vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My phone number was hijacked on XXXX XX/XX/2022. The thief created new accounts and asked for my existing credit card to be expedited to an address ( not mine ) in XXXX XXXX. I called Chase on XX/XX/2022 and reported all the new accounts that were created in my name, and I reported the fake address the thief was using. I reported that he had gained control of my account by getting one-time codes. I found out that Chase had not locked down my account but had allowed the thief to keep the new accounts active after he called back on XXXX XX/XX/2022. On XXXX XX/XX/2022, I went to a local Chase bank, and I again reported all the fraudulent activity. The Chase banker put me on the phone with their fraud department. I asked that all accounts including my only Chase account, a Chase XXXX XXXX XXXX, be shut down. Chase did NOT shut down my XXXX Rewards Account. I have called Chase back many times during XXXX and XXXX asking Chase to shut down my Chase XXXX Rewards Account. As far as I know they have not. When I sign into my XXXX account a XXXX ( that's right XXXX!!!!! ) account number with a new set of last XXXX digits XXXX is listed. I want NOTHING to do with Chase. They are incompetent. They refuse to shout down my XXXX XXXX XXXX. This is INSANE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: DISCOVER BANK
State: CA

Complaint narrative:
I was working with Discover to process an offer made to me. They required additional documentation to be submitted. I had not submitted Yet, an inquiry was made to my report. I reached out to Discover to find out why an inquiry had been made and we had not completed the application, the chat agent confirmed that an inquiry should not have been made at this point of the application. There was explanation from Discover why an inquiry had been made and the application had not been complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Spring Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To : The Office of Registered Agent for Spring Oak Capital LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have XXXX days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Regional Acquisition Group, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account 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 an account without my written instructions. 
15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose

Company response to consumer: Untimely response
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX $ XXXX Speedy cash XXXX XXXXXXXX {$350.00} XXXX ordnance with the Fair Credit Reporting act Convergent 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 explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT. 

I submitted a complaint in reference to Capital One 's failure to respond to my Cease and Desist and Debt Validation letters to the CFPB and they decided to close my account because I was exercising my right as the consumer/natural person and original creditor and demanding them to provide the proper verification pursuant to XXXX XXXX XXXX XXXX this debt is valid ; the adequate documentary evidence that I owe them anything. 

None of that contact information listed in their previous response is accurate. They have taken an adverse action against me which is considered discrimination under the Equal Credit Opportunity Act. Please note that I will be pursuing further legal action if this matter is not promptly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: OH

Complaint narrative:
I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.

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 2022-09-03 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: WI

Complaint narrative:
In accordance with the Fair Credit Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, THE XXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: PA

Complaint narrative:
I received a letter in the mail from XXXX and i called them and told them that i never open an account with them to purchase anything and they said that they will close the account and i told them someone else did this because i have XXXX and when someone try and use my name or address or email address and social security number i get an alert and i have a freeze on all my information so im not paying for something yall let happen to yall

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account 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 an account without my written instructions.

15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AK

Complaint narrative:
My XXXX  passed away in XX/XX/XXXX. My father had passed away previously in XXXX. Shortly prior to her death, she refinanced her home and and transferred her mortgage from US Bank to a reverse mortgage. 


I was appointed the Personal Representative ( XXXX XXXX ) for her estate. My XXXX XXXX  estate did not go through probate, because he had a living spouse and they had signed a community property agreement. Under the terms of his will, she was his sole heir. 


When I went through her paperwork, I discovered an escrow refund check from US Bank. The check was made out to both my parents and dated XXXX days prior to my mother 's death. Because I have no authority over my father 's estate, I was not able to cash the check. I contacted the bank and asked them to reissue the check payable either to her alone, or to her estate. 



Since then, I have talked with the bank several times, and worked with XXXX XXXX in their Life Events department. The bank sent me a letter acknowledging me as the " XXXX in XXXX '' on the property, but I haven't had any further communication from them. When I have tried calling the contact in the Life Events department, I get voicemail. I have not received a call back. I have given them several weeks to respond to emails, but there has been no reply. 

I have also tried calling back to the mortgage department, but they are unable to help with closed mortgages. When I have called, I have been transferred to various departments, but it seems to be an unusual situation and no one is sure how to handle 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 monetary relief
Consumer complaint received 2022-09-03 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX MOBILITY ) 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) CitiBank, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX Justice of Peace, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, I was served with the citation and called XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable XXXX XXXX XXXXXXXX veteran and that my only source of income is VA benefits and a Department XXXX Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXX that is being triggered by their lack of due diligence. All CITIBANK had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.

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 2022-09-03 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance with the Fair Credit Reporting act 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 2022-09-03 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance with the Fair Credit Reporting act 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 2022-09-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : 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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was alerted by my bank a new inquiry was on my credit report XXXX the XXXX XXXX for a application to attempt to open up a Capital one credit card which was not my.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get at least XXXX calls per a day from portfolio recovery services. Sometimes they create static on the phone call when I answer that hurts my ear. They never let me ask any questions, if I start to ask a question they hang up. I want them to stop calling me and only contact me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
This bank is infuriating because I simply can not get a human being to speak to me about my account. When logged in to the checking account, they suggest sending a secure message -- but there is no place in the user interface to send a secure message. I have scoured and searched every page, and it doesn't exist. They also apparently have a chat feature, but I've checked every single day for XXXX weeks and the chat feature is never available. 

They also link to a XXXX help account that has been defunct for literally years now. I eventually found the official, working XXXX. They don't answer tweets. 

I am also checking these functionalities in the Regions app. Nothing is ever made available. 

I also call customer service at this number : XXXX. I can never convince the system to let me speak to an agent after inputting my social security number and PIN. The system tells me that my checking account is already closed, and it is NOT, it is still open in the website interface and also in the app. I am being charged {$8.00} a month on the checking account. 

I want this unbearably disorganized bank to close every single account attached to my name and mailing address immediately. The customer service is completely non-existent. GET IT TOGETHER, REGIONS BANK.

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 2022-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
to whom this XXXX concern I am writing to report all of the incorrect information listed on my credit report. I am victim of identity theft. I am interested in all original creditors reviewing the file with dates, accounts, amounts listed and remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be XXXX XXXX accurate on all XXXX credit reports. that is not the case. please review the details in the files.

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