vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While we were vacationing in XXXX XXXX in XX/XX/2022, our rental car was damaged as the result of an attempted break-in. We filed a claim for XXXX with Chase credit card services on XX/XX/XXXX when we returned to the XXXX Chase says they will cover damages if we use their card to pay for the rental car, and waive the rental car agency 's coverage. We did this. Travel insurance is one of the benefits we pay for with this card. After months of emails asking for documentation we previously submitted and countless attempts to contact Chase by phone, I was finally able to get through to a representative on the phone on XX/XX/XXXX. The representative, XXXX, said that she saw that all the documentation had been filed, and agreed that we had a valid claim, but said she was required to pass on the claim to her supervisor. She said she would call me back within ten business days with a response. On XX/XX/XXXX, after 10 business days, I followed up and got no response. It's been over 20 business days since that initial call, and I still haven't gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
A fraudulent charge appeared on my XXXX credit card statement with Citizens Bank Credit Card. The fraudulent purchase took place on XX/XX/22 as an electronic check for {$3200.00} along with a fee for {$120.00}. Over the next week, two more attempts were made on my account to extract {$5000.00} each time. I found out about those subsequent attempts because the cc company sent me letters apologizing that they couldn't make those transfers due to insufficient funds in my account. I never made any of those purchases/requests. 

I called to report this on XX/XX/22 after seeing my statement for that month and those letters. They told me I'd not be responsible for payment during the investigation but still left the amount on my file and charged me a late fee. I then called back with information I'd learned from the FTC website, asking if they'd be reporting that balance to credit bureaus. It was only then that they removed the amount and late fee and said they're still investigating. 

The current issue : They called me about a week ago requesting to speak with me about the fraudulent electronic check. They said to call the customer service number back and leave with the rep a good time to call me. I did. They have yet to call me back. Claims reps are impossible to reach as well. The number they listed in the letter they sent me from The Credit Card Claims Department is XXXX. Nobody ever answers there and no option is given to leave a message ; a recording just says to call back and ends the call. When I call the regular customer service number, they say it's not possible to connect me with someone in claims. 

I'm concerned that if they don't speak with me, they might say they were unable to complete the investigation and put the blame on me. They are impossible to reach. This is scary for me. I don't make much money and am careful with my credit. I've worked hard to build a high score. I can't afford these fraudulent charges, and they're being very sketchy in preventing contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX XXXXXXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXXXXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/2021 I contacted Chase freedom credit card company to close this account. I paid the balance off in full. I then checked the account at the next billing cycle, and made sure everything was paid off. After the time that I closed the account, the company allowed charges to continue through. Also charged me late fees for not paying the account. In XXXX I was made aware of this, and I contacted the company again. I disputed the charges, told them to close the account again, and they reversed the fees and charges. 2 months later, I had the same problem again. I have called them multiple times to close the account, each time they tell me they will reverse the late charges, inappropriate charges, and fees. At one point, a charge did come through that was mine, from a reoccurring account. I did allow that, but they would not let me pay it due to things " still going through ''. I am still attempting to get this fixed. On monday, XX/XX/XXXX, I called and was placed on hold several times, lasting over an hour, then was disconnected while I was trying to get through to the resolutions department. This company is incompetent, and is not following the civil code of the intra and interstate banking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2022, a female in the Fraud Dept, told me she would not close my account, per my request. She stated that I had to submit a tax form if I wanted to close my account. She refused to state why her department needed the tax form and why I couldnt close my account. 
The following day, on XX/XX/2022, I was told the same thing by a male representative in the same department. 
When I filed my initial CFPD complaints, XXXX from the Presidents office stated that I could have closed my account anytime, and what I was stating the Fraud Dept told me is not true. 
If the Fraud Dept. closed my account when I originally asked, the CFPD complaints would not have been made.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX XXXX : XXXX Experian : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX  2 ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IL

