vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was notified by my employer, XXXX XXXX, on XX/XX/XXXX that someone had filed for unemployment benefits using my personal information. After this fraudulent incident was brought to my attention, I also checked my credit reports and found someone had applied for a Capital One branded credit card for XXXX on XX/XX/XXXX immediately and contacted Capital One to notify them of this fraudulent activity. I was told the credit card application was flagged as fraudulent and told it had not been previously approved. I was told that Capital One would send corrections to all CRAs of this fraudulent incident so that it would be removed from all of my credit reports within 90 days. 

On XX/XX/XXXX, I contacted Capital One again regarding this incident because as of XXXX, it appears that this fraudulent application and inquiry is still showing up on my credit reports I was told that they immediately reported this incident to all CRAs when I called them on XX/XX/XXXX. The customer service agent contacted the internal fraud dept and confirmed they had already send corrections to all CRAs when I called back in XXXX and I that had to individually contacted each CRA to find out why this fraudulent application was still showing up on my credit reports. I asked for my call to be escalated so that I could receive written confirmation this was sent, but was told that could not be provided. The customer service agent ( XXXX, ID reference XXXX ) refused to escalate my call even when I wished to file a formal complaint. She informed me that Capital One would only accept my complaint in written format and referred me to their website for more information. I find this whole situation ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, XXXX, I charged XXXX airline tickets on XXXX XXXX ( the " Airline '' ) to my Chase Ink Business Preferred Credit Card. I cancelled that card and replaced it with another Chase credit card in XX/XX/XXXX. The Airline cancelled all my purchased flights at the end of XX/XX/XXXX due to the pandemic. In early XX/XX/XXXX, I discovered that the Airline had refunded the cost of the plane tickets back to my cancelled Chase Ink credit card. My total charges in this matter amount to {$10000.00}. 

Upon written inquiry to Chase Cardmember Services on XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX, stating that 14 credits were returned to the merchant 's bank with a separate reference number for each of the 14 charges being returned because Chase was " unable to find an account '' for me. The phone number provided by Chase for the merchant is not correct. Further inquiry through telephone communication to the general Chase Card number, a visit to my local Chase Bank, and discussion with Chase higher level help specialists resulted in being told Chase has no other information because my account was purged from their system. I faxed the attached letter to Chase Card Services on XX/XX/XXXX requesting further information but have received no response to date. 

The representative in the XXXX XXXX XXXX XXXX has stated that the airline has no way to trace or check whether they received the funds from Chase without further information, including the date and time and exact amount of each wire that was sent. Chase has indicated to me they do not have this information. 

If it had been disclosed to me that my credit card account would be " purged '' and all account information deleted by Chase and no refunds would be possible in the future, I would not have cancelled my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to withdraw cash from my Edd Bank of America debit card and someone withdrew {$1000.00} from my Edd debit card account. on Monday on Tuesday day withdrew another {$150.00} I immediately call Bank of America and reported the fraud. During that time in the area of the bank a male person call my wife phone claiming that he was an investigator  looking for a person who lived at our previous address at XXXXXXXX XXXX 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 monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Letter was sent to the company involved a while ago, I'm just following up to be sure they no longer have my information in their system as owing any alleged debt. 2nd letter was sent XX/XX/21. IC Systems received it on XX/XX/21. At the time, I was not aware my rights were violated, but now I do. Pursuant to 15 usc 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This company is also in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692g, 15 USC 1692c, and 15 USC1692c ( 2 )

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 2021-03-13 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have numerous hard inquiries on my credit report from XXXX XXXX XXXX syncb and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries 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 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
Original credit card debt from XXXX from an old XXXX XXXX credit card. Collection bill was sold to Sentry Credit , Inc . I received updated collection bill on XXXX for {$660.00}. I paid {$660.00} on XX/XX/XXXX. Sentry Credit did not report bill as PAID IN FULL. My credit has been dinged and the credit reports say this bill is UNPAID. Such fraudulent practices when a person actually pays their debts?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
someone using my Address and name to get credit in there name when I try to open up a bank account with citizens bank they closed my account out for fraud that I never done! after I cashed my unemployment checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2021 Capio Partners receive a validation letter from myself via certified mail requesting validation or a contract baring my signature in regards to a collection request from Capio Partners. However, on XXXX XXXX I received in the mail a list of medical records that they did not have authorization to access. This is a directed violation to my HIPAA rights and regulations. On these records are documentations of medications received and/or procedures done. Again, I did not authorize Capio Partners to have ANY access to my medical records. Please be advised that I am aware of my HIPAA rights/regulations and I know for a fact that this is a direct violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: WA

Complaint narrative:
Experian EXXXX Failure to remove XXXX information from my credit 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 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On or about XX/XX/XXXX, Citi generated a letter to me that they were closing my card, ending XXXX, for no recent use ( in the past 12 months ). I do not recall the date the letter was received other than it was in XX/XX/XXXX. Today, XX/XX/XXXX, I spoke with a representative of Citi Cards who first told me they have the right to close the account without warning, and who also told me they could reopen the account. However, when we started to reopen the account, he was asking the same questions that a new account holder would go through. Thus, they wanted me to reapply, which would include a credit check. 

I have had this account with Citi since XXXX. In that time, I have built the credit line up to over {$30000.00}. This card is my oldest account and closing it will have a dramatic and negative impact on my personal credit reports with all 3 of the credit bureaus. 

