vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was charged for services from a XXXX XXXX nang that was not pervided. I attempted to resolve the issue with the merchant to no avail. 
I provided photos of the equipment not working, numerous complaints to the man that i signed the agreement with. The services were not provided. I showed proof of the conversations with the merchant on my behalf. 

I submitted a complaint with my amazon credit card Chase Bank XX/XX/year> for the amount of {$240.00}. 

I received the letter from Chase Bank Amazon credit card stating that I lost the dispute and the amount would be placed back onto my credit card. 
I did not receive the services promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request too pursuant to FCRA sub section 650B ( 15 USC sub section 1681c-2 ) that you Experian, the consumer reporting agency, block information appearing on my consumer report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> acct # XXXX and an auto loan account opened at XXXXXXXX XXXX  on XX/XX/year> acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I, XXXX XXXX noticed a change with my credit report in XX/XX/XXXX. 
With a negative impact coming from the entity, JEFFERSON CAPITAL SYSTEMS. 
At that time I sent them a Debt Validation Letter, via USPS certified mail w/ tracking number and JEFFERSON CAPITAL SYSTEMS received debt validation letter on XX/XX/XXXX. 
I received no response from JEFFERSON CAPITAL SYSTEMS, until XX/XX/XXXX with a served summons by a XXXX XXXX SHERIFF containing AFFIDAVITS OF SALES by said entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JEFFERSON CAPITAL SYSTEMS , LLC as ASSIGNEE Which was a summons to come to court for said alleged debt.

Which is in violation of cfpb ( Consumer Financial Protection Bureau ) & 15 USC 1692 ( a ) ( 3 ) - ( a ) ( 4 ) - ( a ) ( 5 ) - ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I sent Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX a dispute regarding an alleged late payment that they have furnished on my consumer reports to XXXX XXXX XXXX and XXXX and I noticed after requesting proof of compliance and disclosures that are required pursuant 15 USC 1666b, 15 USC 1681 s -2 ( 7 ) I noticed that my account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX. Over a period of 2 months, i have reported my card stolen/card number compromised. i contacted TD Bank by secure messaging within my account and by telephone to the fraud department - at those times i disputed/reported unauthorized charges. As a result, TD Bank did not cancel my card and reissue a new card, and TD Bank did NOT investigate any of the fraudulent charges. They did nothing. 

2. Hurricane Milton flooded my house and damaged it. FEMA inspector declared my house uninhabitable. Since Hurricane Milton, i have been homeless. i contacted TD Bank by secure message and by telephone and requested temporary disaster assistance to defer my payment due on the account. TD Bank told me they will not honor President Biden 's disaster declaration for Florida, and they will offer no disaster assistance with my account. Not even a 30 day deferral of current payment due. 

