vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase refused to close my empty checking account and delete my personal data. I submitted two requests via secure message while logged into my account to accomplish these two tasks. Chase is demanding that I appear in person at a branch. I am asking you to instruct Chase to close my account and delete my personal data without any further action on my part. 

The reasons why it should be unnecessary to go to a branch to accomplish these two requests is because ( 1 ) I submitted the requests via Chase 's secure message system from which I am logged into my account, confirming my identity, ( 2 ) visiting a branch in person is arduous, and ( 3 ) I have previously been unable to accomplish a basic account update in person at a branch ( which was my reason for submitting the requests electronically ).

Regarding # 3 above : I visited the branch where I opened the account twice after the account was opened ( two months ago ) to resolve a problem with the account title. Both times I delivered proper paperwork to effect the change ( a certification of trust ), once on another bank 's form and once on Chase 's form. After receiving my next statement and realizing the branch never made the change, I reached out to Chase through secure message to have the change made, but was instructed to go to a branch. Having already been there twice with no resolution and unable to accomplish it electronically, I transferred the assets out of my account ( through Chase 's website ) and requested that the account be closed and my data deleted ( also through Chase 's website ). 

Visiting a branch is arduous and, as I learned trying to correct the account title, ineffective. Further, I have not been given any explanation why my physical body must be present in a branch to accomplish my requests. In the present electronic age I assume Chase would permit me to open an account via secure website connection. It should permit me to close an account that way too. 

The reason for me involving your agency is because I believe Chase is putting its minor business interests above the major impact its actions have on consumers. Chase could be motivated to keep my empty, " zombie '' account open for as long as possible to charge me a maintenance fee and/or retain my personal data for marketing purposes. But an open account affects my credit score, and retaining my personal data unnecessarily makes it available to hackers. ( The business and the consumer should be allied about the risk of data hacking in this instance, since failing to comply with my request to delete my data makes Chase liable for a future theft of my data from them. ) Please instruct Chase to comply with my repeated requests to close my account and delete my data. Thank you for your consideration. 

Attachment : Secure message exchanges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the author of this complaint. I checked my credit report and saw that XXXX XXXX was reporting incomplete and incorrect info on my credit report. I disputed that accuracy and completeness of the account with the CRAs and after the reinvestigation results, the account was still reporting inaccurately and in a way that violates the FAIR CREDIT REPORTING ACT. 15 USC 1681s-2b states that if the error is not corrected after disputing with the CRAs then the creditor has to DELETE the tradeline from my consumer 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 2023-10-27 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A charge for {$36.00} from XXXX XXXX showed up on my CapitalOne credit card. I called to dispute it and was told to upload a copy of my Drivers License, both front and back, so they can verify it's me. All of this happened on XX/XX/23. I asked that there has to be a better way to verify my identity other than providing such a personal item as my Driver license information. It's bad enough that someone used my card number while the card sits in my wallet but to require I further compromise my Identity with the company that allowed it to happen by giving them copy of the license is ridiculous. I asked to speak with the supervisor who also insisted on my drivers license info. Then I requested they cancel the card but was informed I'd be losing my reward miles I've accumulated if I did so. So today I've used my miles that have accumulated to pay down some of my bill but an addition +/_ {$7000.00} will post and be paid for by me by the due dates. I would have rater spent the rewards on traveling. I am writing this to complain about the requirement to upload the drivers licence info they feel is necessary to verify me. Please forward this complaint to the company so they change that policy. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Cell # ( XXXX ) XXXX Capital One Credit card # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
Hello, Please completely remove me as authorized user from the XXXX XXXX XXXXXXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

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 2023-10-27 00:00:00
Product: Credit 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: TX

Complaint narrative:
XX/XX/2023, with my Citi Card - Master Card, I inadvertently started a transaction for {$710.00} to book a hotel with a company, " Get A room '', also known as " XXXX XXXX ''. I thought i was on a hotel website but they are an intermediary. 

They charge $ XXXX " convenience fee '' to book a hotel room. it is easily overlooked because many municipalities have various fees and taxes. Additionally, they do not allow any cancellations, whatsoever, without a 50 % penalty. this is highly unusual - no hotels have this kind of policy. 

Before completing the transaction- i realized it was a rip off. I never entered the XXXX XXXX " pin code '' sent to my mobile device. In other words, I never completed the transaction. 

i have not been able to reach resolution. I find Citi Bank Credit Cards at fault because they should not facilitate business with this merchant. and they sided with the merchant in my dispute.

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 2023-10-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-27 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: OH

Complaint narrative:
I have forwarded this information over to experian XXXX and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXXXXXX  from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXX self lender wants this removed from my credit report and these companies are giving me a hard time removing them!!

