vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Hi there! 

Timeline : XX/XX/XXXX : A cheque for {$1200.00} was deposited into an Associated Bank account ( number XXXX ). 

XX/XX/XXXX : There was an issue with the cheque, and the account was closed. The amount for the cheque was withdrawn from my account via security case XXXX. Please see image 1, rejected cheque. 

In the meantime, representatives for Associated Bank assured me that the money would be returned to the original account. After verifying with the cheque 's maker, it was not returned. 

XX/XX/XXXX : Initial outreach email to resolve the issue. Please see exhibit 2, Associated Bank Email. 

XX/XX/XXXX : XXXX, the representative from Associated Bank, was initially helpful, and noted that they had reached out to XXXXXXXX XXXX XXXX  to return the cheque. 

XX/XX/XXXX/ XX/XX/XXXX : Multiple attempts to reach XXXX failed, as the maker noted the cheque was not returned. 

XX/XX/XXXX : XXXX XXXXXXXX XXXX noted that they did not receive any funds from Associated Bank based on the rejected cheque. Please see exhibit 3, XXXX XXXXXXXX XXXX Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Kay Jewelers have been falsely reporting that I owe them approximately {$4600.00}, since XX/XX/2023. I provided my personal receipts, and the receipts that the then manger gave me, from my payment history inside the store at the XXXX XXXX located in XXXX, FL. 
Additionally, Kay Jewelers have not properly credited all my payments from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card. Nor was my over the phone payments to Kay Jewelers properly documented to my Kay Jewelers account, especially when Kay Jewelers credit card was initially rejected by Kay Jewelers inside the store for me to use to make a purchase several times. So, I used XXXX of the above mentioned cards to secure my purchase of jewelry items I wanted. Kay Jewelers also relocated the then XXXX XXXX manager outside the Florida to another state, after he verified with Kay Jewelers and Comenity bank, now taken over by Community that I had paid off all my purchases on the Kay Jewelers credit card with my bank statements. 
Since XXXX of 2023, Kay Jewelers have destroyed my credit rating, flagged my account, and used their influence to negatively effect my payment history with XXXX XXXX  as well to include XXXXXXXX XXXX  closing my XXXX XXXX XXXX XXXX XXXX XXXX so I have no other option but to use Kay Jewelers card for my purchases. I have had to put my house hunt on hold, as well as launching my business ; due to

Kay Jewelers falsely reporting Lies on my credit repot and history. kay Jewelers has also violated my civil rights by falsely reportin
g my credit report and causing me to overpay for items I have already paid for, and forcing me to pay interest and late fees on purchases already paid in full which took my credit rating from XXXX down to current rate of XXXX, based on their LIE. Kay Jewelers have violated my 1st, 4th, and 6th Amendment rights by continuing to report this LIE, making daily, relentless, and harassing phone calls to me, my friends, and family members, and discussing my financial information with people without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have received emails and phone calls regarding unauthorized accounts. XXXX contacted me for a payment on an account I have never opened. I processed a claim with them, and they investigated and saw that my identity has been used. I check my credit report after that and noticed some inquires that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have some specific questions and was told on a phone call to the CFPB to get them answered : ( 1 ) Why wasn't the dispute closed when I received the {$2800.00} back from United Airlines and asked that it be closed?

( 2 ) Has anyone at Chase looked at my spreadsheet evidence and realized that the charges added up to {$2800.00} and that I was refunded {$2800.00}? 
( XXXX ) Has anyone at Chase looked at the {$2800.00} that was transferred back to my checking account on ( XXXX ) Dies anyone at Chase know why there was a - {$1400.00} credit listed on my XX/XX/XXXX statement that simply disappeared and was never carried over to the next month? 
( XXXX ) Does anyone at Chase know where the {$2800.00} came from that was sent back to my checking account on XX/XX/XXXX ( shown on the XXXX statement )? 
( XXXX ) Has anyone outside the disputes department at Chase ( which appears to me to have stolen {$1400.00} ) reviewed this case? 
Thank you for your upcioming answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax regarding their online credit freeze system. I recently tried to temporarily lift a credit freeze that I had previously placed on my Equifax credit report through their website. However, when I attempted to use their online system for unfreezing my credit report, I encountered technical issues that prevented me from being able to unfreeze my credit. 

