out of my account. I called the bank and i was told a reference number would be delivered to my address so I can be verified and have my account back active. But its been two weeks now and I've not seen any letter. I guess no letter was sent. This is the same address I use in receiving updates from the bank like my card and the rest. But now i can't have access my money in my account. I need this fixed as soon as possible. I have about XXXX in my checking 's account but i can't do anything with it because my account is blocked and i need to verify. I've been waiting for a letter for two weeks and I'm yet to receive anything

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge about them, and the company conducted them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've always ensured that payments on this account are made on time, never letting them become overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be corrected.

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 2024-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
Spoke to XXXX XXXX XXXX XXXX XXXX  loss mitigation he said they have received the XXXX trial payment. Payment was put in a suspense account, because corporate missed signing all the final modification documents. My payment has not been applied to my mortgage. The signed final contract was received on XX/XX/. The loan has to be reset with the changes that were to be made. Spoke with Loss Mitigation supervisor XXXX because I received foreclosure letter from foreclosure attorney asked why my house in foreclosure I have made payment and sent final documents back. Flagstar supervisor said flagstar back end did not process final document correctly.

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 2024-05-14 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: FL

Complaint narrative:
XXXX XXXX Experian continue to report incorrect information on my consumer report. My name and address is incorrectly reporting and I previously disputed this same information and they stated they remove it but I paid for a copy of my consumer report and the information still appears on the report. I have provided proof of my identity and residency to prove this information should not be reporting on my consumer report. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, FL 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 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited to check in my son-in-law 's account that I got from my lawyers from the car accident. The tellers at the Chase Bank said it'd be okay to do that and I'd have my money in XXXX  days. It's been XXXX weeks they froze my son-in-law 's account they've got my check in fraud they won't give me my money back or my check. Cuz I'm not the account holder which they've closed his account now. I have a Chase account with you now but I can't do anything with that no money. I keep asking for my check back and they won't give it to me I want my money I have the obligations I have to pay and I have no way to get it they keep giving me the runaround on the phone over and over and over again I keep making complaints to the XXXX XXXX XXXX to your husband 's head department I'm getting nowhere and I need to get my check back or do I need to get my lawyers involved thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was fraud on our account with " in-person '' purchases from XXXX. We have not been to XXXX and did not make the purchases. Chase bank first removed the charges ( XX/XX/XXXX ) but later added them back ( XX/XX/XXXX ) because my wife said that she did not lose her bank card. 

It's a shame that we have to educate bank executives but essentially, thief 's use shimmers to collect XXXX chip data and then load that info on to blank ( magnetic strip ) debit cards which can be used at certain retailers. XXXX XXXX & XXXX XXXX put out a security report on how this is done. XXXX XXXX & XXXX XXXX opened XXXX bank accounts in the XXXX ( all major financial institutions ) and then did the hack on XXXX of the bank cards. 

The bottom line is that XXXX chips are not secure and when fraud occurs, customers are not responsible to cover the funding of criminals who steal money. 

Cracking the Uncrackable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TN

Complaint narrative:
It has come to my attention as of recently upon reviewing my most recent CFPB complaint ( complaint number : XXXX ) that the accounts that were requested to be removed have not been deleted from my consumer report with EXPERIAN. These accounts are inaccurate and have been yet again 'verified ' as if they are accurate. The accounts I requested to have removed were reinvestigated and returned to me as inaccurate and incomplete accounts. This is my second attempt to have EXPERIAN comply with federal law. They did not remove the unverifiable accounts which is not only a violation of the FCRA 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681e ( b ) but will make EXPERIAN liable per 15 USC 1681n civil liability for willful noncompliance for sustaining the inaccurate accounts that are supposed to be removed in accordance with federal 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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2024, I notified Wells Fargo Bank that there were 2 fraudulent transactions, a withdrawal of {$50.00} for XXXX XXXX XXXX XXXX which was credited back to my account and XXXX for {$960.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both were processed using my ATM card ending in XXXX and debited my checking account, which was in my possession in XXXX XXXX XXXX since XX/XX/2024 and had not been out of my possession. I ONLY use the card for cash deposits or withdrawals at the ATM machine. I was told by XXXX XXXX that an ATM card was not presented for payment. Even though I contacted Wells Fargo indicating that they were both fraudulent transactions, the bank proceeded to pay the {$960.00} from my checking account. 

The claim number assigned was # XXXX. The {$50.00} claim was closed on XX/XX/2024 with no resolution of the {$960.00} portion of the claim. The XXXX XXXX documentation shows that the funds were paid to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as WF told me and my name is not XXXX XXXX and I don't have an Android phone. My son, XXXX XXXX XXXX who lives in XXXX  sent the Fraud team a notarized letter indicating that he had not receive the {$960.00} and he is a POA on my account. His letter was not included in the documentation sent me by WF. 

