vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: LA

Complaint narrative:
An individual called my daughter on her cell phone from Chase bank claimed that there was fraud on my account and they were wondering if it was her. She said no and they said they would cut off her card and send her a new one in 3-5 business days but needed to set up a new pin number. Considering the number was from the local branch she was asked to verify her old pin so they could giver her a new pin number. Chase then allowed an individual to add my ATM card to a Mobile Wallet ( XXXX XXXX ) without any verification and use it to access a Chase bank ATM and perform 47 ATM withdrawals over the course of two days to withdraw money from my account exceeding the normal daily limit of ATM withdrawals. At no point in time was my physical card not it my possession or known to be compromised. When the charges were noticed and a fraud claim was made they denied the claim for reimbursement of {$2800.00} saying that i had authorized the withdrawals. A police report was filed and Chase bank would not send the video surveillance without a search warrant to assist in identification of the individual but would only send still shots from the ATM which were very little help due to chase allowing the individual to enter the bank and access the atm located inside the branch with a hat and covid mask and proceed to make atm withdrawals for a period of 20 minutes without being questioned. Chase bank is not helpful at all at identifying the individual or assisting to get the money back because they just denied the claim so have no financial incentive in assisting address this problem or view of liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Bought wedding rings XX/XX/XXXX with a promotional XXXX for 48mths. Then bought my husband a XXXX Chain necklace XXXX of XXXX with a promotional balance of 0 % for 12months. The firs promotional amount was XXXX XXXX monthly, then added was {$190.00} for the second purchase. So in calculations I paid XXXX to XX/XX/XXXX, XXXX XXXX monthly. I looked at my XXXX statement to see that i should only have {$100.00} paid to payoff the 0 % for 12 months. Instead I see a payoff for XXXX to be paid by XX/XX/XXXX. I didn't think this was correct, So I called the card services area and talked to a manager to express my concerns. I was informed by XXXX employee # XXXX the Manager of IDDEAL card services that their is nothing that can be done. I asked the company to apply the payments correctly that all {$200.00} extra payment to be applied correctly. I was told by XXXX, she understands my frustration but can't help me with options to correct the company error. So this company applied all these payments to the first promotional because it was at 9.99 % and company made a decision to apply it how they wanted it so I can be hindered with a 29.99 % if the balance wasn't paid in full when ultimately it should have been paid in full. This is credit robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am writing to the Consumer Financial Protection Burea to seek proper handling of my claims by XXXX XXXX and Discover Bank. They have fraudlently closed my account but have refused to offer me another credit line and are refusing to acknowledge my report regarding fraud and are claiming that identity fraud case which occured did not take place. This lie has resulted in a {$6000.00} credit fraud claim loss and is an attempt to falsify and defraud XXXX XXXX like myself and discredit the investigations of the XXXX XXXX Police Department. Discover was my credit card compamy for XXXX years and instead of providing customers like myself quality investigations and reimbursement services they have dismissed my claims as imaginary and behaved in an unprofessional manner by not speaking with me prior to closing my account ( but Discover is holding my financial data XXXX and preventing me from opening other credit cards for my self employement ). On XX/XX/XXXX, I reported the {$6000.00} Discover credit card fraud loss to XXXX and on XX/XX/XXXX it was reported to me that the claim number XXXX under policy number XXXX investigation confirmed that no fraud was committed under insured credit line despite the fact that fraud did in fact take place on XX/XX/2023. Discover and XXXX 's behavior is tantamont to digital and financial terrorism and I am seeking a reimbursement of the {$6000.00} as my insurance policy with XXXX XXXX allows or a reopening of my Discover Card credit account with the previous credit balance of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Code title 15 sub-section 16.11 false and misleading information on my unlimited credit I am being denied credit on my unlimited credit

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 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Usury interest rates 23.30 % on auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: NM

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have a car loan from Santander Comsumer USA I've never owned a car. can you please help me remove this as soon as possible. it is a big hinder on my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account with Wells Fargo. ( XX/XX/XXXX ) I ended up changing my mind and closed it the same day due to their reputation that I didn't know of. My initial transfer to start the account was {$500.00}. They did not take the money until after I closed my account. ( XX/XX/XXXX ) I thought this was strange that they took my money after the account was closed so I called Wells Fargo and I told them about the transaction that took {$500.00} from me and at first they said dont worry a check will come in the mail. I call 2 to 3 weeks later with no check in the mail and they denied that it was them even though it says Wells Fargo took the money. Wells Fargo said that I needed to submit a dispute with my other bank XXXX which I did and XXXX did not side with me on the dispute. I even had a group phone call with a XXXX representative and a Wells Fargo representative and they both said that they agreed that the charge wasn't valid because that account was closed. Please help me {$500.00} is a lot of money for me in the holidays.

