vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I withdrew {$190.00} from XXXX XXXX XXXX XXXX XXXX, NV. I needed to go to casino to collect the funds I withdrew from my Chase bank account. I decided not to get the funds from casino and went home. Usually, casinos will refund the fund within XXXX hours. However, I noticed my account has not been credited. so I contacted XXXX XXXX  and asked what was the status of my credit. The supervisor cashier casino stated it will take XXXX business days to refund the money back to my account. On XXXX I contacted Chase bank and explained the situation, the customer service rep gave me a temporary credit until the funds come back to my account. on XX/XX/XXXX I noticed Chase reversed my credit, according to Chase XXXX  needed receipt to show that this transaction occurred at the casino. I went back to XXXX XXXX  regarding visa 's request. They stated that since there is no transaction, they have nothing to provide for XXXX to verify that I did not collect the funds. They suggested I contact XXXX ( ATM machine ) and ask for copy of the transaction. I contacted XXXX they email me a receipt of transaction and I faxed the copy to Chase bank. On XX/XX/XXXX I received yet another credit from Chase due to the fact I have proof that the transaction occurred, and I never collected the funds from the casino. I thought the situation was resolved, when again Chase debited my account for {$190.00} on XX/XX/XXXX. On XX/XX/XXXX I called Chase once again, and spoke with XXXX manager at claims dept and she stated that Chase can do nothing because XXXX XXXX stated that the funds were credit to me and there is nothing they can do too bad your out of funds. I was frustrated and stated this is a fraud and you need to investigate the matter. XXXX with Chase bank state she can not do anything and the matter has been resolved on there end. Now i'm out of {$190.00} and they refuse to help me get my credit back from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am a victim of identity theft and I never opened an credit card account with American Express and there are XXXX credit cards in my name there is a XXXX  credit card and XXXX  credit card. The address on file doesn't match the address on my ID and i have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Got a prepaid gift card from online XXXX as a rebate for buying certain amount, got the rebate several months after, now it expired in XX/XX/2023, asked for replacement card XX/XX/2023 but prepaidcenter refused to replace because it expired. I did not use the card at all. Called XXXX too and said to call card issuer. I thought california has a law on this prepaid card XXXX. Why they won't replace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was looking for a quote of carpet and moldings for the basement at Lowe 's and provided the sales woman with the sample. In XX/XX/2023 Lowe 's delivered both carpet and moldings, but neither is what I asked for nor does it near the sample I provided. I went to the local Lowe 's store and tried to solve the problem. The store manager refused to solve the problem, and became nasty when he failed to provide a signed copy of contract. 

The charge on my credit card was total {$2000.00}. I reported to the bank Synchrony for dispute and requested for an investigation multiple times. The bank denied dispute multiple times but failed to provide evidence to support its conclusion.

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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I, XXXX XXXX, started receiving a bunch of calls at first and then they started emailing so I recently sent a letter asking for VALIDATION of debt and they did not send what I asked and said the debt was VERIFIED. I reached out by mail separate occasions and they are not rebutting me correctly I have been in correspondence with RESURGENT RECEIVABLES, LLC through and they send me the same thing which does not Validate a debt they ( Resurgent Receivable, LLC ) claim I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of sucessful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. 
As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. 
I would also like to request a copy of my updated credit report after the information has been removed or blocked. 
I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. 
Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.

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 2023-11-27 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: GA

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of sucessful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. 
As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. 
I would also like to request a copy of my updated credit report after the information has been removed or blocked. 
I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. 
Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.

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 2023-11-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2023. An unauthorized transaction was made at XXXX for {$520.00}. I opened the claim at wells fargo and I said my card was used and it was authorized since I lost my card that day when I was in Maryland. Immediately after I freeze my card before it was used anymore. On XX/XX/XXXX, they closed the claim and said it was made by me or someone I know so they cant dispute the transaction. Then I contacted them again on XX/XX/XXXX to ask why it was not approved, they said the same reason as last time it was an insert purchased and was made by me or someone I know but I told them many times that it wasnt and they cant do anything about it so they made a suggestion to contact XXXX to see what they can do and they sent me a copy of receipt that was purchased that day to use as the evidence. Again I tried contacting Wells Fargo, and they couldnt open the claim again so they had me transfer to another call which was an 1 hour 30 minutes and no one picked up after 2 hours of wait and they said they cant do anything about it.

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 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i agreed to a purchase an appliance from jc penny on a promotional offer no interest no fees with autopay they put it in as minimum payment and charged almost double the original purchase price .help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I received a letter from a debt collector named aldous & associates that I owe XXXX USD to XXXX XXXX at XXXX XXXX for personal training. I requested more documentation about the debt since i have never been to this gym branch in my life and they sent me a contract that was signed by someone else in a day i wasnt even in the United states. i was on a family visit overseas. sent them a proof of my absence and highlighted the two different signatures they have against a signature of mine that was 2 years older at XXXX XXXX VA location. they still insist that is not enough evidence and they will still persue the debt collection process. I contacted the gym branch directly and they confirmed that i have never been to the gym before yet their collection agency is still trying to collect the debt and posted it to my credit report. 
I have filed a police report as they requested and still wasnt enough for them to clear the debt. I filled a complaint with XXXX and their response to that was submitting a photo evidence claiming it was myself at the gym the day of the contract and apparently it is not a photo of myself. Done more investigation regarding the matter and found out the person in the photo they submitted belongs to another individual holding the same name as myself. I reached out to that person and he confirmed that he had ongoing issues with that gym and he is getting collection letters from same collection agency. I replied to that evidence with a photo of myself and called the agency with the other person file number on their system. 
They just hang up the phone and not do anything regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
There was a post on XXXX selling a {$1500.00} car. I messaged the account as it was a friend of my mom 's. They wanted a {$300.00} down-payment. I sent the money on Paypal on XX/XX/2023. Paypal doesn't offer a cancel button when I found out it was a hacked account posting the listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Central portfolio control Incorporated XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX This company and their affiliates continue to call me and send text messages going on 10 years now. 