Specifically, after logging into my Equifax account and requesting a temporary lift of my credit freeze, I received an error message stating that the system was unable to process my request. I made several attempts over multiple days to use the online system to lift the freeze, but continued to get the same error each time. 

This has been extremely inconvenient and frustrating, as I need to unfreeze my credit report in order to apply for a credit card that I am in the process of obtaining. With the online system not working properly, it requires me to go through the hassle of contacting Equifax by phone and submitting documents by mail in order to get my credit report unfrozen. This delays the process significantly. 

My understanding is that credit reporting agencies are required to provide consumers with an easy online method for temporarily lifting credit freezes. The fact that Equifax 's online system has not been functioning properly seems to violate this requirement. Consumers should not be forced to go through a cumbersome manual process when the law mandates a simple electronic method be provided. 

In summary, I ask that the CFPB look into this issue with Equifax 's online credit freeze system not working as it should. Steps need to be taken to ensure Equifax comes into compliance with the legal requirements around online credit freeze management for consumers. Please let me know if any additional information is needed regarding my experience. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I have received a copy of my credit file and have requested a challenge over some months now and have provided the proper documentation to Equifax, but they have ignored me. I am a true victim of ID theft ; someone has tried to get employment under my name, and someone has tried to get apartments under my name. I have filed with the FTC and have filed my affidavit and provided the documents to the proper authorities. I have notified Social Security, and the proper authorities regarding this matter. I feel that I have been violated by not having a proper investigation. So, I have done my part according to law the XXXX isn't doing their part as far as defaming my name by just debt parking an item on my credit file without the name of the company and me not knowing what this is. SO, I would appreciate it if it was removed immediately before legal gets involved this is my final warning to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
I was alerted of a change to my credit report I found a collection account had been added by Jefferson capital system. I have never heard of or been contacted by this company and I do not now or have I ever had any accounts with XXXX I did not receive notification of this debit nor was I given the opportunity to dispute it before it was posted to my credit report. They have violated my rights under the terms of the fair credit act and should be reported to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: LEXISNEXIS
State: KY

Complaint narrative:
On XX/XX/2022 Lexisnexis froze my account and was advised that I did not authorize them to access my public records. They sent me a letter that I attached to this complaint letting me know that they will no longer access my public records XXXX XXXX is the Case Number for that. Now Lexisnexis has illegally obtained my public records and sold them to Three credit bureaus. I asked Lexisnexis to delete the bankruptcy and any other adverse accounts from my credit report due to my being a victim of XXXX XXXX. Lexisnexis has not done so but instead sent me a new case number as if they were just now notified about my request for my account to be frozen. I ask that they remove all items from my credit report that is not authorized. As well as honor my original request for case number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc.
State: CA

Complaint narrative:
I noticed charges on my debit cards. I contacted the bank, cancelled my cards, and filed disputes. One bank refunded the fraudulent charges, the second bank refused. 

I have filed a complaint against the second bank XXXX. 

AfterPay said I wasnt responsible for the fraudulent debt, but the refuse to refund my debit card. 

AfterPay has no safeguards in place to protect consumers. I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2018 I received notification of fraud activity on the credit card i had with Barclays Bank Delaware. The credit card was promptly shut down by bank and investigation was opened into fraud activities detected. 
Ever since then I received no correspondence from the Credit card. It is until I ran my credit report that I noticed that its being reported as a charge off. 
I've made an attempt to clear this from my credit credit report. I have filed dispute with credit agencies about inaccuracy of report and classification of activity while i have received no response from the credit card itself to remedy this huge problem its inaccurate reporting caused.

