vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I purchased a sofa using a Chase Sapphire credit card. I had to return the sofa and on XX/XX/XXXX a credit was issued to the Chase Sapphire card for more than {$4500.00}. Some part of those funds were used to pay off the remaining balance. The last purchase made on the card was XXXX XXXX, leaving me a credit of {$880.00}. I have made no additional purchases since that time. 
When I requested that the remaining credit be a ) applied to a Chase Freedom credit card or b ) the refund sent to me or placed in my checking account, the bank representative initially said it was take four to seven days to process. I called back when I did not see the {$880.00} applied to the XXXX card or in my checking account. That happened in XXXX. 
Since that time, I have repeatedly called the number for Chase Sapphire, I have visited the bank branch on XX/XX/XXXX, where the branch manager called the same Chase Sapphire number and was told the transfer would take place immediately, and I have called at least XXXX additional times. Each time, I was given a different answer. 
I called this week, and was told the previous bank representative had not followed the proper procedure and I would be receiving an email with instructions on how to transfer the funds or request a check be issued and it would take 24 to 48 hours. Yet as of today, I have never received any email from Chase with any instructions. When I called the bank I was told that they had no information they could provide. 
Then this week, the executive offices called to tell me a complaint was filed. When I called the number that I was instructed to call back, I got no answer the first time. I subsequently was told it take seven to 10 days and they have no information on the status of the refund or any details. I have spent nearly a month trying to get some resolution but have been given a different protocol every time, including told to simply make a purchase and use the credit to pay it. 
I would like to get my {$880.00} back and so far have not been able to get Chase XXXX XXXX or Chase Sapphire services to return the funds. 
I have also repeatedly reached out to Chase and Chase Customer Support on social media, each time, I get an apology with a request to send a private message. When I send the private message I receive a reply instructing me to call a 1-800 number. I believe that Chase is failing to return the funds that were refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX & XXXX and 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 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 2024-02-08 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: VA

Complaint narrative:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: VA

Complaint narrative:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX 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 2024-02-08 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: CA

Complaint narrative:
They did not follow the proper law in regards to reporting a collection account without notice, nor has the collection account proven the account is mine. They are not able to verify the account as they have claimed, as I have never had an account with that company nor who they claim to be the original creditor. I have sent dispute all certified mail they have had more than the required time to respond.

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 2024-02-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Creditor Name : Wells Fargo Subject : Fair Credit Reporting Act, Section 611 I am writing this letter regarding payments that were marked late by Wells Fargo for the following accounts on the following date ( s ) : XXXX XXXX Acct : XXXX Amount : {$960.00} This is inaccurate since this account is at a XXXX balance. Therefore, I am requesting this inaccurate report be removed from my credit profile immediately. It is my understanding per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the company ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me only. Furthermore, I am requesting that you provide me in writing the reasonable procedures according to 15 USC 1666 ( b ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include all the information required by Section 1637 ( b ) of Title 15. 

If you dont provide this information in the allotted time given, then I am requesting you remove the late payments from my consumer report with the following consumer reporting agencies XXXX XXXX XXXX XXXX XXXX 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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
The bank opened an authorized fraud investigation for a purchase that was authorized. This in turn, canceled payment on my purchase and the bank to hold my funds. I was informed they would be there in XXXX  days. Now I'm calling to check on the return, I'm being told the money was given to me when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Fraudulent charges and orders on the account were sent to an address in XXXX I live in GA. I reported the charges and Wayfair investigated. I never received anything regarding the results and now I have a negative update 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 monetary relief
Consumer complaint received 2024-02-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies 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 2024-02-08 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: TN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CA

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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I have a XXXX  account with Gemini LLC. Gemini believed I had a security issue and I proved them wrong. They kept having me send document after document. They turned off my account and would not let me trade for a month. Then instead of resolving the issue, they made me sell {$12000.00} in XXXX, which cost me fees. They would not reinstate my account and actually forced me to sell. And they would not tell me why they did this. Told me they won't say why. I have lost money not being able to trade and now have to set up an account with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank decided to close accounts for my business. Date of letter is XX/XX/XXXX and account is set to close on XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I was working with XXXX XXXX XXXX XXXX XXXX settle a debt owed to XXXX XXXX XXXX XXXX XXXX The account was settled and closed on XX/XX/XXXX and XXXX sold the debt to Midland Credit Management on XX/XX/XXXX. I have been receiving notices trying to peruse legal action by Midland even after notification of debt settlement with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dispute Regarding Inaccurate INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
Report Created On : XX/XX/year> File Identification Number : XXXX Provided by TransUnion XXXX Relations Dear TransUnion, I am writing to dispute the accuracy of information contained within my credit report. Recently, I discovered that a debt, which I had previously paid in full, was verified by TransUnion as accurate, despite my efforts to rectify this matter. 
The debt in question pertains to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I want to emphasize that this debt was settled and paid off. 
Upon learning that TransUnion had verified this debt as accurate, I immediately initiated an investigation into the matter. However, it appears that no proper investigation was conducted to verify the validity of the debt and its status as paid. 
This erroneous information has significantly impacted my XXXX XXXX and financial standing, causing undue stress and inconvenience. I urge TransUnion to conduct a thorough investigation into this matter and correct the inaccurate reporting as soon as possible. 
I kindly request that TransUnion remove the erroneous information regarding this debt from my credit report and take the necessary steps to ensure that such errors do not occur in the future. Additionally, I would appreciate regular updates on the progress of the investigation and resolution of this dispute. 
Please consider this information in your investigation. 
Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of my credit report. 
Sincerely, XXXX XXXX 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 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I opened a Ulta Beauty store card and made a purchase of {$23.00} in XXXXXXXX XXXX XXXX. I did not receive my account information until XX/XX/2023 while my brother was in hospice out of state and eventually passed away. I paid over {$50.00} to the credit card company once I received my bill, however the are trying to collect an additional {$170.00} in penaltys and fees which is ridiculous for a {$24.00} bill. Its not reasonable and they are threatening to keep charging more penalties and fees and interest on the penalties and fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
With reference to Section 609 of the FCRA Act, I would like to request further information On the following item as recorded on my credit report. 
The report records that for XXXX XXXX XXXX is a collection agency for And l requests the ORIGINAL documents for this information containing my appended signature and any other related information. 

the company has not reached out to me to send the ORIGINAL paperwork with my signature on it. NOT A COPY but the original paperwork.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I rarely complain but the ignorance of the KeyBank XXXX XXXX is beyond my comprehension. The restriction on my account- due to some fraudulent transactions - wasnt supposed to leave me without access to my money. Cant use my debit card. Cant use XXXX. I can not buy food. The KeyBank representative, who answered the phone after dozens of attempts, before hanging up on me, said the only way to lift the restriction is to wait for the investigation to be completed. I tried to explain to him that the KeyBank XXXX Department said they not true, that all you need is to call them, it can not be the only option to wait, I said it must be another option available for me to access my money faster.he hanged up on me. The KeyBank XXXX Department representatives, I talked to at least XXXX of them, say that it can be done in XXXX minutes. They added its completely unheard of that the branch is refusing to help. On the top of that, I use my phone for my work, as a XXXX XXXX. I have to put my phone in the Airplane mode in order to work. Today is the second day that I am using my phone calling for their assistance, instead of working. The situation Im in is very difficult. I can not access my money in my KeyBank checking account, and I am losing money for not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items 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