vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I am in the process of buying my first home. I called multiple times to request and see if a wire transfer can be done to the title company. I was told yes they could do it. Then I was told no they do not do that. After being told Credit Karma can only do ACH transfers up to {$10000.00} per day, I decided to close my account and have my money wired to my only active linked bank account with XXXX XXXX ending in XXXX. After multiple calls and email correspondence confirming they can in fact send all my funds in one transfer to my bank account ending in XXXX, they instead sent it to a close XXXX XXXX XXXX XXXX account that is not linked due to closure. The funds were then sent back to Credit Karma from XXXX XXXX XXXX  and received. I called and asked again where is my money? They told me previously when the funds came back they would wire it to the correct bank account. When I called today they could not find information on this matter and had to look into this. After the representative found my information, they informed me they have lost my money and do not know where the funds are and will be escalating the situation to a different department who would be in contact with me. In total they have lost and withheld {$23000.00} from me and caused me to possibly lose my new build home. If I want to keep my new build home, I must pay {$200.00} a day and an additional 1 % of my home loan. I need my money wired to the title company by XX/XX/XXXX in order to keep my home and not lose it. They have absolutely provided no help and continuously tell me they have no way to credit and transfer the money they lost. When I asked can they please reopen my account and do 3 ACH transfers instead, they denied that option as they do not allow accounts to be reopened. They said they would send a check, but that has yet to happen as they say they dont know where my funds are at this time. There has been multiple recorded calls and emails showing these accusations are correct and true. I have filled out a form called Written Statement of Unauthorized Debit per request of a customer service representatives manager. He told me I can not get a credit or any of my money back without filling out this form and sending it in. I have not been contacted by anyone yet. 
When brought up that FDIC mandates that issues like these are protected and since you will be receiving the funds, why can I not have my money sent now via check to current mailing address or direct deposit to the active linked bank account, I was told, I understand there may federal laws in your country, but we are not actually a bank, so we dont have to follow that. 
From my understanding Credit Karma operates on XXXX Banking institutions licensing and must adhere to all laws and regulation associated with this bank in order to operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC
State: CA

Complaint narrative:
I have no contract with Apelles, they have no written consent by me to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2024 I saw multiple credit cards and accounts requested or opened in my name without my consent or knowledge. I reported the fraudulent accounts and got them resolved except for this XXXX XXXX account XXXX I got a letter on XX/XX/XXXX saying the account has been closed and pending investigation, but as of today on XX/XX/XXXX the account is still active on the credit report and has a balance for {$990.00} ( updated XX/XX/XXXX ). I called XXXX on XX/XX/XXXX to confirm the account was closed, which is not the case since it is still open and being used.

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 2024-05-26 00:00:00
Product: Credit 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: VA

Complaint narrative:
I returned the merchandise and was not credited. The return receipt was provided in the attachment. No response from the merchant for this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX in XX/XX/year> and applied for the store credit card to receive the promotion of 0 % for 12 months. The purchase total was just under {$1800.00}. I recently received a statement this month with an interest charge of {$590.00} because I was informed this balance was not paid in full by the time the promotion expired. When I called customer service to inquire about the interest charge I was informed if I wanted any of the payments I submitted over the last 12 months to be applied to the promotional balance I needed to call them after submitting a payment to tell them I wanted the payment applied to the promotional balance. I was told I could avoid the interest charge if I paid the promotional balance in full ( {$1000.00} ). I was then informed when a payment is received the payment is applied how they deem fit. I was under the impression the payments I was making over the last 12 months were being applied to the promotional balance since that was the very first purchase made with this card and the reason this card was opened. I have done this with other store credit offers and have never had this experience.

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 2024-05-26 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: CA

Complaint narrative:
Please remove the accounts on my consumer report. They do not belong to me. 

You do not have permissible purpose to report on my consumer report.. 

15 usc 1681 permissible purpose requires a written authorization to furnish on my report. 

I am Requesting you produce my written document giving you permission to furnish. I want the original copy with my wet ink signature.

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 2024-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LCS FINANCIAL SERVICES CORPORATION
State: IN

Complaint narrative:
I was called XXXX from XXXX to XXXX and then they stopped emailing suddenly. On average I would receive a call XXXX times daily and it made me change my phone number that I had for over XXXX years. I paid off all of my debt in XXXX because of my XXXX XXXX XXXX and was planning on using the XXXX money for that. Once I logged into sallie mae my loan wasnt there and I realized they hadnt contacted me since XXXX. Once loan payments paused because of XXXX  I didnt know if it was forgiven or what had happened. Now in XXXX, I got a letter saying they sold it to collections and Im being sued. The last email I received from sallie mae never informed me of when or who they were selling it to and I was blind sided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was looking over my consumer report and I saw the account listed below. I am confused on why this account is showing on my consumer report. I do not remember receiving any disclosed information about this account being able to report to such third parties as XXXX, XXXX, and XXXX. 
Account Name : XXXX : NELNET Account Number : Could you please send all my disclosures per XXXX XXXX ( b ) that should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & XXXX ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers.

