vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Hello : I am based in XXXX XXXX People 's Bank has been recently bought out by M & T based in NY . During the change over to M & T, my line of credit was closed with Peoples Bank which is now creating a lower credit score. I'm hoping that this can be amended so that my credit score can move back up. 

I look forward to your reply.

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 2022-09-12 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XXXX XXXX I was notified by Barclay 's that my XXXX XXXXXXXX Credit Card had been closed. I had had this card for over 25 years and had never missed a payment or been late with a payment. For the last year or so I had been using the card to purchase high end watches to resale in a small business that I started. Some months I charged as much as {$150000.00} on this card and always paid it before it was due. The card had a {$50000.00} limit. The letter I got stated " your history of account usage '' as the reason for closing the card and said if I had any questions to write to Barclays, XXXX XXXX XXXX XXXX XXXX XXXX On XXXX the XXXX I sent them a letter asking for the reason that they closed the account and for the reinstatement of the same card. 
On XX/XX/XXXX, I received another letter from Barclays stating that they were unable to complete my request. This letter told me to contact them at the number on the back of my card for more details. On XXXX XXXX I called and spoke with several different people over the course of more than an hour and still got no answer as to why my card was closed. One person did tell me it appeared that I was trying to run up airline miles! 
I am requesting the reason for the closure and the reinstatement of my card and credit limit. Any help would be appreciated.

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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Have numerous chat communication as a live person is hard to get. I had opened this acct as I was having issues with unauthorized access and thought this linked with phone would be secure. I had lost my orig card issue ending in XXXX, the replacement received XXXX. During the lost card replacement I had used the virtual card for first time and not even that much. I had noticed that when attached to a service such as XXXXXXXX XXXX it uses a different number? Or perhaps that the situation of knowing my acct has unauth access? 
As I had my phone stolen when card was lost, I had added a temp num for use and then switched it back having only one number. Now I am missing deposits and check dep from Treasury were not the same as I had in hand. Rejected and I'm missing money, I do believe I have another acct that's not attached? And I think they have given access to another with no permission. As fingerprinting is used to access acct, I think they need to get this checked, as well as the phone being used. I have never owned a XXXX, just for info I share, And it's been a good minute since I have had a decent phone so XXXX has been my most current use. 
Anyhow, I had tried to find a lost dep and get answers on transactions that are made no where near me, for rooms I have no location for. I had contacted the parent bank and they had no acct listed either. Now, my sav and ch acct both drained and I'm locked out, the verification of card, pH, add don't match my pH at all. I had written it down and still have no access I want the statements for all accts sent to me and card number info, if virtual or hard was used. I think the statements I get to print show more trans than I do, and even the monthly total expenses doesn't add up. So I want a clear statement and list of acct and an audit to find out where the funds are being filtered to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I applied for Upgrade Card with the following terms from XXXX : Open Upgrade Card and Earn a {$500.00} XXXX  bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions* During the application for Upgrade Card, I did not have the option to enroll for a Rewards Checking account during application prosses. Moreover, I don't have such an option ( see attachments ) after I submitted the application. Upgrade 's representative assured me that I can open a Rewards Checking account after I open Upgrade Card. Eventually, Upgrade Card was approved and opened but the Rewards Checking account was not open. I tried to apply for the Rewards Checking account separately using existing credentials for the Upgrade Card account but received the following message from Upgrade : Thank you for your interest in an Rewards Checking account. Unfortunately, we could not open your account because we could not verify your identity. 
This message does not have sense because I am already an Upgrade customer and Upgrade already verified my identity during the application prosses for Upgrade Card. 

