vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX who on XX/XX/2022 had my pin and card stolen I within 14 minuets of card stolen i notified chase bank to close debit card. Within 14 min XXXX was stolen from my bank account from a chase atm machine at XXXX XXXX branch in XXXX XXXX ny XXXX I filed a police report that day and police went with me to branch to notify what happened. XXXX XXXX from that branch filed the claim to get the funds returned to my account on XX/XX/XXXX the funds were returned. Then without any notification to me on XX/XX/2022 that credit i received from the stolen funds for my account of XXXX was reversed. Their reason after weeks of tring to obtain that was that the debit card without error was used by pin number. The theives stole the pin and the card. There are many violations Chase has committed. Most serious is they do not consider a police report in their examination or the fact i have had an account with chase since the XXXX and never had a claim. They then after weeks of going back and forth tell me to go to merchant to get my XXXX. The merchant did not take the unauthorized funds from my chase account Card and pin was stolen.. No where in their advertised description of a debit card does it state they will not honor a debit card, if it is stolen I notified and shut down debit card 14 min after it was stolen i also received a detail police report by nypd same day as theft and brought 2 detectives to branch to meet manager. If that is not enough then chas does not honor unauthorized withdrawal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/2022 received an email stating my new Ally bank checking account. On XXXX XXXX received another email stating my email had been changed. I then called Ally fraud services and they corrected this.

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 2022-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
This is continuation of the pending complaint. just to clarify information in addition to what what I submitted in the complaint. 

1. XXXX informed me that servicer can provide me the print out of chain of assignments on this HELOC from XX/XX/2012 onwards in the XXXX system. My record shoiws that several creditors changed hands from XXXX. 

2. Also certified copies of all endorsements of the HELOC Note each time HELOC was sold from one creditor to another from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
A verification of debt letter was sent to agency and no proof or verification of debt was provided in response. They sent detailed medical records, which is a violation of my privacy. I did not sign a XXXX release form to authorize access to medical records. Also, my name is mis-spelled incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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 2022-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. TD Bank ( Target ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. Thx

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Court foreclosure case XXXX Bank forged a new FHA mortgage after we paid off our FHA mortgage. 
Attaching other complaint numbers. 
This is pleading into case to vacate summary judgment and go to trial. Or appeal case question of law. 
Can a bank used forged FHA mortgage documents to foreclose and take house? 
Law says no forged documents are not authority. Bank of America Countrywide mortgage already been caught see XXXX XXXX of forged mortgage note and assignment. Attaching the pleading to send to lender. Their lawyers quit when they read the consequences they face.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I ordered a computer from Apple. 
I was told if I got the Apple Card I would get a 3 % discount on the macbook air. 
I was told I would receive a physical card in the mail if I requested it at the time of purchase. 
I requested the physical card at the time of purchase. 
Apple refuses to send me a physical card. 
Apple Card refuses to send me a physical card. 
They say I must use some app on my phone ( which I don't have and don't use ). 
I can not make payments through my bank without a physical card. 
The agent refused to identify herself except saying her name is " XXXX. '' Refused to provide any resolution. 
This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Eastern Revenue, Inc.
State: PA

Complaint narrative:
XXXX will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: TX

Complaint narrative:
Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector. 
they are violation my right of the FCRA as a consumer. 
I do not know who they are and not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. XXXX and Equifax score dropped to XXXX. The following week, Equifax updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
Ironically, the company claims that the complaint is not recognized by the company. Perhaps, the company should type in the web address from the attached credit declination letter from XXXX XXXX, if you type www.consumerdisclosure.com it clearly brings you to LEXISNEXIS RISK SOLUTIONS! 
Attached is a credit declination letter from XXXX XXXX dated XX/XX/2022. The letter advises that a report was utilized by the ISO Consumer Report Center. I am making my request within 60 days of the attached letter. Thus, please mail a complete copy of the report utilized by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX is stealing from she got my phone tap at her job XXXX & XXXX XXXX XXXX immediately help

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.

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 2022-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Date Assigned XX/XX/2018 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERVICES Original Amount Owed {$2500.00} Amount {$2700.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the credit reporting agency to check everything on my credit report, they said they did, said everything was correct and verified, but I still found mistakes on my report. 
account # XXXX ... ... U.S. DEPARTMENT OF EDUCATION. In accordance with the Fair Credit Reporting Act. XXXX account # XXXX has violated my rights 15 USC 1681 section 602A states that I have the right to privacy. In 15 USC 1681 section 604A section 2 states that a consumer reporting agency CAN NOT furnish a account without my written instructions. I need thus account removed.

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 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/22, a PayPal payment was made from my bank account, for {$100.00}, to the XXXX  XXXX. 

I contacted the XXXX  XXXX, and they issued a {$60.00} refund the same day. 

The refund shows as pending in my PayPal account. PayPal will not release the money to me. They said they are still waiting for my bank to send the initial {$100.00} payment to them. The {$100.00} cleared my account on XXXX, so PayPal already received their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card. 

TODAY, I discovered XXXX hard inquiries on my XXXX report from XXXX XXXX and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my Experian report, but I was unable to make an account. It appears the scammer made a fake account with Experian under my name, as they used an old email and I discovered an email in my inbox welcoming me to Experian. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact Experian, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that Experian has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly 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 non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IL

Complaint narrative:
XX/XX/2022 I woke to pay a bill and my entire checking/money account was frozen with all assets and due to my money account being frozen it prevented me from moving money from my save account to withdraw. I contacted the come who told me on a recorded line that they dont see why they have now know the reason for this but that it needed to be escalated and I will have to hear back in XXXX  days. XX/XX/2022 I received an email from the escalations team stating that they dont know what happen but it is being investigated along with a second email stating that they have now frozen my save account. My bills are now late and pst due with my money in limbo for no reason. Credit karma is holding $ XXXXusd. And wont tell me why. Their customer service says they can only email which is very scamming and misleading. They are giving me the run around while not allowing me to know why they have my money.

Company response to consumer: Closed with explanation