vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX XXXX 2023- opened a collection. 
Account -- XXXX {$5200.00} that I owe MIDLAND CREDIT MANAGEMENT. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 




I do not owe this debt to this collector and have not written consent. 
Please remove collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up for a Chase bonus program in XXXX that was supposed to give me a bonus of {$300.00} for setting up direct deposit with a checking account, {$200.00} with a savings account if I kept $ XXXX in there for 3 months and a bonus of {$400.00} if I completed both of these for a total of {$900.00} in bonuses. 

I received the {$300.00} checking bonus on XX/XX/2023. 

I received the {$200.00} savings bonus on XX/XX/2023 and the email also says that the {$400.00} bonus was deposited. 

I never received the {$400.00}. The {$400.00} was supposed to be deposited to the checking account that I had with chase, but chase closed the checking account after 60 days of a {$0.00} balance ( which they never mentioned would happen ). 

I called Chase on the week of XX/XX/XXXX to inquire and was instructed that I had to wait a few days for a check to come through. 

A check never came and I called back. They said I had to work with my local branch. I've been working with my local branch and had no less than 10 calls with one of the workers, XXXX, and the branch manager, XXXX. The location is XXXX XXXX XXXX, XXXX, PA XXXX. I'm beyond frustrated and had high hopes but they have now put me off for almost 2 months with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or around XX/XX/2022 I used my American Express Card to purchase a XXXX refrigerator for {$1200.00}. When the refrigerator was delivered, it did not quite fit my kitchen space and the deliverymen immediately put it back on the truck for return. XXXX has no form signed by me for the delivery. I was never credited by XXXX for the return. I made about 8-10 calls to XXXX attempting to rectify the problem. Twice I spoke with the XXXX XXXX XXXX and ascertained that they definitely had a record of the refrigerator having been returned. I made repeated attempts to implore the Appliance Division and the Billing Department to communicate with each other, all to no avail. After American Express intervened, I was told by American Express " XXXX states that you still have the refrigerator and that they have no record of your having ever contacted them about this dispute. '' When I provided American Express with the direct phone number for the Appliance Division, to verify the return, I was told " We don't make calls like that ''! American Express has refused to listen to me and to properly process this dispute. 
Less than 10 days after the return of the refrigerator I used the same American Express card to purchase a refrigerator from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
My card was FRAUDULENTLY charged {$31000.00} by someone and used on Crypto.com. I never authorized or made this purchase on my account or ANY account. My card was on file with the merchant Crypto.com but | never made a purchase or authorized a purchase of {$31000.00}. 1 have filed and have an active FBI Complaint against the company and person I suspect involved as I was the victim of a financial scam that I've informed CRYPTO.COM about. My debit card was not in my possession at the time this charge of {$31000.00} was made on Crypto.com. 
XXXX XXXX denied my CHARGEBACK claim for the {$31000.00} and did NOT THROUGHLY INVESTIGATE who made this UNAUTHORIZED and FRAUDULENT charge from CRYPTO.COM on my debit card. I NEVER participated, Authorized, or Approved any charge in the amount of {$31000.00} from Crypto.com or any other retailer. PLEASE HELP ME Recover my funds from T his FRAUDULENT and UNAUTHORIZED charge of {$31000.00} made on my XXXX XXXX  debit card. Me and my family are in the process of filing BANKRUPTCY now because of this DEVASTATING FRAUDULENT CHARGE. We are in a lot of DEBT now with multiple CREDITORS. PLEASE return what's rightfully ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Between XXXX, a hard credit check inquiry was performed by Capital One without my permission. I have not applied for any credit cards. I would like this to be investigated and removed from my credit history. 
Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America Merrill CMA account force me to fund my account when my e EE-i series government issue bonds an my ETF account N my dividend growth I never received any of my funds now my account is open I requested check an credit card other brokers need to be mail to me funds must start receiving payment deposit to my CMA account as credit merger my account I'm title to my funds don't belong to the company they are government issue bonds stocks shares if the company can't manage holding stocks than they need to close down

