vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
ON XX/XX/XXXX Chase bank overcharged my credit card I paid twice XXXX for using service one time I continuously keep having problems with this bank I been scammed and they didnt take action my accounts been compromised no action I received a call from chase bank at XXXX last night they woke me out my sleep to ask me questions I cant even remember so now Ive been charged twice for same transaction XXXX is a company I used to reserve rental I rented with XXXX XXXX XXXX on XX/XX/XXXX and they calll me on XX/XX/XXXX I feel like Im being Frauded by bank and I need action taken not protecting my credit or money XXXX XXXX XXXXXXXX their policy is to protect our money and identity and they havent lived up to agreement I signed with chase I would like them to be fined and I would like to RECEIVE COMPENSATION FOR THE HARD TIMES IM ENDURING. Currently have XXXX IN LOWER BACK THAT CAN RESULT IN DEATH I HAVE XXXX DIAGNOSED AND I TAKE MEDICATION SO ALL THIS IS MAKING MATTERS WORSE I LIVE IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a payment to a friend using Paypal, payment should have been received by XX/XX/XXXX, it was not. As of XX/XX/XXXX payment had still not been received so I called Paypal to cancel the transaction, they refused and said a supervisor would call me back, they did not. I filed an online dispute with Paypal quoted below : " I spoke with an agent today who assured me her supervisor would call me within an hour. THEY DID NOT.I was also told that I sent the payment as " Goods and Services '' so you charged me a 5 % fee which is outrageous. 
I would never have used your service if I knew of the 5 % fee in advance and I wouldn't know how to send payment as Goods and Services so I would contest that. 
The payment was between two friends and not a business transaction. I have contacted XXXX XXXX to intervene and I would like to CANCEL THIS TRANSACTION. My friend has NOT received the money 8 days after the transaction and I already sent you a screenshot from Paypal showing that payment to her is delayed to XXXX XXXX 19 days after the original transaction. If this is not transaction is not cancelled I will be filing a formal complaint with all California and Government Agencies that I can think of and telling my story on Social Media. This is not acceptable business practice. Sincerely XXXX XXXX '' I have not received Any response from Paypal except the following '' Case status : Under review. We're reviewing this case and will get back to you by XX/XX/2023 at XXXX XXXX  PDT. As we review this case, you may submit any additional information that you have. '' Are they kidding, it takes 3 months to review or resolve a case concerning {$650.00}. 
This is completely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2023, at XXXX I was at a chase atm and I deposited XXXX cash in all XXXX in my account. I also have a video of me at XXXX of me at the atm with the money prior to the incident. The machine took my money, and proceeded to load slow, it kept making noise as if it had trouble counting it, after about 7 minutes the machine printed out a receipt saying call a XXXX to be sure that my deposit went through. So I called Chase and told them everything that happen and they filed a claim. They kept telling me that they didnt see a deposit of XXXX pending. They told me a credit of the full amount would post to my account during the 10 day investigation, they keep reassuring me that everything was going to be okay. 
On XX/XX/2023, XXXX, I called chase customer service line again and spoke to a representative about my claim. I again explained the atm situation again, and ask for an expedited credit to my account. I needed to pay my rent which is due before the XXXX and any day after will result in a late free which Im trying to avoid. So I pleaded for the credit and the Rep said that she will send the request to the back office for approval for the expedited credit of XXXX that I lost to their atm. I waited on the phone for about 13 minutes for approval, and the rep came back and said the back office denied the expedited credit and I would hath to wait the 10 days. At that point I asked for a supervisor, the representative told me that the supervisor would tell me that same thing, I told her to please transfer me. The supervisor got on the phone, and she explained to me that because on their end they only see me inserting my card and putting in my PIN number but they dont a deposit, so I asked her did you guys check the camera, and she said I would hath to get a subpoena. At this point I could tell that the supervisor was getting aggravated so I started Crying because Im the one who lost my money trusting their atm, and shes giving me attitude, then she says she would never deposit that much money in a atm she wouldve went inside the bank, and then asked for her superior to speak to, and she told me to have a good day, and hang up on me. At that point Im still out of XXXX so I went to the bank branch at XXXX and spoke to the branch manager about the whole situation, he was kind and reassured me that he was going to file a complaint against the supervisor but he couldnt help me the XXXX that I lost, he said I would have to wait the 10 days. At the point I freaked out because I dont want to get evicted from my apartment because 10 days is way past the 5 day deadline for rent. I simply trying to deposit the cash in my account to pay my rent. They wont even credit my account so I could pay it for the time being not even hath. Im so sad and depress. I have never experienced anything like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Hi, I opened my checking account at XXXX XXXX branch with XXXX XXXX XXXX in XX/XX/2023, now im trying to access to my online banking and the system said that my accout is " on hold '', call customer service. 
I called customer service and they dindt help, I was requested to go to a branch, something is impossible because Im in XXXX right now. 
Also I never get my debit card and pin on my mailling address which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
They didn't give me a full refund after my cars got pay off with the company, such as extra things I had to get when I got the loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Problem using the XXXX connected to my Chase account. Say that there was a problem in XX/XX/2023 and the ONLY solution is to use a new email address and create a completely new Chase profile. 