TD BANK is a psycopathic company that has no regard for the lives of its customers. Any federal funds TD BANK relies upon should be terminated and federal action should be taken against TD BANK. most banks are partners with their community. TD BANK is just a parasite infesting every community which hosts its branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have an auto loan with Ally financial. In XXXX I paid 2 payments, 1 regular, of {$410.00} on XXXX and 1 extra payment of {$690.00} on XX/XX/year>. ( receipt attached ) I called and spoke with a representative on XX/XX/year> and ask them where the extra payment was applied because it did not reflect on my balance as being paid, I was told it was taken for previous fees I had on my account and finance charges, what was left was allotted to my balance. I explained there should not be a finance charge if i paid the payment a week apart in the same month, also explained I shouldnt have any fees. I asked for a breakdown of where my {$690.00} payment went. I never received a breakdown, I then called back on XX/XX/year>4 and again got no-where so i ask to file a grievance they told me I have to write in through the message app and ask to file one. I did, this is attached also, I then got a call back and voicemail left to return the call. I tried calling on several occasions and did not get a response, so I wrote in again on XX/XX/year>. ( Copy attached ) I then got a call back from XXXX in the executive office. This call was frustrating at least, the woman over talked me every-time i tried to explain my grievance, her only answer was we have 30 days to respond. When I ask to speak with corporate, she said she was the highest person in charge. So that conversation was left with no response other then wait 30 days and hope they call me back. The point is she didn't even listen to what my concern was. If i owe a fee for a past balance or something I don't mind paying it, I wanted proof of the charge and fees, where my payment was applied. If this is the case no late fees, past due or anything showed on my online account so I would have no idea the charges existed. With that I ask for the now late fee they have accessed because my extra payment was for my XXXX payment, I paid it early because Im off work with XXXX. So now my account has assessed a {$200.00} late fee, and they have reported my payment late to my credit bureau. This is not right, I did all I could to pay any extra payment, make sure I was covered etc and have been given very poor treatment by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
Carrington Mortgage Services made repeated mistakes to our Escrow account, resulting in excess charges to us that were eventually refunded. This overcharge/refund occurred 3 years in a row. 
Last year, our home burned down. We updated our address with Carrington and made on time payments every month and also placed several hundred thousand dollars of Insurance funding in Escrow with Carrington during the rebuild. Though in ongoing communication with us throughout this time, depositing insurance funds and issuing draws for the rebuild, Carrington overcharged our mortgage escrow again, sent notices to the old address, then reported we were seriously delinquent on mortgage payments to Credit Agencies. They then, again, admitted the mistake and refunded us the erroneous charges. When asked to retract the highly damaging and incorrect report they had made to Credit Agencies resulting from their own mistake, they refused. The repeated mistakes made by Carrington Mortgage Services Escrow accounting, followed by defaming reports to Credit Agencies and the refusal to retract said reports has damaged our Credit Rating and our ability to recover from our home burning down. They have taken a tragic loss to our family and made it significantly worse through repeated accounting errors and callous disregard for the accuracy of their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Request several debt validation letters no response amount of claim was {$4700.00} I do not know the original creditor

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in response to previous CFPB complaint XXXX and the previous CFPB complaint to this XXXX. 


I referred XXXX XXXX to the Chase XXXX XXXX credit card on XX/XX/year>2024. I helped him walk through the application and he was approved for a credit card immediately. I used the referral link from my credit card that ends in XXXX. His zip code is XXXX. The email he used was XXXX I have now filed multiple CFPB complaints as it has been over 8 weeks and I have not received the XXXX points as promised. 

Per CFPB complaint XXXX, Chase stated that XXXX points was transferred from a closed Chase XXXX credit card in my name on XX/XX/year> from card ending in XXXX to card ending in XXXX. 

First of all, I made that transfer myself. Second of all, I did not refer XXXX XXXX from that card. Second of all, I am attaching proof that since XX/XX/scrub> 2024, I did not generate those XXXX points. The XXXX points that were on card ending in XXXX were from a referral much earlier this calendar year. I only transferred it MYSELF on XX/XX/scrub> 2024. Chase did not transfer me, and this certainly was not tied to the referral of XXXX XXXX. 


I am also attaching a letter sent from Chase to me on XX/XX/XXXX stating that if I do not make any activity on card ending in XXXX, then account will be closed in 50 days, which would be about XX/XX/scrub> 2024. I referred XXXX XXXX using card ending in XXXX on XX/XX/XXXX. How would it even be possible to refer him using card ending in XXXX if the account was already closed??? 

I have gone through multiple rounds of complaints with CFPB trying to get the referral points for this referral. First, I was told that I needed to wait 8 weeks before any review can be conducted. Now, Chase is stating that the referral credit was already made in card ending in XXXX, when those points were originally from much earlier this calendar year and I made the transfer of those points to card ending in XXXX. 

