vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was in the XXXX  and some how my things were stolen from the locker that I had placed my things in. This locker had my wallet, phone and coat in it. When I came back everything was gone. When I got news that my things were missing, I called the bank and filed the dispute and waited and they said they found no error. They denied me getting my money back. No information was asked to be sent or anything. This is fraud on the bank because I should be protected by the FDIC. Why am I being denied my money when I did not make those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had applied for the CAPITAL ONE QUICK SILVER credit card since they were and still are Offering Cash Bonus. Spend {$500.00} within 3 Month and you will receive {$200.00} one time money back. I was accepted back in Dec last year and REFERRED my XXXX  as well as there was a REFFERAL Bonus as well as the cash back bonus. 

I have spent {$500.00} as mention on Capital one credit and never received any bonus. My wife however spent {$500.00} and received {$200.00} immediately. So I was wondering what had happened. So I called Capital One and told me I am not qualified for the offer that I had initially buy into. 

So the referral was sent from my Capital One app Quick Silver Card. The process was very simple, Just send the link and if the recipient is accepted you shall both be rewarded. 
I was told I would be getting my bonus within 2 bill cycles when I initially called capital one.

Month later I was told no you are not entitled. After reading all inclusion and exclusion there was nothing to suggest otherwise I was within the rules.

I would like the Bonus scheme to be honored as agreed on Capital one Quick Silver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from Radius Global Solutions LLC stating that I owe XXXX XXXX $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency Radius Global.

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 2023-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed an account that is being reported on my Equifax credit report and I have not been given the evidence of how this account was verified. I have disputed this account on at least XXXX occassions and its continually verified without providing me with any info on how this was verified. This account continues to affect my family and causes us XXXX and XXXX  because we are unable to be approved for products offered by institutions. This incorrect account should be removed immediately or provide me with how this account was verified. I have challenged this account with other bureaus and it has been removed from thier reports. Equifax continues to use bad business practices and their XXXX XXXX  are well documented but the CFPB has allowed them continue damaging the consumers. The date of last payment is reporting incorrectly and date of XXXX deliquency is incorrect. Please update this information or provide detailed explanation that clarifies why this continues to show on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed some suspicious accounts on my credit report that came back as verified by the credit bureau. I then asked for the method of verification [ ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] which was received by the company and i never received the requested Documents which is a violation of my rights [ FCRA 611 ( a ) ( 7 ) ] pursuant to federal law these deceitful inaccurate accounts must be deleted for the violation of my federally protected consumer rights. accounts # XXXX, XXXX, XXXX, XXXX. these accounts are in violation of my rights and must be permanently deleted immediately.

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 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am writing this letter to express my deep dissatisfaction and frustration regarding the recent threats of repossession of my car from GM Financial company. My name is XXXX XXXX, and my husband and I have been clients since 2017. Recently, we have experienced a series of devastating losses : both my mother and his father passed away. In light of this tragedy, it is incomprehensible that they do not show even an ounce of empathy or compassion towards us. 

We are aware that our payments are behind schedule ; however, with my husband taking care of most bills, it has become increasingly difficult to catch up on our car payments. Furthermore, the thought of someone coming into our private property to repossess the vehicle is absolutely outrageous and illegal in many states across the nation and I believe New York its one of them, correct me if Im wrong.

We would like that, if possible, stop calling us multiple times a day and sending us threatening emails related to repossession. We have decided that we will only respond to written correspondence from you due to the constant phone calls demanding payments at our workplaces which makes us feel deeply uncomfortable, the constant calls and letters are not helping the situation. We understand that this is a difficult situation for both of us.

We understand our responsibilities as clients and were not denying it, but we also know what rights we are entitled to as well, and know thats why we are here to contact the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Liberty Career Finance, LLC
State: TX

Complaint narrative:
I applied for a job with XXXX XXXX  XXXX  XXXX i was told by the instructor that i failed the training and was dropped from the program later i get constant threatening phone calls threatening to put it on my credit report that i owe XXXX XXXX dollars for sub par truck driving training on trucks that are not legal to drive on road bad brakes bad tires not safe i never signed any of the debt collections documents or liberty career finance complete forgery lies of employment offer free cdl on the job training complete bait and switch scam and they will not stop calling at all hours threatening legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My husband, co-owner of the Bank of America account is a federal employee and back in XXXX the XXXX was hacked and our personal info was stolen. In XXXX they filed fake tax returns and so began our IRS issues. Finally we received our XXXX taxes, plus interest because IRS made so many mistakes and misplaced this tax years forms we filed. I deposited the check from IRS/Treasury last night through ATM at approximately XXXX. The check amount is for {$12000.00}, which we suffered and waited almost 5 years for and although the treasury pays out into our bank immediately Bank of America is holding the funds until XX/XX/XXXX, which is ridiculous when we both know they already received the funds into BOA, they are just holding it to make interest and you guys know it. This is wrong!! if its fraud, they would not have received the funds already and they have so they just sit on it for XXXX days and make the interest. This is an illegal tactic by the banks to try to compensate for not charging on overdrafts because theyve lost so much money on not charging for overdrafts. They try to tell me its some kind of protection against fraud well back in XXXX I contacted Bank of America to tell them to make sure that every time someone called in about our checking account that they were supposed to ask them to say the secret phrase that I requested for our protection and BOA stopped asking me about the secret phrase XXXX years ago. When I asked them today, why are you not asking me the secret phrase? no one knew what I was talking about but then they found it so you cant say youre trying to protect me and protect them from fraud but yet youre not doing it!? I find this behavior and tactics by this bank unacceptable. I am going to contact my local senators. Also, we waited a long time for that money and we deserve it. Ive been through XXXX because of the federal government having a unprotected personnel files of all federal employees! I can understand a XXXX  day hold but I watched an individual in the bank deposit well over {$20000.00} in there was no hold for several days that money per the BOA teller told them the funds would be available tomorrow!

