vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX, I received a cell phone bill from XXXX for the amount of {$540.00}. The amount is 5 times my normal bill amount. 
In XXXX, I called XXXX to have them switch XXXX of my lines to unlimited. This never occurred and they are stating they do not have a record of my request. In XXXX our lines were disconnected. My husband and I attempted to port our numbers from XXXX and they are holding our numbers XXXX. These numbers were originally ported to XXXX and we have had the same numbers since XXXX. 
Every time I called to resolve the issue, I would get transferred to different departments, often the wrong ones. Many times I would be disconnected while on hold. The language barrier with the representatives makes communication next to impossible. I was promised callbacks both from customer service and my local Xfinity store, which never happened. 
I have XXXX paid-off phones and they are also holding them XXXX and will not allow me to port them to another company. My XXXX XXXX XXXX XXXX is listed on my account as paid off, but XXXX states this is false despite my documentation. 
I was sent to a collections company 3 times in XXXX just to be told my debt was not with them. I received a collection letter in XXXX, yet XXXX continues to charge my account despite disconnecting my lines 3 months ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX multiple fraudulent charges were made on our account- XXXX, XXXX and XXXX toward the XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX additional ATM withdrawals were made in the amounts of XXXX ( same amount for both ) in XXXX XXXX. My husband and I each made IN PERSON transactions with our personal debit cards in XXXX where we live. My husband made an IN PERSON purchase at XXXX and XXXX in XXXX, FL and I made an IN PERSON transaction at XXXX in XXXX XXXX, XXXX. We additional made an XXXXXXXX XXXX purchase that night to be delivered to our home in XXXX XXXX, XXXX. Additionally, my husband was on XXXX XXXX that weekend, Friday through Sunday, in the state of XXXX. These fraudulent charges in XXXX XXXX were also made IN PERSON the same day. From the date we opened this account, we have NEVER made gambling purchases which were the categories under these purchases. We received a text message that night while sleeping that a fraudulent purchase had been made to out account ( XXXX of the XXXX ) purchases. We were sleeping so we did not respond. Chase did not freeze our account, instead they left it open for a criminal to take all of XXXX $ of our hard earned money. This was a brand new debit card that my husband received maybe only a week prior and only used a handful of times. Chase initially reversed charges then reversed the reversal saying because a " chip '' was used that these charges were " legit '' and those are hard to duplicate. Criminals do this for a living and are smart! No idea how this was done but we do not know who did this, we did not authorize this and we absolutely did not make these purchases. Chase 's fraud department did not do their job when it comes to monitoring fraudulent charges on our account and freezing our account if one is suspected. Additionally, they did not do their job with their investigation. This is sickening. A criminal is allowed to steal our money because they were smart and recreated a debit card with a chip. Chase has a legal obligation to abide by their standards of customer care and refund our money due to fraud. Do their jobs and investigate this properly. 100 % we did not do these purchases and 100 % should be refunded our hard earned money. Do what is right, Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX I received an email from Chase We're thanking you with an up to {$900.00} offer! When you open a new Chase Total Checking account and new Chase Savings account with qualifying activities. The email provided the code but stated Coupon code applied when you click Open an account. On XX/XX/XXXX I opened both accounts online by clicking on the link in the email and received a confirmation email. By XX/XX/XXXX I have satisfied all the requirements but havent received a bonus. I called Chase on XX/XX/XXXX, and was told that I have satisfied all requirements for the bonus and the case will be investigated ( given ticket XXXX ), I should hear from them within a week. I havent heard and called back on XX/XX/XXXX, when I was again told the case is still under investigation. I missed a call from Chase on XX/XX/XXXX. They left a message to call back XXXX at XXXX, ext XXXX. I started to call immediately and called multiple times, leaving XXXX messages. I also left a secure message on Chase website in response to their message, explaining the case and attaching screenshot of the email I've used to open the accounts. Being unable to reach the designated Chase associate, I called a general Chase line on XX/XX/XXXX and was told that the case was closed because Chase never heard from me. I explained that I had called multiple times and two Chase associates XXXX and XXXX told me they reopened the case as XXXX and I should expect a phone call from Chase. On XX/XX/XXXX I received a call with a voicemail to call back XXXX at XXXX, ext XXXX. Since XX/XX/XXXX I again called 5 times at different times, leaving several messages but still unable to reach them. I feel that Im intentionally ignored by Chase in order not to pay the bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 a 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 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 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has Reported late payments on my Auto loan XXXX XXXX XXXX without my acknowledgment. The late payments should not be on my Credit Report. I paid this Auto off in XXXX 6 months to one years time. According to Code 15 US 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure the each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime has been giving me the run around asking me for documentation when all documents have already been submitted. For example, they asked me to submit my last four ssn 4 times when Ive already submitted twice already. Incident occurred on Friday XX/XX/24. Then they asked me to submit an identity theft report which has been uploaded to their system on Saturday XX/XX/24. Today, I was asked to submit an identity theft report AGAIN when it was already uploaded into system and confirmed with customer service rep that it all documents have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to bring to your attention a serious issue I have encountered with my credit report. Upon reviewing my credit history, I discovered multiple hard inquiries that I do not recognize nor authorized. Despite my efforts to resolve this matter with the credit bureau, they have failed to comply with my request to remove these inaccurate inquiries. 