Perhaps if a WF representative took the time to review the documents they received if wouldn't take 4 months to return my {$960.00}.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to me.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
This is my second complaint about this situation ... first complaint is CFPB XXXX XXXXXXXX. Sequium stated that they would remove from all 3 of the big credit bureaus, XXXX is still showing this on their report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
FCRA 605B, in my understanding, necessitates the elimination of any erroneous accounts from my credit report. Could you verify the documents, please? Some of the listed accounts inaccurately report amounts and dates.

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 2024-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested verification of an account on my credit report. I also had that same account deleted in XXXX only to be reinstated, which a violation of 15usc 1681I unverifiable and inaccurate being reinstated to credit reports. as a result of this my credit score was decreased significantly. this is unfair because i dont have any delinquincies on my report and the credit acceptance account status is closed and paid in full.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened a checking account with Bank of america in XX/XX/XXXX with direct deposit! Met requirements for new customer promotion I never received it! I XXXX XXXX XXXX XXXX around XXXX XXXXand didn't deposit for several months except for trying to Pay the service fees when i could to keep it open! Around about XX/XX/XXXX I went back to work bank of america said my account was closed so I opened another one and let them know about not getting the new customer bonus they said they would put the offer in for this account! After about a couple months I noticed on the app that the other account was still opened and they was charging me a service charge and it was in the negative! I had a meeting with them and didn't know how it happened but they resolved it and closed it! I mentioned the bonus again because I had already met the qualifications and they first said I wasn't eligible because I had opened two accounts but I explained that I wouldn't have opened another account if they wouldn't have told me the other was closed so they said I had met the qualifications! And I would get it in a few months! Now there back to saying I want get it because I opened up another 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 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Financial Services, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX  performed a root canal in late XXXX. I do not have a bill from that visit. They agreed to file XXXX insurance claims, then send me a bill showing pmts. and the balance due. The first bill I received only showed a balance forward of {$1600.00} with a note that acct. was 30 days past due, please pay promptly. I sent a {$10.00} check to acknowledge while my income cycle caught up. Next bill, no pmt shown-a repeat of the XXXX bill, only 60 days overdue. ( the check was cashed on XXXX ). I took a check to their office on XX/XX/XXXX. They refused it, saying that they had sent me to collections. I said I had not received notice of this intended action and they claimed to have sent me text messages about it. I don't DO texts! I requested an itemized bill at that time and was refused. I have received a letter from Creditors Financial Services , LLC stating the debt is $ XXXX-not the {$1600.00} billed by dentist and not reflecting the check that was cashed. I have verified that no insurance was filed, either. 
No original amount, no insurance filed, a pmt not credited, and conflicting billing amounts leave me bewildered and beleaguered. 

A letter of intent that is not returned by USPS is a reasonable indication of notice as is a telephone call answered by the customer. An e-mail could be a supported conduit, but is texting now a legally accepted method of notification? It can be sent to a phone that doesn't receive text or to a recipient that doesn't DO text. This is a mess and I need help!

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email about my fraudulent alert of my card being used to withdraw money from an ATM while at work. As I am calling Chase customer service, I see that there was another ATM WITHDRAWAL transaction for {$400.00}. And then also another ATM WITHDRAWAL for {$1000.00}. I call and make the claim with Chase. I told them I have the card with me, the agent mentions that theyve had this problem before where a hacker can duplicate your card and use it as a normal card. I was so confused but she reassured me everything would be okay and I would be credit for everything while the investigation is going on. Fast forward to XX/XX/XXXX I get two letters in the mail. One stating I received credit for the amount of {$1400.00}, on the same day there was another letter form chase stating {$400.00} will be removed from my account on XX/XX/XXXX because my claim was denied it did not say why or give an explanation. Today XX/XX/XXXX I call chase and was on hold for a long time to speak with the specialist/ supervisor. Practically told me theres nothing I can do, their decision is final. I explained to her I was at work all day in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was insinuating I was the one who made the transaction and she said the transactions were made in XXXX XXXX  to try and recover my funds outside of chase in my own. HOW! what do I do I ask her she said nothing with us. So now tell me how am I at work all day in XXXX XXXX and make a withdrawal in XXXX XXXXXXXX, and yet made a call from work to chase to file this fraud right away when it happened? I also try to let her know what the first claim agent told me about the hackers and she try to cover it up and say that it was misinformation. That it was denied because my physical card was used but how if I had it with me while I was at work and even had with me when I was making the call at my job to report the transactions I used my physical card to provide the agent with information only found on my card like the card number! So for now theyre saying Im out {$400.00} and soon Ill be out also {$1000.00} because she said itll be treated the same way but still pending. I need help, I have bills to pay, people to feed. How can a financial institution like Chase treat their customers like this. I also filed a police report of the accident the same week! 
Terrible bank i should have not moved banks! This kind of fraud has happened to many people I work with and its always only with chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from Comenity Bank Credit Card Address ID # XXXX had been opened. At that time I contacted Comenity immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is a fraud account

Company response to consumer: Closed with non-monetary relief