vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is a follow-on complaint to the complaint I filed last month that was closed ( XXXX ). 

Experian manually placed the freeze on my account as I requested, but I still can not access their online system with my name and SSN - or through their phone/bot system. ( Should I want to remove the freeze temporarily to access my credit report or request credit for legitimate purposes, I have no way of doing so ). The error messages I received in XXXX are the same error messages I received today. ( See attachments ) I received a notification today from a bank saying they could not move forward with my request for a credit card -- -this was fraudulent activity -- - I have not applied for a credit card. While I appreciate that the freeze worked to prevent the fraud, I need Experian to make their online system accessible to me.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
First let me say I have tried several times to work with the bank about my account and they will not help me. My purse and phone was stolen and someone stole the money from my account I have emails showing where someone from another state logged into my account from a different device and I sent my bank the emails the bank also sends me text messages along if I am the one trying to use my card and I reply no and they still will not help me. I have XXXX  XXXX and XXXX XXXX and have lost my home because of this and having to sleep in a tent and I'm getting very sick. Please someone help me. This complaint is with Chime bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: DE

Complaint narrative:
Experian stated in their XX/XX/XXXX  letter of Response to my CFPB COMPLAINT # XXXX AGAINST XXXX XXXX XXXX that after their investigation, as of the above Date, it was no longer on my Credit Report. 
It is currently still showing on 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The debt collector failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). During the time of service, the apartment was flooded out and I was not living in the apartment due to a natural disaster. I do not owe this balance.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to c
omply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
Please provide to me a copy of my written consent that I authorized the inquiries listed below and for the furnishment of an account in my Experian credit report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 If you are unable to provide me with written documentation that I authorized the furnishment of this information on my credit report, please delete these accounts and inquiries, 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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Tuesday, XX/XX/2023, I received an email from XXXX XXXX Transaction Trust Account informing me that my appeal on the previous denial of purchase protection of a lost item, claim # XXXX was denied. The reason they provided was that " facts regarding the exact location of loss at the venue are unknown, '' and don't meet their definition of lost : " Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item 's location is known but recovery is impractical to complete. '' There reasoning makes no sense as the items location is known, the venue I attended, and recovery is impractical as it required searching through all the venue 's garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
This card was closed in XX/XX/XXXX when I the Consumer Account resulted in identity theft after my online account was hacked into by the XXXX XXXX XXXX. 
All information was reported to XXXX XXXX, XXXX, XXXX, Identitytheft.gov, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX, XXXX XXXX, CT XXXX and XXXX XXXX Agent : XXXX phone # ( XXXX ) XXXX case # XXXX Whereforth, the identity theft criminal was identified ; affidavit submitted to XXXX Attorneys in XX/XX/XXXX by USPS Priority Mail and XX/XX/XXXX by Certified Registered/Certified USPS Returned Receipt Post Card Mail that included : Affidavit and Witness Statement and Identitytheft.gov online reporting of XXXX Credit Card Identity Fraud . 
In addition to verbal and written correspondences dated ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Telephone Confirmation with XXXX XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX USPS confirmation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
So I was having struggling to make payments as usually winter months I don't make as much due to my profession. I informed Upgrade regarding this and asked for some help or deferment of some kind. They informed me that there was but just to do it online which I did. I set up it up back in Late December I believe for both credit lines. I always had auto pay set up so I didn't think there would be a problem with that. 2 months ago by and I get a call from upgrade saying no payments have been made. I was unaware of this and found out through the rep that auto pay was not turned on during deferment I needed to make a payment manually. Also I was not notified I was late or calls made to me at all After this they sent me email about settling both accounts. Gave me different options and had a deadlineby XX/XX/XXXX to answer. I call about week ago from today ( XX/XX/21 ) and ask about this and if I can talk about a lower settlement at least with 12 months payments. A lady then a manager who is a younger guy both proceed to tell me that I do NOT qualify for settlement just yet. One account needs to full go into charge off at 120 days late and another needs to go 90 days late. Making my credit even worse, So not only because auto pay was not set up making me miss payments and was not notified I was missing payments or calls NOTHING, but settlement offers I'm getting I don't qualify and need to wait longer to settle. Deadline is XX/XX/XXXX for them. Essentially I have to wait til XX/XX/XXXX to do something on both accounts. I also got another email after this call with another settlement offer. 

I did not want to do this but I am not happy about this process and would like a better and immediate resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I contacted Chase Visa United Explorer credit card customer service on XX/XX/2022 to close my account. I did this ( as confirmed by Chase in the attached letter ), but the request was not processed due to unnamed " technical reasons ''. 