I have diligently followed the proper procedures by contacting the credit bureau and formally disputing these inquiries. However, to my dismay, they have neglected to take appropriate action to rectify the situation. 

In light of these circumstances, I have attached an identity theft report as evidence to substantiate my claim that these inquiries are not legitimate and are the result of fraudulent activity. It is imperative that these unauthorized inquiries are promptly removed from my credit report to prevent any further damage to my financial standing. 

I demand immediate action to investigate this matter thoroughly and ensure the removal of these inaccurate inquiries from my credit report. Your intervention in resolving this issue is crucial to safeguarding the accuracy and integrity of my credit profile.

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 2024-02-13 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: IN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2024-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have a borrowers defense case in which the Department of Education deemed my former school to be fraudulent. The Department of Education approved my case for a 100 % refund. My serviced at the time ( Navient ) has told me they wont give me a refund because I paid my loans in full. Whats the difference whether they were paid, not paid, forgiven, etc. I used my sign on bonus from the military to pay off those loans and do the right thing. Fraud is fraud, and I should be paid back in full like the Department of Education recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of 2023, My pension amount of {$240.00} stopped coming to my Bank, which was XXXX XXXX  at the time. XXXX XXXX  XXXX with US Bank. So now my Bank is US Bank. The problem is since this merger I have had trouble receiving my pension amount from XXXX XXXX XXXX which is where the amount of {$240.00} was supposed to be coming from to be deposited into my bank account. US bank claims they are not receiving these funds anymore, yet I am still receiving direct deposit summaries from the XXXX XXXX XXXX. So the Bank no longer has my money they claim, and XXXX continues sending receipts that its being deposited somewhere because they are sending monthly deposit summaries. I continue to receive from them with the amount of {$240.00}. I have tried to resolve this with XXXX XXXX  and with XXXX, but the same thing continues to happen with me not receiving my pension payments. Neither party is taking responsibility and acts as if its my fault and continues to say the same thing and that is US Bank claims that they are not receiving anything from XXXX and XXXX continue to send Direct Deposit Summaries.In XXXX, I have requested that XXXX start sending my pension funds directly to me, but so far, I havent received my pension payments. XXXX states that they are sending my payments to Money Market Retirement : XXXX : XXXX XXXX XXXX, Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX is the correct Bank number address, but they must have gotten confused because I told them the name of my bank is US Bank XXXX NOT Money Market Retirement.

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 2024-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/24 contacted Chase Bank XXXX XXXX XXXX, XXXX CA XXXX in person, to close a trust account for a family trust at the death of the original Trustee. Chase Bank claimed the account was not a trust then later that next day said it was a trust and asked for a copy of the Certificate of Trust designating the new Trustee. This form was originally presented XXXX but was sent to them several times via email again as the new trustee had by then returned to their XXXX home. 

XXXX XXXX  later without the account being closed yet ... .the supervisor, XXXX , at the Chase Estate Services corporate office in Illinois said she had sent a letter to the new Trustee by mail requesting a form XXXX Chase Trust Certificate that now needed to have a XXXX XXXX XXXX since the new Trustee lives in XXXX . A XXXX XXXX could take XXXX months ... .this is unacceptable!!

This bank is holding this money unnecessarily and needs to close it without further hoops to jump through. This could all have been done in XXXX day as the new Trustee presented all necessary notarized paperwork in person on XX/XX/24. If other forms XXXX were needed they should have been presented at that time!! This is all inept banking practices designed to harass and use others money for their own purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Bank account closed and showed a balance of {$1000.00} that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield Inc [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Hunter Warfield, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Hunter Warfield has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Hunter Warfield promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Hunter Warfield to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Hunter Farfield , as provided under Section 616 of the FCRA. Done in good faith.

Company response to consumer: Closed with non-monetary relief