vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
Dear Sir or Madam, There was a fraudulent XXXX Transaction from my checking account ( Chase ). 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX debit - {$2000.00} XX/XX/2022 Completed XXXX XXXX Real-time Open information dialog : In network : Real-time transaction Hide details, hides content below {$2000.00} Checkmark : We sent money from TOTAL CHECKING ( ... XXXX ). 

Mobile XXXX Transaction XXXXXXXX I contacted Chase and they are insisting that I authorized it. I never authorized it. Called Chase as soon as I saw it on my account ( within a few hours ). 
Chase has no intention to investigate the case and make sure it never happens again and they are not willing to refund XXXX back to my account. I offered to provide with the printout from my phone carrier which will be a proof that I never authorized the transaction. They denied. I have not received any papers from them stating the investigation took place. They refuse to talk to me, reopen the claim or transfer me to a legal department. When you XXXX the phone number from the transaction it clearly says it belongs to robocall, which in my opinion is good enough reason to accept it was fraudulent transaction. I do not have this recipient when I log into Chase either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Newrez/shellpoint reported my payments 90 days late. I was in a government awarded forebearance plan that ended in XX/XX/2022. I started a loan modification in XX/XX/2022 made the trial payments on time and was than awarded the modification. I was never late. I was in a forebearance plan due to being unemployed during the pandemic. I was in a financial hardship. Im now back to work making my payments on time. My credit score dropped XXXX points. My rates went up. Auto ins went up. My credit cards went up and some dropped me. I tried to dispute this with the mortgage company and XXXX. Nothing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I can't believe my last request you claim that you didn't understand. 
So let me be very, very clear! 

Please remove the following address from my credit report as I have not ever at any point in my life lived at those listed address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These do not belong to me or have ever 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 explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
The purchases took {$200.00} from my checking account. And I will not return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Around XXXX XXXX, XX/XX/XXXX, I tried to apply for a credit card to XXXX XXXX  but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it yesterday XXXX XXXX XXXX XXXX I called Experian to ask them about the problem and the costumer service told me to report the problem to you guys.the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
was given a {$100.00} American Express gift card last XXXX and was holding on to it to spend on occasion. my daughter tried to use it to buy some clothes and the card was denied I called American Express and they said a previous purchase had been made with the card for XXXX XX/XX/2022 at a store in Texas called XXXX. I called the store and they said they've been getting calls all the time for the same thing and they thought I was trying to scam them. they said they weren't even open XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Payfare International Inc.
State: MI

Complaint narrative:
My card is declining whenever I try to use it as a debit but goes through as credit. Today I'm trying to make an online purchase and the bank keeps blocking it " for my protection '' ( according to the payfare representatives ). I've spoken to several representatives and I've verified my account info several times over to prove it's me. I eventually asked for a supervisor and was transferred to who I later found out was NOT a supervisor so I asked for a supervisor again. This time I was told the supervisors are busy assisting other callers and was refused further help. So other customers are more important then me? Instead of unblocking the transaction, the representatives just keep repeating " this transaction had been blocked for your protection, please use another card, I will be disconnecting the call '' and then they hang up on me. Well my hard earned money that I worked for is on this card, this is the card that I use for fun purchases, and the bank does not have a right to hold it hostage! Stop blocking my transactions and actually provide your customers with service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My name is XXXX XXXX. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and in NY. I received a call this morning on XXXX from someone claiming that I had an XXXX XXXX Account and that they would file a judgment against me in XXXX XXXX, as well as contact my employer. I am self-employed. 

I have never had an XXXX XXXX Account. Just in case I misremembered something, I confirmed this info with Barclays Bank that owns XXXX XXXX debt. These scammers have my first and last name and my full social security number! Please advise. 

The number that I received the call from was XXXX. I was told to dial XXXX to follow up.

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 2022-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
i have a checking account with chase and yestarday i try to send a XXXX transfer and they cancel it and send me a message saying that is was cancel because they didint hear of me when they never call or send a text or email after that ther block my online acces and im been calling for help but they say that theres no way to help me because i dont have a social security number and after that they disconect the call or other tell me to go to a branch im in XXXX and for the moment i cant cross to USA and i need access to my money my mom needs a XXXX and all my money is in the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX, I entered into a lease agreement with Kia Finance America for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. Kia Finance America received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over XXXX points. I logged into my credit monitoring tool and saw new negative information from Kia Finance America, indicating that the account was closed and late. I immediately disputed the information and contacted Kia Finance America and demanded they correct the information within 48 hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from XXXX, XXXX decided to remove the account from my report for Kia Finance America 's failure to respond. 

On XX/XX/XXXX, I received a notice from XXXX that Kia Finance America demanded that the account be re-added back to my XXXX credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted Kia Finance America and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific XXXX scores. 

At this point, I got into a back and forth with XXXX, XXXX ( the credit monitoring tool I use ), as well as Kia Finance America, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through XXXX against the data in my report regarding Kia Finance America. On XX/XX/XXXX I received the results, and Kia Finance America has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX  verification, and do not consent to XXXX  being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX verification, and do not consent to XXXX being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
You have clearly ignored my last complaint. I am asking for your company 's policy and procedures to ensure you following FEDERAL LAW. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: PA

Complaint narrative:
I was initially contacted with XXXX ( XXXX ) XXXX the person on the line Asked for XXXX XXXX. I advice he doesnt belong to this number and not to contact me again. Yet I keep get calls. They called me again today and I call the XXXX # and they advices they are looking for me. I tell the person that it can not be right because there is another debt collection company ( We have an important message from XXXX XXXX XXXX XXXX a debt collector. Call us at XXXX Important Rights : XXXX Txt STOP to End texts ) contacting me about the same debt. She advices she could explain that if I verified my identity which I refused to do because XXXX different companies are contacting for the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I pay my mortgage by phone. For the month of XXXX my phone payment did not go threw. As soon as I realized I payed it right away. It was less than a month passed due. Mine and my husband credit score went down XXXX points because of it. They did not and worn us. Please help up get the points back. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am natural person I am living I have right under 15USC 1681.

TransUnion is govern 15USC 1681 .And they violated my rights numerous of times.I demand this account listed below be remove because According to 15USC 1681 : I have the righ to privacy and I did not give TransUnion permission to furnish these account : XXXX XXXX account number XXXX balance {$3600.00}

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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