vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
I PAY FOR SAPPHIRE CREDIT CARD, WHICH YOU EARN POINTS FOR PURCHASES. I EARNED XXXX POINTS. I WANTED TO BOOK AN AIRLINE TICKET. I WAS TOLD THAT IN ADDITION TO MY FULL AMOUNT OF POINTS THAT I HAVE TO PAY ADDITIONAL {$970.00}. I LOOKED UP XXXX CLASS WITH XXXX XXXX, IN WHICH I WAS GOING TO USE FOR POINTS. THE COST IS {$900.00}. CHASE WAS GOING TO TAKE ALL MY POINTS AND HAVE ME PAY MORE THAN THE COST OF THE TICKET. THIS IS A SCAM. THEY SHOULD NOT GET AWAY WITH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase Bank has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to XXXX XXXX, XXXX. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of XXXX compliance. 

see the attached letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX and XXXX - XX/XX/XXXX - called my employment often giving a court case and stating that I was being sued for a credit card debt from XXXX. They were awful in how in they communicated with both me and my employers. They harassed me and would not provide me with any information. They threatened that I would be served tomorrow if I didn't pay today. 

I called back and asked for their contact information for their business- XXXX and XXXX XXXX They would not give me everything. Said I should already have 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Transactions were not authorized by me on XXXX XXXX XXXX. Amounts were {$500.00}, {$100.00}, {$100.00}, {$100.00}, {$200.00}, {$200.00}, {$100.00}, {$41.00}. Bank credited the amount disputed but later reversed the credit of all transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
-On XX/XX/23 I generated an online XXXX account to purchase an item that I intended to pick up in XXXX XXXX in XXXX Wa XXXX I live in XXXX, Oregon. That XXXX is XXXX mins down XXXX XXXX from me. I paid using a Barclays credit card.-It was the only online order I placed. 

XXXX XX/XX/23 I received multiple emails from XXXX XXXX, advising the items I just ordered were ready for pick up in a XXXX XXXX FLORIDA XXXX I immediately called the XXXX number for XXXX to report the fraud. They locked my XXXX account. I told them the items had not yet been picked up ( That's what the emails were telling me, I rescued quite a few that day ) The XXXX associate advised not to worry, they would handle it. 

-As soon as I got off the phone I called my Barclays card. I reported the fraudulent transaction. They canceled my card. 

XXXX ( A little over a month later ) I received a letter from Barclays saying they had investigated the incident and they it was not fraud as XXXX provided evidence that the items were picked up. ( Not something I'm disputing, I just said it wasn't me and I never placed the order ) I rang Barclays and filed another complaint. They re-opened the investigation. 

XXXX I spent XXXX on the phone trying to contact anyone that would help me at XXXX. Three hours later I was able to speak to a lady who identified herself as XXXX. She listened to my entire complaint and advised she could see that I had called in and filed the report on the XXXX of XXXX, but could not see that anything was done about the complaint, or that it was even forwarded to the fraud department. She told me it would be forwarded to the fraud department and that someone would contact me. I asked her to email me some proof that I had spoken to her, since I had no proof of the original complaint. She sent me an email on the same day advising she received the complaint. I have the email. 

