vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I used my Citibank XXXX XXXX XXXX  card to reserve an XXXX. XXXX cancelled reservation XXXX weeks prior and supposedly return funds to Citibank. My Citibank account is closed and XXXX had new card. Now Citibank says it could be up to XXXX to XXXX days to get my funds back that were returned from XXXX. These are my notes of the timeline. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX forXX/XX/2024 paid deposit of {$1000.00} with my CITIBANK XXXX XXXX XXXXXXXX. 

XX/XX/XXXX, XXXX Host messaged me to cancel XX/XX/XXXX, XXXX XXXX said they initiated the refund in FULL, to a KNOWN XXXX bank account, declined to just give account credit even though I stated I was going to spend the money with them for another XXXX XX/XX/XXXX, XXXX Reserved NEW XXXX, paid {$1000.00} with a different card from different institution. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX supervisors declined to call me to speak on issue, would only message to me to say that they couldnt do anything and I could only call me bank for an update. Only messaged me at XXXX XXXX and then would not reply for days. 

XX/XX/XXXX, XXXX Paid remaining balance on the new XXXX of {$720.00} XX/XX/XXXX, XXXX I spoke with an agent at XXXX named XXXX who stated that my refund has been re-received with XXXX and rerefunded to my new card on file and that would receive it within XXXX hours, AND the same night/late that night I received a messaged from a NEW agent stating that they had no idea who and why I was told that because they did not send out the funds to a new bank and that they dont have any funds to help me and if I wanted an update I needed to call the bank and not them XX/XX/XXXX, XXXX I sent requested screenshots to XXXX from when I spoke to my bank of them stating they have not received any funds from XXXX, after thaXXXX XXXX ignoring my messages and calls for XXXX days! 

XX/XX/XXXX, XXXX XXXX messaged me stating I needed to send in a XXXX XXXX of my bank stating they have no received any funds. ( still have no received requested supervisor call for now over XXXX days, even though they said callback time would be no more than XXXX hours ) I was told I would have a call back from Citibank on XX/XX/XXXX from the supervisor team # ID XXXX ( they wouldnt give a name ). I still have not received a call nor an update or my money. I fully paid and utilize a whole new XXXX and am still waiting for my original refund of {$1000.00} which neither CITIBANK or XXXX say they have. This has caused me great financial hardship and o cant get any answers from the bank or the company.

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 2024-04-23 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received a copy of my credit report.To My Surprise you are reporting this account incorrectly this collection account is reporting not only open but also shows a past due balance of XXXX $ and XXXX according to FCRA I have the right to an accurate credit report please remove these accounts immediately from my credit report please provide me a copy of my new credit report reflecting this account removed upon completion sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2024 someone applied for a CHASE FREEDOM Visa Signature credit card in my name using my personal info. CHASE ran a credit report inquiry and called me to see if I initiated an application for which I said no. Thet said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by JPMORGAN CHASE, reference # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
On XX/XX/2024 someone applied for a XXXX XXXX XXXX XXXX credit card in my name using my personal info. XXXX ran a credit report inquiry and called me to see if I initiated an application for which I said no. Thet said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by XXXX XXXX, reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: LEXISNEXIS
State: GA

Complaint narrative:
I adamantly challenge the inclusion of an alleged late payment on my credit report, as purported in your recent communication. Upon scrutinizing my credit dossier, I was appalled to stumble upon an entry insinuating a failure to remit timely funds to XXXX XXXX XXXX XXXX in XX/XX/2021. 

It is imperative to emphasize the egregious disparity in the account number across various iterations of my credit reports, a blatant transgression of the Fair Credit Reporting Act ( FCRA ). I categorically assert that I have rigorously adhered to the obligation of punctual payment across all financial accounts, including the one under contetion. There exists not a single instance of tardiness in settling dues on this account, and I possess an arsenal of indisputable evidence, including meticulously maintained bank statements and payment records, to fortify this assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
I adamantly challenge the inclusion of an alleged late payment on my credit report, as purported in your recent communication. Upon scrutinizing my credit dossier, I was appalled to stumble upon an entry insinuating a failure to remit timely funds to XXXX XXXX XXXX XXXX in XX/XX/2021. 

