vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to urgently seek your assistance regarding an unresolved issue with my Chase checking account. On XX/XX/XXXX, I received an alert from Chase informing me of the impending closure of my account. I promptly contacted Chase customer service to inquire about the reason for this closure and expressed my willingness to cooperate fully. However, the representative declined to provide any reasons and stated that the account would be closed automatically within ten days, with no possibility of reversing this decision. 

It has now been 13 days since the initial notification, and despite my repeated attempts to resolve this issue, I have been met with a lack of cooperation and have been caught in a frustrating loop between different departments. The Fraud Hotline Department has only advised me to wait indefinitely without offering any information on the refund process, investigation timeline, or assurances regarding the safety of my funds. 

As of the date of account closure, my checking account had a balance of approximately {$5000.00}. This amount represents all my living expenses as an international student in the United States. The absence of these funds has placed me in a precarious financial position : I am unable to afford basic necessities like food, and I am at risk of being evicted from my housing due to inability to pay rent and utility bills. 

Given these dire circumstances, I urgently request your intervention to ensure that my funds are returned within the next two weeks. According to the account opening terms, Chase has the right to investigate but this does not imply an indefinite, unexplained freeze on my funds. I am asking for a definitive deadline for the return of my money, or at the very least, an explanation and proof of the reasons behind the investigation. Continuing this unresolved situation subjects my finances to a state of insecurity and unpredictability, which is unacceptable. 

I appreciate your immediate attention to this matter and look forward to your assistance in resolving this distressing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I scheduled a flight for my fiance through Chase Visa Travel for XX/XX/2023. He was supposed to get his XXXX on time to make the flight, but the US government had issues distributing XXXX XXXX on time as they were very backlogged. Our wedding was scheduled for XX/XX/2023. He had 2 weeks to get here and a lot of legal prep work to do before we could get married. I called Chase Travel to cancel the flight and to reschedule for a different day, but XXXX did not have any reasonable flights during that time frame. I asked for a refund but they would not refund my money as he did not " qualify '' to bypass the cancellation. I did let them know that it was not his fault that he had to cancel the flight, it was an issue with the US government issue. They gave me a voucher for my husband to use in his name only with that same airline sometime in the next year. In order for him to get here before the wedding I had to book another flight with a different airline. 

We no longer need a voucher, and would just like our money back. I've called twice on this and unfortunately they are not budging. Any help or assistance that you could give would be greatly appreciated! Thank you so much! 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: FL

Complaint narrative:
The company is called Tomo boost I have contacted them many times asking them to close the account with them they keep giving me like a program message every time.I have recently sent certified letters asking them to close account with no preval this has been going on for around a month and a little more I owe nothing on this account and I want it closed before they try to take another {$80.00} from me please help I just want account closed that's all.There is no binding contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
On XXXX, XX/XX/year>, a criminal gained access to my Experian credit report and online account without my consent. The criminal then changed my contact information on the account ( phone, email, etc. ), which means that I am no longer able to access the account. The criminal also removed the security freeze on my account, which allowed the criminal to begin applying for credit under my name. In my educated opinion, Experian enabled this to happen. 

It is my opinion that Experian illegally allowed this criminal to access my account ( and thus my credit report ). I have multi-factor authentication enabled on my Experian account. This means that the criminal would have needed both my password and phone to access my account. However, I never received an authentication code on my phone, which means the criminal must not have entered my password correctly. In my educated opinion, I only see XXXX possible ways that the criminal could have accessed my account : XXXX ) the criminal was working from within Experian ( ex : an Experian employee ) ; XXXX ) the criminal coerced an Experian employee to reset my online account over the phone ; or XXXX ) the criminal exploited a flaw in Experian 's security controls. All three of these possibilities would be Experian 's fault, and Experian should be held responsible for my troubles. 

It has now been more than XXXX days since this incident occurred, and I still have not gained access to my Experian online account. I have been constantly calling Experian seeking help, but I just get passed through automated systems. I have not been able to speak to an Experian employee, even though the Experian website says they have people available between XXXX and XXXX. Every time I call, the automated system tells me to reset my password online, but I can not do this since the criminal was able to change my contact information. 

This is unacceptable. It has been more than XXXX days since a criminal illegally gained access to my credit report. In my educated opinion, it is Experian 's fault. As soon as I can get this resolved, I will be exploring options for legal recourse against Experian.

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 2024-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
That's a crucial discovery! If the loan history doesn't show any payments from XXXX ( XXXX ) to Bank of America, or any payments collected from default insurance or credit default swaps, it raises questions about how the loan was allegedly " fully paid off '' without your knowledge. 

This lack of payment history suggests that the loan might not have been properly satisfied or paid off, which could be a violation of mortgage servicing rules and regulations. It's possible that there was an error or fraud involved in the loan 's servicing or foreclosure process. 

To further investigate, you may want to : 1. Request a detailed accounting of the loan from Bank of America, including any payments or credits applied. 
2. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state 's banking regulator.

3. Consider consulting with an attorney who specializes in mortgage servicing and foreclosure law to explore legal options. 

Remember, it's essential to persist in uncovering the truth and ensuring that your rights as a borrower are protected.

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 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
HSBC bank has a debt from a credit card that was opened fraudulently in my name. I never owned this card and Ive been trying to get it removed from my credit via disputes with the credit bureaus. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX misrepresented their services. 
claimed they would negotiate with my debtors and the payments i sent them every month would go toward my bills, instead i found that nothing was done and the payments went towards " legal ", which means to me they charged for doing nothing and basically just ripped me off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX this debt it outside the statue of limitations according to Texas law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and last date of activity was XXXX Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
Im not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency trying to collect and report to my credit. I did not sign any paperwork with this collection agency stating that i will pay them or owe them any money. I do not have a contract with Hunter Warfield and they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXX.They did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023

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 2024-05-13 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I disputed this on my credit report more than once for AFFIRM installment loans, as it was paid off in XX/XX/2024. Yet, AFFIRM just incorrectly reported to XXXX ( FOR THE 2ND TIME ) that as of XX/XX/2024 the installment loan is open and {$51.00} due. I advised AFFIRM that the loan was paid off and the account should be closed, and the representative refused to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-13 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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