vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, XXXX, XXXX, and Experian. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes 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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check of {$79000.00} from my personal check of XXXX  XXXX XXXX ( XXXX  ) to my XXXX account on XX/XX/XXXX. As I needed the money by XX/XX/XXXX, I asked whether it would be available in this Chase account by the date ( XX/XX/XXXX ) at a Chase bank branch, and a Chase associate said " yes '' after talking with the branch manager once I could show the balance was available by using my BOA app on next day ( XX/XX/XXXX ) ( I specifically told that I would not deposit my check if it's not available by XX/XX/XXXX ). I came to the branch on XX/XX/XXXX and showed the XXXX  app to one of the Chase associates. She said she would call me once the holding is released. I got a call in the afternoon on XX/XX/XXXX and the associate told me that the money would not be available until XX/XX/XXXX. I revisited the branch and talked with the branch manager. She told me that it happened as my account was new ( less than 60 days ). However, it's already over 60 days, and my account can't be classified as a new account. She also explained that it could happen even to customers having millions in his/her accounts or long-time customers of Chase. ( I have been a customer of Chase since XXXX, more than 20 years, but probably I'm not qualified as a long-time customer ) She took a picture of the cleared BOA check from my BOA app, and she told me that she would try to release the holding. No contact from the branch manager since then. I called Chase customer service on XX/XX/XXXX and talked in a three-way conference call among Chase, XXXX, and myself to verify that XXXX  already cleared my check from the BOA side and it is Chase bank that is not releasing my money to my account. ( The 3-way conference call was initiated by the Chase associate ) Chase associate told me that the money would be available soon on XX/XX/XXXX. Nothing happened and no contact from Chase Bank since then. I sent emails twice to Chase, and the reply asked me to contact another Chase phone number to release the holding. I called today, but no resolution yet. I have my personal Chase account since XXXX and the XXXX  account since XXXX. Can XXXX hold my check for 10 days in this case? They told me that it was holding as it was my first deposit of a check. I don't think that could be one of the reasons according to the Expedited Funds Availability Act ( EFAA ). I'm wondering how much the bank can use free money for its profit by using this type of tactic if I'm not the only one in this situation. I lost my interest from XXXX, and can't use the money for my business for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: P.S.C., Inc
State: MO

Complaint narrative:
In reviewing my credit report I noticed that I have a " collection '' account listed from Puget Sound Collections. Upon reviewing this information it indicates that it was opened in XX/XX/2020, the balance is XXXX, and it indicates that the original creditor was " XXXX XXXXXXXX XXXX XXXX  ''. I had previously disputed this to no avail. I had insurance the entire time I lived in WA XXXX from XXXX. At no time did I got to a doctor where insurance was not active. I do not owe anyone for any medical bill. This is also a medical debt, per the information provided, and should not be on my credit.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an email today XXXX, XXXX from chime letting me know that my debit card should have arrived and to activate it. 

I called in to Chime immediately at XXXX and got XXXX who I explained the situation to. He stated he closed out the account and that I would not be liable. I asked how was the checking account even opened and debit card mailed out when all three of my credit reports are frozen as it typically requires a credit check to finalize the opening of a checking account. He was unable to answer this question. I requested to speak to a supervisor and he stated that there was no supervisor available to speak to me in regards to fraud/identity theft and would not provide his immediate supervisors name. I then ask him to transfer me to the Fraud Dept and he transfer me to another costumer service rep XXXX. 

I then explain the situation to XXXX and request to speak to a supervisor and he transfers me to XXXX. 

I then explain the situation to XXXX and she was unable to provide me any information because I could not confirm the physical address used to open the account. The physical address used to open the account was not actually my address which is why I have not received any paper mail in regards to this account. 

Chime appears to not take Fraud/Identity Theft Seriously and skips basic measures to ensure they are not enabling fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Around XX/XX/XXXX of XXXX   I started looking around for a new vehicle. Upon getting a quote at the dealership I was informed that I was a first-time car buyer due to having no credit history of any auto loan. This is incorrect and I was totally caught off-guard. I decided to run my credit report from XXXX XXXX XXXX. The credit report did not show my {$20000.00} auto loan from XXXX XXXX XXXX starting XX/XX/XXXX, and ended XX/XX/XXXX. Since it wasn't on the credit report, I decide to call Experian and ask for ways to fix my problem. They told me they can do nothing from their side and the mistake had to be corrected by the Credit Union. Once I started a conversation with the Credit Union, they admitted that they in fact had lost all the documents on their end and could not correct something that they had no evidence of doing. Since this was my first auto loan my mother did co-sign with me, therefore, she was able to produce all the documents verifying my claim. The auto loan does show up on her credit report but not mine as you will see in the attached documentation. She is also willing to sign an affidavit stating that the account and loan was jointly titled in both our names. XXXX XXXX XXXX requested my documents, which I faxed. They never could come up with a copy of the loan agreement. At the time they seemed helpful, so I continued to work with them hopeful that this omission of the loan would be corrected. After not hearing from them for a few weeks I gave them a call on XX/XX/XXXXXXXX  and they told me they will not report it as Experian told the Credit Union that would be a violation. The Credit Union will help me no further. 