I believe the term for {$500.00} XXXX  bonus was misleading because of the next reasons : 1 ) I did not receive information about how to open Rewards Checking account from the upgrade 2 ) Terms of the offer do not outline the fact that the Rewards Checking account is needed to be opened after Upgrade Card was approved. 
3 ) There is not an option to add the opening of Rewards Checking account during the application for the Upgrade Card 4 ) XXXX link leads to the application of opening Upgrade Card without clarification on how and when Rewards Checking account should be open 5 ) Upgrade does not allow to open Rewards Checking account for the existing user with vague explanation : " we could not open your account because we could not verify your identity ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Right to Privacy Your disclosure of non-public financial transactions between XXXX XXXX and myself without my expressly written consent to unaffiliated third parties ( like the credit reporting agencies ). Youre legally charged to safeguard and keep private the nature of our regular and ongoing non-public interactions. Sharing this information on a monthly basis without giving me an opportunity to direct how my information may be used constitutes a flagrant violation of the law. 15 U.S.C. 6802, Gramm-Leach Bliley Act 15 U.S.C. 1681a ( i ) The consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. You are in violation of the law. 

Congressional findings on credit reporting agencies ( 15 U.S.C. 1681 ) state that reporting agencies assumed the role of assembling and evaluating consumer credit. It is not a congressional appointment and is in fact a voluntary reporting system. Youre not legally mandated to report to the credit reporting agencies. Thats a choice. It may be common practice and company policy however your internal policies do not supersede the law. The law does require accuracy of information if you choose to use this voluntary system. Accuracy in reporting is however your obligation but it may not include the transactions and experiences between the creditor and the consumer. Congress has stated that credit is a right and youre using the tenets of this voluntary reporting system as justification to adversely impact, harm and deny my right to attaining creditthis is discrimination. 

Thank you

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 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hi my name is XXXX XXXX I originally filed a dispute on XXXX XXXX XXXX I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car XXXX XXXX XXXX XXXX XXXX XXXX. It is really important to me and my family that I am able to get this corrected 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 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navientwas the loan servicer for my federal student loans between XX/XX/XXXX- XX/XX/XXXX. During which time I was employed in an education based non-profit residency training program. At the timeNavientrepresentatives instructed me to complete forms for deferment/forbearance for my private loans and disregarded the income based loan repayment option for my federal loans. Pursuant to their recommendation I submitted those documents. 

After reviewing my PSLF qualifying payments I recognized there is a gap for the XX/XX/XXXX- XX/XX/XXXX period. I was under the impression my federal loans were in an income based {$0.00} ( XXXX dollar payment ) as it was in XXXX based on my low income. However it is my belief Navient placed both federal and private loans if deferment status which detrimentally impacted my eligibility for qualifying payments under the PSLF program. Had this deferment not been applied to my federal loans I would be closer to federal loan forgiveness under PSLF. 

I understand loan servicers like Navient claim there was a lack of guidance provided by the U.S. Dept of Education during this time and specifics regarding PSLF were not obvious according to them ; fortunately the U.S. Department of Education has provided an opportunity to amend the unintended consequences of this mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/22 I received 3 messages from Bank of America that all three of my credit cards with them were drained completely when someone processed direct deposit cash advances simultaneously to XXXX XXXX XXXX XXXX around XXXX XXXX to an account ending in XXXX. I called Bank of America that afternoon as soon as I checked my email and they proceeded to do a fraud investigation. The investigation of the credit card ending in XXXX had concluded that my device was used in making the transaction. The only way I make online purchases is via my laptop. XXXX XXXX XXXX XXXX XXXXXXXX which is an hour away when this happened. I start working at XXXX XXXX  at XXXX XXXX. I do not even have an online account with Bank of America but someone must have set up an account in my name to have access to all three of my credit cards. Bank of America should have suspected something was fraudulent when all three credit cards were not only totally drained simultaneously but also there were three requests for increase credit limits but only one was granted. Thankfully no more money was obtained from that. Bank of America gave me no information about the bank the money was transferred to or what happened to the money. I have a bank here locally in XXXX and would have taken money out of that bank and not have to pay fees in doing so. They did not give any evidence as how they determined it was performed on my device. The account ending in XXXX had {$3200.00} withdrawn, the account ending in XXXX had {$5800.00} withdrawn, and the account ending in XXXX had {$9500.00} withdrawn. With all the fees over {$20000.00} is at stake. I should not be held responsible for any of this as I did not perform the transaction. I live alone and no one has access to my laptop and my credit cards were always in my possession and no one is ever allowed to use them. You can check my credit history and see I NEVER made any cash advances. I always pay the balance of my bill in total every month to avoid interest charges. I feel Bank of America was negligent in allowing this transaction to go through and allowing a credit increase without notifying me. The claim number for the concluded investigation is XXXX. I don't know the status of the other two credit cards but expect a similar conclusion as this crime happened at the same time in the same circumstances.

