vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I had credit accounts with Accima previously all paid in full. I notice that they keep collecting payments from my checking account so I called to ask why? I was told that it was for anew credit line opened XX/XX/2019. I immediately informed that I did not open a new account with them and that I wanted them to investigate account. I placed a police report and identify theft report, affidavit and submitted everything to Accima and the credit agencies. I have called Accima several times requesting to provide me information and contracts and assistance with investing this account and they have fail to resolve this problem. Not only did they collected payment from my bank account and did not investigate the account when Informed that this account fraudulent they have also fail to remove it from my credit report. I have rights as a consumer and they are violating all the FCRA codes. Please assist me with resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm filing this report because I have been an identity theft victim. Earlier this year, I discovered that I'd been an identity theft victim after I requested a credit check to be conducted because I was interested in home purchases and wanted to know if I would qualify for a mortgage loan. Unfortunately, my realtor told me the terrible news that several accounts on my credit report are either delinquent, late, charge-offs, or collections. Therefore, I requested that he re-run a credit check to ensure he has the correct file or if he made an error because I know I do not have credit card accounts or any outstanding loans. After my realtor re-runs the credit check, he shows me the credit report and several accounts the credit bureaus are reporting on my credit report. Therefore, I assessed the damages for the first time, which was approximately {$71000.00}. 
Consequently, I filed a police report with my nearest police station, the XXXX XXXX XXXX. However, after filing for the police report, I re-assessed all the damages, which was over {$170000.00}. I discovered that there were more accounts than I anticipated. I informed the police detective working on my case and asked her to add all of them together on her report after I discovered the other accounts, which she did, and it is added to my police report. So far, I have found 11 accounts fraudulently opened using my personal information, such as my social security number, name, date of birth, etc. The reason I'm filing this report is that some banks are refusing to investigate, refusing to initiate sending the requested documents so I can share them with the police, and are refusing to remove the fraudulent accounts from my credit report and are refusing to remove my information from their banking records. Some banks continuously reflect these fraudulent accounts under my name, and I never conducted any business or transactions with them. This is unlawful, and I do not want my credit report tarnished because of their inadequacies. These accounts do not belong to me, and I do not want fraudulent accounts to report on 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed an account in XXXX XXXX  in XX/XX/XXXX and deposited the teller 's check to a new checking account in Capital One. On XX/XX/XXXX, one year after the deposit, Capital One withdrew the money and will not give me access to the funds. They said that ever since the money was deposited, a year ago, they have been trying to reach me for some clarification. I have not received any phone calls from them and the first time that I noticed the problem was when my funds for {$11000.00}, were withdrawn. They claim that they have returned the money to XXXXXXXX XXXX  I closed the account with XXXXXXXX XXXX  when I opened the Capital One account. So I asked Capital One to give me information on how they returned the money ( tracking number, date, copy of transfer, etc. ) so that I can approach XXXX ... Capital One has refused to give me any further information and has left me fending for myself. They have made the whole issue like a fraudulent transaction and are not taking any responsibility. I have gone there along with my husband, with a notarized document showing details of my identity and my husband 's identity and source of funds, but they are very hands-off. At this point, the $ XXXX  plus is not accessible to me and Capital One has not helped and in fact has been very abusive. I have a list of their employees that I have been dealing with for the last 8 days. The whole file is apparently with the fraud department, which does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2023, while in the process of booking a flight through XXXX XXXX, I was presented with an enticing offer to apply for a Citi AAdvantage credit card. The advertisement was clear : apply for the card, and upon approval, use it to complete my ongoing flight booking to receive {$250.00} in statement credits and XXXX miles after spending {$2000.00} in the first 3 months. On the application form, it stated : " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately '' Trusting these explicit terms, I paused my flight booking to apply and was subsequently approved for the card. However, the company 's system failed to RELIABLY provide me with the promised account number. Citi responded saying that it was my fault because I walked away from the computer, but THEY DID NOT ADVERTISE THE TEMPORARY NATURE OF THE PROMOTION IN THEIR TERMS. When I sought a resolution from Citi 's customer service, they refused to regenerate or retrieve the number, stating it was a one-time display. I also requested this policy in writing for further clarification. This key limitation was neither disclosed in the promotion nor covered in the terms and conditions. Because of the company 's failure to deliver on their promise and their unwillingness to rectify the situation, I have missed out on the benefits of the promotion and incurred an unnecessary credit inquiry that has negatively affected my credit score, as well as a lot of time trying to resolve this situation.