I am requesting, for the 4th time now, that I receive the XXXX points for the referral of XXXX XXXX on XX/XX/scrub> 2024. I am also requesting additional points for compensation because a consumer should not have to make the same case and argument back to CFPB so many times over what should be a minor issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: DISCOVER BANK
State: NC

Complaint narrative:
I RECEIVED A INQUIRE ON MY MEMBER ALERT FROM XXXX BACK IN XXXX  FROM XXXX XXXX AND XXXX XXXX, I CALLED BOTH BUSINESS AND TOLD THEM ITS FRAUD AND THEY SAID THANK YOU AND WE WILL NOT FUND THE DEAL. BUT THEY KEPT THE LOANS ON MY CREDIT FILE WHEN THEY WERE WARNED BEFORE THE VEHICLE WAS TAKEN AND FUND, THEY DIDN'T LISTEN TO ANYTHING I SAID AND LET A PERSON USE MY IDENTITY ANYWAYS. 
I HAVE SUED XXXX XXXX XXXX AND HAVE WON A JUDGEMENT AGAINST THEM AND XXXX XXXX IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I RECEIVED A INQUIRE ON MY MEMBER ALERT FROM XXXX BACK IN XXXX FROM XXXX XXXX AND XXXX XXXX, I CALLED BOTH BUSINESS AND TOLD THEM ITS FRAUD AND THEY SAID THANK YOU AND WE WILL NOT FUND THE DEAL. BUT THEY KEPT THE LOANS ON MY CREDIT FILE WHEN THEY WERE WARNED BEFORE THE VEHICLE WAS TAKEN AND FUND, THEY DIDN'T LISTEN TO ANYTHING I SAID AND LET A PERSON USE MY IDENTITY ANYWAYS. 
I HAVE SUED XXXX XXXX XXXX AND HAVE WON A JUDGEMENT AGAINST THEM AND XXXX XXXX IN XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: U.S. BANCORP
State: NC

Complaint narrative:
I CONTACTED XXXX XXXX XXXX AND TOLD THEM I DID NOT HAVE A LOAN WITH THEM AND THEY SAID THEY WOULD REMOVE THE LOAN FROM MY CREDIT FILE AND I WAS NOT RESPONSIBLE. I CONTACTED XXXX XXXXXXXX XXXX XXXXXXXX AND TOLD THEM IT WAS FRAUD AND ASKED FOR THE DOCUMENTS FROM THEM AND THEY HUNG UP THE PHONE, THEY HAVE POLICE REPORT SHOWING FRAUD. I CONTACTED NC CHILD SUPPORT AND TALKED TO A SUPERVISOR AND TOLD THEM HOW CAN I HAVE A CHILD WHEN IVE BEEN OUT THE COUNTRY FOR THE LAST 10 YEARS ON XXXX. 
I CONTACTED US BANK AND TOLD THEM AND ASKED FOR THE DOCUMENTS OF THE LOAN THEY SAID I HAVE AND SENT THEM A FTC REPORT AND POLICE REPORT AND THEY STATED THEY WOULD REMOVE THE FRAUD ACCOUNT FROM MY CREDIT FILE AND REMOVE EVERYTHING FROM THE TRADE LINES AND I WILL NOT BE RESPONSIBLE FOR ANYTHING.

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 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the slience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX bal. {$220.00}, XXXX XXXX XXXX BAL. {$760.00}, XXXX XXXX bal. {$630.00}, XXXX XXXX XXXX XXXX BAL. {$370.00}, XXXX XXXX XXXX XXXX  bal. {$190.00}, XXXX XXXX bal. {$1500.00}

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 2024-11-10 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: CITIBANK, N.A.
State: AL

Complaint narrative:
DILLARDSMASTERCARD/CBNA has committed Aggravated Identity Theft pursuant to 18 USC 1028 A. Dillard 's has transferred account # XXXX to CITI BANK a means of identification of me without lawful authority. An identification of me has been used without my permission that has damage my reputation and my mode of living. CITIBANK are reporting an fraudulent account that arose from IDENTITY THEFT to the XXXXedit Reporting Agencies which they did not verify as required by law on my consumer report. CITIBANK received Certified Mail Receipt of the Identity Theft Report on XX/XX/year> and XXXX received Certified Mail Receipt the Identity Theft Report on XX/XX/year>.

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 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX XXXX Remarks Placed for collection XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX- XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX Monthly Payment Original Creditor XXXX XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment Original CreditoXXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$130.00}

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 2024-11-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX  XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX XXXX Remarks Placed for collection XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX Monthly Payment Original Creditor XXXX XXXX XXXX XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment Original Creditor XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$130.00}

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