I do not mean to come off too forward, I am just exercising r rights to opt out of having my information reported per 15 U ; 6802. 
Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete these accounts from my consumer report? 

Respectfully, XXXX XXXX I they have all my loans in DEFAULT DUE TO INCOME except these 3. They have also changed the loan providers name.

I have contacted them time and time again to explain to me why these 3 are not in forbearance or default as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: WI

Complaint narrative:
IC System of XXXX continues with non-stop XXXX XXXX calls. Spam calling all throughout the day. IC system continues to relabel and re-report an old debt from a company called XXXX XXXX. This debt was incurred in XXXX. I subsequently repaid this debt immediately to XXXX XXXX IC company continues to change the dates and has refused to send me any verification regarding the date they obtained this debt, who they purchased it from, and any and all identifying information regarding this debt. IC System continues to change the date and re-report this collection over and over. This collection should have been removed from my credit report many years ago. IC System continues to renew it -starting the clock all over again. this is predatory, dishonest, and illegal.

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 2024-05-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed and reported charges for XXXX XXXX XXXX on my Chase XXXX account that I did not purchase. 

they closed my credit card and gave me a new card. They removed the charges that I reported as fraudulent. These charges were for XXXX XXXX. 

Each charge was for {$1700.00}. 

Transactions number ending it XXXX, XXXX XXXX charges were XXXX. 

This is a lot of money that I would not be spending. 

On XX/XX/XXXX, I noticed Chase placed these charges back on to my new card. 

Since them I have been arguing with Chase to say these are not my charges. I have also filed a claim with XXXX XXXX to dispute these charges. 

If you look at my credit card history you will see I don't buy expensive XXXX XXXX. I don't have in my budget for a big trip and if I were taking a trip I would also book a hotel and a place to stay. Chase is saying since one of the tickets was in my name ( odd sine there is no record of this in my XXXX account ) and that the ticket went unused that these must be valid charges. 

I have spent over XXXX hours trying to get this resolved and I am headed back to the bank on Tuesday to get more help. 

I am very disappointed in Chase, I thought that they would protect me. I have been a customer for over 25 years. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Westcreek Financial
State: IL

Complaint narrative:
ACCORDING TO FRCA SECTION 605B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION, THANK YOU PLEASE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I received notice in the form of a Deficiency Letter that Credit Acceptance had sold the vehicle to another consumer through a third party auctioneer named XXXX XXXX. I called Credit Acceptance on that same date and requested a copy of the XXXX XXXX because the amount they claimed to have sold it for seems to be incredulous. I even told them that they can edit or black out with a marker the consumers personal information that bought the car. They have refused to send this information violating federal law so that I can verify what it was actually sold for and pay what my remaining balance my be.

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 2024-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: IN

Complaint narrative:
I was called XXXX  from XXXX to XXXX and then they stopped emailing suddenly. On average I would receive a call XXXX  times daily and it made me change my phone number that I had for over XXXX years. I paid off all of my debt in XXXX because of my XXXX XXXX XXXX and was planning on using the XXXX  money for that. Once I logged into sallie mae my loan wasnt there and I realized they hadnt contacted me since XXXX. Once loan payments paused because of XXXX  I didnt know if it was forgiven or what had happened. Now in XXXX, I got a letter saying they sold it to collections and Im being XXXX. The last email I received from sallie mae never informed me of when or who they were selling it to and I was XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Ive been using my card up until I requested my PIN number it came in the mail but when I tried to do a atm withdraw of {$300.00} it flagged security on citibanks end previously I had a phone number issue where Citibank changed the number on my account but countless reps cant send a code to the phone to verify my identity seems very petty and confusing. They mailed me a reference number I never got it I called 4 times about the reference number they said they would send a new one twice at this point Ive just been waiting a very long time nothing ever comes in the mail.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving XXXX XXXX on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of XXXX credit in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - XXXX credit is a bloody scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent jokers. 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with XXXX. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of XXXX allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in 2019 a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious XXXX XXXX XXXX XXXX XXXX The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. XXXX is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation. 

Yours in absolute dissatisfaction,

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking over my consumer report and I saw the account listed below. I am confused on why this account is showing on my consumer report. I do not remember receiving any disclosed information about this account being able to report to such third parties as XXXX, XXXX, and Equifax. 
Account Name : XXXX : XXXX Account Number : Could you please send all my disclosures per USC 6802 ( b ) that should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & Equifax ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers. 
I do not mean to come off too forward, I am just exercising r rights to opt out of having my information reported per 15 U ; 6802. 
Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete these accounts from my consumer report? 

Respectfully, XXXX XXXX I they have all my loans in DEFAULT DUE TO INCOME except these 3. They have also changed the loan providers name. 

I have contacted them time and time again to explain to me why these 3 are not in XXXX or default as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I already reach out to the credit company that this account was supposed to be made for my identity has been stolen and disputed among multiple accounts due to identity theft I told the company this account was opened fraudulent and I have no access to this account information

Company response to consumer: Closed with explanation