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
IN XXXX IN THE MIDDLE OF THE PANDEMIC I STILL TAKEN A LOAN WITH THE COMPANY OPORTUN INC. WITH THE SUPPOSED PROMOTION OF HELPING YOU CREATE CREDIT FOR PEOPLE WHO HAVE NO CREDIT OR WANT TO BUILD THEIR CREDIT AS WAS MY CASE AT THAT TIME AND WE EVEN REFER SEVERAL PEOPLE INCLUDING MY WIFE AND THEY DO NOT REALLY CREATE CREDIT ON THE CONTRARY WHEN THEY DO THE INVESTIGATION OF YOUR CREDIT THEY MAKE YOU A HARD PULL AND THAT INSTEAD OF HELPING AFFECTS YOU AND ADDITIONALLY THEY CHARGE YOU FOR DOING THE INVESTIGATION, WHICH CONSTITUTES A TOTAL CONSUMER ABUSE, IT SHOULD ALSO BE HIGHLIGHTED THAT YOU SEE SAID CHARGE WHEN YOU GET THE CHECK ( YOU CAN NOT DO ANYTHING ANYMORE ) BUT EVEN WORSE IN THE MIDDLE OF THE PANDEMIC AND WITHOUT WORKING BUT TO SHOW MY GOOD FAITH AND RESPONSIBILITY I MADE AN EXTRAORDINARY EFFORT TO PAY OFF SAID LOAN SINCE THIS COMPANY DID NOT OFFER ME ANY PAYMENT PLAN BEFORE A PANDEMIC THAT MADE US LOSE SO MANY LIVES, THIS COMPANY DID NOT BELIEVE INCREDIBLE CREDIT IN MY HISTORY ON THE CONTRARY, IT HAS DESTROYED IT AND CONDEMNED ME AND MY CHILDREN TO NOT BE ABLE TO BE ABLE TO HAVE A DECENT LIFE IN THIS COUNTRY, WITH BAD CREDIT AND EVEN THOUGH THE WORLD WAS GOING THROUGH A CRISIS AND I MADE SO MANY CALLS AND OPEN CASES WITH THEM SO THAT THEY WOULD ESCALATE MY CASE AND SO THAT THEY DELETE THAT ACCOUNT FROM MY HISTORY, THIS COMPANY OPPORTUNITY INC. . IT IS REFUSED, LIKE THE DIFFERENT CREDIT AGENCIES.

ONE OF THE CASES THAT WE OPENED BEFORE OPORTUN INC, IS UNDER THE NUMBER # XXXX, BUT LIKE MY CALLS, THEY REFUSED TO HELP. 
ON THIS OCCASION WE APPEAL TO THE SOLIDARITY PART THAT ANY COMPANY SHOULD HAVE AND MORE IN THIS CASE WHICH WAS WITHIN A WORLD PANDEMIC, IN WHICH THOUSANDS OF PEOPLE WERE BEHIND IN THEIR PAYMENTS AND IN WHICH ALL THE INSTITUTIONS HELPED THEIR CLIENTS, REGRETABLE IT WAS NOT MY CASE, THIS COMPANY DENIES ME HAVING A FAIR CREDIT THE LOAN WAS FOR 12 MONTHS FROM XX/XX/XXXX TO XX/XX/XXXX, BUT I PAYED IT OFF ON XX/XX/XXXX THROUGH RECEIPT # XXXX ISSUED BY OPORTUN INC AND IN WHICH THEY REITERATE SAYING : ( THANK YOU FOR CHOOSING US FOR HELP BUILD YOUR CREDIT HISTORY ) TOTALLY FALSE.

WE LATER REQUESTED A BALANCE LETTER AND IT WAS ISSUED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: SC

Complaint narrative:
I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have given Experian numerous times to comply with my request to update my information as true and correct. I have expressed that all other personal information is fraud and not linked to the informed consumer in any way. 
Because Experian failed to remove incorrect names and addresses, I the consumer was denied an extension of my credit so that I can provide an abode for myself and my children. 
XX/XX/2023 I had to flee my home from a domestic abuser. XX/XX/, I was denied housing from XXXX XXXX. I had to stay in a womans shelter here in XXXX XXXXXXXX XXXX XXXX My XXXXXXXX also suffered XXXX XXXX from living in a crowed shelter. I gave birth XX/XX/, to my daughter while living in this shelter due to Experians lack of duty and respect to my personal information I suffered 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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Bank of America includes on mail the POD on the face of the envelop for anyone to see. The mailman, neighbors who might pick up my mail or my beneficiary all might view my personal information. I have asked them to remove this from the face of the envelop but they refuse to. Who i designate as my beneficiary is not the business of anyone who decides to view the mail envelop. I have tried at the bank, called customer service but they say it can't be removed. When asked if I changed my beneficiary could they remove the name and add a new name they responded yes. Therefore, I claimed, a name could be removed if that were the case. They do not seem to understand this is a violation of my desire not to let anyone know my private business. 
The date I visited the Bank of America in XXXX, NY, was XXXX XXXX. This is the same day, XXXX XXXX that I called customer service. 
The lack of understanding and inconsiderate actions of Bank of America are inexcusable. 
Requesting a simple removal of personal information not to be displayed for anyone to see and outright refusal is not acceptable. 
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 2023-06-28 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: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/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 explanation
Consumer complaint received 2023-06-28 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: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-28 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-28 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: Kovo
State: IL

Complaint narrative:
I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name KOVO INC Account number XXXX Account type Sales Contract Responsibility Individual Date opened XX/XX/XXXX Status Open. {$10.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$10.00} Original balance {$240.00} Highest balance - Terms 24 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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