vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Both of my accounts were permanently closed on XX/XX/, and XX/XX/, respectively. At the time of closure, there was a balance of {$15000.00} in my checking account and {$4000.00} in my savings account. These funds were not returned to me following the account closures. 

I have contacted customer service numerous times. Based on these conversations, I understand that my accounts were flagged as fraudulent. It was explained that the remaining balances were considered suspicious because they were transferred via XXXX, making it difficult for the bank to verify the legitimacy and intent of these transactions. Additionally, I was informed that some transactions were reported as fraudulent and consequently reversed to the sender. 

Upon reviewing my account 's incoming XXXX transaction history, I noted that all but seven transactions were from friends of mine so they will not be reported. The remaining seven transactions were from individuals I do not recognize. However, I am prepared to provide explanations and evidence to justify these seven transactions. 

On XX/XX/XXXX, I engaged in a currency exchange with an individual based in New York, conducted online. I transferred XXXX XXXX XXXX to him, in exchange for XXXX USD. There is a notarized translation of our chat history confirming this exchange among my supporting documents. 

Unexpectedly, I received the XXXX USD over XXXX days, XX/XX/XXXX and XX/XX/XXXX, through XXXX separate transactions from accounts with names I did not recognize. This approach initially confused me, but the individual later explained that it was due to a daily limit on outgoing XXXX transfers. Here are the details of these XXXX transactions : XX/XX/XXXX : XXXX. XXXX XXXX : {$240.00} XXXX. XXXX XXXX : {$420.00} XXXX. XXXX XXXX : {$470.00} XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} XX/XX/XXXX : XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} These transactions constitute all the funds received from unfamiliar accounts. Apart from these, I recognize every other XXXX sender. 

To further substantiate the legitimacy of the transactions, I have spent considerable time gathering notarized letters from my friends who have made significant XXXX transactions with me throughout 2023. These documents, evidencing the willingness and voluntariness of the transactions, are also included in my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
I sent a letter to Credit Management LP asking they please supply me with information about the debt so i can be fully informed of the debt in question as to be mine. Please see attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
This has been an ongoing struggle with Flagship Credit Acceptance for a long time to get this straightened out and interest etc has been piling up while attempting to resolve several issues that I am having and have had with this company. I have made several attempts to talk with an accounts manager but have been given the run around ever single time!!!! I ask them to review recordings of past conversations but they somehow are not to be found or no record of the conversation. This company refuses to correct their mistakes and I bear the punishment via interest, fees, etc.

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Previously, I opened a secured credit line with Capital One : On my credit card and also on my account, the name associated with the account is XXXX XXXX XXXX. I am XXXX XXXX XXXX. 

Therefore, a week an half ago, I opened a checking account. I told them that I noticed that my account said XXXX XXXX. There are at least XXXX XXXX XXXX in the world, and my father is XXXX XXXX XXXX, and He also goes by XXXX XXXX. 

Do you the problem? As I wish that my debit card and my account information state XXXX XXXX XXXX like my credit card with capital one. 

I wish to know why my debit card states XXXX XXXX when I am XXXX XXXX XXXX. Also, I wish to change it to XXXX XXXX XXXX, and I told Capital One the same story. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is XXXX XXXX, on XX/XX/2023 someone hacked my phone/sim ( XXXX ). They hacked my banks, emails, and also my identity. That same day in the morning I went to Chase Bank to change my account number and information. That same evening the hacker did a transaction once again from that new account. I called customer service and stopped that online transaction. Later on XX/XX/XXXX, I went to the bank and changed my account number again and gave them my new phone number. Somehow whoever still got access to everything again. I went to the bank again and they said to change my device and get another new number from another XXXX. I did that but some days later it started happening again. XX/XX/XXXX I received a notification on my phone from the online banking app that my information was updated and I had to call customer service to lock my account. I later went to the Bank the same morning and was talking to an employee who was helping me contact customer service and at that same time somebody transferred XXXX XXXX Dollars ( {$40000.00} ) to a company ( by wire ). I told them to stop the transaction, the person who was assisting me was also telling the customer service line that it's not me but even though the person was sitting right in front of me the customer service didn't stop the transaction but instead took a claim and said they are going to start an investigation. Few days later I received a letter from the bank that stated no action will be taken. I called customer service once again and they told me that they did not find any fraud so they couldn't give me my money back. They told me they sent a code to my phone before the transaction but that was my old number which the hackers still had access to. They were changing numbers. I told the bank and the bank knows everything but after everything how does the bank still add my old number to my profile when I changed it to a new number. The bank couldn't give an exact answer but they couldn't give me my XXXX XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
See all letters attached

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX called and had TransUnion remove security freeze permanently. I spoke to XXXX representatives that informed me that the security question to authenticate me was unavailable. 

Representative informed me that she could not help me and mail in documents. 

Informed representative that I had a PIN number and representative informed me that PIN are no longer used. 

I never received any documents informing me that PIN are not used anymore. 

I asked for supervisor. 

I was transferred to supervisor and freeze was lifted permanently. 

Today the security was placed back on my credit report without my knowledge. 