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 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
This third time to get this resolved in five business days ' notice now will go to us in federal court for review of breach of contract under the bill of exchange as bearer and demand for title proper interest owed to the principal account certain that you are unaware of these actions because you did not forward this to the director drawer of this account. Unable to resolve this transfer of credits to the bearer and interest of application, the CFO needs to be alerted of your actions because you have violated due process to interest due and shall be paid to the older of XXXX XXXX XXXX the title 12 section 29a is more indebted for more instruction to the CFO CEO director of this company. Your reach is not the same issues talked about. XXXX XXXX does accept the bill and has endorsed it but was denied because of the burden of proof of the laws and the application process to wire the interest to the balance within a certain amount of days instructed by the bearer XXXX XXXX XXXX XXXX XXXX XXXX did not give you permission to handle his estate interest and reports that's fraud. You shall pay XXXX XXXX dollars for violating tier 3 of the Federal Reserve Act and regulation of exchanging bills the right way. Now that you have delayed the transfer several times by civil actions, it can be forwarded to the proper federal courts to resolve. You do not have to answer back to this instruction because the courts will fix this issue soon on notice of security fraud and breach of contract. 

XXXX XXXX noticed and requested a reply back in...

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 2023-12-08 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I looked on my XXXX XXXX account and saw hard inquiries from different companies that I've never heard of and definitely didn't authorize to pull my credit. According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rest are my open accounts. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried so many times to remove this bankruptcy from my credit report. This bankruptcy was filed by my ex husband, to try and save a property that i wasnt aware that was under my name. At first i thought that the bankruptcy was my moms because we have the same name but now i realize what really happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Multi people have had used my personal information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even 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 There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX home loan under my XXXX XXXX XXXX XXXX XXXX. XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX for drug trafficking stolen cell phones under my information XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORT EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: WA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-08 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: GA

Complaint narrative:
On XX/XX/23 I wrote Equifax to start an investigation into credit inquiries appearing on my credit report I never authorized! I never heard back from them and they still are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I received a coupon for Chase email with an offer for {$300.00} for opening a Chase Total Checking account, {$200.00} for opening a savings account, and {$900.00} for doing both. I opted to do the {$300.00} checking acct. The green button said Open an acct and states Coupon code applied when you click open an account. For the {$300.00} checking offer it asked for any direct deposit to be added to the account. I signed up XX/XX/24 and made a direct deposit XXXX, XXXX, and XXXX XXXX. I reached out to support starting XX/XX/XXXX as I did not receive a bonus for the first deposit XX/XX/XXXX. The representative stated the code was not on my acct and could not be added after 21 days. This is not true because the link stated coupon code was automatically applied when going through the link. 
I then called the chase telephone line and the representative stated they can see the coupon but i'm not a new customer and escalated to his supervisor. The supervisor confirmed that is not true as I have not had a checking account over 2 years and that I was eligible as a new customer and had made proper direct deposits and that they would escalate. A representative called back XX/XX/XXXX and inquired about the account and I gave info about not being customer over 2 years and said he will escalate and call back. No one called back. I reached out the next week and an agent said the ticket was open and to just wait. I followed up again today because no one has called and the agent said the agent closed the ticket XX/XX/XXXX even though he said he was working on it and would escalate still because I had not been a member and was looked at as a new member. 

Used {$300.00} Checking promotion/ Satisfied direct deposit Have not had a checking acct over 2 years Chase is not holding up on their part of the deal to pay bonus. I was mislead with opening acct. I was told by the supervisor I was in the right from Chase because I was a new customer because of time since last closed account, I used the promo. and made a direct deposit. They have since lied to me and not honoring agreement set.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I went to XXXX to deposit money into my chime bank account since it was free. I deposited {$330.00}. That was in XX/XX/XXXX at XXXX. As i drove home, i got a notification from chime. I assumed it was to tell me that my funds were deposited. Once i got home, i took a closer look at the notification. It stated that {$320.00} was sent via XXXX XXXX and my new balance was {$12.00}. It was very upset. I didnt make that transaction. Since it was Friday, i knew it would be Monday before i could start my dispute with them. On Sunday night, XX/XX/XXXX, i called chime because the transaction was posted. Upon calling and verifying my identity, they started by dispute and issued me another card. They told me to be on lookout for the decion via email and gave me step by step on how to upload my documents to support my claim on the app. I did just that. On Wednesday, XX/XX/XXXX at XXXX XXXX  i received a email from chime stating they were denying my claim and saw no error. I called them to make a rebuttal. On that same day, atXXXX XXXXXXXX  they sent me another email stating my claim was again denied. I called them again to get it escalated. They said someone would email me at the end of the day and i can speak to them about my concerns. I never received the email. I called again on XX/XX/XXXX. and got the same thing. Someone would email me, no problem. I never got the email. I contacted XXXX on XX/XX/XXXX at XXXX XXXX  to be on the safe side to mabe see if they could track it by the amount or something. I was desperate. They couldnt do it that way and they stated because XXXX XXXX is an authorized payment service ( using XXXX XXXX  ), they couldnt do anything anyway. That same day i tried to do another rebuttal with Chime. I updated the information and sent it to the claims team. I was again denied at XXXX.

Company response to consumer: Closed with explanation