vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XX/XX/XXXX, XXXX XXXX. CST I made a payment to a merchant and they have additional security measures before they will finalize my order. One measure involves me providing a transaction number and verification number of the charge. They will not process my order until I obtain that from my card issuer, Chase. 

I called Chase card services to obtain my information concerning the transaction. I initially spoke with XXXX and was denied. I asked to escalate it to a supervisor and was connected after several minutes on hold to XXXX, credit card services. 

I was informed by both that I would not be able to get the transaction code or authorization number to my credit card charge. For security reasons, there is a different level of verification that would need to occur on the merchants side to be able to provide that information. 

My transaction will be cancelled by the merchant within one business day and I will not receive an important order. 

I feel this is an Unfair business practice, under standards of UDAAP, for the following reasons : I do not have access to use my card without it being cancelled by the merchant. 

I am sustaining monetary injury and compensable time damages based on my inability to process this order or have access to my contractual credit line through Chase. 

I can not reasonably avoid this injury as evident with the calls I made to Chase card services. 

There is no countervailing benefit for me to be denied this information as there is no risk in providing me this information on my own card account. 

When asked why it would be a problem for me to know about that information, they said it was a system limitation of Chase to provide that to me. 

I read the entirety of this complaint on the call with Chase and they confirmed all aspects of it's accuracy and affirmed their choice to prohibit me from my own account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I h

ave 2 complaints. ***COMPLAINT # 1****On XX/XX/XXXX, I received an email from XXXX  XXXX  XXXX   Mastercard ( issued by Barclays Bank Delaware ) for a promotion : " [ ... ] when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX  or XXXX , from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The terms state " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion ''. As of XX/XX/XXXX I had made 3 XXXX transactions and I haven't received my {$20.00} statement credit. On the first week of XX/XX/XXXX, which is over 90 days since the promotion ended, I called the customer service number and spoke with a woman, who said she will file a ticket with the IT department to make sure I get my statement credit. As of today, XX/XX/XXXX I still have not received my {$20.00} statement credit. 

***COMPLAINT # 2****When I signed up for this card, it was advertised that I would receive 5 % anniversary points every year after the first year. As of today, XX/XX/XXXX, I have not received my 5 % XXXX XXXX XXXX anniversary points. My account was opened in XX/XX/XXXX, and my 1-year anniversary would have been XX/XX/XXXX. As of XX/XX/XXXX I still haven't received my 5 % XXXX XXXX Anniversary points ( which would have been at least XXXX XXXX XXXX miles. I called and spoke with a female representative in early XXXX and she was not able to help me, she said I have to keep waiting but I am already past my 1-year anniversary.

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 monetary relief
Consumer complaint received 2020-10-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}, {$12000.00}, {$12000.00}, {$3700.00}, {$0.00}, {$0.00}, {$0.00}, {$5800.00}, {$8500.00}, {$7100.00}, {$8300.00}, {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received an update from a credit monitoring application stating my file was updated on XX/XX/20. When checked it showed a hard inquiry from XXXX. I do not have any business with or give authorization to XXXX XXXX to obtain my credit report. I filed a dispute with equifax on XX/XX/20. On XX/XX/20 I received an email stating my dispute was closed on XX/XX/20 and Equifax somehow determined the inquiry was factual and would remain on my report. How can it be factual when I am reporting i gave no authorization for this company to obtain my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am the victim of identity theft. My wife passed away almost 3 years ago. I went to Suntrust to open a checking and savings account back in early XX/XX/2020. Some of the features that were supposed to be on my account were not. So I contacted the woman that helped me open the account, XXXX XXXX, to help resolve the two issues, overdraft opt-in and bill pay. Ms. XXXX attempted to help solve these two items but when the claimed fixed never worked, she advised me to contact the tech area of Suntrust. I worked with that department for over a week and the last fix was to delete my online profile and create a brand new one. That ended up working. I made a couple of deposits into my account and used the card for purchases with no issues. On XX/XX/2020, XXXX made a fraudulent withdrawal from my account of over {$90.00} and it put my account into a negative situation. When I became aware of this fraud transaction by an email from XXXX, I immediately contacted XXXX  and told them they committed fraud. XXXX said they would refund the money right away, and it would be replaced onto my account in 3 to 5 business days. I then called XXXX XXXX and made her aware of the situation. She told me not to worry, and as long as I got the account back into a positive, all would be ok. 
I was still able to log into my online account and through the mobile app and see the negative balance. I sent Ms. XXXX a copy of the email from XXXX  showing me they would return my monies in 3 to 5 days. The next day, XX/XX/2020, my account was blocked. I attempted to reach XXXX XXXX, left her a message, and then called Suntrust customer service, and asked them why the block on my account. Suntrust explained it was the branch that had placed the block, so I called the branch and spoke with XXXX XXXX. She told me the block came from the back office area, and to call customer service, and she transferred me there. I spoke with customer service and complained that I was being punished by losing access to my account from being a victim of fraud and ID theft. They told me nothing they could do to resolve the issue, and started a claim to get my account released. I explained how proactive I was in getting the release of my monies wrongly and fraudulently taken by XXXX  back into my account. Plus I had been in constant contact for the day my account was in a negative, I got XXXX  to release the money in one business day not 3 or 5. I did everything in my power to get those monies back into my  account. Plus stay in contact with the branch. Nothing more could have been done by myself, in getting my money returned into my account quickly and keeping the branch informed.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX  and Transunion are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 XXXX on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment XXXX XXXX XXXX is past due which is not true.

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 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/NAT XXXX I cant say this more emphatically, I have never had a TRANSWORLD/NAT XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from GM FINANCIAL I cant say this more emphatically, I have never had a GM FINANCIAL account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: LEXISNEXIS
State: SC

Complaint narrative:
I am a victim of XXXX  identity theft. Some men got my social security number and used it for years. I was married 34 years and never paid attention to my credit file because my deceased wife started all our credit needs. She used her ss # and I came in and signed the paperwork to pay for everything. Until after she passed away, I felt I was getting credit also. After she passed, i went to buy a car nd was told my credit was very bad. I denied it and said we always paid our bills on time. I saw my credit report and there were almost 30 negative accounts on my file, as well as a few names and different states. I had to go to the police and file a report. The police said I was XXXX  and had a XXXX  for my XXXX. I denied it but the police said I had been. I got my info saying I had used an alias. I denied that, but none of the police believed me. They took my fingerprints and they did not match against the identity thief. The FBI said I could change a lot of things, but could not change my fingerprints. I was exonerated. Now, in getting those fraud names and addresses of my credit files has been a nightmare. The CRA 's breaking the law, outright lying to me. Also, some reps at the CRA 's told me things that would be finished by certain times, did not do it then end up ignoring me after repeated attempts to contact them via phone call voice mails, and emails. The law under 605B of the FCRA gives the CRA only 4 business days to correct the fraud items off my credit file.

Needless to say, those 4 days have come and gone. 
LexisNexis is the specific entity to say one thing and not perform and making their words lies and I am still harmed irreparably. To be lied to like this is very disheartening. Fix it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Ive reached out to GM Financial many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. GM Financial has refused to do so. I really need help with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive reached out to XXXX XXXX many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. XXXX XXXX has refused to do so. I really need help with this issue.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive reached out to XXXX XXXX many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. XXXX XXXX has refused to do so. I really need help with this issue.

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