In addition, I was provided with no notice whatsoever to allow me the opportunity to use the card by a certain deadline. XXXX Card just sent me a notice about my account with them that I would need to use the card by a date in XX/XX/XXXX, or the account would be closed. 

I believe the arbitrary closing of my Citi account was purposely done to require a new credit report and application. This should not be allowed. Citi regularly pulls and reviews my credit report, as evidenced when I review my credit reports on XXXX. In addition, I have a second Citi card due to my Costco membership. Thus, they review my report twice each month, once per card. 

At the very least, Citi should provide a deadline to use the card or risk closure. If Citi is going to fall back on the credit card agreement, I want and demand a copy of all the credit card agreements to see if this was ever contained in any of the agreements, and when it was changed. Even if it is in the agreement, this should not be allowed as it negatively impacts consumers credit, which is so hard to build and maintain. 

Citi should be forced to reopen my account, with the same credit line, and without a new application. Citi, being a major bank and knowing how closing a credit line will impact it's customer, should be fined and penalized for this unconscionable practice.

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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I received an invoice from First Credit Services ( FCS ) on XXXX XXXX XXXX ( Gold 's ) behalf, in the amount of {$110.00}, for 5 ( five ) months -- XXXX, XXXX, XXXX and XXXX, XXXX and XXXX of XXXX with respect to Membership Agreement # XXXX, dated XX/XX/XXXX. This is not my responsibility. Please see the attached invoice - XXXX History debit/credit card voucher containing Mr. XXXX XXXX XXXX ( XXXX XXXX ) financial information. I have never received a call or bill from XXXX XXXX XXXX concerning payments. The last time I used XXXX XXXX XXXX was approximately the end of XXXX or very early XXXX. It is apparent that XXXX XXXX XXXX is trying to obtain payment from me because it has been unsuccessful in attempts to reach Mr. XXXX for payment. Please let me know if you need assistance contacting the responsible party to come to a reasonable solution in this matter. 

I responded to FCS informing them that this is not my account via letter dated XX/XX/XXXX. FCS responded to me on XX/XX/XXXX, with a contract that does not contain my signature, as well as the aforementioned invoices - XXXX History statement. 

Additionally, the gym was shut down in XXXX due to the ongoing pandemic COVID-19 ; and yet XXXX XXXX is billing Mr. XXXX for XXXX, XXXX and for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Atlanticus Services Corporation
State: WA

Complaint narrative:
Credit cards are both already closed. I paid the remaining balances OFF on XX/XX/2021. Credit card companies are not reporting the balances as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. There was another collection agency before this one to which I disputed and was deleted ... .This collection agency has not proved this account is mine. 

They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: Ray Skillman Chevrolet Inc
State: IN

Complaint narrative:
I have numerous hard inquiries on my credit report from XXXX ray skillman XXXX and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have numerous hard inquiries on my credit report from XXXX XXXX XXXX XXXX and capital one. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recieved a letter dated XX/XX/2021. From KOHLS customer Service Contact Center. 
Indicating that my My kohls card was apparently closed after I made a payment due to thier own observed activity in which " they say ( Kohls ), supposevely they say that my account is not being used in a manner of consistency based on thier terms of the kohls agreement..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: MD

Complaint narrative:
On XXXX XXXX, I was charged twice with a vitamin company in the amount of {$410.00}. I receive SSDI benefits through a company called Direct express where benefits are available to me monthly. On the month stated I filed a Fraud investigation because the vitamin company charged me for vitamins on a free trial basis and unfortunately I missed the deadline to cancel that trail. I contacted the company to let them know that I was no longer interested and right after contacting the company, they sent another package to me. I immediately returned that package but was charged twice through my Direct Express card. I immediately contacted Direct Express with no luck talking to someone, finally I was able to talk to someone a day or two later and I was told that because It was filed as a Fraud transaction that I was given the money until it was investigated. On XXXX XXXX, I received a letter saying the {$410.00} was reversed because not enough information was found. I talked with numerous customer service agents and nothing has been done to return the money I am owed. The vitamin company has received two payments from me and I have returned the second package and Direct Express still will not return my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 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: WA

Complaint narrative:
XXXX Equifax Failure to remove XXXX information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
Someone is hacking my phone and not allowing me to contact my banks both my chime account and XXXX XXXX account have been compromised I dont know the dates and the amounts because they keep changing and someone not chime or XXXX XXXX is responding to my emails and calls when iiji try to contact the companies please I need someone to help me and I cant get anyone to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: HI

Complaint narrative:
Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX XXXX " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, Consolidation Plus. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX XXXXXXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXXXXXX XXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three XXXX XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX XXXX. However, I have noticed that the information being reported on my credit reports by Experian is incorrect. Experian shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Experian for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Experian claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.

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 2021-03-13 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: CORELOGIC INC
State: CA

Complaint narrative:
I've been working since XX/XX/2020 to get it cleared up. I've sent letters to the bureaus and letters to the creditors several times. The bureaus letters were a series of stall tactics. Everytime we called they said they did not have any documents ( which we sent 4 times ) yet the I received a mailed letters requesting specific ids. I sent passport, they asked for ssn, which I also provided. I sent letters to the creditors and got no response. They did not verify that the inquiry ( CREDCO Inquiry : XXXX. XXXX, 2020 ) were authorized.

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