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check issued from our insurance company a couple months back when and didn't know I had to get an endorsement. We acknowledge she is at fault for that, but this whole situation is being overly complicated by XXXX in the first place. 
XXXX comes, our car is repaired, and we prepare all the necessary documents XXXX needs to resolve this dispute. Last week, we were finally able to collect all of them and send them over, just to find out despite sending all the documentation they require, they still don't want to authorize payment. Now, our insurance company won't reissue a copy of the check because the check is cleared and suspended, our bank won't release the funds because they are protecting themselves from legal liability, and XXXX won't authorize the check, because they are being stubborn I guess. We haven't had this car in months, haven't defaulted on payments, haven't defaulted on our contract, and since this vehicle is leased, I imagine it's in their best interest to also have this vehicle repaired. 
I've done everything in my power to rectify this situation, but the only thing I can do from here on out is take legal action. We've wasted days, talked to multiple reps, gotten our bank and insurance company to talk to these people, been given ample misinformation, and nothing has been resolved about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2023 I use the pay anyone feature in my Chime app to send {$720.00} to my sons mobile number but to my dismay when I entered my sons mobile number nothing showed it was just his number and it said to confirm pay so when I hit confirm pay the payment was sent and then thats when a name pops up a name of a person that I do not know it was the name to the person that still had their chime account linked to the phone number that I was just issued on XX/XX/XXXX I sent chime the documentation that they asked me for which I then reached out to the recipient requested the money back and they didnt reply back I also sent them a receipt of when the number was issued so that they could see that I didnt know the person that was still connected to my sons account iContacted chime immediately they did nothing about it I told chime that I could verify the phone number they sent the money to wrong recipient it went to the account not the number. put that they sent the money to because the recipient was the wrong person yet they did nothing about it they tried to contact the person on the other end but they couldnt get in contact with her because she didnt have the phone number any longer the number was just issued to my son which is XXXX and wasnt old enough for a Chime account Chime refused to give me provisional credit why why they investigate the matter which they said it will be thoroughly investigated by XX/XX/XXXX but this was just XX/XX/XXXX I feel that the recipient should be at fault as well because she saw that I requested the money back a million times its unfair and is just not right chime denied the dispute immediately without even thoroughly investigating because if they sit down and looked at the facts then it wouldnt be an issue or error on me yeah I also sent chime to where you know every time the recipient try to make a a purchase or a transaction it will come to my phone number and she was trying to spend my money on {$100.00} on TikTok or you know Im saying I was blocking the transactions because I still had the number but I didnt have access to her chime account and I show chime all of this a team member even checked and saw that them that I entered a mobile number not a member chime member into my app and saw that the money went Straight into the account I didnt pay through my checking account I paid why enter my sons mobile number that I was 100 % sure belong to him

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES XXXX- {$270.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$140.00}. 
XXXX XXXX XXXX XXXX  XXXX {$80.00}. 
XXXX XXXX XXXX XXXX  XXXX {$100.00}. 
XXXX XXXX XXXX- {$77.00}. 
XXXX XXXX XXXX XXXX XXXX  {$71.00}. 
XXXX XXXX XXXX {$70.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH INVESTMENT RETRIEVERS IN, FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]

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 2023-03-08 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: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH INVESTMENT RETRIEVERS IN, FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have advised Equifax numerous of times that this XXXX account reporting on my credit is not mines. They have not sent me their investigation that provided that this is my account. This account was opened fraudulently under my name without my consent. I have made XXXX aware as well. I have sent a police report and identity theft report and Equifax is the only one that still has this account on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NJ

Complaint narrative:
Equifax is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent Equifax written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. Also, I have sent a copy from the small claims court in XXXX  that the account does not belong to me. 
My rights under 15 U.S.C. 1681b. This law prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Company response to consumer: Closed with explanation