vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I have made a purchase from XXXX using my american express card. The item never arrived. There is a bogus signature from XXXX as proof that it arrived but it's not my signature, my name is spelled incorrectly. XXXX claimed there is a scan of my ID, but that's impossible because I did not receive the order and therefor never saw the driver and never gave my ID. I did not receive this item and American Express did not follow up with me as to why my claim was denied. I would like a re-investigation into this matter. If there is a scan of my ID, please show it to me because as of now the only thing shown to me was a XXXX XXXX with my name misspelled. I have also submitted to AMEX my response to XXXX claims and described how I did not receive the order. This is completely unfair and it puts me in a very awkward situation because now I don't trust my card moving forward. Please resolve this issue. I did not sign for this package, I did not receive it, and my ID could not have been scanned. The charge Date is XXXX XXXX, amound is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX sent a debt to collections that I do not owe. National Credit Services attempted to collect and posted it to my credit report and is now being unresponsive when trying to get the posting reversed. I have filed a dispute with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Had XXXX XXXX XXXX XXXX XXXX XXXX for many years and in XXXX changed creditor to XXXX. In XX/XX/XXXX, after about a month after XXXX had account a late charge from XX/XX/XXXX. I have perfect payment history and had no late payments showing until a year later. This was brought to my attention through credit monitoring due to dropping my credit score about XXXX points. Immediately I reached out to XXXX to only have associates disconnect calls. After starting a dispute through Experian I reached back out to XXXX and after transferring my call back stateside I finally submitted a dispute but was advised 45 day turn around. This seems unacceptable that they have tarnished my credit without any reasonable cause and will not correct timely. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. 

Inaccurate Accounts : All dates are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : My information was shared with these companies without my permission or consent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY ALSO VIOLATED my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer 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 explanation
Consumer complaint received 2022-12-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, JPMC is reporting/furnishing incorrect dates, amounts, negative items and false payment history to my credit report based on the insufficient investigation results. This intentional XXXX  discrepancy need to regulated and removed. 
- The charge off dates are years apart and incorrect - Status update dates are years apart and incorrect - The payment history are years apart and incorrect Based on the before/after results the following issues got worst : BEFORE COMPLAINT RESULT Account name : JPMCB CARD Account number : 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 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 XXXX XXXX XXXX XXXX JPMCB 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: WA

Complaint narrative:
I entered a verbal agreement to exchange currency with a person over XXXX. He agreed to send me {$27000.00} first, then I would send equivalent amount in XXXX to a XXXX a/c designated by him. On XX/XX/2022, he sent me an image of wiring ( the exact subject transaction ). On XX/XX/2022, the subject wiring was settled and that amount became fully available in my account, and then I followed thru by wiring XXXX  XXXX to the account designated by him. After learning that the subject transfer was a suspected fraud from Key Bank on XX/XX/2022, I filed a police report with XXXX XXXX. I also reached out to the XXXX bank that I wired XXXX  from, and asked them to recall my wire, but they told me it was too late to recall that wire transaction. At this point, I stand to lose all of the {$27000.00} if you return the money to the sender and I would become a victim of either fraud or misoperations of banks. 
I have tried many times since my account was blocked, reaching out to KeyBank customer service, fraud department and the XXXX branch where my account was opened. Despite so many different phone calls, no one in Key Bank had ever told me that there was fraud on this incoming wire or asked me about it. This transaction is part of an agreed currency exchange of XXXX currency and USD with this person. And I already wired the XXXX  amount equivalent to {$27000.00} to the person as per the agreement, after I saw this income wire of {$27000.00} was settled on XX/XX/2022. If you return this wire, I would lose all of {$27000.00}. I opened a police case on this potental loss with XXXX Police in WA. The case # is XXXX. I now urge your bank to honor the settlement of this wire transfer and unblock my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo XX/XX/2022 {$1500.00} My family stayed at a condo in XXXX XXXX, SC for a vacation. None of the facilities, elevator in the house, or heating worked. There were exposed wires in the ceiling where the ceiling fans should have been. We contacted the resort and they refused to give us anything back. 

I disputed the charge through my bank, Wells Fargo. After providing my information and my conversations with the resort, they closed the dispute and did not give me the money back. They did not provide any support or documentation about the dispute. They have also locked me out of viewing any of that information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TX

Complaint narrative:
I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXXXXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXXXXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am an old man using computers since inception ..... 