They continue to ask for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Illinois. 
To my out knowledge no address exist. 
For some reason you're upload file is not operating. Because I would like to upload the daily text messages & phone calls uspo mail, & email that are submitted. I will have to send that by email. 

This company continues to call even after today I spoke with them and called them back and ask them their address company name and information, they had the nerve to call again, while I'm filing this complaint and hang up calling from a different number. 

XXXX is currently investigating mail theft and mail fraud at my address. 

I have received XXXX  mail also from this collection agency and their affiliates. 

When I called them over 4 months ago and said stop addressing that person 's name to my address. 
They did not seem to care that I took the time to let them know they have inaccurate information. 
And appeared to blame me for the inaccurate information. 
I also called them years ago and they just will not acknowledge these communications. 

They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: SC

Complaint narrative:
nelson cruz and associates claims i owe them money I BETTER pay they told me! i told them im gon na n a fixed income and cant pay a debt i dont know about and he said i better get a friend or family member to pay the debt! 
i told them i had no clue what this account was i ask for documentation or proof of the account and i never got it. i ask for it to be removed from my credit and was assured it would be and its been 8 months and its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My brother XXXX XXXX had a CitiCard credit card. He died on XXXX. I am the trustee of his XXXX. I reasonably canceled the card on XXXX, but at that time CitiCard did not inform me of the number of unclaimed rewards points, and did not tell me that by canceling the account, CitiCard would consider the points " forfeited. '' On XX/XX/XXXX, I spoke with a CitiCard representative about cashing out unclaimed rewards points. She requested I send them information about the account, which I did, but would not tell me the value of the unclaimed points nor about their " forfeiture : policy. I mailed them the information requested ( CitiBank Card Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a letter saying the rewards points were " forfeited '' by closing the account. I wrote them an appeals letter on XX/XX/XXXX and got no response. On-line I found a CitiCard " ombudsman ( XXXX XXXX XXXX XXXX XXXX wrote to appeal the decision. It appears to be an office in XXXX. They have basically engaged in a run-around strategy of claiming they are " unable to trace the credit card number, '' which is nonsense. I suspect there are several XXXX XXXX  worth of unclaimed rewards points, because my brother also had a XXXX XXXXXXXX XXXX which had that value of unclaimed rewards points. And after I canceled that account, XXXX reached out to me and sent the Trust a check. In my opinion, CitiCard is engaging in deceptive business practices to avoid cashing out those rewards points to the Trust.

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 2023-11-27 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
Multiple unauthorized international transfers occurred from my account totally about XXXX. The bulk of the transfers occurred in XXXX. I notified Flagstar while the unauthorized transfers were occurring. Flagstar then denied my claim because the first transaction occurred more than 60 days from the time I make the report. The first 2-3 transactions were of amounts that I would not notice. Flagstar is hiding behind Regulation E - 1005.6 ( b ) ( 3 ) and ignoring 1005.6 ( b ) ( 4 ). 

In addition, the money was removed from my account using a card that I did not have in my possession, did not authorize anyone to use, and was unaware of at the time of the transactions.

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 2023-11-27 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: Chime Financial Inc
State: NY

Complaint narrative:
My wallet was lost and there has been unauthorized charges to my account. I have reached out to both the bank and the merchant. The merchant told me to file the claim with my bank and they will reverse the charges. Chime declined my claim XXXX XXXX and refused to provide any documentation to show how they came to this - these were fraudulent charges- they refused all credits on my account- never received a temporary credit or anything. They resolved this claim in less than 24 hours. I kept reopening the claim to get them to work the claim, however, they refused to advise on the steps they took. My entire wallet was lost. I am certain that they did not process my claim accordingly to the law. 

Claim XXXX XXXX  Chime also denied this claim- they had no details to provide as to why the claim was denied, again allowing unauthorized charges to my account and refusing to provide a credit. This claim is supposed to be on my credit builder account - credit card account - This account functions like a checking account online, allowing for unlimited of daily transfers, no pre-set spending limit, no monthly invoicing/billing. However, when you file a dispute, it is processed like a credit card, but functions as a debit card. 

Claim XXXX XXXX  - Chime will also eventually deny this credit with any due diligence or verifiable documentation that they took the appropriate steps to make sure that my claim is processed. 

I have filed 3 claims, and each claim has been denied - THESE ARE FRAUDELENT TRANSACTIONS- I reported them as fraud. These are not my transactions, and the bank would have known that if they took the appropriate steps. Please help me get my money from these fraudulent transactions

Company response to consumer: Closed with explanation