vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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:
Hi, On Friday, XX/XX/2022, I received a text message from Chase with an alert that my debit card was being used to make a purchase at XXXX for {$240.00} and to reply Y or N. I replied N and I immediately got a call from XXXX XXXX XXXX which is a Chase number. They called me around XXXX times starting at XXXX am. The man on the phone told me that Chase noticed fraudulent purchases and needed me to confirm I wasn't the one making those purchases. I couldn't understand the man very well, the phone was breaking so I asked to speak with his supervisor. A lady got on the phone. They were inside my account and went through my transactions asking me to confirm if I had done those. 

They told me also that there were charges from XXXX and other places and that they were going to cancel those and send me a new card free of charge to my address. They confirmed my address, they had all my personal information. 

They kept me on the phone for almost XXXX hours because they were waiting for reference numbers to confirm the cancellation of the transactions. While I was talking to them I was receiving text messages from Chase with the " reference numbers ''. 

On Monday, XX/XX/2022 I checked my Chase business account and there were three unauthorized wire transfers and various other transactions. A total of {$41000.00} had been wired without my authorization. I called the fraud department at Chase and filed a claim and the lady on the phone told me to go immediately to a Chase office to freeze my account. I did. I transferred all the money to a new account. 

Chase couldn't give me the money back until they did their investigation. They didn't ask me about the details of what happened and they told me to wait. I filed a police report immediately ( police report available upon request ) and I've reported the identity theft to XXXX. I'm located in XXXX XXXX. 

This is not only identity theft on me, it's identity theft on CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an unsolicited debit card from Capital One via the XXXX XXXX. I called Capital One to inquire and they informed me a checking account had been opened in my name. They said there was {$0.00} in the account and they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Frontier Airlines somehow has two member accounts under my name. I have tried 15 times to contact Frontier to resolve this and they keep sending me to a recorded line with no help. I have paid for Frontier 's discount XXXX  plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount XXXX plan. I've tried over and over to speak with someone from the credit card company and tried to call Frontier. Impossible.

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 2022-11-22 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I do not or ever had XXXX XXXX XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I purchased {$5100.00} worth of furniture from Ashley Furniture in XXXX XXXX, Maryland in XX/XX/2022. I was given a 24 month, no interest deal if I applied for a Synchrony store card. I did and was approved for the deal. The furniture arrived in XXXX. My first credit card bill was due in XXXX. At that point I noticed an interest rate of XXXX XXXX!! I called Synchrony and they said they'd investigate. I called the XXXX store the same day. The XXXX people confirmed the deal and that it had been transmitted to Synchrony properly. I thought we were in the clear until two weeks later when I received a letter saying Synchrony would not honor the promotion. I called Synchrony again, very upset. A customer service rep named XXXX was very rude, and moreso dismissive. She told me there was nothing she could do and that the promotion would not be applied. I informed her that this was a clear bait and switch. She spoke with a manager who also said they would not be rectifying the situation before hanging up on 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 monetary relief
Consumer complaint received 2022-11-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CA

Complaint narrative:
I have a XXXX XXXX credit card that was paid off. There was an automatic payment assigned to it that should not have been. The card was being charged without my knowledge and the automatic payment of the balance of the credit card did not work properly due to an error with my checking account from another bank. I received a notice on my credit card of a delinquent payment via Experian. I immediately called and spoke with XXXX XXXX they stated if I paid it in full while on the call the late payment would be removed from my credit report. I did what they said. The credit bureau is refusing to remove the late payment per the request of XXXX XXXX. As this was a combination of errors on the company that was charging me and the automatic payment to XXXX XXXX this late payment shall be removed from my credit report. I have XXXX years of never missing a payment and this now causes challenges for something that I was unaware of and outside of my control. I had also moved so all notifications via mail never made it to my current address. It was not until I looked at my credit report I was made aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received multiple calls asking me for my personal information while the " company '' would not identify themself. Once I made it through confirming the number they called me on was mine XXXX XXXX, they informed me that I had a {$280.00} debt with Regions Bank. I have NEVER EVER ( and will NEVER ) have an account with Regions bank. Once I found out about this debt, the person on the phone " later identified as XXXX XXXX XXXX  '' rattled off a street address that this account was associated. I asked for this information as to what address again and what state that was in since the name was never where I lived. They directed me to talk to Regions Bank. 

I called Regions Bank and tried to get them to give me the address of what this supposed address was ..AFTER I provided my name, phone number, ... and account number ( XXXX ) that was provided to me by XXXX XXXX XXXX XXXX Regions Bank would not give me the address. 

Regions Bank then instructed me to go to their Regions Bank website and fill out a Fraud report! There is NO WAY I would supply Regions Bank with my SSN, address, etc. after they allowed someone to open an account in my name. 

I want Regions Bank held accountable for the supposed debt of {$280.00}. I want Regions Bank and their Debt Collectors to stop calling me about something Regions Bank screwed up. I want any and all information that Regions Bank and XXXX XXXX XXXX obtained with and/or without my consent to be removed from their system. I want my credit score to not be impacted by Regions Bank 's mess. 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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Due to COVID, I had a difficult time making my mortgage payments and fell behind in XXXX, XXXX. My lender has denied any assistance to me. They have been asked repeatedly to send me the actual denial for appeal and I still have not received it ( I have been requesting it since XXXX, XXXX ). I am unable to appeal or know why I was denied. They have told me there is no available assistance for COVID and that I need to reinstate. They have sent my loan to an attorney for foreclosure. I was under the impression that the CARES act was passed so that homeowners did not lose their homes due to the virus. I also have now experienced XXXX hurricanes this year and my lender told me there is no assistance with that either. I want to pay my mortgage and keep my home however my lender is not allowing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 an 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 or 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Sent Right of Rescission , Affidavit of Truth, Affidavit of Truth that All Accounts are Paid In Full, & Credit Card Prepaid on the XXXX of XXXX, on the XX/XX/XXXX it was delivered. Auto Loan current balance of {$18000.00}. XXXX XXXX XXXXXXXX current balance of {$2000.00}. I've been sent back how its still my obligation to pay this fictitious debt & Fraudulent loan constantly being harassed for a Bill, demand of payment that can't be made due to the fact there is no real money in circulation with which to pay. Although I stated I've accepted for value and returned for value to the sender extinguished due to the fact that the only money you have to extinguish a " debt '' with is your credit - the constitutional credit of the United States- your mutual offset credit exemption exchange.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This is not my car load this is a fraud account the car belong to progressive remarking bank I dont have this car it was electronic sign I never signed nothing

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 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft around XXXX XXXX XXXX I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank 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 explanation
Consumer complaint received 2022-11-22 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: GA

Complaint narrative:
I was a victim of identity theft around XXXX of XXXX  I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my personal 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 2022-11-22 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-22 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
There are 48 inquires on my credit report that I have no knowledge of starting from XXXX until now.

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