I spoke to XXXX representatives and XXXX in the XXXX department and none of them could lift security freeze. 

All of the representatives stated that their system could not generate security questions. 

The representatives also informed that I had the security freeze lifted and added to many times and that is why the security questions are not generated. 

I informed the representative that I am within my rights to add and lift the security freeze on my file as many time as I wish. 

I asked to be transferred to the supervisor and supervisor informed me that freeze could not be lift because no security question were available to have me authenticated. 

I also informed supervisor that I their online tech support submitted ticket last week to fix issue online to freeze & unfreeze file and nothing was done. 

As of today, my credit report is frozen.

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 2023-12-11 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ). XXXX not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company haven't remove incorrect address

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
XXXX Mortgage XXXX Land Home Financial Services repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # XXXX that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed 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 2023-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union for their persistent and intrusive communication practices. The excessive calls have become overwhelming and have created a significant disruption in my daily life. I believe these actions XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations. 


Navy Federal Credit Union has been making incessant calls to my phone every day, often multiple times a day. Despite explaining my situation, the calls persist. 

I have spoken with representatives from Navy Federal Credit Union and explained that, due to my current financial situation, I am unable to make payments at this time. 
The continuous and frequent calls have become excessive, causing unnecessary stress and anxiety. 

I believe Navy Federal Credit Union 's actions XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant federal and state laws. The FDCPA prohibits debt XXXX from engaging in abusive practices, including excessive and harassing phone calls. 

I have taken the following steps to address this issue directly with Navy Federal Credit Union : I have spoken with representatives, explaining my financial situation and expressing my inability to make payments at this time. 
Despite these conversations, the persistent calls continue unabated. 

I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Navy Federal Credit Union should immediately cease all communication with me, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and any other relevant federal or state laws. 

An acknowledgment from Navy Federal Credit Union of my current financial hardship and a commitment to work towards a reasonable solution. 

Implement measures to prevent Navy Federal Credit Union from engaging in similar harassment in the future, ensuring compliance with applicable laws and regulations. 

I believe these actions would constitute a fair resolution to this matter and bring it to a satisfactory conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Pro Collect has XXXX collections for XXXX apartments XXXX for {$790.00} and the other for {$980.00} i have disputed this and told them it was identity theft and i didnt live in any of these apartments. I have even tried to settle for half the amounts that is said to be mine on both accounts the rep over my account is rude and will not correct any of this. ive asked several times for the contact with my legal wet signature i also asked him to send me proof of ownership of this account and he has never provided any that.

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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/23 I applied for a Macy 's credit card to take advantage of a store sale. I paid the entire amount of the purchase using another credit card. 

XXXX Citi Bank purchased the account. 

On XX/XX/23 I received a letter from Citi Bank claiming that my account was past due. 

I called my local Macy 's and was able to determine that I owed {$64.00} of which {$30.00} was past due. 

These charges were not authorized by me. 

I spoke with the XXXX XXXX and was told, over the phone, that due to the dispute my account now had a XXXX balance. I was not allowed to close my 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 explanation
Consumer complaint received 2023-12-11 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: WA

Complaint narrative:
I do not recognize these credit inquiries and I have asked the bureaus to remove them and they have not done as I asked. I'm providing an identity theft report and requesting these to be removed because they are inaccurate and not mine

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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Union Home Mortgage Corp
State: OR

Complaint narrative:
XX/XX/2023 - tried to access my account online. Told they were switching to a new website. Was not warned and was blocked from accessing my account information until the XXXX. 
XXXX Registered with their new account, was unable to access any statements or other documents. Called to find out what was going on. Waited on hold, was told to put in my number and they would call me back. Not sure if they called me back but received a phone call that rang once and hung up. 
XXXX Applying for a HELOC, but can not because I still do not have access to any of my statements online. Called again, no answer. Automated message said they couldn't answer the phone.

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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a + court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before 566 a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written 380 instructions of the consumer to whom it relates. 

XXXX - XXXX Last updated XX/XX/XXXX Balance {$1400.00} Account Details DEROGATORY Account Type Telecommunications/Cellular Credit Type Open Account Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$1400.00} Highest Balance {$1400.00} Original Amount {$1400.00} Term - Remaining Term 0 months Monthly Payment - Hard inquires I would love to have deleted 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 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 non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Starting in 2021 up til now, to work on my credit, credit karma would claim that I have outstanding odds to recieve a credit card approval, then I go and apply for it just to be denied and my credit drop and for them to send me a letter of denial and email pertaining it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ON XX/XX/2023 I DISPUTED FALSE INACCURATE INFORMATION ON MY CREDIT REPORT. THE CREDIT BURUEA RESPONDED STATING THEY HAVE VERIFIED THE DEBT. I THEN RESPONDED BACK ASKING FOR VERIFICATION PROOF FROM THE INVESTIGATION OF THE DEBT WHICH WAS IN THE AMOUNT OF {$26000.00}. THE CREDIT BUREAUS REFUSE TO SEND IN PROOF OR REMOVE THE INACCURATE/FRAUDULENT ACCOUNT 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