vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am the primary on this card, I added my boyfriend as an auth user. We travel together. Sometimes he books and plans the trips, sometimes, I book and plan the trips. But we use the same card/account to earn the rewards. We both downloaded the app to better serve our booking needs. I noticed in XXXX that not only were we missing rewards points and credit for nights stayed in a hotel, but also, my total points and his were different. So I called on XX/XX/XXXX and spoke with someone about this. I provided confirmation numbers and dates for hotels that were missing. One hotel named, XXXX, is still in the transitioning phase, so she assured me that the rewards would be added once the hotel has completely switched over. After that call, I waited. On XX/XX/XXXX I opened a chat box with the card reward center to ask about the difference of reward points on his app versus mine and also about the XXXX stays. He again asked for all the confirmations etc, so I sent them again. He then explained that even though we have one account, and one bill, that we have separate rewards. So anything that he books or slides his card for, goes to a reward account under him, and the same for me. I explained to the gentleman that is not good practice, and its only one account, so the points earned and nights stayed should be merged. He said its impossible. So i ended the chat, and decided to call and speak to a live person. I then called in and spoke with a woman, went over everything again, she said the same, and said i should only use one of our cards moving forward, and that i can transfer his rewards to my account for a fee, but any credit for " nights stayed '' would be lost. After 20 nights stayed, you get a status upgrade. This is not acceptable, as its ONE account, anything we earn should accumulate together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After a long wait, they said we cancel the credit card No explanation of who opened without my consent I suppose to pay them XXXX dollars annually Fort this credit 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 non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to transunion twice in the XXXX and XXXX to have inquiries removed from my report. I have been a victim of fraud. I have an active alert on transunion. No one should be able to run my credit for any reason without a password. Also all inquiries that are not connected to active accounts do not belong to me. I would like to have these inquiries removed. They should have never been in my credit. 
Transunion has not cooperated with me in getting anything 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 non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/23 I logged into my Coinbase account to refund the money i sent from XXXX to XXXX XXXX account and there were several attempts made the prior week, a huge message covers my screen from Coinbase Support stating my account was locked and to contact them to unlock my screen, I called a XXXX phone number ( California XXXX XXXX ) and wrote down the email address : XXXX and thought maybe Coinbase is outsourcing. The XXXX. XXXX answered to assist and I requested a XXXX XXXX. XXXX said will need to work on the account and moved. {$6.00} from XXXX to my XXXX XXXX. XXXX asked me where would i like the refund sent to and I said to my XXXX  account, XXXX XXXX asked me to open my XXXX account and moved {$150.00} to a XXXX XXXX account, I told XXXX XXXX that I didnt ask him to take money, I asked for a refund of {$140.00} from coinbase, XXXX XXXXXXXX said he would need to create a dummy account and my XXXX will be refunded in XXXX hours. Later that evening XXXX XXXX called me back and requested i share my screen again through XXXX share to still work on my account, i logged in and later I went back to my chromebook, the {$140.00} was moved to a XXXX account that is not associated with my account. 

On XX/XX/23, i logged back into Coinbase and spoke with Chat Rep XXXX who provided coinbase procedures and stated they do not accept XXXX payments and would never ask anyone to set up a dummy account On XX/XX/23 I contacted XXXX XXXX stated they would investigate with no response On XX/XX/23 I filed a police report and received Report # XXXX On XX/XX/23 XXXX Support stated I would need to contact the recipient, I told the Tech. that the recipient in a Hacker posing as a Coinbase Tech. XXXX XXXX. stated they can not reverse the payment. 

Address to Coinbase XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX PH # XXXX XXXX  Phone XXXX Square Arbitration Division XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-08-30 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
My loan with Carrington Mortgage was paid off through the sale of the property on XX/XX/XXXX. On XX/XX/XXXX, I contacted customer service regarding the status of the escrow refund check as we were in the process of moving and had no way of retrieving any mail that slipped through the mail-forwarding. The representative told me the check ( number XXXX ) in the amount of {$2100.00} was mailed on XX/XX/XXXX, and I would need to wait 15 days before calling to request the check be voided and resent. 

I have since attempted to follow up, but now that my loan is paid off the customer service phone number no longer recognizes my phone or loan numbers. There is no way to circumvent the dialer rotary to speak to a representative. 

On XX/XX/XXXX I sent an email and left a voicemail for Carrington Mortgage on their Advocates phone number and email address. Then on XX/XX/XXXX I was contacted by XXXX XXXX that my inquiry was opened, and he would email me with a follow up same-day. I did not receive an email from him or Carrington. The following day, XX/XX/XXXX, another representative from Carrington Mortgage called, stating the escrow check would be issued. 

I have not heard anything from XXXX, the other rep, or Carrington Mortgage since XX/XX/XXXX. 

I'm not sure what is going on here, but I need my money refunded to me immediately. I need the timeline of refund and tracking information for my refund check provided as soon as possible. 

Carrington Mortgage is not responding to my emails, inquiry with XXXX, or any other communication. I need help with this. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts for student loans were charged off and then taken repayment from tax return accounts were charged off I had to report and tax intercept to repay they should not be on account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX  I received a targeted email offer from Capital One for a {$350.00} bonus upon opening a 360 checking account and making two deposits of XXXX XXXX  within 75 days of account opening. I accepted the offer and followed the link to apply with the promo code. 

The next interaction was also via email. Capital One requested identification on XX/XX/. I submitted this documentation and was told that a response would likely come in the next two days. 

Because I had not received a response, I called Capital One on XX/XX/XXXX. I was told by the agent that the application had no activity on it, but that I was eligible for the promotion and he would help me complete it. After giving the agent some personal information, I was given a link to continue the application. This link did not work. However, the account was open by the end of the call. 

After opening the account, the agent transferred me to the account activation department, where an agent ( named XXXX XXXX told me that the account had been opened without the promo code and assumed that the error was mine. I explained the situation and asked her to correct it. She refused, telling me that I could try calling again in XXXX, after the eligibility period expires, and maybe they would help me. I asked if she would vouch for me, and she said she would not. 

So, I was left not knowing if a system error had occurred, or if the first agent had simply started the application from scratch without applying the promo code, or if I had fallen for some kind of trick. I called again today and asked to speak to a manager. The manager, XXXX, told me essentially the same thing, except that the earliest date to correct would be XXXX, not XXXX as the previous agent told me. She also did not try to pin the mistake on me and was much more professional, explaining that such system errors do happen and that following up in three months is the standard protocol. She gave me her employee number and the case reference number. 

While XXXX was much more pleasant and professional, I am still not satisfied with how this promotion is being handled. I read the fine print and this was not part of it, a promo code does not simply go missing mysteriously, and if such a thing occurs so frequently, the proper way to handle it is not to delay resolution beyond the promotion period and leave the customer at the mercy of a phone agent. When personal information is given in exchange for something, that creates an obligation and is not easily reversed. This is more serious than simply refusing to accept a coupon.

Company response to consumer: Closed with explanation