vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: OR

Complaint narrative:
debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to mental and physial XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored Discharge of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/2023, I made a purchase of XXXX from a clothing brand, the website said to give around a business month to allow shipping, which I did, I asked for updates on XXXX but I gave them the month before I attempted to take action, on XX/XX/XXXX, I contacted them asking for an update, they said there had been a manufacturing error, to which I accepted, on XX/XX/XXXX, i left a comment on their page to which they replied saying to allow another month, by this point, I had seen multiple other comments of people who had ordered before me and had also still not received their clothes, so I was a bit skeptical and considering disputing the charge as I thought I was not going to receive my clothes. On XX/XX/XXXX, I DMed the brand again, to which there was no response, I DMed them again on the XXXX, to no response, and again on the XXXX, which is finally the date I had decided to dispute the charge. I had again dmed them the next day, to which i finally received a response, telling me theyd ship my clothes within a week, I was planning on cancelling the dispute if they had shipped the clothes, but they never did. Chime ended up giving me temporary credit at some point. I provided chime with every screenshot Im providing here, and chime still denied the dispute citing that no error was made. I again contacted them once chime had denied my dispute, and was told that since I filed a chargeback they had canceled my order, I was also told by them through email that if I could reauthorize my payment They would send my clothes out to me, I was unable to do anything since I had lost the dispute and chime had taken back the temporary credit, and so I attempted to contact them through email for the past 3 days now, to no avail, complete silence from the brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Open the account with out my permission wrong name mailing address from 10years ago email address wrong, and phone number took two payments in one week I tried to reach a settlement but they want a high interest payment ruined my credit this company should not be in business I would have never expected this loan I have sent many emails and they keep telling lies and am I a victim of fraud no I have the money from the company without my permission I would have never signed that contract or the terms in it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from Bank of America , XXXXXXXX XXXX , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
this debt collector engaged in abusive deceptive and unfair practices of FDCPA which is prohibited. They furnished this accounts that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i didn't participate in any of it more so they didn't follow the proper 5 step validation procedure which makes this unfair practice.According ti the fdcpa im entitled to XXXX dollars per violation and clearly the violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paragon Subrogation Services, Inc
State: NY

Complaint narrative:
This report unveils a harrowing journey that began with a seemingly innocent leak and evolved into a tumultuous debt collection ordeal, all unfolding at my unit XXXX. At the center of this narrative are the characters XXXX XXXX, former owner and occupant of XXXX, and XXXX XXXX, the property manager of XXXX XXXX. XXXX, who once sat on the board of directors for XXXX XXXX XXXX, reported leaks in his unit back in XXXX and XXXX of XXXX, setting the stage for a cascade of events. 

Despite my protests and the fact that my maintenance covered any potential leaks, the situation escalated. The ordeal reached its peak when I started receiving aggressive letters from Paragon Subrogation, a third-party debt collection agency, alleging I owed {$810.00} for damages to XXXX. A disputable claim, as evidence from a leak detection report proved that my unit was not responsible for any leaks. 

The troubling aspect emerged when XXXX XXXX, no longer on the board, returned, raising concerns about a recurrence of such issues without adequate safeguards. Furthermore, the complicity displayed by the property manager and the board of directors is alarming. Emails and letters were exchanged, but they insisted on my responsibility for the debt without ever inspecting my property. 

To elucidate the events leading to this predicament, on XX/XX/, I reported a toilet issue, leading to subsequent bills and assessments. Confusion arose as to whether the problem originated from my unit 's toilet or shower bench, with XXXX XXXX being indecisive. Paragon Subrogation 's claim, coupled with the threat of legal action, intensified the distress. 

In an attempt to resolve the matter, my insurance enlisted a leak detection technician who confirmed the absence of leaks from my unit. However, the issue persisted, culminating in a Final 10-day notice from Paragon Subrogation on XX/XX/2019.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Someone attempted to open accounts without my consent. That resulted in a bunch of hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/year>XXXX  Disputed personal information address name on credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/2024 Disputed personal information address name on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
I was checking my credit report and noticed there was a statement bought debt I never received any information and I have no idea about what is listed with the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am writing to formally file a complaint about the handling and misinformation regarding my Chase Plan, initiated in XX/XX/2023. 

