vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, XXXX promotional offer advertised not fulfilled. 

I received a letter regarding a review of my XXXX XXXX XXXX credit card for limit increase dated XX/XX/2023. It was stated on the letter that although I met the spend and payment criteria, XXXX credit card services could not raise my credit limit at this time due to the reason that I have past or present delinquent credit obligations with the bank. 

I find this reason very lame because in the first place, I don't have past or present delinquent credit obligations with XXXX. This is once again another excuse from your bank to not increase my credit limit. I do have instances that I overdrew my checking account, however, it is an authorized transaction from the bank and I made sure that it goes back to a positive state. In terms of my XXXX XXXX XXXX credit card, I have been using it frequently and made on time payments since day XXXX of being approved. 

This bank makes many excuses and tactics to not increase customer 's credit limit even though the customer has met the criteria to be eligible for XXXX. 

At least XXXX should be considerate at this time and I find it very disappointing, unfair and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My phone, wallet with my debit card and credit cards, drivers license was stolen from me on XX/XX/XXXX in XXXX XXXX. When I arrived back to United States on XX/XX/XXXX I made claims over the phone to chase that included unauthorized charges. After their investigation they are claiming I made the purchases and denied my claim. They are unwilling to help me further. 
The unauthorized transactions occurred on XX/XX/XXXX. XXXX chase XXXX payments. XXXX of {$200.00} and another of {$220.00}. 
My mother called chase to freeze my account while I was in XXXX because the people who stole everything from me had access to my phone and my personal information they had access to everything. XXXX was unwilling to help until my account went negative and I wasnt answering my phone calls ( because my phone was stolen ). I had to get everything replaced all my cards and debit and unfreeze my account and they still claim it was me. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the Middle District of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I don't have account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX XXXX, 1970, 84 Stat. 1128. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A credit card application was submitted on my behalf without my knowledge or consent with Chase Bank for a Saphire Credit Card. I did not provide my social or any of my personal information to anyone. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Collections Inc
State: SD

Complaint narrative:
The given number is my employers number. XXXX collection called my office number in an attempt to collect a debt. When I asked if that broke fair debt collections practices act, representative XXXX said no and supervisor XXXX hesitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I continue to receive an error that says " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist '' ( ED Financial ). I know I have a loan as it was visible in XXXX when I signed up/logged in to their new platform as required. It is also available via FAFSA, but the payment site does not reflect accordingly. 

I emailed on XX/XX/2023 to inquire ( and again on XX/XX/XXXX ), but have not received a response yet. I called on XX/XX/XXXX and XXXX with no call back. When I try to chat in they immediately say they can not help me and close the chat ticket. Wait times for phone calls are over XXXX minutes long and they do not call you back when you ask them to. 

I am unable to start my payments on the new platform before interest starts occurring. I will soon be charged late fees and additional interest as they continue to ignore my requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was trying to buy a house and I realize i have damage report on my credit according to the 15 U.S.C 1681 that it should be no damage to my report. 
is a defamation to my character. please remove all fraudulent accounts immediate.

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 2023-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
RE : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX av XXXX, Il XXXX Account # XXXX ( XXXX ) XXXX To whom it may concern, XXXX XXXX XXXX XXXXXXXX XXXX, We received a Loan Modification from XXXX XXXX, Making XXXX the Noteholder and XXXX XXXX XXXX XXXX XXXXXXXX, then XXXXXXXX XXXX XXXX XXXX  was closed By the XXXX, and the FDIC was made the Receiver, and XXXX XXXX XXXX XXXX  was the Servicer, then XXXX XXXX XXXX XXXX Parent company of XXXX XXXX XXXX filed Bankruptcy, XXXX XXXX  then sued FDIC as the Receiver XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Bank as the Purchaser, but XXXX XXXX XXXX XXXX Counter sued and after several court cases it was determined that, XXXX XXXX  was the owner over XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX as insurer. ( XXXX Proof of Claim ) XXXX XXXX XXXX XXXX becomes Trustee over XXXX XXXX XXXX XXXXXXXX as part of reorganization cancelled and extinguished all Securitized bonds, After the certificates was written off no one repurchased our note from our Noteholder XXXX. We have been working with XXXX XXXX XXXX, trying to get Lien Release, But, Servicer SPS refuse to remove Lien. 

Thanks XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: MI

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # 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 an 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: MS

Complaint narrative:
I have been repeatedly called from a Company stating I owe them a debt that I have never incurred a debt with. They have called my personal phone, my husbands, my childs, both my parents, and my work! They have sent out texts to all these phones asking of my whereabouts. They are stating I owe them {$1300.00} plus dollars. In which I do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: TX

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.

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 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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 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 2023-09-12 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: GA

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.

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 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have two accounts on my XXXX credit profile for medical bills for {$500.00}. They have the same account number and have been there since XX/XX/2020. I have, over the years, contacted the credit bureaus and United Revenue Corp multiple times asking them to prove that either or both of the bills are mine and what they are for. I have NOT had any reply and they remain on my report. I have asked why there is a duplicate, if they are separate, asked for itemized bills, contracts, or any information verifying the bills. They simply will not respond. I do not believe either bill is mine, but I am positive that there are not two bills with the same amount, date, and account number. I have attached a sampling of the letters sent in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-12 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I received a letter from rent recovery attempting to collect a debt. I requested that the information be verified and was confirm that the debt was valid. Upon further investigation I discovered I was being violated due to incorrect reporting and unfair debt collection practices. I sent the letter from XXXX XXXX back showing violations, along with an affidavit of fact, a letter stating my claim and resolution along with an invoice for the aforementioned violations. The letter I sent has been confirmed as delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning identity theft and the actions ( or lack thereof ) taken by American Express in response to this incident. I kindly request your assistance in resolving this issue as it has had a significant and adverse impact on my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been actively trying to communciate with Aidvantage for more than a month at this point through the following : -- the email address listed in the 'contact us ' on the website -- telephone -- the live chat feature on the website So far, I have gotten only XXXX email response ( I sent XXXX very specific emails asking for followup ), have been hung up on, have been on hold for a combined several hours, and am currently waiting for an agent on the chat function ... it's been XXXX minutes and still no agent to chat with. 

The hours for all these are also so unhelpful for anyone with regular job hours -- I have to take time off work to try and reach someone, and then can not. Even the chat function shuts down every day well before the published hours are over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I received a letter from GC Services stating that they were attempting to collect a debt. I did not have an account with them. I sent them an affidavit swearing under penalty of perjury that I do not give them consent to report a debt. I noted FDCPA violations along with exhibits backing the violations in my claim. There is also an invoice for each violation in the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet sent me a letter on the behalf of XXXX and the department of education letting me know that I qualify for the XXXX XXXX XXXXXXXX discharge of my federal student loans. XXXX discharged means that the remaining balance of my loans will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Bureau Services, Inc.
State: TX

Complaint narrative:
The hospital never provided the bill showing XXXX or XXXX was billed properly. They were asked multiple times for this confirmation and I was never provided with the bill or my co-payment amount.

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