vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Over the holidays, between XX/XX/XXXX and today, XX/XX/XXXX, Chase Bank has charged me Insufficient Funds fees ten times, totaling {$340.00}. 

These fees are excessive, flagrant, and predatory. They also do not seem to comply with the Consumer Finance Protection Bureau 's 12 CFR Part 1005 ( Regulation E ). I have not opted-in to these overdraft services. In fact, on more than one occasion, I have spoken to Chase Bank customer service representatives about ensuring that Chase Bank does not provide this predatory service to me, and I have been told there is no way to opt-out. 

I have asked, " if my account has insufficient funds to cover a transaction, how can I prevent Chase Bank from issuing the funds and charging me this {$34.00} fee? '' to which I was told there was no way for customers of Chase Bank to avoid these fees. 

But XXXX ( b ) ( 2 ) states that Chase Bank must provide equal services to customers who do not opt-in. If there is no way to avoid these fees, then Chase Bank is not complying with this provision. 

Chase Bank has refunded some of these fees, but all should be refunded, and no further fees should be issued as I have not opted into this predatory practice which CFPB has recognized as a crutch that the banking sector relies upon to siphon money out of the more vulnerable and into Chase 's ledgers. 

I expect that Chase Bank will reply to this complaint in the following way : They will furnish some purported evidence of an affirmative consent where none exists, likely obtained through the flagrant practice of smuggling binding and irrevocable consent agreements into otherwise routine terms and conditions, which is an attempt by Chase Bank to neuter the CFPB 's authority. 

I encourage the CFPB to recognize this for the manipulative attack on its statutory authority that it is and to continue pursuing regulatory action against this overdraft fee practice that overwhelmingly targets the poorest or vulnerable, whom Chase Bank has demonstrated it is eager to exploit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXXk # XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX,

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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX,

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 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from Elevate Recoveries LLC, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXXXXXX XXXX Hospital and/or give them authority to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NY

Complaint narrative:
The incident began at XX/XX/XXXX. I received a text message from Chase, Fraud alarm Did you withdrawal {$3000.00} on XX/XX/XXXX? I immediately replied " No '', I checked my account from Chase app, the money was cashed so I went to Branch to file claim and close account. While I was sitting in branch with ID and debit card with me, there were still several withdrawals from different ATM near me. I was confused and even the bank stuff felt confused. All activities were denied after that, but the first {$3000.00} has no information and updated. I called consumer service so many times. They delayed the {$3000.00} check that suppose to send me and after XX/XX/XXXX, they said it was over three months, the case was closed. If I want to reopen the case, I need to go to police station and file the case, but police officers need affidavit form from Bank, but Bank didn't help a lot. I have to XXXX affidavit form from paid website. Now, I already went to branch for 3 times, police station 2 times. Still haven't file the case and reopen my case. I just felt so exhausted. I don't know how to protect my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2022-01-08 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: NJ

Complaint narrative:
My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.

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 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do not have concrete dates as write this down for you. But I had money mysteriously disappear and re-appear on my account but actual refund was ever applied to my account after the funds went missing. Not that I could tell.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a Chase Sapphire credit card customer in good standing. 

On XX/XX/XXXX I booked the following tickets on Chase Travel site : Itinerary # XXXX - XXXX to XXXX ( XXXX XXXX ) I used XXXX XXXX to pay for it. 
Itinerary # XXXX- XXXX to XXXX ( Alaska XXXX ) I used XXXX XXXX to pay for it. 

In XX/XX/XXXX, these flights were canceled because of Covid-19 pandemic. 
XXXX XXXX and XXXX  XXXX issued airline credits for the above flights. 

XXXX XXXX credit {$310.00} ; Issued for itinerary # XXXX XXXX  XXXX credit {$210.00} ; Issued for itinerary # XXXX I was informed that the XXXX XXXX credit was valid till XX/XX/XXXX Refer to Screen Shot XXXX at XXXX PM attachment - the Chase rewards website also displayed the same. 

On XX/XX/XXXX I called Chase travel to use the airline credit, they told me a different story. 
XXXX XXXX the agent supervisor ) informed me that the credit had already expired in XX/XX/XXXX and I can not use it. 
The case number S # XXXX XX/XX/XXXX at XXXX PM I have a recording of this call too. 

Furthermore, I noticed that Chase has fraudulently changed the expiration date of the XXXX XXXX credit to XX/XX/XXXX. 
Refer to screenshotScreen Shot XXXX at XXXX PM The company is not allowing me to use the credit at all now. They claim that the credit has already expired even though the site still shows ( even after the fraudulent change ) XX/XX/XXXX as the expiration. 
Backdating expiration dates should be illegal. Imagine mortgage companies backdating your mortgage payment date...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX closed my account without warning. They are also reporting to the credit bureaus of this action and also late payments, which I did not consent for them to report to any credit bureaus according to consumer law. Further more the card had a limit of {$300.00} and now they are saying I owe {$500.00}. how is this even possible? I never went over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed my account without my attention. I did not ask Citi to close my account, but Citi closed it without my permission, and I did not know it.

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 2022-01-08 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: PA

Complaint narrative:
I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 2022-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a hard inquiry from capital one on XX/XX/2022 that was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: NJ

Complaint narrative:
My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: PA

Complaint narrative:
I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have ran my Experian report and found inaccuracy on my report from XXXX Account # XXXX. I have written a letter to Experian on XX/XX/21 and XX/XX/21 to make the correction. They have not responded to the letter I send on XX/XX/21. They only responded to the second letter stating that it has been charged off and settle for a les amount. I have explained to the that it not reporting correctly. This account has been closed and paid in full for almost 24 months. It keep showing up reporting different information. I also have a letter from XXXX  showing that the loan was paid in full. It keep repporting different information. Copy of the last report is attached.

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 2022-01-08 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: VA

Complaint narrative:
On XX/XX/2021 XXXX account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX FUNDING BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS XXXX, XXXX, EQUIFAX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021 Collection account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX XXXX  BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS EXPERIAN, XXXX, XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hello please see attached I have tried disputing this with Transunion! I have paid this! Attached receipt. XXXX XXXX XXXXXXXX is the company and I have paid 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 non-monetary relief