In summary, they could or would not provide me documentation of the auto loan I received from them. I gave them ample time to review and report the loan and I even provided them with the only information they have about my loan. I have account numbers, amount, type of account, account closure letter, everything I need for them to report the credit and they refuse to do so.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capital One credit card that advertised a {$300.00} cashback offer upon spending {$500.00}. With a credit score exceeding XXXX, I felt confident about approval. Subsequently, I received approval for the QuickSilver credit card and proceeded to spend {$500.00} using it. However, upon inquiring about the expected cashback, I was surprised to learn that the QuickSilver card wasn't eligible for the advertised offer. I reiterated that I had applied precisely as instructed through the m
ailed offer. However, the customer service representative clarified that I had been approved for a different card than the one I applied for. This came as a shock because nowhere during the application process was it indicated that I would not be eligible for the {$300.00} credit, especially considering my exceptional credit score. 

When I asked for documentation verifying that I was denied the cash back offer, they were unable to provide any such documentation. This experience has led me to suspect a bait-and-switch tactic, as the sole reason for applying was to benefit from the {$300.00} cashback offer. Consequently, it became apparent that I had just spent {$500.00} using their credit card for no benefit, except for a hit on my credit score! The discrepancy between what I applied for and what they approved me for, without the {$300.00} cashback offer, was not clearly communicated to me during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: FL

Complaint narrative:
Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 

Accounts listed below : XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXT # XXXX Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA.

In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning this account. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency.

Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law.

By disregarding this cease-and-desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA.

I kindly request your prompt attention to this matter, and I trust that you will comply with this cease-and-desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided 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 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I was behind on the payments for about 4 months and we sent a statement letter from LoanDepot about us owing {$27000.00} at the time. I requested a loan workout plan, so by XX/XX/XXXX, I received a letter stating they had received my inquiry for a loan workout. I have tried to get a workout plan for over a year but to no success. I was having medical issues due to complications of XXXX, which I caught in XXXX. I was admitted to XXXX XXXX in XX/XX/XXXX after having severe complications, because I started to have XXXX XXXX XXXX which XXXX triggered. I have been under several doctors ' care over the past two years, but recently over the past few months, I have been advised by my doctor that I will need to have XXXX XXXX. This is why I can't pay the initial payment amount for the mortgage and need the loan modified. I have been calling, pleading, and writing hardship letters to LoanDepot asking for a loan modification. I even reached out to HUD to get approved for mortgage assistance. I was approved for the assistance but LoanDepot will not sign the necessary documents to receive the funds or work out a plan with me. I have asked them to place the missed payments on the back of the mortgage loan. I was denied for everything I had written to them and suggested. I wanted to get my payments lowered for a certain amount of time until I was fully recovered from XXXX, but there was no help from them. I called them in XX/XX/XXXX and asked what solution they agreed to and they stated I would be on a XXXX Trial Payment Plan, paying {$10000.00} a month. That is {$4000.00} more than what I was initially supposed to be paying. This situation is stressing me and there is no way I can afford to pay {$10000.00} a month and have XXXX XXXX. This situation is stressful and I can not afford to lose my house, especially when I am trying everything to save my home from foreclosure. All I asked was for them to work with me on this situation. I would like a resolution that would benefit both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
Transunion : XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/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 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 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
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 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 XXXX Equifax 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've consistently maintained on-time payments for these accounts. Requesting a prompt update to accurately reflect this practice.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
{$36.00} XX/XX/2023 {$200.00} XX/XX/2023 I have been back and forth with Robinhood since the transactions took place. I have a multitude of corespondents between myself and Robinhood that provides all the information that they have request. Over 20 email. XXXX ( the merchant that the transactions was with ) has also sent proven documents showing they, yes indeed refunded the money back to Robinhood. 
However Robinhood has yet to refund the money back to me. 
Please let me know what else you may need, I have saved all communication along with screenshots of convos. 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA XXXX XXXX Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA section 609 Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : XXXX 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX I noticed my card had been charged in XXXX for {$1600.00} for a hotel charge. After looking into it I learned the hotel reservation was made for end of just XXXX. I called and canceled my card and informed them I knew nothing of this charge and disputed it. 
2 months later they reversed it and said I lost met appeal. I said the hotel charge off for a reservation in the end of XXXX and its not even XXXX at that point. They started another appeal and I lost that. I called and started a XXXX one after the date of when someone was supposed to check in and sent them the info that no one had checked in on that reservation. They denied my claim again and said well whoever booked it had your information. I explained to the lady when people are stealing your card they probably know your name too! 
I was denied again and told today theres nothing they can do and XXXX stuck with this charge thats now over {$2500.00} Yet in ALL of discover credit cards commercials they say never responsible for a fraudulent charge

Company response to consumer: Closed with explanation