I enrolled in My Chase Plan for around {$50000.00} payment, to be paid over 24 months. According to the email confirmation from Chase, I understood that I should pay the " interest-saving balance '' to avoid interest on new purchases and only pay the " statement balance '' if I wished to settle the plan early. 

Following these instructions, I set my automatic payments to cover the interest-saving balance. Due to limited credit availability, I made a substantial transfer in XXXX to free up credit for additional payment. However, to my surprise, these prepayments were applied to my Chase Plan, significantly reducing its balance, contrary to my intentions and understanding of the plan 's terms. 

Upon discovering this, I contacted Chase customer service multiple times. Initially, I was assured that the issue would be rectified in the next billing cycle. However, subsequent communications yielded inconsistent information and, ultimately, I was informed that the payment structure could not be adjusted, although the interest was waived. 

This situation has caused significant inconvenience and financial strain. The primary issue stems from the lack of clear information regarding the terms and mechanics of My Chase Plan, which led to the unintended application of my prepayment towards the plan 's balance. This misunderstanding has resulted in an unexpected financial obligation of approximately {$70000.00}, far exceeding my initial expectations and current financial capacity. Had the plan 's terms been clearer and my prepayment applied as intended, I would be required to pay only around {$24000.00} immediately. 

Therefore, I reque

st a thorough review of my case and a proper resolution that aligns with the original terms of My Chase Plan. The inconsistent information and misapplication of payments have not only caused financial distress but also eroded my trust in Chase 's services. Thank you for your prompt attention to this matter. I look forward to a resolution that is fair and in accordance with the original agreement of My Chase Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and JP Morgan . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from XXXX XXXX XXXXXXXX , TD Bank , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: SinglePoint GI
State: NC

Complaint narrative:
XXXX University  sold my information in exchange for payment to GENERAL REVENUE CORP-Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone attempted to open accounts without my consent. That resulted in a bunch of hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GLOBAL CREDIT UNION
State: AZ

Complaint narrative:
My frustrations began within the last 3 months bc 3 different debit cards w GLOBAL Credit Union/GLOBAL CU have been fraudulently compromised. 
The same fraudster continues to submit fraudulent transactions to GLOBAL CU using the XXXX XXXX XXXX. 
Only once out of the 3 events did the GLOBAL CU fraud alert systems contact me about suspicious transactions. 
I don't know how this fraudster is obtaining my debit cards numbers. 
The XXXX XXXX needs to identify this fraudster and cutoff access to the XXXX XXXX. 
GLOBAL CU remedy of just get a new card isn't resolving this problem nor delinquishing my distrust of GLOBAL CU to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one closed and charged off my account without proper notice and charged off more than my original balance they refuse to acknowledge the XXXX dollars that I paid them when I believed my account was still open however they closed it without proper notice, then charged off XXXX! I have notified them several times to correct this or stop emailing me to pay an amount that I do not owe. They continue to ignore my emails back to them to correct this and continue to harass me for XXXX yet when I check XXXX they charged off XXXX thats illegal and violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: MO

Complaint narrative:
I logged into my Discover account and found four fraudulent withdrawals- one ACH and three checks- totaling {$110000.00}. The ACH was for {$9900.00} to XXXX XXXX XXXX. The three checks were written from XXXX & XXXX XXXX to three different people and all were cashed at the Discover location in Delaware. Check amounts were {$29000.00}, {$49000.00}, and {$29000.00}. Despite the large amount these checks were written for, and the fact that my name was not on the checks and a company I have no association with was, no one from Discover contacted me for approval before cashing these checks. 

Now that I have reported this to Discover and been given a new account number, I can no longer access the copies of the checks in order to file a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX closed and charged off my account without proper notice and charged off more than my original balance they refuse to acknowledge the XXXX dollars that I paid them when I believed my account was still open however they closed it without proper notice, then charged off XXXX! I have notified them several times to correct this or stop emailing me to pay an amount that I do not owe. They continue to ignore my emails back to them to correct this and continue to harass me for XXXX yet when I check Experian they charged off XXXX thats illegal and violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: OH

Complaint narrative:
Charged off account that was past the 7 years took money from my savings account. I never received court papers to dispute this in court. Money was garnished out my savings account on XX/XX/2024 in the amounts of {$75.00} and {$88.00}

Company response to consumer: Closed with explanation