vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I activated a credit card offer with my Freedom Flex card from JP Morgan Chase and never received the advertised credit. I followed all instruction, activated the offer beforehand, and made a significant purchase believing I'd receive credit back. The exact language of the offer was that purchases made with this merchant would receive 10 % back as credit to my account balance, up to XXXX dollars. From my purchase, I should have received {$33.00} back as my purchase was for XXXX. I've been on and off the phone almost every other week since mid XXXX and it is now XXXX. 

Chase has refused to provide me the credit and hasn't honored their promises to follow up via phone call or even come to any resolution at this point. At first, they asked for a receipt and screenshots of the offer. I provided them this information and then their story changed to " we can't see offer details at all on our side ''. If they can't see these offers, why are sending them to customers and then not honoring them. 


Transaction Date : XX/XX/XXXX ; Posted : XX/XX/XXXX Phone Calls ( XXXX have missed a few in XXXX ) XXXX ( roughly ) : First attempt and they told me to wait XXXX business days XX/XX/XXXX or XX/XX/XXXX : I called and they told me they would fix it. 
XXXX : Received a letter saying no. I called back and they told me it was submitted wrong on their end. 
XXXX : I called again and a representative told me all previous representatives had filed everything incorrectly and would create a new case on my behalf and to give them XXXX business days. I was told I'd receive a call back. 
XXXX : After no updates, I called in. The representative told me they would need proof of the offer. They told me to send it in via secure message which I did following the phone call as I'd screenshotted it and also supplied the receipt. 
XXXX : I received an email saying they couldn't complete the request. I once again called in, and had the rep link the secure message to my case. They told me XXXX business days and they would call me & send a letter. 
XX/XX/XXXX : I called again after no updates following XXXX business days. I was told the case was denied, but they would reopen it again. The rep assured me I would get a personal phone call within XXXX business days. 
XXXX : After still no response, I called Chase today. The rep told me the case is still pending on their end, and nobody has looked at it yet. He also stated it's the same team that denied it earlier that was to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Called the company XXXX XXXX XXXX XXXX ) and stated my name, and explained that I have not ever, nor will I ever now, had an account with them. The car, and the social security number both belonged to my father, of the SAME NAME. Explained to them the age difference, my birth date and my social security number. Denied by the debt collector, the company at fault, and experian for a dispute. It is not corrupting my credit and FICO score. And it needs to be remedied immediately. If you look at my date of birth, and my social security, a middle school student could understand that the debt incurred does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COMPANY WILL NOT UNFREEZE / UNBLOCK MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Delete this account.

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 2023-10-05 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
A credit card was opened without my consent or knowledge and I just found out about it through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I've been trying to login to my account for months. I keep getting a, " We're sorry our records don't match the information you provided. Please try again. '' I just want to submit a payment for my loan but I can not even login.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I went into a local PNC bank branch to discuss my CD with over {$13000.00} dollars in it. I had received a letter stating that the XXXX was maturing on XX/XX/2023. I was initially going to reinvest in another XXXX with a higher interest rate. The funds were visible on my PNC app and in my account from the bankers view. When the banker attempted to move the funds, she received an error message. I then said to forget the new CD, I wanted a cashiers check and I would take my money to a competitor. 
I had already had several issues with PNC in the past including difficulty with communication and CD with an automatic rollover being send to esheatment without my knowledge. It took several weeks to get my funds reinstated, and when it was reinstated, I did not have the option to remove my money, as it was just put into another XXXX with a very low interest rate. I have been receiving monthly statements for this current CD from PNC, with no indication there was an issue. 

