vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XXXX, XXXX through XXXX, XXXX ( 18 months ) XXXX XXXX XXXX ( XXXX ) has made an unauthorized charge to my Chase Debit card of {$10.00} per month, totaling {$190.00}. Chase has agreed that the charges were unauthorized but have refused to refund the amount back to me.

Their reason is that I did not dispute these charges within 60 days. I filed a complaint with their Escalation Department stating the reason for not reporting this claim sooner was that the card was NEVER used. This was actually a second card on my account issued to my executor for EMERGENCY USE ONLY. There was no reason to check the transactions since the card was not being used. Chase verified that the card was never used.

My primary card hadn't been used in over a year as well. When I used my card for several transactions in XXXX of this year, I noticed the fraudulent recurring charge from XXXX and IMMEDITELY reported it to Chase. 
I have also made numerous attempts to contact XXXX which have been unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Granite Edvance Corporation
State: OH

Complaint narrative:
A student load was opened in my name fraudulently, I have never even applied for a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I discovered that the fund were taking out of my account {$500.00} and {$500.00}, I called back of America and claim for fraud, bank of america close my debit card and send me a new one, today I received a message via website said, they were unable to pay because the charge was authorized, I never authorized those charge

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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ACTIONREVREC plus they did not provide me with the original application like I asked. 
Account No : XXXX XXXX XXXX : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A student load was opened in my name fraudulently, I have never even applied for a student loan.

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 2021-07-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid 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: NJ

Complaint narrative:
I previously have filed a related complaint on " didn't receive advertised offer '' ; now I am filing for " misleading and confusing terms ''. 

I have applied for Chase freedom unlimited because of a promotion mail last week. I searched for the freedom unlimited card online ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which clearly states 5 % cash back on groceries store up to {$12000.00} within the first year. As of Tuesday ( XX/XX/2021, see screenshot attached below ), I searched Freedom unlimited, and the first link title advertised for the 5 % groceries store cash back. With these in mind, I applied through the link provided in the mail. Then I noticed that the 5 % groceries is missing, but it is still the exact same card, so I called the customer rep. The customer rep repeatedly confirmed that the 5 % cash back on groceries promotion ended as of XX/XX/2021, and I applied XX/XX/2021. However, all the official websites and links still have this promotion. I was very confused, and filed for the first CFPB complaint. 

Next, XXXX from executive office got back to me. I actually was not able to reach him for a couple of times, but then finally reached him through another exec. He did not mention what the customer rep have said, and simply said that my offer through the mail is different from what is widely advertised online. I then asked for a public offer match, he deferred me to the marketing team. One marketing team manager indicated they would look into why my mail offer was different ( she said they do not know why my offer was different and not sure what was missing ; if it is a mistake they would correct it ), and was not able to provide an answer immediately. She said they would get back to me in 3-7 business days. Next, XXXX from the executive office called me, saying the same thing XXXX told me initially. 

Since there is 1 ) no timing difference between my mail offer and public online offer, and 2 ) no source difference ( all from Chase official channel ), I do not understand this promotion difference. It seems freedom unlimited promotion team or marketing team or operations team was intentional in tricking the customer. It is common for customers to look up a card, the reviews, and related information online. The online official website did not clearly indicate that offers maybe different from mail, which may exclude any of the promotion offer.

Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MA

Complaint narrative:
I contacted Experian and informed them that a XXXX XXXX account had been opened without my permission. The agent at experian told me to file a police report and upload it with a copy of my ID and they would remove it within 3 business days. I waited 30 days and Experian told me they had not heard back from XXXX and there was nothing they could do. 
I contacted XXXX and sent them the 3 requested documents ( social security card, Police Report and Proof Of Address ). XXXX accepted my social security card and police report but did not accept my proof of address. I informed Experian that I contacted verizon but they were being uncooperative.

I requested to speak with a supervisor twice at experian but I was hung up on.

