vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Ive been a member of credit karma since XXXX I tried opening a spending account to switch I received an error stating my identity could not be verified. I called and spoke to several representatives and even a supervisor to no avail. The couldnt even provide me with next steps just kept saying sorry our system cant identify you HOW!!?? when Ive had my account almost 10! Years?? I get daily updates on my credit score. How is that with an unverified indentitt? Hmmmmm??? I was filing thru XXXX XXXX  and tried to verify w them thru credit karma for advance. Still to no avail. No one seems to know what to do or whom to escalate to!! I requested my entire membership be cancelled!!! I may re join of the company makes this right? thinking about attaining an attorney because what the XXXX is credit karma doing with my personal info!??!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: FL

Complaint narrative:
I can not afford to pay back the loan right now my financial situation is not in good standing, and I need the company to stop harassing me on a daily basis unfortunately I am truly struggling with the high expenses of rent living and not receiving any income at all. Also, I was in the hospital for the XXXX XXXX that had me out for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX : I received a call from Chase Fraud Services that notified my Chase Card had been closed incorrectly. The reasoning was that someone called in stating a card came in ( my card ) was opened incorrectly under their account. Chase then disabled my card without confirming my identity or notifying me prior. I was only called to be told they made a mistake and I needed to take actions to reopen my card. The Fraud Team then sent me to the Recovery team where I was asked to send documentation to XXXX. I completed the step by sending over my ID. 

XX/XX/XXXX : At this point, I started recording a few of my calls and called back with questions since I was shocked the previous day. The Fraud Department then transfers me over to the Recovery Team which has not been very helpful. I requested Fraud Department Complaint ID : XXXX and was never updated on how this issue would be fixed or resolved. 

Regarding my card 's reinstatement, I was told I'd get a call back within a few days as a followup and never did. After the new year started, I gave them over a week before I followed up. 

XX/XX/XXXX : I gave another call but did not write down my notes as they told me the process can take 2-3 weeks and to give them a call back by XX/XX/XXXX if there's been no changes. 

XXXX : Before XX/XX/XXXX, I wanted to confirm my request has made some progress but it was still on hold " In Review '' and now it can take 30-60 days. I requested to get added onto the email chain to get my account escalated but was told I am unable to since it's an internal tool. 

XX/XX/XXXX : I recalled and now the review can take up to 90 days .... and no one from the Recovery department can help me contact the person reviewing my case. 

This has been a frustrating process as my account was closed incorrectly and I really want access to my points that were on the card ( XXXX ) .... 

I have attached the recording from XX/XX/XXXX to this report. Thank you to the person who reviews this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was fraudulently charged 4 times on XX/XX/XXXX. The charges were for {$2500.00}, {$500.00}, {$200.00}, and another {$200.00}. I have not lost my debit card or personal belongings, nobody other than me should have access to my account, so this money should never left my account, nor was it me. I made a fraud claim on XX/XX/XXXX because I had noticed the money left my savings account, I didn't receive a single notification of any form notifying me of these withdrawals. After speaking with the most difficult customer service people I could have ever imagined, I was able to make that claim. Over a week later, which I understand due to the holidays, I noticed that my temporary credit for the {$500.00}, {$200.00}, and {$200.00} charges had been reversed. Since Chase had not given me any updates of any sort on my claim, not even an email, I called the impossible customer service department again. In this call I was told that the transaction was made using my card, chip, and pin so they decided this withdrawal must have been me and there is nothing further they can do for me. At this point, I went into my branch the next day and spoke to two staff members, one being the branch manager, and the best they could do was put in a request to reopen the claim for further investigation. Through this whole process the phone customer service has been extremely demeaning and the utmost confusing ( even branch workers agreed with my complaints ), and I have had no avail to this situation other than hoping that the {$2500.00} charge doesn't get reversed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with XXXX, XXXX, and Experian and no resolution. I have disputed this account directly with the creditor, XXXX XXXX and no resolution.

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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
Unknown debt flagged on credit report starting XXXX XXXX XXXX I do not have any knowledge of this debt and have never received any communication regarding what this debt could be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citibank, Subject : Request for Release of Jetski Title - Paid in Full I am writing to express my concern regarding an unresolved issue with the release of my jetski title. On XX/XX/2022, I completed all payments for my jetski, financed through your institution. However, as of today, the title has not been released to me. 

Despite numerous attempts to resolve this issue through customer service calls, there has been no satisfactory progress or resolution. This delay is particularly concerning and unacceptable, considering the jetski is fully paid off and the title release should be a straightforward process. 

The ongoing delay has caused significant inconvenience, and I am seeking your immediate attention to rectify this matter. As a customer who has fulfilled all financial obligations, it is reasonable to expect a prompt and efficient service in return, especially in matters as crucial as title release. 

I kindly request that you expedite the release of my jetski title and provide a clear timeline by when I can expect to receive it. Your prompt and effective resolution in this matter will be highly appreciated. 

Thank you for your attention to this issue. I look forward to a swift response and resolution. 

Sincerely, 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 2024-01-19 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main approved my title loan without inspecting the vehicle. Throughout the life of loan I couldn't pay it back, eventually my car got towed twice finally I gave up and now I still have an open balance and no car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: AR

Complaint narrative:
I have 3 Student loans for XXXX on my student aid account listed as being serviced by XXXXXXXXACS from XXXX that still show me as " In School '' and " Grace period '' I submitted a complaint ( feedback case # XXXX ) on XX/XX/XXXX when I discovered the issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX and do not even remember having ACS or XXXX as a servicer. I can not contact XXXXACS as they no longer exist. I have since discovered XXXX/ACS  mismanaged student loans and was fired/sued by Department of education. If these loans were valid they should have been included in my direct consolidation completed XX/XX/XXXX. They were never listed on my credit report and I was never contacted to make payments on them to my recollection. Furthermore I have 2 more loans from my XXXX XXXX  which were included on my consolidation loan ( XX/XX/XXXX ) however they are listed as 1/2 of each loan was cancelled. I believe the entire loan was cancelled as this was probably the point XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX. I do not think those loans are correct. I do not think my consolidation was done correctly at all and my loans related to XXXX were mismanaged. I have contacted both general student aid hotline, chat, and student aid ombudsmen. They indicated this was being investigated by my current servicer ( XXXX XXXX ) and had no answers except it may take a long time ( so wait ) and they would do nothing as it is an XXXX XXXX problem. I contacted XXXX XXXX also. XXXX XXXX indicates they do not do anything related to consolidations and this is a student aid/Dept of education problem. XXXX XXXX further indicates they are not investigating this issue, all amounts on my account are as the dept of education has directed them. 

see attached " XXXX XXXX XXXX '' for loan numbers, servicers, amounts, dates, statuses, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, XXXX, and TransUnion, by failing to review all relevant information provided by XXXX, XXXX, and Transunion, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, XXXX, and TransUnion. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that XXXX piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by Equifax, XXXX, and XXXX, XXXX failing to review all relevant information provided by Equifax, XXXX, and XXXX, XXXX respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXX 's assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, Equifax, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that XXXX piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, Experian, and XXXX, by failing to review all relevant information provided by XXXX, Experian, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXX 's assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with Experian, XXXX, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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