I have had no fraud or other issues with my accounts. Have spent hours with high-level customer support and they have said the same things as a solution. BUT will not tell me what the issue is that caused the problem in the first place. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: KS

Complaint narrative:
On XX/XX/XXXX I printed my free credit reported and noticed several fraudulent accounts opened and reporting information that I did not sign up for. I immediately reported the fraud to XXXX XXXX and created a report. The theme with the fraudulent accounts is they were all opened online during the pandemic. 

Listed below are fraudulent accounts and inquiries. 

1. XXXX  XXXX - {$730.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX. XXXX XXXX Bank - {$480.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX - {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 4. Upstart/Finwise - {$2200.00} Opened XX/XX/XXXX Closed XX/XX/XXXX 5. XXXX XXXX Texas- {$1500.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Hard Inquiries : 1. XXXX XXXX XXXX Inquired XX/XX/XXXX 2. XXXX XXXX XXXX Inquired XXXX, XXXX 3. XXXX XXXX XX/XX/XXXX 2021

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 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I live on my social security benefit payment and I can not continue to make the monthly payments with the exorbitant interest rate of 30.74 % on my XXXX XXXX account with Synchrony Bank. I currently have {$49.00} per month automatically withdrawn from my account and the monthly interest is {$36.00} so I will never be able to pay off the balance of {$1300.00}. I have been paying this amount for many many years so the credit card company has made an incredible amount of money from my inability to lower the principal balance. This feels like financial elder abuse and I need help. 

On XX/XX/2023 I called the credit card company to ask if they would lower my interest rate so that more of my principle would go towards paying off the balance and they said they are unable to lower my rate. 30 % interest is ripping off the elderly. 

I told the credit card company that my only option was to stop making payments completely and have the account go into default, but I do not want to ruin my credit. I need an option to make interest free payments. These big banks are committing elder abuse. I need help since they are unwilling to allow me to continue to pay off my balance interest free.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA

Complaint narrative:
Hi, I opened my account on XX/XX/2023 at XXXX XXXX XXXX branch with XXXX XXXX, I tried to enroll in online banking a couple of days ago and the application was declined without any information. 
I contact the banker to fix this and I was refered to customer service, which are never available to pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified XXXX, Equifax, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I requested a redemption of my share certificates from the PenFed Credit Union on Thursday XX/XX/XXXX. The next day, only 20 % of the money was deposited into my savings account. The other 80 % was reinvested into other CDs without my knowledge or authorization. 

After this frustrating error was solved on XX/XX/XXXX, I tried to link my savings account to wire funds to my XXXX money market account on XX/XX/XXXX. 

On XX/XX/XXXX, I was told by two security specialists ( after a series of several detailed questions regarding identity and double verification phone calls ) that the money would be wired immediately and the wire fee would be waived. 

Later on XX/XX/XXXX, while checking on the wire transfer, I tried to open my PenFed app and discovered that I was blocked from my own account. 

I spent 8 hours on XX/XX/XXXX talking tp several representatives who connected me to fraud specialists, security team members- and was asked to send SEVERAL documents verifying my identity to no avail!! I have sent the following 1. Drivers license 2. Selfie with my drivers license 3. Social security card For address verification, I sent.

4. IRS statements, benefits starrments from my job, XXXX XXXX bills and even a drivinf violation addressed to me with my mailing address on file 5. My aunts drivers license with the mailing address on file 6. My aunts car registration with the address on file 7. My aunts utilities bill with the address on file I live part of the year in XXXX so my US mailing address is at my aunts house. I was never told this would be a problem when I opened my savings account and CDs. In fact, that process took a total of 5 minutes. 

These are my hard-earned life savings. I WANT MY MONEY BACK.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : 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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : GENESIS CREDIT Original Credit : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: TX

Complaint narrative:
They would not allow me to submit fraudulent information online and wait times on phone are over 30min

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my account and there is unauthorized inquires. I don't recognize the inquires. 

XXXX. ) XXXX XXXX - XXXX # XXXX XXXX. ) XXXX XXXX XXXX S- XXXX # XXXX XXXX. ) XXXX XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Premier- 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