vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
As a cardholder benefit for the Chase Sapphire Preferred credit card, Chase offers car rental insurance which can be used in the case of rental car damages. While renting a vehicle between XX/XX/2023 and XX/XX/2023 which was paid for using the Chase Sapphire Preferred card, the car suffered a flat tire and I had to pay directly for repairs. I called Chase card member services on the date the flat tire occurred, XX/XX/2023, and was informed that a flat tire would be covered by the credit card insurance. 

After submitting a claim through Chase 's claim service provider on XX/XX/2023, I was told I would be contacted within 5 days by a claims examiner ( see attached file ). I was never contacted. Approximately XXXX XXXX later, I checked the claim status on the provider 's website and it was listed as " PAID '' and showed a " check issue date '' of XX/XX/2023. However, I never received any check at my address, and a few weeks later the provider 's website listed my claim as " PEND '' instead of the previous " PAID '' status. 

I reached out through their internal message system on XX/XX/2023 to ask about the claim status, and received an email that the claim examiner " is making a review of this situation in order to proceed with the claim '' ( see attached file ). However, I did not receive any further information and no changes occurred to my claim. 

I reached out again on XX/XX/2023 to inquire about the claim status, and received an email stating " I'm sorry not sure what the hold up is. I will alert the examiner of this payment issue.You should receive an update on your claim from the assigned examiner once the information has been reviewed ''. 

As of today, XX/XX/2023, it has been more than XXXX weeks without any further contact or information about my claim, and no changes to my claim on the online portal. It has now been almost XXXX XXXX since my initial claim submission without any contact from a claims examiner or any issuance of my check. 

The cardholder benefits that Chase advertises, in this case rental car insurance, are clearly not being upheld by the company. While there is a system in place to submit claims, it is clear that the claims are not actually being processed or considered, and so the offer of " insurance '' is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and fraudulent charges and fraudulent charges and refuses to accept responsibility for the illegal unauthorized fraudulent charges and has not sent statements of all the accounts in 2019 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: IN

Complaint narrative:
XXXX is repeatedly reporting a supposed debt inaccurately to my Experian credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX XXXX sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to XXXX statement -XXXX XXXX XXXXXXXX ( 30 Days late ) -XXXX XXXX XXXXXXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that XXXX send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a federal judge in XXXX according to a written letter from XXXX. I am expecting a prompt response with the requested information.

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 2023-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
I was trying to apply for a personal loan found a loan company XXXX XXXX. They sent me documents through docusign and things looked legitimate. Then XXXX XXXX starting asking to go to XXXX and purchase XXXX XXXX. 
On XXXX/XXXX/2033 XXXX {$490.00} XXXX {$460.00} XXXX {$460.00} So I did the purchases. Then next day he asked to get XXXX more for {$500.00} when I went to XXXX to do the purchase I was told I can only purchase XXXX a day. Well XXXX allowed me to purchase XXXX. So thinking something wasnt right I called my bank and they believed it to be a scam. I closed down that account open a new one, but was told by Global Credit Union that I owed them around {$3000.00}. I checked all the cards balances all but one was already at a XXXX balance. I cant transfer monies from the card to the bank so it no use to the back. How can I get my monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 2023-11-05 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: MD

Complaint narrative:
Experian is denying and rejecting me being a Victim of Identity Theft. Along with rejecting and denying all of my official documentations of being a Victim of Identity Theft. Furthermore in supplying the name of the person that committed Identity Theft against me. The re-reporting of XXXX XXXX which violates the FCRA and is Identity Theft. 

Experian is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Experian doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Experian has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Experian has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Experian has denied Section 605B of the FCRA. Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit.