It is imperative to emphasize the egregious disparity in the account number across various iterations of my credit reports, a blatant transgression of the Fair Credit Reporting Act ( FCRA ). I categorically assert that I have rigorously adhered to the obligation of punctual payment across all financial accounts, including the one under contetion. There exists not a single instance of tardiness in settling dues on this account, and I possess an arsenal of indisputable evidence, including meticulously maintained bank statements and payment records, to fortify this assertion.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I leased a BMW XXXX 8 months ago, with a {$3000.00} down payment. On XX/XX/year> the car was involved in an accident. The car was a total loss, and the insurance company requested to pay off the amount from BMW Financials, LLC. The pay off amount was {>= $1,000,000}, Insurance sent a check to BMW Financials LLC in the amount of XXXX. After that I have received letter from BMW stating " in appreciation of your business, you are eligible to receive a Loyalty Payment Credit of up to {$4800.00} which is equal to 100 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from this total loss " So instead of them just sending us a check with the amount that is owed, they are saying that we have loyalty credit which can be used towards buying a new BMW, which I don't want to do. Is this allowed? I just want the money in cash, not credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates purchased a credit card account of mine that had been charged off. They filed a suit in XXXX court against me for the full amount of the charged off debt. They've presented a bill of sale showing they purchased several accounts, but they didn't show the actual amount paid for my account, which is likely about {$0.00} on the dollar, yet they want to collect over {$1700.00} from me. They have repeatedly called me after they filed suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year>, a wire transfer of {$2300.00} ( Including {$25.00} wire transfer fee ) was taken out of my XXXX checking account. It was wired to a/an place/institution unknown to me. 

On XX/XX/year>, I noticed that my email ( that I use with Chase bank ) seemed crammed with junk mail and unusual solicitations. I checked all my bank accounts. All were OK except for my Chase bank account. My Chase checking account had {$2300.00} wired out, and now I have less than {$150.00} in my Chase Checking account. 

I called Chase immediately and filed a fraud report with the Chase agent. I was never notified of the wire and did not authorize the transaction. She advised that I call back on Monday, a business day when the Chase wire team will be back at work again. 

I did so, and called Chase several times after that, as directed. I was told it will take up to 5 business days to resolve my claim. I reiterated that it is fraud and I did not authorized or initiate the transaction. I froze my accounts and changed my passwords. 

I have never wire any money from my Chase accounts, and I have been a Chase customer of 20 years. I have always used paper checks and the free ACH for transfers and payments. This is apparent from all the records. 

I just got off the phone with Chase again. I still do not have my money back and received no updates on the situation. I am told now it will take longer than 5 business days. It appears I have no other option except to wait. I asked but was not provided with a time frame of how long this will take. And more importantly, I was not assured that I will get all my stolen money back. 

I am very upset that a huge bank like Chase can simply wire out all my money in an instant, and I am left to wait at their mercy while they " continue their investigation. '' I have been patient and given them more than 5 business days, as it was first told to me. 

I hope CFPB will let us consumers have a say on if we ever want wire transfers out that we be contacted first, as an option to safeguard one 's money in a bank. 

The only timeI ever used a wire-tranfer in my life was when I purchased my house and I was indeed spoken to and contacted by my banker at XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
A.R.M. Solutions letter sent re : debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but insufficient information to confirm any debt and newspaper was canceled some time ago with subscriptions always paid on time before/concurrent with any renewals. No other correspondence received until A.R.M. notice of deficiency. 

I should add that subscriptions were canceled because of multiple solicitations at many different price points, appearing to come from different solicitation/sales services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VT

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VT XXXX JEFFERSON CAPITAL SY Reported : XXXX. XXXX, XXXX + {$XXXX} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SY Reported : XXXX. XXXX, XXXX + {$XXXX} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Self/ Lead XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Theres 5 hard inquiries that I did not authorize these companies ( Macys ) ( Neiman Marcus ) ( XXXX ) to run a hard credit check on my report, theres 3 same inquiries with XXXX , 1 with XXXX and 1 with XXXX and I would like that to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Theres 5 hard inquiries that I did not authorize these companies ( Macys ) ( XXXX XXXX ) ( Bloomingdales ) to run a hard credit check on my report, theres 3 same inquiries with Macys/XXXX  , 1 with Bloom/XXXX  and 1 with XXXX and I would like that to be removed from 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-04-23 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
on XXXX a new charge on my PayPal account was summitted. I was unaware that a new account was open.in my name but different account number and e=mail address I got a letter in the mail from XXXX XXXX XXXX XXXX stating I own PayPal XXXX this is not my debt and contacted XXXX they inform me they would summit the information to PayPal for resolution and that I should summit a complaint to CFPB. if you need more information, please contact me thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I had my OneMain financial card stolen and used without my consent I opened a complaint last year on XX/XX/2023 complaint id is XXXX to which they responded they credited me for the charges, closed the account but I received letter saying my account is past due. When I called they said they didn't credit the interest? And I'd have to submit another complaint and go through all the steps again. If the account was closed how is it gaining interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reported a fraud claim to Chase Bank on XXXX charges, XXXX for the amount of {$520.00} at XXXX XXXX. The XXXX called me and rudely insinuated I had benefited from the charge and that my statements were inconsistent, even though when I followed up with XXXX XXXX to find out more details, the investigator had key details wrong like that the person had used the card in-person -- they had, in fact, used my information online and picked up the order through curbside carryout. I reported the incident to my local police department so that XXXX XXXX can obtain security footage to verify the fraud claim.

Company response to consumer: Closed with explanation