I have made every attempt to do my part but the staff at experian are rude and unhlpful

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 2021-07-16 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Applied Data Finance, LLC
State: AZ

Complaint narrative:
Today a debt company called " SRS '' called me at XXXX XXXX my local time which it isn't legal to call before XXXX XXXX. They call repeatedly and several times a day. They have called my mother 's phone number :XXXX and mine : XXXX. They have left voicemails on both that legal action may happen about a debt I have with personify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I

was never given full disclosure in regaurds to the transaction. Speaking on disclosure I was never given a right to rescind this agreement. Violation # 1. After capital one approved my credit card aka my social security number I was entered into a consumer credit transaction. Me being the consumer, I know all transactions start with me and my credit account tied to my social security. I never came for a loan I only gave capital one permission to access my credit and they turn around and furnished deceitful forms to coerce payment which is a violation of 15 USC 1692f ( 8 ), 15 USC 1692j ( A ) FDCPA. They took my social went into my credited account as me, ( identity theft ), then turned around and tried to sell me my own credit. ( fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Unsure of exact dates. Account was opened in my name. I have no information on account or have received account information. Was notified by XXXX that there was an open delinquent account. Disputed account but creditor would not resolve, stating that all the information they have on file supports I opened the 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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I have asked this company on SEVERAL occasions to stop calling me, and if they must, to not do so before XXXX as Im asleep from working nights. Not only do they still call before XXXX, theyll call me from private or restricted numbers and hang up, call me from personal numbers and hang up, have called me and not said anything and hung up, will call and let my phone ring once or twice and hang up. And every time I call back with screenshots and voice recordings they play ignorant. Theyve been threatening me and my personal well being, and calling me 6+ times a day. I feel like Im being harassed and that I may have to soon change my number to get it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One and told them I never received my credit card and now Im told I have credit card debts which is impossible because I never received any card to begin with I moved from XXXX XXXX XXXX XXXX  XXXX NY XXXX to XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX and have yet to receive my credit card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
A recent case with CFPB was marked closed but the lender Dovenmuehle Mortgage , Inc. did not fully execute all of what they stated they would do ( money owed to me was not sent via check, no tracking, no image of the check has been given to me ). Case Number XXXX. Based on your CFPB data Dovenmuehle has a history of misplacing or not sending out checks owed to consumers. I have not received the check owed to me even though the company stated in electronic correspondence that it was sent on XX/XX/2021 to my address. Additionally I have stopped receiving any form of correspondence from Dovenmuehle since XX/XX/XXXX via mail, which I had been previously been receiving, i.e. status report letters of communication between myself and the company. I have a mail service which scans all of my incoming mail and no mail has been received from Donvenmuehle since XX/XX/XXXX ( since I actually escalated my case through CFPB ). Because of the lenders history of not sending checks and the fact that the lender never complied with my inquiries before CFPB assisted me I am requesting that CFPB get me the check that is owed to me. Either tracking information or an image of the check, but more importantly that I actually physically get the check. It is a substantial amount of money {$3700.00}. I am concerned that the lender will state that it was mailed and that I must wait 90-180 days for another check to be issued. I am a XXXX XXXX  veteran which is why I am owed this money ( previous case explains the reasoning as to my why I do not pay property taxes in ILLINOIS ). Please if you could help me acquire the check owed to me. LOAN NUMBER XXXX, GUARANTEED RATE ( DOVENMUEHLE MORTGAGE INC ) ADDRESS OF PROPERTY XXXX XXXX XXXX, XXXX, IL, XXXX. Attached to this request is a letter from lender of day check was sent and a picture of my mail service that scans every piece of mail which is why i can prove nothing has been received by me nor has arrived at the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC
State: NY

Complaint narrative:
My family and friends were receiving back to back calls and voicemails over the course of 20 minutes from a person saying they were from the Information Research Department asking for my address to send me a certified notice. I called the number back and was yelled at by a staff member of a company claiming to be XXXX XXXX XXXX. He forwarded me to his manager who said I owed a debt of {$510.00} to Huntington Debt Holdings LLC and that they were collecting on their behalf. I told him I never received a notice. He said it was sent to an old address of mine but he wouldnt provide me with a copy of the notice that Huntington allegedly sent. He would only provide a copy of a demand from XXXX which does not specify I have a right to dispute. I have called Huntington many times, left voicemails, and emailed. I can not get through to a person to request verification of debt. 

XXXX is threatening to send this debt to collections if I do not set up a payment plan with them by XXXX today. But I dont feel comfortable giving out my account information without verifying the debt. All I am looking for is verification of debt from the actual holder of the debt, Huntington Debt Holdings LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-07-16 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: LEXISNEXIS
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Inexplicably, My Loan Care is stating two totally different dates for my forbearance ending, one on XX/XX/2021 in writing and another one on XX/XX/2021 on the website - which appears to be in error - as my loan care outrageously and falsely claims I owe 3 mortgage payments in XXXX of 2021. This glaring and outrageous error puts me in fear of wrongly losing my home.

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