vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit 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: NC

Complaint narrative:
Capital One is currently advertising promotional deals for credit cards including bonus sign on points. After activating my card and earning the points, I'm unable to use them and transfer to travel partner since it is down for maintenance. This has been down for maintenance for at least 6 days XXXX XXXX XXXX XXXX XXXX No one at capital one knows when this is coming back. They are adversing a rewards program that can't be accessed - locking consumers into an annual fee with rewards that are not available in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A check I sent to a client was stolen in the mail and cashed fraudulently. I submitted all of the required documentation for the claim that Chase asked me for. The representative on the phone assured me they " had everything they needed and I would hear back in 30-60 days '' I received no correspondence from Chase over the next 60 days. I called them after about 55 days and they told me that they now wanted me to resubmit the documentation because a section on their form that asked for a signature from " maker or payee '' required the payee and not the maker. They told me they had not started their investigation because the request was incomplete even though they assured me they had everything they needed 55 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: IL

Complaint narrative:
I mailed letters to XXXX, XXXX, and Transunion about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over 30 days for the required response time. It is actually almost 60 days and there has been no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: IL

Complaint narrative:
I mailed letters to XXXX, Equifax, and XXXX about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over 30 days for the required response time. It is actually almost 60 days and there has been no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On or about XX/XX/, I received my business checking account statement from Chase Bank. The statement indicated that four online purchases had been made from XXXX, on XX/XX/XXXX, XXXX, XXXX and XXXXXXXX XXXX using my business debit card. I have never made any purchases from XXXX using the card, did not make the four charges in question, did not authorize anyone to make the purchases, did not derive any benefit from the purchases, and always had the card in my personal possession. I immediately notified my bank of these unauthorized chargers and was issued four credits on XX/XX/XXXX XXXX XXXX 

On XX/XX/XXXX and XXXX, two of the charges which had been removed from my account were reversed back. Despite my numerous disputes and requests for verification, Chase refused to provide information for the charges and continued to claim that XXXX had verified that the charges were authorized and valid, and that the products had been delivered. XXXX refused to discuss the matters with me, directing me back to my bank. 

Finally, on XX/XX/XXXX XXXX XXXX I received the transaction invoices from Chase for the two disputed charges, which showed that Chase had authorized the charges to my account and was continuing to claim the charges were valid, despite the invoices showing the following : The charge on XX/XX/, for {$38.00}, was made by XXXX XXXX, billing address XXXX XXXX XXXX XXXX, XXXX, IL, email XXXX and shipped to XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, SC. 

The charge on XX/XX/XXXX XXXX for {$110.00}, was made by XXXX XXXX / XXXX XXXX, billing and shipping address XXXX XXXX XXXX, XXXX XXXX, MA, email XXXX. 

I have never heard of any of these people. The billing address for all my business and personal accounts, and my sole business and residential addresses at the time, and for the previous 4 decades, were in XXXX and XXXX, Texas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was the victim of identity theft and to the best of my knowledge credit cards were opened in a variation of my name and checks were fraudently made in my name draining my account. I reported this to the local sheriffs office and called in to the credit card companies and asked the accounts be canceled as they are not mine and I do not want anything to do with them as they are based off of fraud. Years later. Debt collection companies purchased my information and are attempting to collect debt that is based off of fraud. One company is XXXX XXXX and the other is Midland Credit Management. Both junk debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed online disputes with Equifax 5 times for the same incorrect collection account.The debt is from a debt collector by the name of XXXX XXXX, a man claiming to be an attorney in AL, though I cant find any evidence of him on the State of XXXX XXXX XXXX page. He has no license. 
I sent a certified letter to XXXX XXXX XXXX XXXX how the charge in incorrect. The signature for the certified letter was returned without the required signature. Im assuming he refused to sign. There are literally hundreds of complaints on this man in the XXXX XXXX XXXX. He is unprofessional and I cant get a hold of him to address the error. 
I have filed the dispute with Equifax multiple times, each time with more documentation. Incuded was a bill which proves they gave me a credit for equipment return and then added the charges back. I then found the return receipt from XX/XX/XXXX from XXXX from when I returned the equipment at their storefront. The credit reporting company Equifax still refuse to remove it. Equifax needs to erase this inaccuracy from my credit report. Ive called the Equifax consumer line at XXXX however it s a recording that is stuck on a loop. The times I've called in before, they've given different stories such as account number was redacted so I sent updated copy, anothe rite they said no documents were attached so I resubmitted. The story changes every time I speak with them. 

These are the dates and file numbers of my multiple dispute attempts. 

XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XXXX of XXXX I suffered a severe XXXX. Once out of the hospital I went into extensive rehab and eventually moved to an assisted living facility. I had been a XXXX  XXXX but had to give it up and close my business. My daughters had to sell my house and pay off all debts. Since I no longer was doing work I didnt need my business accounts including my Lowes account. And since I had moved several times wasnt receiving my statements which were at a XXXX balance any way. The Lowes account was furthest from my mind. 
In XXXX of XXXX I received a notice from Synchrony Bank that my account was overdue for a total of {$2300.00}. I requested statements that covered the charges made. They were online charges for tools and supplies that were sent to out of town addresses. I did not make these charges and filed a fraud report in XX/XX/XXXX. In XX/XX/XXXX I received a letter that they had approved my fraud claim and received statements from Lowes to that affect. 
However, early this month ( XXXX ) I received a statement from Lowes for {$1800.00}. When I called about it I was told that it was deemed that I was responsible for those charges anyway. When asked how they determined that, I got no further explanation, in fact they were very rude and indicated that there was no one else I could talk to about this. Since then I have made two minimum payments to protect my credit. 
I did not make or authorize these charges! I do not owe them. They are not mine or my responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have been receiving letters from Jefferson Capital Systems LLC on behalf of XXXX XXXX to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
transworld systems has placed a collection in my credit report that isn't valid. I do not owe this debt nor have I ever paid anything towards this debt. The debt they are collecting for was for a disputed account with XXXX from 2017. This debt is fully past any statute of limitations and this company acknowledges it but still has impugned my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt & Henriques LLP is suing me in XXXX XXXX XXXX California for {$3600.00} on behalf of XXXX XXXX Without producing a copy of intial credit card application and any account number related to that account. On XX/XX/2023 I sent a certified letter with tracking number # XXXX to Hunt & Henriques LLP demanding a copy of that initial credit card application with my signature and an account number related to that account, and they have started to play cat and mouse game and not responding to our lette

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need this thing that is not mine to be eliminated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX TransUnion Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Dear Sir/Madam, I am writing to request a 1099-C form and to update the status of the charged-off account associated with the following information : Creditor 's Name : XXXX XXXX XXXX  XXXX Account Number : XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 
I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 
In addition to the above request, I am also writing to inform you that this account is still reporting as open on my TransUnion credit report, with a credit usage of 285 %. I have attached a copy of my TransUnion credit report for your reference. 
I understand that the account has been charged off, and I am no longer able to use it. However, the fact that it is still reporting as open with a high credit usage is damaging my credit score. 
I am requesting that you please update the status of this account on my credit report to reflect that it has been charged off. This will help to improve my credit score and make it easier for me to qualify for loans and other forms of credit in the future. 
Thank you for your time and attention to this matter. I look forward to receiving the 1099-C form and to having the status of this account updated on my credit report. 
Sincerely, XXXX XXXX Attachment : TransUnion Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXX XXXX  out of the account on XX/XX/XXXX. I have 81 emails with chime trying to resolve this issue since XXXX. Chime responds back with a generic email stating the information has been updated even though it hasn't. In one of the emails chime admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and XXXX, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that Chime has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXXXXXX XXXX I owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX I called chime and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX from XXXX, my account had a XXXX balance. my credit XXXX XXXX XXXX  was never a negative balance, you add money and you spend the money you add. Please scroll down to page 4. I reported chime to the XXXX Chime stated to the XXXX upon closure XXXXXXXX XXXX was debited and posted to my account. Chime. I attached the statement of that, chime is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The XXXX of XXXX XXXX charged me {$90000.00} through my American Express card instead of a beach entrance fee on XX/XX/2023. It has been a nightmare trying to get this resolved with Amex, I opened a case with them on XX/XX/2023. This charge is still sitting on my account and accruing interest ( charge on XX/XX/2023 ). This is not standard business practice from disputes I've done in the past, I have always had the charge and interest held. I have gotten no answers on when this will be resolved, how interest is being accrued and I am worried this will impact my credit score. I was able to get through to the CFO of XXXX XXXX, who noted that Amex contacted her in the middle of XXXX and she had said then that the charge is false. This exchange was not documented by Amex. She has also e-mailed me a letter for proof. I am attaching XXXX documents highlighting my case : XXXX Amex charge file : This is noting the entire timeline of what has happened and the amount of times I have contacted American Express for a resolution. I have spent XXXX hrs on the phone with multiple agents and have gotten no ETA or clarity on how this is being handled as well as important details such as if interest will be charged. Even after updating Amex that I have contacted the merchant and have written proof this charge is false, there has been no movement on my case. 

Letter from XXXX XXXX file : CFO of XXXX XXXX has written that this charge is false and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone is fraudulently using my information in an attempt to open lines of credit. 

On XX/XX/23, I was alerted by Experian that a hard inquiry was made on my account on XX/XX/23 by XXXX which resulted in a decrease in my credit score. I did not apply for any credit. I contacted Experian and they put an additional level of alert on my credit file. 

On XX/XX/23, I was again alerted by Experian of another hard inquiry on my account by XXXX which again resulted in another decrease to my credit score. I DID NOT APPLY FOR ANY CREDIT from XXXX. 

On XX/XX/23 I contacted Experian XXXX department to dispute the inquiries and have them removed from my report. I also placed a freeze on my report. Experian also advised me to file a report with your agency. 

On XX/XX/23 I contacted Security Verification at XXXX Bank. They confirmed that someone applied online for a credit card using my information.The applications were denied and flagged as fraud. They agreed to have inquiries removed from my credit file, and to send me identity theft information in the mail. 

It is apparent to me that the online application was a result of credit card mail solicitation that was intercepted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: MD

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-28 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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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