vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We sent a check to Chase Banks National Bank By Mail on XX/XX/XXXX and was received at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This check was for {$32000.00} issued to us by XXXX XXXX XXXX who sent us physical proof and confirmation of Chase Bank receiving the check, being in possession of this check, and deposited into a chase account on XX/XX/XXXX with a scanned picture of the check endorsed by me but it was not deposited into our account and again, not sure how it was deposited into somebody's account that has our name and address on the check. The check was an XXXX money deposit, the builder did not send wires and so they had wrote me a check. I endorsed it and sent it in. Clearly it was received, and chase has received it and so somebody or XXXX of the systems that deposits these messed up and put it into somebody else 's account. Chase can not find our money. The check issuer sent us irrefutable proof ( scanned image Chase Bank provided the check issuer of the endorsed check which proves chase had it in their possession ) that the check was received was cashed. As a bank it is their burden to verify the check was deposited into the correct account, and especially for such a large amount to have been deposited into somebody else 's account is reckless. I am without {$32000.00} because Chase Bank mishandled the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: SC

Complaint narrative:
Capital One reported Account ending in XXXX as " charge off ''. The IRS definition of a charge off is income. Income should not be reported on any consumer 's report. 
See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Today morning my account with chase was closed and my debit card was closed. I called chase a lot but customer service would not tell me the reason for closing my account. I went to the bank and the manager told me it was because I was using a lot of XXXX transfers. But my XXXX was used with fellow students and my XXXX and my landlord who rent the house to me, not for any other purpose.Chase bank closed all my accounts without giving me any chance to explain. I don't know why they were so rude, it led to me not being able to change my credit card immediately and it seriously affected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have a private institutional loan from the XXXX XXXX XXXX  XXXX XXXX, which is serviced by XXXXXXXX XXXX 

I am reporting XXXX XXXXXXXX for seeming attempts to block the ability of persons to actually have their student loan deferment forms processed. 

My loan is one which was taken out from XXXX while in XXXX XXXXXXXX. For the XXXX period, I had a no interest deferment for that loan, which XXXX XXXX processed without difficulty. 

When submitting my XXXX  deferment, I have been rejected twice, and then on the third try I was told I mailed it to the incorrect address, that the address had changed. 

In detail : - The first time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it for a minor clerical error. 
- The second time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it because the form was the incorrect form ( This was the same form I have been using for the last XXXX years ). 
- The third time, I mailed it, and the mail was marked undeliverable to the XXXXXXXX XXXX address. When I called XXXX XXXX to ask why it didn't get delivered, they told me their address had changed to an address in XXXX XXXXXXXX XXXX They also told me that the new address is listed on their website and forms, which it is not. 

XXXX XXXX does not offer any way to submit forms aside from mail. 

I have attached the inaccurate deferment form below I am reporting this company for : - Inaccurate mailing address for essential loan forms- Seeming attempts to deter deferment submissions via frivilous rejections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
Wed, XX/XX/XXXX - USAA put our accounts ( XXXX of them ) in " credit only '' status, essentially freezing use of the accounts. They claim this was initiated by their fraud team. I called that day and was told by XXXX XXXX that I would have a response or my accounts would magically be unfrozen within XXXX business days. 

XXXX XX/XX/XXXX - wait ( they say they can not do anything more until XXXX business days have passed since the request was made ) XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though XXXX of the XXXX accounts have been cleared ) XXXX XXXXXX/XX/XXXX- I call Member Resolution to inquire and they " submit another request to the fraud dept '' and tell me I have to wait XXXX MORE business days XXXX  XX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait XXXX XXXXXX/XX/XXXX - wait ( though I did call Member Resolution again anyway and got nowhere ) XXXX XXXXXX/XX/XXXX - I call and am AGAIN given NO information and am told to wait XXXX more days. 

XXXX XXXXXX/XX/XXXX - XXXX withdrawals are being bounced, checks are bouncing, etc. Furious, it has been XXXX full weeks, so I call again today. After XXXX minutes on the phone with a " XXXX XXXX '' expert ( my XXXX one ), I am again told that there is nothing they can do except submit an electronic request for the fraud team to resolve it " within XXXX business days ''. 

There is supposedly no way to put me in contact with the fraud department, and they will not let me talk to a supervisor or someone " higher '' up the chain. They claim the fraud department works first-in first-out, but that is clearly not true since XXXX of my accounts were unfrozen within a few days. I have had no access to my primary checking account and my son has had no debit card for XXXX days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NC

Complaint narrative:
On or around XXXXto now I was I lot of pre-approval on credit karma but they keep sending all kind of pre-approvals telling that I was was pre approved for credit cards, personal loans and refinance my car, every day I would see these offers ever time I login to check my credit score and still do, so after a few months of being told I was pre approved I thought I was in the prefect place to apply, I had got so mean offers through credit karma and I told my family about it that we was going to use the pre approval for vacation, so I applied most of my injuries came from credit telling me I can get a loan for cars and and refinance my car I have now and I never got approved from any of the Excellent approved offers from credit karma and my credit down a lot I was being lied to for months by credit karma being missed led and causing me to stress for weeks over this and XXXX XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX. Now every time I see pre approval I immediately closed my phone and shut my computer off this has made me so uncomfortable and XXXX that I havent checked credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX 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 XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX  ) 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 2022-09-28 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: FL

Complaint narrative:
Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX 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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
Well I been getting my XXXX check deposit on my chime account and all of a sudden when I went to check see if I got my check on the XXXX I always get it on the XXXX and when I check my chime for my XXXX check and try to take money off my chime card the ATM declined it and when I try to log into my chime account after my XXXX check was deposited chime closed my account And I can't called them and see why they closed my account after I got my XXXX check u have to have a account to call them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: KS

Complaint narrative:
I have never opened a utility account with XXXX XXXX XXXX I am XXXX XXXX XXXX, I have been living on a XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. 
I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX And I have been living in XXXX XXXX XXXX since I returned from Deployment and I dont have a Utility account with XXXX XXXX XXXX . The only XXXX Account I had was with XXXX from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that XXXX conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both XXXX and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received 3 debt collection letters from Midland Credit Management Company for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to Midlandcredit.com just in case the letter was a scam. I chatted with XXXX XXXX of Midland Credit Management and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called XXXX XXXX, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called Midland for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so Midland has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with XXXX XXXX XXXX, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with Midland in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OK

Complaint narrative:
i contacted netspend to file dispute on card and they closed my account completely i cant access any info on line whjen ive called netspend they tell me dispute will be settled by XX/XX/2022 but will not issue a card for my peov isional credit when i called on XX/XX/2022 i spent 2 hours on phone and still not able to access account to see tranactions no card issued and no info giving claim number XXXX AMOUNT XXXX i ask about 10day provisional credit and they keep saying you will get update on XX/XX/2022 when dispute was filled on XX/XX/2022 i just spoke to supervisor who was of no help they are blocking me from viewing transactions online or the phone i cant find out anything attached is XXXX XXXX report of transfers to card ending in XXXX which are all 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 2022-09-28 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: Chime Financial Inc
State: NJ

Complaint narrative:
Chime denied my disputes against XXXX who sold me defective merchandise and refuses to return it, under Claim ID : XXXX ( {$780.00} ) and two out of the three disputes under Claim ID : XXXX ( {$270.00}, {$31.00} ). I provided Chime with proof via photos and video of how said goods were defective and not as described. Although theres no reason they could possibly provide that would justify them denying my claim, Chime did not even provide a reason whatsoever for their denial.

Company response to consumer: Closed with explanation