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 2023-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had attempts to open a credit card for numerous banks and retailers from XX/XX/XXXX to the XXXX of XX/XX/2023. The companies are Capital One, XXXX which is a bank, XXXX XXXX, XXXX Bank and XXXX XXXX I never reached out to any of these companies nor banks about opening an account or any type of service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: American Enterprises International, Inc.
State: IN

Complaint narrative:
In accordance with the FCRA Fair Credit Reporting Act, this creditor has violated my rights under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written consent or instructions. Under 15USC166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/ I contacted XXXX XXXX XXXX about a FEW accounts that Are reporting negative on my credit profile. I asked the company rep to help me understand the Credit extension that I obtained from them and what services that was performed by them for me. I don't recognize or remember having a contract with them. I also informed them that my rights per Fair Credit Reporting Act was being violated and hurting my credit rating. I also asked them to remove these reporting accounts from my credit profile.Also to VALIDATE THE DEBT Per.15 U.S.C 1681 Method of Verification Law. I also asked the company to provide the copy of my original invoice or receipt with my signature. I also requested a Itemized bill with every single charge from the original contract.I also notified them about that if the following accounts : 1. XXXX XXXX XXXX Account number # XXXX Balance {$970.00} opened on XXXX 2. XXXX XXXX XXXX Account Number # XXXX XXXX XXXX opened on XXXX 3. XXXX XXXX XXXX Account Number # XXXX Balance XXXX wasn't removed I would Report it here to the Cfpb and also state that these reporting accounts also wasnt following metro 2 compliance.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit was supposed to be frozen and no one should be able to access my credit report without my consent. But on XXXX XXXX XXXX they allowed ( XXXX XXXX  ) to pull my report and for what reason I do not know. On XX/XX/XXXX and XXXX they allowed ( XXXX XXXX ) to pull report also without my request. Then they allowed XXXX XXXXXXXXXXXX XXXX  to pull my report on XX/XX/XXXX and a credit union by the name of XXXX to access my credit that allowed me to end up with 9 inquiries I have sent in countless letters but they will not remove the inquiries even though its their fault.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or around XXXX XX/XX/XXXX - I opened the Wells Fargo Everyday checking account with a promotion. Promotion stated that 1 ) Open an account with {$25.00} or more by XXXX XX/XX/XXXX XXXX ) Within 90 days has a direct deposit of {$1000.00} or more. 
Once these condition are met then {$300.00} will be deposited after 30 days period ( once 90 days period is over ) Called Wells Fargo one month to check on this cash back. I was told that 30 days period is not over. I called again today at around XXXX XXXX  central time and talked to XXXX. She put me on a long hold then asked me I am ineligible as I got cash back during XX/XX/XXXX. I said that is more than 12 months back and as per the terms and conditions I should get {$300.00} cash back promotion. 
She said she can't tell me everything on the phone and asked me to visit the branch. I can figure out from body language and tone that XXXX is not willing to do any further home work and sending me from post to pillar.

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 2023-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The account in question was open fraudulently with my information unknowingly to me, they refuse to remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 

XXXX XXXX XXXX  on my 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 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
I have only recently discovered that a debt collection agency has submitted a report against me. I have NEVER received anything in the mail from IQ DATA INT'L INC XXXX 
Approximately 6 months after I moved out of my apartment, I received a letter from a different agency. I called this agency and not only did this agency determine that I did not owe XXXX XXXX any money, but they owed me approximately {$200.00} left over from my deposit. The gentlemen I spoke with assured me that this would be corrected and the collection would be canceled. 
Approximately 6 months later, a different collection agency which I presume was IQ Data ( I do not recall the name ) called me and once again stated that I owed XXXX XXXX money. I explained that I had already addressed this issue with a different company and would not be making any payment to them. They continued to call and harass me, and I continued to tell them that I would not be making any payments to them. I also asked them to send me the bill if I supposedly owed them money which they never did. 

To this day, I have still not received any documentation from IQ Data. Please assist in anyway that you can. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I fell behind in my FHA mortgage on or around XXXX of XXXX  due to an injury that kept me out of work temporarily. I am planning to return to work shortly but in the interim, I requested a forbearance from my mortgage company, Freedom Mortgage. During the summer of XXXX, I requested to be reviewed for a forbearance. I filled out a loss mitigation packet and my housing counselor submitted it to Freedom Mortgage. On XX/XX/XXXX and again on XX/XX/XXXX, I was informed that I would not be reviewed for any loss mitigation, including a forbearance, due to a gas lien on the property in the amount of {$750.00}. I was not aware of the gas lien and am taking steps to resolve the lien. However, such a lien should not have been an obstacle to my being reviewed for a forbearance.

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 2023-10-27 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan, as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
A five day hard hold was placed on a {$65000.00} ACH transfer from another XXXX XXXX. The transfer was initiated on XX/XX/2023. CIT Bank received the funds on XX/XX/2023. The hold is in effect until XX/XX/2023. I contacted CIT Bank on XX/XX/2023 and informed them that Regulation CC states funds from ACH transfers must be available no later than two business days. They stated their policy says five days.

Company response to consumer: Closed with explanation