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 2022-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jason Michael Katz, P.C.
State: MI

Complaint narrative:
Jason Michael Katz , P.C . has violated my Federally Protected rights under the Fair Debt Collection Practice Act 15 U.S.C 1692. Jason law firm pursued litigation in state court for the 2nd time, without 1. Notifying me of this lawsuit, I have not received a new copy of the lawsuit before Jason and employees filed for an judgement 2.I never contracted with Jason P.C . to be sued upon neither time violating 15 U.S.C 1692i. I was also threatened and coerced into payments by Jason P.C. that I would be sued if I did not pay them for the alleged debt. I am now putting you on NOTICE to Cease Communication with me from all mediums including ceasing the judgement within 30 days and returning the funds as stated in my attachment.

Jason P.C. has used deceptive and abusive debt collection practice while collecting on the alleged debt causing me actual damages including but not limited to mental anguish, defamation of character, embarrassment, anxiety and more that will brought in Federal Court if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 we requested to wire {$50000.00} from our JP Morgan Chase business account ( California ) to our personal account with XXXXXXXX XXXX in XXXX. Due to the inaccuracy of the exchange rate and fees, and with the advise of our personal Chase banker, we decided to recall the wire back within a 15 minute window. On XX/XX/2022 our private banker with XXXXXXXX XXXX  contacted us to confirm the return of the wire in the amount of XXXX XXXX, and advised us that there would be a fee of XXXX XXXX. We agreed to the fee and the funds were wired back to Chase in the same manner they were received. We found out later, that our original wire went to an intermediary JP Morgan XXXX bank in XXXX when the original wire was sent from our account in the US. XXXX sent it back to XXXX, which in turn should have sent it to the US. We have been trying for more than 40 days to track down this wire and have the funds returned. We have made direct contact with the JP Morgan XXXX bank in XXXX and they said they can only respond with the bank and to have our bank contact directly to obtain details. Today is XX/XX/2022 and we are still getting a complete run around and everytime we speak to someone they indicate that it is going to be 7-10 days to get an answer from an email that has been requested... .unacceptable to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I submitted several complaints : XXXX with Experian ; XXXX with XXXX and XXXX with Experian. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 680XXXX.

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 2022-09-12 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: FL

Complaint narrative:
I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for XXXX credit card for XXXX XXXX surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 
This item SOUTHERN MANAGEMENT SYSTEM account # : XXXX in the amount of {$2200.00} is inaccurate because Pursuant to Pacific Concrete F.C.U. v. Kauanoe, statements and consumer contract are not sufficient evidence of debt. My rights under the Fair Debt Collection Act Pursuant to 15 U.S. Code 1692g ( a ) have been violated by SOUTHERN MANAGEMENT SYSTEM for failure to provide a dunning letter or any validation of debt prior to attempting to collect. I was not disclosed of my right to dispute this alleged debt Pursuant to 15 U.S. Code 1692g ( a ) ( 4 ). I am demanding that SOUTHERN MANAGEMENT SYSTEM have the account # : XXXX removed from all consumer reports. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item upon receipt of this notice Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
I have called and sent in letters to all 3 credit bureaus XXXX, XXXX and TransUnion XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.

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 2022-09-12 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:
I have a number of inquiries on my credit report that I didn't make. I've contacted the companies and the bureaus and was notified to file a complaint to get the credit bureaus to take them off.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: GA

Complaint narrative:
I signed up for a Brinks XXXX Mastercard and I never received my card. 

I have called several times to receive a replacement card, so that I can activate my account and use the card. In fact, when I called for a replacement, I was told I cant be issued a replacement because I cant verify my card number, but I never received a card. So it makes absolutely no sense. Then I am told that I owe {$9.00} for account inactivity and either I am hung up on or placed back to the circular automated line. 

I just want to receive a card so that I can use it and have the negative balance waived, sine I never received the card.

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