On XXXX, The banker stated that she was not allowed to withdraw the funds due to an error message on the computer. She called a helpline and spoke to several people. After about XXXX minutes, she stated there would not be a quick resolution and took my phone number saying she would call me back. I did not receive a call back, so I called the branch the next day and spoke to the assistant regional XXXX. She stated that my situation has been escalated to IT support and they will be reaching out to me. 
Later that day, got a voicemail from PNC retail support stating that there was a glitch in the system. After attempting to call the retail support employee back multiple times, she finally answered, and explained The CD department is saying the funds are not eligible for release and to contact the esheetment department. The esheetment department was saying the funds have been released from their side and should be available. She would call me back when she heard something. I insisted on an update either way the next day. 
I had not heard an update as of XXXX the next day, so I called the retail support employee and she stated that she heard from both departments, but they were both stating the same, going back and forth saying the issue lies with the other department. 
PNC bank continues to refuse to allow me to withdraw my money, and close my CD despite the fact that the money is clearly visible and the XXXX has matured. Both the branch employees and the retail support agent clearly acknowledged multiple times that I have ownership on the entire amount listed in the XXXX, and am entitled to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CA

Complaint narrative:
I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. 

These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. 
I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients

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 2023-10-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2023 I was approved for the HAF grants to help pay for my delinquent mortgage. My mortgage company PHH Mortgage is not communicating with the State of Texas HAF homeowners assistance program. 

Now my loan is at default if not paid by XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I bought a XXXX XXXX vintage cast iron from a XXXX woman in XX/XX/2023. We both were the group members of XXXX XXXX XXXX XXXX. She approached me from a posting that she made and I commented it was a beautiful pot. She was nice and responsive at the beginning before the deal was made. The pot arrived broken and it was packed badly and also without any alarming sticker such as Fragile. I spoke to her that night and she agreed will compensate me by sending me a pot if she found a similar one and requested me to wait. I waited for few months. I began running out of patient and fear for the uncertainty in life. I spoke to her in XXXX, she became impatient and saying me do not threaten her. I did not do anything, I was purely just checking with her how she wanted to resolve the issue. I wanted the pot or the money back so I was nice to give her another 2 months. On XX/XX/XXXX, I checked with her again. She denied everything and saying that she would give me a good price if she found the pot in the future. 

I posted the incident on the XXXX XXXX XXXX groups. Some commented that they had the same thing happened to them from this same woman. Few days later, I realized I was removed from the XXXX XXXX XXXX group without notice. The admin did not even investigate or talk to me. 

It is very hurt and painful. Months and months thinking of the pot and fearing of not getting anything back. I feel like I am being bully on top of loosing money. I reached out to Wise Inc and then my own bank, XXXX. Wise said they cant do anything. I replied the email asking for Chargeback but did not hear back from them. Then I called XXXX. XXXX explained that the nature of the transaction not allow them to do anything and advice me to report to a local police if I really wanted my money back. 

Wise does not allow adding any credit cards when setting up the account. I was all lead by the Wise. XXXX did chargeback for the customers. 

I want justice and I want my money back. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I got my XXXX  Credit report dated XX/XX/XXXX, Midland Funding acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after 10 minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is a phone number from Synchrony Bank that has been calling me relentlessly over debt collections. Over the last 7 days XXXX XXXX  ) they have called me at least 9 times and left several voicemails. 

They called me twice on Thursday, twice on Friday, twice on Sunday, twice on Monday, twice yesterday, and twice today. The earliest of these calls occurred at XXXX and as late as XXXX standard time.

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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC
State: WA

Complaint narrative:
I filed a complaint against Omega RMS ( complaint # XXXX ) with CFPB on XX/XX/23 which has since been closed. I mailed a debt dispute letter, in writing, within 30 days of receiving the original notice of debt. Omega RMS claims to have received that letter on XX/XX/23, however, still contacted me which is a violation of the FDCPA. Once again, Omega RMS has broken the law as I have never received any debt validation letters as required by law, yet they still proceeded to report the debt to the credit bureaus on XX/XX/23. Under the FDCPA, section 809, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Today is XX/XX/23 and I have yet to receive any such documentation. Furthermore, I received a call from Omega RMS once again on XX/XX/23 at XXXX, another clear violation of the FDCPA as it states, to continue to pursue the debt, they are required to provide proof, by mail, if not, the collection calls must stop. Due to these violations, I request the debt be removed from credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit card was lost, I noticed some unauthorized charges appeared on my statement. I notified the credit company regarding the unauthorized charges but they denied the 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 explanation
Consumer complaint received 2023-10-06 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: VA

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX Has violated my Rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer Reporting Agency can not furnish a account without my written instructions.

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