NEVER had a problem I couldnt work through. 

AMEX Bluebird has SERIOUS problems with their systems which make it VERY difficult to get access to statements online!!!!! 

I DEMAND ACCESS TO MY STATEMENTS, forget your password their system wont allow you to RESET!!! 

SERIOUS problems with their system!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have identified inaccurate information on my TransUnion report that is a result of identity theft. These items are not related to any transactions completed by me : XXXXXXXX XXXX XXXX # XXXX {$20000.00} ; XXXX XXXX  # XXXX {$10000.00} ; XXXX XXXXXXXX XXXX # XXXX {$7400.00} ; and US DEPT OF ED/XXXX  # XXXX {$160000.00} I am requesting these items be permanently blocked and deleted. My request to block and delete these items are not made in error ; nor being made on the basis of a material misrepresentation of fact. TransUnion is required by law ( 15 U.S.C. 1681c-2 Block of information resulting from identity theft ) shall block the reporting of any information in the report and file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than 4 business days after receipt of such agency of -- 1-appropriate proof of the identity of consumer ; 2- a copy of the identity theft report ; 3- the identification of such information by the consumer ; and 4- a statement by the consumer that the information is not relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: TX

Complaint narrative:
I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, TX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX, TX. 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 my account was charged through a company called XXXX and I did not give them permission to they had went through my paypal account to then charge my bank account which is connected to XXXX. My account then went overdrawn that day and I went in the negative - {$17.00} after just fixing my account positive XX/XX/XXXX. I did not know this company did this to my account until I relooked over my account on my cellphone Fifth Third Banking App, once I noticed I contacted the bank which was on XX/XX/2022 and they stated they would not charge my account more than two overdraft fee. Then I wound up with three charges of overdraft fees to my account. I then went to a Fifth Third Bank Branch to discuss further because the Customer Service on Phone nor Online could help with furthering my issue of being fraud and hacked by the XXXX company which I had contacted myself to get this resolved and my money back that they had stolen out of my bank through XXXX. I then was told that my MyAdvance that I had was taken from me because I was negative for more than 15days, but I was negative for only 7 days before I had the company return my money to my bank which at that time I had only been charged 2 overdraft fees a {$25.00} and a {$37.00}. I went back into the Branch to get my myadvance turned back on XX/XX/2022 then I was told thered be a request to get my myadvance back but it wasnt positive I would be able to get it back. I then spoke to XXXX XXXX over the phone and she told me that I would be contacted about what could be done then, so after being told that I was finally contacted again on XX/XX/2022 and was told I would have to open a brand new Checking account with them ordinary to claim this as a fraud and hacking done to my first checking account. After creating my new checking account XXXX XXXX said shed call me back once she heard something about my myadvance being turned back on and given me my full limit I had had before, here it is now XX/XX/2022 and I still have not received a call back from her. Today I called XX/XX/2022 and asked to speak to her and they tell me that she wont be available until Friday XX/XX/2022, then was told that my message could be relayed to the Manager, I asked to speak to the Manager but was told she was busy with another customer at the time and that I would have to wait to be called back from the Manager about this. I expressed I can not wait any longer seeing as I have bills I wanted to pay with my myadvance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 and XX/XX/2022, applications for credit cards were put in under my name and social security number for comentiy bank/sony visa XXXX and the application was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal Credit Union Credit card issued fraudulently under my name approximately XXXXXXXX XXXX with a opening balance of {$23000.00}, I first noticed this account in XXXX of same year in my XXXX XXXX Acct,. I called the Navy Federal Credit Union XXXX ( spoke with a rep XXXX and gave me a confirmation # XXXX ) at which time they said they would lock down the acct. and start a fraud investigation. Till this time I still have not heard back on any results as of this date XXXX XXXX. I call twice since XXXX and XX/XX/XXXX couldn't get me thru to fraud div or systems were down, In XXXX i gave both my e-mail and phone # but have yet to receive a response. I believe i gave them plenty of time to resolve issue. Further more I'm not a veteran though my father was a XXXX Vet he passed in XXXX and did not belong. I would appreciate your help in resolving this matter. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: MD

Complaint narrative:
I have been charged outrageous fees from this company although I am XXXX XXXX military. They dont actually give the full amount of their loans but add it to an extended fee and pay it off leaving you on the hook for thousands. It is a disguised lower interest rate but they tack on thousands over time putting consumers in debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation