vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I filed a credit card dispute with Chase on XX/XX/XXXX regarding XXXX XXXX 's refusal to allow us to board a plane from XXXX, XXXX to XXXX XXXX. The airline also refused to refund our ticket value when denied boarding. There was disagreement and conflicting information about whether we needed another visa to enter XXXX. The amount of the charge was {$1000.00}. I went through the dispute process and provided copious amount of documentation defending my case. XXXX responded with documentation of their own. On XX/XX/XXXX I discovered that the charge once again was on my account. I contacted Chase and they asked me to provide our further documentation to further support my case which I did immediately. Soon after the XXXX I received a letter from Chase dated XX/XX/XXXX and ( most importantly ) postmarked XX/XX/XXXX telling me that me that I had until XX/XX/XXXX to respond to XXXX 's allegations. Subsequent calls to Chase about the case informed me that I missed the time to respond and, as a result lost the case. The most recent comment from a Chase supervisor, XXXX XXXX, was " the fact that we sent you notice too late for you to respond doesn't have anything to do with it ''. My argument is not the validity of the dispute with XXXX although I believe the dispute is still valid. My dispute is with Chase and their failure to give me any time to respond to finish the dispute process. As a result of Chase 's failure to adequately inform me in a timely fashion of my further dispute rights I missed a deadline and the case was closed. I am not trying to get the entire {$1000.00} back but the half that I did not use or {$540.00}. Chase acknowledged they sent the notice too late but, at the same time, said it wasn't their fault. I have a large amount of documentation about the dispute itself but my complaint is about Chase making it physically impossible for me to respond per my rights and, most importantly, not taking responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: IL

Complaint narrative:
I got a message from XXXX saying that there was a problem with the website and my information my have been seen on the website. I was XXXX  with XXXX and when I was in the XXXX  someone got access to the account and used money when I was in the hospital. When i got out of the XXXXl .I could not talk clearly. I email key bank and got a letter in the mail saying they got the complaint. I don't receive anymore information from them so I called and was informed there was no complaint so I file another complaint. I didn't get a response so I called again and was told that my account was closed. After that I got XXXX letters from my bank about identity theft and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstCredit, Inc.
State: OH

Complaint narrative:
First credit trying to collect a medical bill from XX/XX/2022 and I havent even been to the doctor on that day, I never even went to hospital that day, I'm not paying for something when I wasnt even at XXXX XXXX main campus XX/XX/XXXX. I havent even seen a doctor that whole month.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MN

Complaint narrative:
We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with Firstmark. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Since XX/XX/2021 I have mulity transactions that have been triple by the amounts and serve conversations and corporate calls to the Financial institution. Apparatus they really do not care. When my credit card was issused a pre paid one, it took over 1 1/2 months to receive. THEN the day I was told by XXXX the Assistant Manger of the bank when I was standing right there in front of her. I heard the whole conversation to the credit card processing company that it would be 5 to 10 bussiness days for me to receive which it was a month and half went by. Then I recied a phone call from that same branch from XXXX the bank Manger that my Credit card was there and I walked in to retrieve it and get it valivaed, and I was handed the envelope open and I was told it was active. My question WHO VALIVATED MY CREDIT CARD??? NO BODY IS ON MY ACCOUNT AND NEVER HAS BEEN. THERE IS MONEY MISSING AND IF YOU ADD UP MY DEPOSITS YOU WILL SEE IT DOES NOT EVEN COME CLOSE TO WHAT THE BALANCE IS??? HOW IS THIS EVEN LEGAL??? PLEASE HELP WITH THIS I AM A AMERICAN CITIZENS IN AMERICA. RIGHT???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON MY ACCOUNT!!!!!

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 monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MN

Complaint narrative:
Binance.US altered their privacy policy to include the ability to crate biometric profiles based on photos you send the company to verify your identity. Many are considering this an unnecessary and predatory collection and manipulation of data. Binance.US sent customers no forewarning of the policy change, and among enactment forced customers to either accept the policy or they can not log into their account. This means customer 's do not have the choice to deny the invasive privacy policy or else they forfeit their account and their funds remain in limbo and can not be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was a victim of identity theft. I became berry sick and family members compromised my information. I reported this information and XXXX XXXX refused to remove information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i would like equifax to remove all XXXX XXXX XXXX XXXX accounts from my credit report. i am including a copy of police report and ftc id theft report. the information on my report from XXXX XXXX XXXX XXXX is wrong and i tried to talk to XXXX XXXX XXXX XXXX about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 
accordance with the Fair Credit Reporting act. XXXX Account # XXXX has violated my rights. accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with XXXX. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX I wired {$15000.00} to TD Bank Account # XXXX, Routing # XXXX, to XXXX XXXX with 2 prior XXXX transactions on XX/XX/XXXX of {$1000.00} and {$2000.00} dollars for deposits on the purchase of the XXXX XXXX truck. The {$15000.00} wire transfer was the final purchase price of {$21000.00} for the purchase of a XXXX XXXX XXXX XXXX # XXXX. The company involved in the fraudulent scam is XXXX XXXX out of XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX. 

Unfortunately the entire sale was a fraud/scam. After reporting it to our XXXX XXXX XXXX  on XX/XX/XXXX a representative of XXXX XXXX XXXX  contacted TD Bank to inform the institution of the scam and request a reverse wire transaction. Our bank representative was told by TD Bank representative that TD Bank could not help reverse the wire transfer and was unable to assist XXXX XXXX resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to Avant Credit. I also, missed paying the recurring amount plus interest from XXXX. 

On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status. 

Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to Avant two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than Avant ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-19/XXXX. 

XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. Avant claims to care for its customers, but currently I'm not experiencing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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 account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 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 items of information, other then 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 2022-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A few months back I had reached out to Capital One concerning my late XXXX XXXX XXXX account. And by way of recorded conversation I was informed that the account is still open. However on XX/XX/XXXX I called out of concern pertaining to my late mothers account. I was then told that the account was closed back in XXXX. And was instructed to send them an email with a reference number. In which I did and to this day theres been absolutely no response or closure to this issue. And Capital One is actually covering up for their errors due to Fraudulent Activities by my sister XXXX XXXX XXXX who had a fraudulent Power Of Attorney Document in which was proven by the courts and an actual Court Appointed Guardian was appointed to my late mothers care due to these fraudulent activities. Sadly Capital One has fallen into Criminal/ Fraudulent activities by deception

Company response to consumer: Closed with explanation