vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a capital one member since XXXX. I have never missed a payment. I had fallen behind on payment. And the card number ending in XXXX. I would like to know if there is a program where it reduces my monthly minimum payments until I am able to get back on my feet. I would like to know to to please cease and desist calls letters and emails until I am able to get back on my feet. I also have a card ending in XXXX. I would like to be enrolled into a hardship program which reduces my monthly payments until I am able to get back on my feet I would like communications to cease-and-desist until I can get back on track.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For almost a year now, I have been attempting to have XXXX/XXXX  removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a XXXX/XXXX  account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and Experian continues to report this innaccurate information on my account. By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. - If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the XXXX/XXXX account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be 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 explanation
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-12-27 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-27 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-27 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: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/, I purchased tickets through XXXX XXXX website for {$1000.00} charged to my Chase XXXX credit card. 

Chase declined the charge and sent me an text message to confirm if the charge was legitimate or not. It took me only seconds to confirm it was me by responding to the text that I had made the charge. 

However, on the back end, even before allowing me an opportunity to respond, Chase had already denied the charge. 

I called XXXX XXXX immediately. My reservation, even though, I had already chosen my seats did not exist. XXXX refused to honor my previous price, stating their prices are subject to change : blah, blah, blah and let me know I would need to use a different credit card. 

I immediately purchased the same ( exact ) tickets, using the same credit card. Now, they were {$58.00} dollars higher. The charge to XXXX XXXX XXXXXXXX XXXX XXXX for {$1100.00} is shown on my credit card statement. This is the same vendor that was denied for the {$1000.00} charge. Oddly enough, the original charge that was declined does not show on my credit card at all. 

I reached out to Chase, and they refused to refund the {$58.00} difference. 

Although I appreciate Chase trying to reduce credit card fraud, this is a huge disservice to their customers. I should not be penalized for what they " thought '' was fraud. Chase thought it was fraud and was wrong. It wasn't. They should be responsible for the {$58.00} difference. 

Chase ( and any other companies ) should have to come up with a different policy. Why not give me a moment or two to respond to the text? Why not allow the vendor ( XXXX ) to re-run the credit card in a few minutes? Why not follow-up by an automated phone call, if the customer does not respond to the text/email messages? 

This could have been much worse. In addition to the {$58.00}, when I rebooked, XXXX had not released my seats yet, so I lost the better seats that cost the same price as it was. However, I could have lost the seats altogether if the plane had almost been completely booked, or it could have cost me hundreds for the same tickets. Also, on XXXX 's side, it looked like the reservation went through. If I had not saw a follow-up text from Chase and not realized I didn't get the confirmation email from XXXX, I could have thought I had tickets when I didn't. 

We need to do better. I think there is some easier ways to reduce fraud without at the same time risking to penalize the customer. When I reached out to Chase for a refund, their response was basically this was an abnormal charge for me. Actually, it is not. I just opened this line of credit in XX/XX/, so how would they know whether it is an abnormal charge or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
Dime bank, savings account. Never used debit card that came with it, ever, as money just sits there for savings. Somehow account got compromised, starting in XXXX, 2023. XXXX notice of fraud from Dime bank came in text XX/XX/2023, asking if this is my transaction. Immediately shut down, so no more fraud going forward. Now they won't return XXXX from XXXX, 2023, saying it's too far back to replace. I filed twice to reopen fraud case and get money back from XXXX, as they did return XXXX, XXXX, and XXXX 's 2023 fraud money. Nobody will call me back now and they keep transferring me to customer service, then they tell me to call fraud department again. Here we are. I've never used bank card or carried it anywhere so fraud didn't come from my use of card/skimming. They have admitted that XXXX XXXX is a known scam with history. I just want 12 charges of {$9.00} replaced into my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cashapp email address is XXXX, not my personal email acct provided above. 

