vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Emails from Barclay card contain third-party trackers even in service related communication. Two common spy trackers ( also known as pixel tracker, web beacon ) are from XXXX XXXX with domains like XXXX XXXX XXXX XXXX, and XXXX  with domains like XXXX XXXX XXXX XXXX These email trackers are invisible. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email addresses. Being unconsented, these are examples of breaking receipts ' trust and XXXX  violations of all privacy laws.

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 2022-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been serviced by Fed Loan servicing since XXXX. 
I have been a participant in the public server loan program. Since that time I have accrued XXXX qualifying payments toward the forgiveness plan. I have XXXX or XXXX pending approval for the past two years not for lack of submitting the appropriate documentation. 

I have been with the same employer since XXXX and had payments approved up till XX/XX/XXXX, The approval process has stalled. There is a new public service loan forgiveness tool in which you add your employer and find out if its qualify or not. It has taken me roughly 2 years and some additional time to have my employer, previously approved in the program, added to the tool. I have submitted a great deal of collateral information to make this happen for my small nonprofit. Unfortunately just after my company was added as eligible to the tool, Fedloan made the decision that I not only was not qualified but did not work at a nonprofit. 

I work at a small nonprofit XXXX ( B ) which can be found on the Texas XXXX XXXX website. I have sacrificed earned income to work for a company in which I have a great deal of faith for the quality of care that we can provide rather than a corporate for-profit medical association. 

I have spent about as many hours as it would take to actually earn the money which I owe simply trying to get my loans approved for forgiveness under the new waiver which was approved by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXX bank XXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now!

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.

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 2022-03-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.

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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Emails from Synchrony Bank aka Sam 's Club credit card contain invisible trackers even in most service related communication. These spy trackers ( also known as XXXX XXXX XXXX XXXX ) are with domains like XXXX XXXX XXXX  xxx and invisible by design. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email address. Being unconsented, these are examples of breaking receipts ' trust and AFAIK violations of all privacy laws.

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 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was contacted by a lady, named XXXX, who introduced me to use this app ( originally, it was an XXXX  app called XXXX, then they changed the name as XXXX, now the XXXX  app is complete not working ) through XXXX. 
Later, they also gave me a website to trade cryptocurrency, https : XXXX  and later it was changed to XXXX XXXX XXXX. 

At XXXX, I was a little cautious, I only transferred a few thousand dollars, and I tried to transfer back and forth a few times, did not see any hiccups. Then I started to wire transfer from my bank ( Capital one bank ) to them, on XX/XX/XXXX, I wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX  XXXX ; XX/XX/XXXX, wired XXXX XXXXXXXX, XX/XX/XXXX, wired XXXX XXXXXXXX. A total of XXXX XXXXXXXX were wired to them. 

Later in XXXX, I was trying to withdraw some money, but my withdrawal request was declined. I asked them the reason, but they did not provide a reasonable answer. I tried multiple withdrawal attempts, but I was never been able to withdraw any amount of cash. So I immediately led a fraud report through FBI website and reported the transactions to my bank ( XX/XX/XXXX ) just trying to recover some of my money. 

So far, it has been more than 4 months, I did not hear anything from any law enforcement nor did I hear back from my bank, although I have been trying to contact my bank 's fraud department about the progress, so far NO progress either. 

Just two days ago, the company 's website no longer exists, so did their XXXX  app. All of my hard-earned savings are gone, I even borrowed some money and carried a loan. It has been so frustrating for the last couple of months, I just want to see if there is any way I can recover some money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: WA

Complaint narrative:
I overstand my right as consumer demand you to remove this frivolous information. I did not consent for this for this frivolous information to be reported. This is a violation. 
XXXX8 USC 1028A Aggravated Identity Theft Assault Please remove this information. Enclosed copy of Equifax credit report to identify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My father passed away XX/XX/2021. I was an authorized user on his Bank of America credit card. I notified Bank of America the same day that he passed. They inturn closed the account. Since that time Bank of America has reported a delinquency on my credit report for that card. I contacted bank of americas XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from Bank of America that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and Bank of America refuses to resolve the issue with me or give me any 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 2022-03-12 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
A fraudulent transaction showed up on my Chase credit card. It was reported to Chase immediately. Chase closed XXXX investigation cases and has reapplied the fraudulent charge onto my card. Chase is forcing me to pay for the fraudulent transaction. XX/XX/XXXX : I logged into my Chase account and noticed a fraudulent charge of {$1000.00} to XXXX in XXXX XXXX, XXXX. I immediately notified the Chase fraud department. The credit card was in my possession the entire time. The Chase representative cancelled my credit card and issued me a new one. The charge was removed while Chase investigates. XX/XX/XXXX : Chase closed the investigation and reapplied the fraudulent charge. XX/XX/XXXX : I called Chase to reopen the case. Chase instructed me to file a police report. Police report filed. XX/XX/XXXX : Chase closes the investigation. Chase claims the transaction is valid and that I am responsible for paying the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My father passed away XX/XX/2021. I was an authorized user on his XXXX  XXXX XXXX XXXX card. I notified XXXX XXXXXXXX XXXX the same day that he passed. They inturn closed the account. Since that time XXXX  XXXX XXXX has reported a delinquency on my credit report for that card. I contacted XXXX XXXX XXXX XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from XXXX XXXX XXXX that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and XXXX  XXXX XXXX refuses to resolve the issue with me or give me any 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: STATE BANK OF INDIA - NEW YORK BRANCH

Complaint narrative:
For the past XXXX years, I have had XXXX  ( {$50000.00} ) XXXX  that matured every XXXX years. I have lived in the XXXX all this time. In XX/XX/XXXX, my records indicated that all XXXX XXXX would mature on XXXX. Since I was moving back to XXXX  in early XXXX, XXXX, I told the Bank that I wanted to meet with them personally to see what new options were available for a new XXXX year term. I told them that, when the XXXX mature on XXXX, roll the {$250000.00} over into a regular savings account, at your regular interest rate ... until such time as I can meet with them in XXXX. 
I have contacted then on : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, to confirm that my money is now in a savings acct. They have ignored all my contacts. I have no idea now where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CT

Complaint narrative:
On or about XX/XX/2017, I paid the total amount owed in full and was promised the account would soon close. XXXX  XXXX  is reporting a false amount and still has the account open

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 2022-03-12 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 — Investigation took more than 30 days
Company: ACS Education Services
State: IL

Complaint narrative:
I recently used XXXX law to dipute my student loan that went to collections sometime around XXXX. The company was originally ACS student funding group they sold their operations to CES education services. The problem is XXXX credit report had CES for my loan collection so when XXXX law disputed it as it has been closed since XXXX they removed it from my report no problem. XXXX has the same collection but it is under the parent company ACS who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my XXXX report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years, but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXs XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature I ask that these inquiries be removed and an updated report be sent 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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent 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