vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My credit card was locked by the Citi Bank on XX/XX/XXXX. I tried to resolve this problem by calling the customer service to verify my identity and unlock my credit card, but the customer service responded to my request quite passively. They promised to send me a verification letter and to call me back after conducting a survey on my case. But none happened after a whole month, and my credit card is still locked

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I notice some unauthorized inquires on my report. My auto loan of {$20000.00} is paid off already in full.

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 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I have been trying to enroll into XXXX XX/XX/XXXX, I have tried over 20 times and have emails that my request is being processed. I have called Edfinancial over 8 times to attempt to resolve this but they were unable to help me. I've called the bank to ensure the issue is not from their end, the bank assures me that no communication has been received from Edfinancial. I've even tried three different bank accounts but no luck. 

With the autopay, the interest on my loans which are over $ XXXX would be less by XXXX XXXX, so I have been paying an additional XXXX XXXX every month because I am unable to enroll into autopay despite many trials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Unfroze my credit report online through Equifax on XX/XX/XXXX of 2023. Applied for a private XXXXXXXX XXXX XXXX on XX/XX/XXXX of 2023 and was given a message that my credit report was still frozen. I called XXXX and they told me that they had tried to run my report through Equifax and that it was still coming back as frozen. When unfreezing a credit report online, it should've unfrozen my report within an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attach with this complaint a prior summary submitted to CFPB concerning the fraudulent withdrawal of ~ {$91000.00} from 2 JP Morgan Chase bank accounts that belong to my mother, XXXX XXXX. I am a joint tenant on these accounts, and I am communicating on behalf of my mother. 

JP Morgan Chase claimed that the responsibility for safe-guarding this account was ours, because we were not aware of the sequential withdrawals from the first of the two defrauded accounts from mid-XXXX XXXX until XX/XX/XXXX. JP Morgan Chase stated they provided my then XXXXXXXX XXXX mother with monthly electronic statements, so the responsibility was hers, except for the first 60 days of the fraudulent withdrawals. We repeatedly told JP Morgan Chase that my XXXX XXXX XXXX mother did not agree to get her statements electronically. 

I have recently been preparing to work with social media and press consumer watchdogs to mount a campaign against a legal system that shields banks and harms consumers in the event of electronic bank fraud. 

I found two new pieces of evidence which I believe places the responsibility for safe-guarding the account with Chase.

1. With this report I am also attaching a signed request for PAPER, NOT ELECTRONIC, STATEMENTS. Although this was for a different account than the two that were defrauded, it does demonstrate what our directives and preferences were. Im certain that if JP Morgan Chase searched their records, an identical directive would be found for the two defrauded accounts. 

2. In addition, since my last communication, XXXX, CA police arrested the perpetrator of this bank fraud, who I have been told, pleaded guilty. The case number with the XXXX, CA Police Department is XXXX. If you have questions or want more details about the arrest you can reach XXXX XXXX at ( XXXX ) XXXX. 
Taken together, Chase failed to provide paper statements, further failed to protect the accounts from fraudulent withdrawals, failed to restore the defrauded funds, and refused to work with my family to reach out to the vendors who received the stolen money so that we could receive full compensation. 

SHAME ON YOU. 

Hopefully, with these new facts, JP Morgan Chase will restore the roughly {$76000.00} in defrauded funds that it failed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
they are reporting the date of my last payment in correctly. I stop paying all of my chase accounts in XXXX. they are reporting last date of payment 1XXXX .this account is out, of statue its been 7 years since I made a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Someone has an account using my SSN but NOT my name or DOB I have been on the phone with Capital One for over 2 hours now getting thrown around to different departments and trying to figure out what is going on. 

For context, I have never had an account with Capital One before. 

