vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 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: CA

Complaint narrative:
On XX/XX/2020 I sent XX/XX/XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by XX/XX/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 2020-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Good afternoon,XX/XX/XXXX, based out of XXXX, WI XXXX XXXX. XXXX XXXX, XXXX, WI ), manages my Health Savings Account that is funded through payroll deductions from my employer. As of the date of this complaint, I have only received one welcome letter from the Bank, dated XX/XX/2020, regarding this account. I have not received any documentation ( i.e., disclosures or statements ) concerning my rights as an account ( deposit ) holder and, more importantly, I have not received my health care payment card or any alternate options to access the funds within this account so that I could pay for my pertinent out-of-pocket medical expenses. I have tried contacting the Bank as well as its affiliate, XXXX, to obtain a status of the health care payment card and have not received an appropriate response nor have I received the actual card as stated by the telephone representatives. I have called the Bank and its affiliate three times concerning this matter and, therefore, have exhausted my options. The last time I called the Bank, which then transferred me to a XXXX representative, was on XX/XX/2020. I would greatly appreciate a thorough response from the Bank and/or its affiliate regarding this matter so that I could perform and manage my pertinent healthcare expenses as intended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
{$5000.00} stolen from money market account in branch in XXXX. XXXX Pd dosnt have time for this. BMO needs to make exception, and let me sign affidavit. I know this is just to make sure Ill go to jail if lying. 


Complained before

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 2020-12-26 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: CA

Complaint narrative:
On Monday XX/XX/2020 I received a text appearing to be from chase bank, I clicked a link and it appeared to be the chase bank homescreen. I signed into my account but it appeared not the same so I exited out of the web browser and called my bank. They informed me that they didn't send me a text and to ignore further emails and text messages. 

On Wednesday XX/XX/2020 my cell phone completely loss all service, I wasn't able to text, browse the web or making calls. I immediately went toXX/XX/XXXXXX/XX/XXXX on XXXX XXXX, they informed me that my sim card was not matching my XXXX any longer so they changed my sim and my service was working again. No other explanation was given and I went to XXXX XXXXXX/XX/XXXX. I purchased shoes at the XXXX  store with my debt card with no problem. 

On Thursday XX/XX/2020 my cell phone loss service again I noticed around XXXX. I felt something was wrong so signed into my bank account and noticed money was being filtered from my savings account to my two checking accounts. The first amount was {$2000.00} taken on the XXXX around the time my phone wasn't working and then the second {$2000.00} was taken right as I was online looking, both amounts were used by someone in XXXX, Michigan based on location that was on my Chase statement. I immediately used a friend phone to call Chase bank. They informed me to lock my debt card and change passwords and they would flag my account. The pending amounts could not be stopped. I also called XXXX on my friends phone and they had to re-active my sim card over the phone and later realized during the times my phone wasn't working someone managed to access my account in XXXX and were posing as me to talk to Chase Bank. I never authorized the wire transfer. This evidence shows on my XX/XX/XXXX records. I can not be at two places at once. 

On XX/XX/2020 I filed a fraud claim with Chase bank over the phone and went inside a branch to change account numbers and debt card. I believe my SSN was obtained and is being falsely used. 
clear img Print This Report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-26 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: Lendmark Financial Services
State: MD

Complaint narrative:
I was a victim of identity theft and I notified the company involved. ( Landmark Financial Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMorgan Chase Bank, N.A. : Reference Number : XXXX Account Ending : XXXX [ 4 ] 15 U.S.C. 1692c ( b ) ( generally prohibits debt collectors from communicating with third parties in connection with the collection of a debt, in the absence of a court order or prior consumer consent given directly to the debt collector ). I XXXX XXXX the consumer did not give JP Morgan permission to share my information with XXXX XXXX XXXX on this alleged debt Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Pursuant to 15 USC 1681a ( 2 ) ( 8 ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to JPMorgan Chase Bank, N.A on this alleged debt. 
I am demanding that you remove these alleged transactions from my report immediately as they are violation of my right as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-26 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: MD

Complaint narrative:
I was a victim of identity theft and I notified the company involved. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.

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 2020-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I was a victim of identity theft and I notified the company involved. Jefferson Capital SystemsI asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Hello, I would like to submit a complaint regarding an irresponsible ( and possibly illegal ) process by which Chase Bank recently issued its Sapphire Preferred customers new " touch-less '' credit cards. 

In my case, and I have to assume in the case ( s ) of others, these new cards were mailed -- and, more importantly, activated -- prior to customers verifying that they had actually received them. A vendors attempted to charge my card using an incorrect expiration date and security code, neither of which I could have possibly updated ( or even known needed to be updated ) given that I did not yet possess the new card in hand. The denied charge resulted in a terminated subscription. 

Chase did notify customers that new cards were being issued via e-mail, but 1 ) without any explanation as to why ( the e-mail did not mention that they were being issued because of new technology ), and 2 ) without notifying customers that the cards would have new expiration dates and security codes. 

Denied charges can have serious -- and in some cases -- life-threatening consequences. In my case, the terminated subscription was minor and could be re-activated, but if this card had been linked to my health insurance provider, I could have been at risk for canceled coverage in the middle of a pandemic. If this card had been linked to my utility company, our heat could have been shut off during the middle of winter. If I had been using this card to pay loans, I could be liable for outstanding interest. 

I ask that the CFPB institute and/or enforce penalties for credit card companies which activate cards prior to customers having received them. I also ask that the CFPB hold credit card companies responsible for reimbursing customers for any penalties, fees, interest, or other fiduciary liabilities incurred on customers ' behalf as a result of terminated payment plans or rejected payment attempts. 

Respectfully, A citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I changed my number with XXXX and went from post paid to prepaid two months ago. Ever since then, I have not been able to access my account due not being to move past the verification stage due you my phone number now being prepaid. After two months of not being to see my account, I have had to use the automated system to make payment. I called in to capital one identity department today XX/XX/2020 to request my phone number be changed. The first agent hung up on me so I called back and asked for a supervisor. The agent transferred me to someone named XXXX who claimed to be a manager in the fraud department. After uploading my drivers license to the portal link he sent, XXXX tells me the back office that handles licenses will not be able to verify my ID between XXXX and XXXX EST. I asked was this some kind of joke and he replied and said no theres nothing he can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NY

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TN

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED DO NOT BELONG TO ME AND NEED TO BE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: NV

Complaint narrative:
I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send XXXX letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from XXXX  and when I finally do bad customer services and they end up hanging my call this has happen many time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send Transunion letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from Transunion and when I finally do bad customer services and they end up hanging my call this has happen many time.

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 2020-12-26 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: IL

Complaint narrative:
I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.

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