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 2024-02-12 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:
THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NC

Complaint narrative:
THE ACCOUNTS WERE TO BE DELETED OR REMOVED DUE TO THE FRUAD USED TO OPEN. WHY HAS IT REMAINED IN A CLOSED FILE YET STILL REFLECTING UNDER MY REPORT TOTALLY NOT GOOD 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Misleading advertisements

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 2024-02-12 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: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
THE LETTER RECEIVED FROM XXXXXXXX XXXX XXXX, XXXX MAKES NO SENSE. THEY CLAIM THAT THEY HAVE NOTHING TO DO WITH THE REPORTING OF CREDIT BUT, THEY ARE IN THE BUSINESS OF BUYING CONSUMER DEBT AND REPORTING TO THE BUREAUS ONCE PAYMENT SETTLEMENTS ARE MADE??? MAKE IT MAKE SENSE TO ME??? ATTACHED SHOWS THAT THEY HAVE THE ABILITY TO REPORT TO A CREDIT BUREAU AS A NATIONAL COMPANY THAT IS ABLE TO HAVE CONSUMERS PAY TO DELETE CREDIT FILES. 

THE LOAN AGREEMENT SHOWS XXXX XXXX BANK AS THE LENDER AND AXCESS FINANCIAL SERVICES, INC AS THE SERVICER FOR THE ACCOUNT WHICH PLACES BOTH COMPANIES AS POTENTIAL LITIGANTS IF I DECIDE TO PURSUE OTHER LEGAL ACTIVITIES I.E. SECURITIES FRAUD WHICH I'M CURRENTLY GETTING A FORENSIC SECURITIZATION AUDIT REPORT FOR THIS SECURITY AGREEMENT THAT WAS FUNDED ON MY BEHALF. 
GOVERN YOURSELFS ACCORDINGLY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: NJ

Complaint narrative:
I was the sole caregiver for my mother for a number of years before her recent passing. I am also the power of attorney. I took care of all of her personal business including paying her utility bills. In XX/XX/2023, she had to be admitted to a XXXX XXXX and XXXX XXXX, where she passed in XX/XX/2023. In XXXX, I had the utilities disconnected at her apartment and out of her name. She was not able to return to her home. One was the XXXXXXXX XXXX bill. I knew there would be a refund coming. The cable company did send the refund in the form of a debit card for {$160.00} that could only be used for purchasing store items. The card was in her name. There was also an option to receive a paper check. On XX/XX/2023, I contacted the company ( Prepaid Digital Solutions ) that issued the card for the cable company. I explained that my mother had passed. I told them that I was her son and XXXX. They requested that I send a copy of the death certificate and POA papers. I did so on XXXX XXXX. Prepaid Digital Solutions said that the paper check would be sent in my name and to my mailing address. I have not received the check or any further information from them. I should be getting the refund, but instead getting the run around with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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:
I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by TransUnion, XXXX, XXXX inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, TransUnion, XXXX XXXX XXXX are non-affiliate third parties, which shows violation. 
I am opting out of the XXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.

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 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Our Mortgage originated with XXXX XXXX. We had made additional payments to be applied to principal over the last several years. XXXX XXXX sold the mortgage to Mr. Cooper in XX/XX/XXXX. In XXXX Mr. Cooper sent us a letter stating that the mortgage was paid ahead to XX/XX/XXXX and did we want to pay it ahead or have those monies applied to principal. With that I called them immediately, ( Case Reference number XXXX ), and requested they apply all additional payments that were made to principal, that was on or about XX/XX/XXXX. I was told I'd hear from them within a week. After a week or more I followed up with them and was told my request was declined. I asked to speak to a supervisor on XX/XX/XXXX and spoke to a XXXX on the escalation team. She assured me this would be resolved and they'd get back to me within 3 business days. They haven't responded and now I'm being pushed from one person to the next without any resolution to the problem and no assurance that it would be corrected. Clearly, we never intended to pay the mortgage ahead, we always wanted those extra monies applied to the principal. Mr. Cooper sent us a letter in writing asking us if we wanted those payments applied to principal and we responded that we did, now they won't honor our demands to correct the mis-application of those payments, charging us XXXX XXXX XXXX XXXX XXXX in additional interest.

Company response to consumer: Closed with explanation