* Sun XX/XX/XXXX - applied for Capital One Venture X * Asked to provide docs ( picture of SSN card and drivers license ) * Approved Monday XX/XX/XXXX * Got online access Friday XX/XX/XXXX * Want to move my Checking and Savings to Capital One so I went to apply through the online portal * At the end of the app it basically said " we need more info, call this number '' * I called the number and was told that there is a credit card account opened since 2021 using my SSN but NOT my DOB or Name * I verified that this account IS NOT on any of my credit reports * The fraud specialist at Capital One still told me to call XXXX XXXX XXXX. I did, and lo and behold they don't see it either so there is nothing they can do * Now I'm back on the phone with Capital One trying to get them to close the other account that is using my SSN How to get this resolved? I'm at a loss getting thrown around from person to person and nobody actually helping me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: American Credit - Credit Repair Centers
State: CA

Complaint narrative:
I sent American Credit Repair a written request for proof of their surety bond and registration certificate from the California Department of Justice. I sent my written request via e-mail, however, the company willfully and deliberately ignored my request. I have the e-mail chain as proof and the e-mail was successfully delivered and sent to their correct e-mail address. XXXX XXXX responded through a previous CFPB complaint admitting they were in receipt of my e-mail complaints to their corporate e-mail address. It is against state law to conduct a credit repair company without : 1 ) a {$100000.00} surety bond filed with the California Secretary of State and ; 2 ) apply for and receive a registration from the CA DOJ. Violation of each is a misdemeanor. Moreover, American Credit Repair indicates in their contract that theyre a registered non-profit 501 ( c ), however, there is no record of not for profit status with the IRS XXXX This is also against federal and state laws. Additionally, on XX/XX/XXXX, there were 11 illegally posted credit repair advertising signs posted on government property without a permit. This is a misdemeanor in California. American Credit Repair is also illegally affixing their advertising signs on telephone poles. We have photographs as evidence and percipient witnesses that signed under penalty of perjury that these illegally posted signs are new and recent. In XXXX and XXXX, we filed complaints against American Credit Repair for the same reasons on innumerable occasions. The owner XXXX XXXX, is knowingly and willfully, systematically violating federal and state consumer laws. I also called the company and asked they cease and desist their illegal adverting, however, employees XXXX and XXXX disconnected the call attempting to escape accountability. Disconnecting a phone call on a member of the public is poor customer service. It was egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter to Transunion demanding the deletion of all personal identifiable information on my consumer credit report with the exception of this identifiable information : XXXX. Name : XXXX XXXX XXXX. XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX. Phone Number : XXXX. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections

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 2023-11-19 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
XXXX failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called credit reporting agencies and let them know the inquiries attached below in the document are not to be visible on my consumer report. I never gave them written consent to report them. 18 U.S. Codes 1028A Aggravated identity theft

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX day of XXXX, 2023 Subject : Dispute of Incorrect Information on My Credit Report Dear LVNV FUNDING LLC, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ LVNV FUNDING LLC ACCOUNT ENDING IN XXXX XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: GA

Complaint narrative:
I represented a protected person before Experian as a court appointed guardian. The company was supplied with a guardianship order. Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a protected person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC XXXX. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Experian was requested to cease and desist contacting the protected ; and not to disclose information of the protected person to any one. Experian failed to act to honor court order and Indiana Guardianship Act. Such acts violated Indiana XXXX XXXX XXXX. Probate XXXX. Experian was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes Indiana Guardianship Act.

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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I NO NOTHING OF THIS DEBT I NO NOTHING OF THIS COMPANY AT ALL THEY SAY I OWE XXXX DOLLARS FOR WHAT PLEASE I DONT HAVE ANY CONTRACT WITH YOU PEOPLE

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX day of XXXX, XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear ABSOLUTE RESOLUTIONS, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ ABSOLUTE XXXX XXXX XXXX  XXXX XXXX ] ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FC HoldCo LLC
State: TX

Complaint narrative:
i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email

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 2023-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I bought an extended warranty for a tv at Best Buy for {$170.00} using a store credit card. I was told by the sales person, this was for 2 years of protection on the tv. When I read the email after making the purchase, its actually a membership to My Best Buy Total membership, which is an annual membership that costs {$170.00} per year and automatically renews each year. I found this very dishonest on only really getting 1 year warranty for {$170.00}, and its a membership program not an extended warranty service.

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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XXXX I filed a dispute for charges that were not authorized. 

Chime immediately denied my claim. 

I filed a rebuttal claim and was told by a supervisor that he had no idea why my claim was denied and that he was resubmitting the claim to have a provisional credit released to my account. I waited over a week and nothing was credited. I then asked for proof as to why my claim was denied and Chime sent me in circles via email for weeks with no resolution to my rebuttal claim.

Company response to consumer: Closed with non-monetary relief