XXXX I received another letter from Barclays advising that the purchase was not fraud, as XXXX provided them with a document that the items were picked up and the purchase went through. I tried again to tell them I was/am in Oregon, and did not place the online order and that someone fraudulently charged my card and picked up the items IN FLORIDA even after I called XXXX immediately XXXX have them stop the pick-up. AND I called Barclays and immediately cancelled my card. Barclays representative said that unless I have proof that it was not me that made the order, they can not do anything. I am stumped. How can I provide that proof? It's as if they want me to find the perpetrator and drag them to their office and force them to confess to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
When I applied for a Parent Plus loan for our son ( XXXX XXXX  ), my husband and I both had great jobs. 
Our son suffered XXXX while in school and transferred twice, thereby attending XXXX different colleges. 
He had enough XXXX credits to be a professor ( i.e., college B doesnt accept credits from college A, etc. ), The costs to retake college courses when transferring seems criminal. 
Down the road at payback time, I had XXXX XXXX XXXX  and finally a XXXX which landed me in the hospital for XXXX days. The high paying, high demand corporate job I held was causing extreme stress that was determined to be the cause of my XXXX. I left that job and was XXXX XXXX XXXX. 
I put my loans in deferment while I was not working. This racked up phenomenal debt in the form of interest. At one point the bill was XXXX ( for a XXXX XXXX in XXXX XXXX ). 
Great Lakes, the servicer for my loans is now Nelnet. According to the new Nelnet website, my current balance is {$200000.00} I can tell you that in XXXX after we sold our home, we paid XXXX toward our balance. Also, in accrued interest we paid {$12000.00} in XXXX. A total of XXXX, XXXX thus far has been paid by us toward this debt. 
My husband retired in XXXX he has had several health issues over the last 3 years and has not been able to contribute to any household earnings other than his SS which isnt quite enough to cover the mortgage. 
One of the colleges my son attended closed ( XXXXXXXX XXXX XXXX ). During the summer of XXXX, the college was placed on probation by its accreditor, the XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX and Colleges, over concerns about its finances. 
My current balance is {$200000.00}, knowing we paid nearly {$60000.00} to date is troubling. While I do work, I am self employed, therefore, paychecks are not regular. 
I am a parent of a child who neither parent ever attended college. We wanted this for our son and at the time we both had good permanent jobs which we expected to allow us pay the high cost. 
Thank you for any help, I do not see me getting out from under this alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
In accordance of the credit reporting act these creditors has vilolated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account, XXXX XXXX , Synchrony Bank , XXXX ( 5 ) accounts ), XXXX XXXX , XXXX XXXX , XXXX XXXX and the XXXX XXXX . 
Under 1681sec 602 states I have the right to Privacy Under 15 USC1681 604 A Sec 2 states consumer reporting agencies can not report these accounts without my written instructions Under 15USC 1666B ` - A creditor may not treat a payment on a credit card account under an open and consumer account as LATEfor any purpose. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX AL XXXX. 
SS XXXX. 

Please respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to make a purchase on my debit card and it was decline, after several attempt to purchase and being decline ; I contacted the bank by phone. The representative stated that everything was fine and it appeared that a new card was being issued, so i went to the bank to withdraw and find that my account was being closed and that I can only put money in, but not withdraw. I was given a number to call, but was unable to make contact due to the weekend. I followed up Monday morning, both in person and by phone too no avail. After the bouncing around by the bank, I was finanally told that my account was being closed for a deposit made and that I want receive my money out of my account until XX/XX/XXXX by cashier check. I was not given an option to close out my account and due to my bankruptcy this cause my case to be dismissed for non payment.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXX XXXX  INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : 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 2023-09-19 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
In accordance of the credit reporting act these creditors has vilolated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account, XXXX XXXX , XXXX XXXX , Affirm ( 5 ) accounts ), XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX . 
Under 1681sec 602 states I have the right to Privacy Under 15 USC1681 604 A Sec 2 states consumer reporting agencies can not report these accounts without my written instructions Under 15USC 1666B ` - A creditor may not treat a payment on a credit card account under an open and consumer account as LATEfor any purpose. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX AL XXXX. 
SS XXXX. 

Please respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a XXXX XXXX for {$50.00}. After I went in on the XXXX XXXX  it was having problems that day so I waited until the money posted to my XXXX XXXX account which is linked to my NetSpend account. I immediately cashed out of the XXXX XXXX  for {$50.00} to go into my NetSpend account the transaction said it was completed but no money was in my NetSpend account for the {$50.00}. On the next day XX/XX/XXXX I called XXXXXXXX XXXX several times informing them that my bank NetSpend said they did not receive it yet on the documentation that XXXX XXXX emailed me it shows that {$50.00} should have went to my account debit card and then XXXX. I asked NetSpend why they could not pull up the transaction retrieval reference number for the {$50.00} that was supposed to be deposited into my account. I was informed by NetSpend that I need to contact XXXX XXXX  I have been on the phone all day with both of them they both were giving me the runaround one is saying call XXXX XXXX the other anc XXXX XXXX is saying call NetSpend. I am attaching the documentation where the money went to NetSpend I do not see why they can not pull up their transaction number and see if it matches going to my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received several emails from Chime saying that I had opened an account and a new debit card was on it's way. Problem is, I have never heard of Chime before and I did not open this account. Upon further research it appears as though Chime may be fraudulently opening these accounts. See the XXXX article below. This is the exact same thing that happened to me. I put a fraud alert on account with the credit bureaus and contacted chime and had them close my account, only after they asked for some personal identifiable information first. I did not provide my SSN but confirmed my home address, name, and birthdate. 

Please look into Chime. 

XXXX XXXX XXXX? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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