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 2023-09-22 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: GA

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a compliant for Early Warning Services for reporting information without my written permission and that I wanted to appeal what XXXX  XXXX XXXX had placed an reported on my Early Warning Consumer report stating That my account was closed do to " suspected fraud '' which has put my life and quality of life under complete distress, because I can not open any bank accounts because of this I have also previously filed a compliant with XXXX  XXXX XXXX asking them to validate this accusation of " suspected fraud '', and their response was that I did not follow the " overdraft policy '' Which during the time I was getting a direct deposit bi weekly of {$2500.00}, on a Monday of a week I was getting a direct deposit I paid a bill which overdraft my account of about XXXX which that Friday they took along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected Fraud. How is it Fraud to use Overdraft protection that I signed up for and was paying for. 

I have never been accused of anything like this with any other banking institutions, and I explained all of this to Early Warning Services, The first Early Warning Agent I spoke with after I filed the compliant on XX/XX/XXXX stated that I had 5 accounts with XXXX  XXXX XXXX, thinking someone was using my information I filed an FTC report and sent it to them so they blocked the information but after speaking with a different Early Warning agent, they stated that I did'nt have 5 accounts open, but 5 disputes. I was beyond livid with this miscommunication because I never stated the account wasn't mines I just wanted to dispute the validity of the information and challenge there reporting for not having my written permission to report anything on their consumer reporting site. The information remains holding me back from opening any accounts, I am weary of having to go through all of this when i know and XXXX  XXXX XXXX knows I did not commit fraud on my account someone needs to hold them responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In the attachment is a copy of a check written to my employee on XX/XX/2023 and cashed by him on the same day but as you can see it did not post to my account until XX/XX/2023 can you please contact all parties involved XXXX XXXX XXXX and Chase Bank to find out what happened and tell me is this legal to wait this long to post a check? XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my company name and my Chase Business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was appointed guardian for a Chase Bank customer on XX/XX/XXXX and have been trying to access funds since that date. Chase Bank did not process my request in a timely manner and my temporary Letters of Guardian expired. When updated Letters were issued by the Court, I again attempted several times to access funds through bank appointments and repeated phone calls. I was told I would receive calls to let me know when I could close the account and never received any calls. Chase Bank assured me that I would be able to close the account, which has been vulnerable to exploitation prior to my appointment. My ward 's nursing home is now THREATENING EVICTION due to nonpayment. I have attempted to explain the urgency of the situation to Chase Bank and have had no response or assistance. When I requested to speak with the branch manager, XXXX XXXX, I was told he was in a meeting. I was not offered a call back from the manager. 
A banking appointment was granted by Chase Bank for today, XX/XX/, but was cancelled this morning without explanation. My Letters of Guardian are set to expire again on Monday, XX/XX/. I will have to wait another week for the Court to issue updated Letters and then another week for Chase Bank to set an appointment, then attempt the whole process for the third time. I was told that there was only one person who could assist me and they were on vacation. No other options for assistance was offered. 
I have now been attempting to access funds for THREE MONTHS. I have been ordered by the Court to act as Guardian and Chase Bank is withholding necessary funds to pay for my ward 's living expenses. I am unable to purchase clothing, toiletries or other comfort items for my ward  and she should not have to wait this long. Chase Bank should help it's most vulnerable customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Contacted NelNet via email at XXXX on XXXXXXXX  and received automatic reply stating " Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question ''. I am unable to create an online account and was instructed via their website https : //nelnet.com/welcome to do the following " We do not have a current, valid email address or phone number on file for you to send the authentication code to. Please call us at XXXX to gain access to your account. View our hours at Nelnet.com/contact. '' I called NelNet at XXXX on XXXXXXXX  and waited on hold for 1 hour and 31 minutes ( XXXX to XXXX my time HST ). I was continued on hold even though their business hours on Fridays are XXXX to XXXX EST. I hung up since their offices were closed. I never spoke to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : Cap One NA Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: VA

Complaint narrative:
On XX/XX/22 I received call from my XXXX XXXX XXXX daughter who stated that she had gotten some type of collection call from a company called AA Recovery. Once she forwarded me the message I called AA recovery in reference to the account that I thought was closed. I worked out payment arrangements and then later that afternoon my mother in law called and stated that XXXX had called her as well trying to reach me. I am filing this complaint as I feel my privacy was violated. Not only did he not have my permission to speak with my minor child he should have never given any information indicating the nature of the call. Again this complaint is against AA Recovery and his contact number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

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 2023-09-22 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: CA

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX  act

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 2023-09-22 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: AL

Complaint narrative:
Experian is reporting a Post Office location as a Multi-Family housing.

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 2023-09-22 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: LA

Complaint narrative:
I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed Transunion inquiries Inquiry details 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 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