Complaint narrative:
I opened this checking and savings account with Discover specifically because they offer cashback on all purchases, but they have been cheating me continually on this!!! Now they claim you only get 1 % cash back and ONLY up to {$3000.00} which they NEVER told me when I opened the accounts, after I just deposited and spent $ XXXX in XX/XX/2022 alone and they only deposited a pathetic {$30.00} for this into my savings account for cashback redemption!!!! I am sure they have been cheating me all along as I have not been watching it closely and never seem to get more than {$30.00} no matter what I spend or pay!!! I think they are doing this to all of their customers and committing fraud!! The rep claimed today when I called that it is correct, but it is not, even if I receive a pathetic 1 % up to {$3000.00} the minimum it could be is {$300.00}!!! I want my money!!! I have attached a copy of all transactions on my account for the month of XXXX and also a copy of the bank statement from my savings showing the pathetic deposit for cashback redemption today!!! I can also provide all past statements if needed to also go after them for past amounts owed from these cashback redemptions too, in fact I may look into filing a lawsuit over this!!! I am sick and tired of being cheated by these crooked banks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company Midland Funding collected on a debt that I did not have with them, stating that I owed this debt from a closed account whose original debtor is XXXX XXXX XXXX. XXXX XXXX XXXX wrote off my account in XXXX for a credit card that was {$250.00} and midland funding stated my debt was sold to them for collections. I did not know who Midland funding was because I have never signed anything with them. They filed a lawsuit in a county hours away from where I live and my employer received a letter for my wages to be garnished. As of XX/XX/XXXX they garnished {$1000.00} stating that I owed {$940.00} plus {$60.00} court fee. I didn't believe there was anything that I could do about it so I did not do anything. Then I realized my check wages were garnished again while I'm out on medical leave and here it is the same company again in XX/XX/XXXX garnishing my wages stating the I owed {$670.00} which includes {$480.00} owed to them and {$190.00} in court summons. I don't understand how they are able to keep garnishing my wages and I don't owe them anything nor have they presented any paperwork that shows how I acquired this debt from them. This has put myself and my family under a very stressful and financial bind. After viewing my credit report it shows that I owe them {$790.00} more. They have had several different amounts on my credit report.This has left me stuck wondering where and what do I do next. There are no more paychecks left for them to garnish wages as I am on leave without pay and they took my final check. Can someone please assist me with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have previously disputed a Collection account that was added to my Experian, XXXX, and XXXX credit profiles requesting validation of the debt listed. XXXX deleted this account due to not being able to validate it. Experian and XXXX did not delete this account, stating it was valid. Neither bureau provided proof of validation as was requested. 

I have since contacted the collection agency for validation and have only received a copy of a ledger. I have notified the Collection Agency of a pending lawsuit against the organization they are collecting on behalf of as this debt is both illegal and invalid. The collection company sent me back the documentation claiming it is verification of the debt and they are refusing to remove it. I am in active litigation with the alleged creditor about this false debt and it is extremely detrimental to my lending ability.

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
***I am making this complaint and not made through a third party. *** Sporadically, when utilizing the Chase app, it requires that I confirm how my spouse and I wish to receive statements. 

The issue is is that when doing so I have reselect paper statements each time as it defaults the radio button to electronic. 

It is an intentional act from Chase to default it to the electronic selection because it is cheaper for them. I find it deceptive that Chase continually selects a preference I do not want and does it periodically in the hopes that I accidentally select an item I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There was a bankruptcy which was appearing on credit report in error I notified XXXX XXXX and XXXX and Experian of this inaccurate info from a divorce Both XXXX XXXX and XXXX investigated and removed the error I have disputed and notified Experian numerous times in writing and online dispute with no assistance or desire top report information correctly. It is apparent that Experian is deliberately reporting inaccurate erroneous information for their own financial motivation which has kept me from obtaining the best interest rates that I am legal qualify through FCRA 15 U.S.C. 1681-1681x.

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