2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria. Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax isnt showing my credit union credit card. Removing that credit card from my report lowered my equifax score by XXXX points. The credit card was removed from their report after XX/XX/XXXX. The XX/XX/XXXX equifax report shows the decline in my score. I reached out to credit card company and they were filing a complaint as well. My XXXX XXXX score shows the credit card and shows the opening of the card XXXX of XXXX. Please rectify this for me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
First with XXXX & now with Aidvantage, over the course of many years, I have been forced into forebearance, have very high repayment amounts, mounting interest applied to my loans, inability to get into a method which allows loan reduction, extreme difficulty even logging into my account, & extreme wait times on the phone, etc. Because I am a nurse, most every person that I talked to previously doesn't believe that I can not afford a XXXX XXXX monthly payment. Because of the way that the public views XXXX, they think that I am rolling in the monetary dough. Nothing could be further from the truth. I started XXXX in California in XXXX, at XXXX XXXX/hr. Even though I have been a XXXX for 40+, I still have to work to survive at XXXX years of age. I get a small pension in addition to SS, & I work to add to that to live. Currently, my rent is XXXX XXXX/month for a 520sq ft apartment in a senior complex. I drive 40miles one way to work because no hospital will even look at my resume at XXXX years old. Because of systemic harassment, gross nepotism & personal harassment that I was subjected to, I left hospital XXXX in XXXX. Getting another job in XXXX was a fat joke at my age. Currently, I have a Per Diem job, working 20-30 hrs weekly. My student loans are so high because I went back to school to become an XXXX since I could not get a raise where I worked due to grossly rampant nepotism. Now, getting a position as an XXXX  is another fat joke. There aren't any really. You have to make your own way & get people to pay for your service. That is another fat joke. Most people only can afford {$20.00} or they only want to pay {$20.00}. I would love to service the poor or veterans with XXXX, but that is even harder to find. Aidvantage has sent me an XXXX, XXXX bill for over {$3000.00}!!!! Do they think that I have a money tree in the back yard???? I don't even have a backyard, I have only a tiny patio. There is no money tree there. You can not get ahold of Aidvantage whatsoever!!!!!! At least with XXXX you could talk to them after waiting forever. XXXX would tell me that I only qualified for forebearance & not an income based repayment plan, nor did I qualify for an loan reduction program. I am an XXXX and a XXXX & I don't qualify for a loan reduction program?????? What kind of craziness is this????? The Federal Student Aid Program is another FAT JOKE!!!!! I can not even log into my account. When I try to reset my user name or password, it just stops working & states there is already an account, but I still can not access it even with my SS # & DOB. Forget Aidvantage-I can not get thru to them thru calling, emails or contact complaints. Now they have sent me a bill for XXXX, XXXX for $ XXXX!!!!!!! Like that amount is totally insane!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I found out this year that I'll get a wage garnishment, I did not know it was for a credit card, i thought it was for my child support. So they took money from my work, then they took money from my bank. They won the judgment to small claims in XXXX county Nebraska and the judgement does not usually go beyond XXXX dollars. They took XXXX dollars total in wage garnishment, then they took money from my bank worth XXXX on my one account then XXXX which total to {$4100.00}. This is not justifiable. I do not know if I owe this money to begin with since I was out of the country when the judgment was made. XXXX XXXX is outrageous and unreasonable and taking more money and will not stop taking.

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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
In XXXX, my loan was in forbearance. When filing my XXXX taxes, IRS took them for loan repayment. When contacted they said I had missed payments. They sold my loan to someone else. Contacted the new company and was out on an idr plan, I had an income of XXXX and still managed to pay the idr they wanted. COVID hit, told to stop paying. Claimed no payments made. Interest went through the roof. Credit score tanked, wrong payments were documented, wrong loan amounts, wrong missed payments, tried to rectify only to have the 1st company remain claiming 365 missed payments on credit report, 2nd company sold loan to my new company and took the good payment history with them, making my already low credit score tank again by XXXX pts along with the only length of time in credit I had due to this mess. I can't get loans, can't rent an apartment, can't get a car, have been turned down for employment and various other disturbing life needed situations. 
XXXX forbearance just disappeared tuned into late payments. Loans were sold to the 2nd company XXXX 2nd loan company never used the idr money sent towards any of the loans Wrongfully reported missed payments to credit bureau during COVID , accrued approx {$10000.00} in interest during COVID, did not report any payments made throughout XXXX. Sold loan to 3rd company after loan had been in good standing for 7 months. 
XXXX loan taken over by new company. Forbearance letter has been received. 
Fought with the credit bureau for years about this, sent letters to credit bureau and loan providers with no major change in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: OK

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 2023-11-05 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: OK

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: MD

Complaint narrative:
TransUnion has ignored, rejected, violated my rights according to the FCRA of me being a Victim of Identity Theft. To ignore my official documentation showing who committed the Identity Theft against me. TransUnion has ignored these Identity Theft accounts of XXXX XXXX and XXXX. 

TransUnion is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By TransUnion doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. TransUnion has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. TransUnion has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. TransUnion has denied Section 605B of the FCRA. Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 

2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on
certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.

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 2023-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Never opened this account my identity was stolen an released I've never had a credit card an they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.

Complaint narrative:
You have all the previous complaints. As said above I asked the bank for reimbursement of money spent contacting them by long distance phone and also compensation for the difficulties it caused me by not having access to {$21000.00} of my funds and having my account closed and having to change my regular pension direct deposits which took a couple of months. 
All of this was the bank 's incompetent handling of my situation caused by them and they did not apologise nor give a reason for denying me reimbursement and compensation. When pressed they said the bank doesn't do that. Surely they should be accountable for their error which caused me great XXXX and difficulty.

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