I checked my bank acct & saw a pre auth charge- thru CASHAPP by user XXXX XXXX XXXX XXXX in XXXX XXXX . This charge did not show up in MY CashApp, idk this person, but I screenshot the info & sent it to cashapp customer service. When someone scammed my daughter in the past CashApp said that since that old charge had hard posted there wasn't anything they could do, but w this new charge from a different fraudulent person I caught it before anything hard posted so they absolutely should have been able to go into that user 's acct & cancel it before it hard posted. I also requested more info on that user/acct so I could contact their local legal authorities and for confirmation from cashapp that they'd do something to cancel this fraudulent user 's acct or SOMETHING but they refused. 

It was a fraudulent charge that I had nothing to do with & did not authorize. CashApp would do nothing to stop reverse or prevent. I'm disputing it w my bank but that will take 90 days & I needed that XXXX in there for bills so I'm screwed. I contacted cashapp before it hard posted & they'd do nothing so thus is cashapp 's responsibility & liability. 


****please provide email to send screenshots to bc uploading them here is taking WAY too long & idk if any of them will be posted w my complaint & there's info in the screenshots I would not want posted publicly online****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-27 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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi 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 2023-12-27 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: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX  opened XX/XX/XXXXXXXX  balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I filled out three XXXX  Notes Negotiable security agreements I sent them each time XXXX XXXX to NATIONSTAR MORTGAGE LLC dba MR. COOPER. 
As these are securities and are issued by me as my Rights, Tittle 's and interest in the property that the corporation has accepted and not returned them to me or processed the instruments for value received is a breach of contract. As these securities have a cash value and can be traded for federal reserve notes in accordance with the Federal Reserve Act Section 16 paragraph 1-4. Also, the under title 12 USC 412 Application of notes. I Tender three negotiable security instruments which are obligations of the United States Treasury and XXXX XXXX XXXX XXXX has Fiduciary duties to process or return them with a valid reason why the instruments are being dishonored. The three instruments have a value of XXXX XXXX XXXX. Title 12 USC 1813 ( l ) the term Deposit The promissory note when deposited is Money or its equivalent and must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for drafts or checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX  I received an email from the online bank Chime telling me that my password had changed on my account. Immediately following that email was another one verifying direct deposit. 

I do not now, nor have I ever had any business with Chime. 

The account was opened in my maiden name. 

I called and was able to close the account because I had the account number in the second email. Had I not had that, they were going to require that I give them the last 4 of my social security number in order for them to fix their mistake. 

I never received an email to say that an account had even been opened. 

However, they want me to provide the last four numbers of my social security number, and other sensitive data in addition to a full police report in order for them to verify the last four numbers of the social security number under which the account was opened. 

Why would I trust this company with such information? 

Why must they protect the person who committed the crime? 

I need this information to know whether my identity has actually been stolen. They refuse to provide any more information until I provide them with my sensitive data. 

They had no supervisor they could transfer me to not any other department they could transfer me to in order to resolve the issue. 

How can a financial institution be allowed to exist in this country under those circumstances?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I contacted Freedom Mortgage in XXXX requesting to recast my mortgage due to principle reduction. In the last 2+ years, I have paid my mortgage aggressively and lowering by more than XXXX since mortgage initiated. 

I called in XXXX and was told I qualified for the recasting. I filled out the forms requested and sent Freedom Mortgage a {$250.00} processing fee. I followed up with Freedom Mortgage beginning of XXXX to confirm they received my request and when the new payment would be effective. The 2nd representative confirmed the receipt of the request and my new payment should take into effect in XX/XX/XXXX. 

Yesterday, XX/XX/XXXX, I received a letter rejecting my request stating that I didn't may the required lump-sum payment and must be at 10 % of current balance. I was not told this requirement both the times I called. 

I followed-up with Freedom on XX/XX/XXXX, and the representative confirm the letter is correct and I can not recast. They representative mentioned they don't really have a " recasting department '' so they dont know who to reach out to inquire more about this.

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