I accumulated several unauthorized charges because Chase did not close my account as promised. These were mostly subscriptions that I intended to lapse. Chase is responsible for these charges, as even their customer representatives will acknowledge to me. I have spent many hours on multiple occasions trying to resolve this since my initial call, all for a lousy {$220.00}. 

How many others has this company treated this way? I'm sure they will consider paying up adequate to resolve this. I think their business practices need scrutiny. My time is not cheap either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to file a complaint against Goldman Sachs for its lack of response to my dispute regarding errors on my Apple credit card account. On XX/XX/, I sent a letter to Goldman Sachs disputing errors on my credit report, including discrepancies and incorrect information on my account. My letter also requested a correction to my XXXX and XXXX consumer report. 

As the furnisher of the information, Goldman Sachs is responsible for providing accurate information about my account to the credit reporting agencies. However, despite my attempt to bring the inaccuracies to their attention, Goldman Sachs failed to respond to my dispute letter within the 30-day time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
In or around XXXX, I was sued for a debt originating with XXXX XXXX for approximately {$8300.00}. I did not know that I could dispute the debt and started making payments. XX/XX/XXXX I stopped payments to try to resolve with original creditor. No further communication from debt collector, Gamache & Myers. On XX/XX/XXXX, my employer received a garnishment for this debt. 

XXXX ) I have zero record of XXXX XXXX trying to collect on this debt before it was sold to a collector. 

XXXX ) Debt is for defunct XXXX XXXX XXXX XXXX XXXX for profit college that closed in XXXX. I have no way of knowing what this debt is for even though all other monies for tuition have been paid. 

XXXX ) I have asked for debt verification and information regarding what the debt is, etc. from Gamache & Myers via phone and email without response. 

XXXX ) In XXXX, there was a class action settlement against XXXX XXXX XXXX parent company and I believe this debt was sold specifically for the purpose of avoiding settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CBC Companies, Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX 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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I bought >6k worth of furniture from XXXX XXXX XXXX. I opened a line of credit with the company at the point of sale. Apparently XXXX XXXX XXXX uses td credit card services. I have had ongoing issues with paying my bill since I got the first statement in XXXX or XXXX. 
Anyways, a late fee was waved in XX/XX/XXXX because of issues not related to anything I'd done. I paid regularly until XXXX, when I stopped receiving statements. Today ( XX/XX/XXXX ), I called and after being disconnected on and off for 10 minutes, I informed the customer service representative that I haven't received a bill in 2 months, and I don't want to be charged late fees for a bill I haven't received. I told her I WANT TO PAY, just wave the late fees. She investigated the case and discovered that my bill had been marked " return to sender ''. I never wrote that. I'd never received the correspondence. Anyway, she told me the late fees of about XXXX dollars wouldn't be waived, as I'd already had a waived late fee in XX/XX/XXXX. 

I asked to speak with a supervisor about the issue i.e. why am i being penalized for a mistake on the part of td card services or usps? Whatever the issue was had nothing to do with me, so my account should reflect no penalties. The customer service representative became upset and made it seem like my frustration was personally targeted at her, despite numerous statements indicating that I see her as nothing but a cog in a corrupt machine. She is powerless. Please let me speak to a supervisor. Instead, she told me explicitly that the call was being recorded. I said : let me speak to the XXXX that pay you. She screamed something and put me on hold, then hung up.on me. 

I told them when I was informed about being recorded that they should record me saying I'll be contacting the cfpb about td credit card services. I went ahead and paid the allegedly owed balance, hoping that your agency would help me get justice from these capitalist criminal extortionists. I paid, I believe, XXXX dollars or thereabouts. XXXX is late fees. Please help me get justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of 2021. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wellsfargo financed my 2019 XXXX XXXX car. During the purchase, I was asked if I wanted gap and I said no. After I signed all the paperwork and purchased the car, I received a phone call couple of days after that I must add the gap on my new car or else, Wellsfargo will not finance my car. I was forced to purchase gap and my monthly payment went up more than I planned.

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 2023-03-21 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: LEXISNEXIS
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX 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 an account without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greenberg, Grant & Richards Inc.
State: CA

Complaint narrative:
XX/XX/2022, called repeatedly from then on once a day. 
Then received a call from a " Private Investigator '' hired by the company to come to my home and assess my assets as well as place of business etc. 
I had my attorney call the number back of the " private investigator '' to no answer. 
Sent in two certified letters via mail asking for the stop of harassing phone calls and to provide info via mail as to why they are contacting me as well as provided a no trespassing form and letter advising this company that any outside hired associate or any associate was prohibited from stepping any where near my private residence or any place of business. XX/XX/XXXX they have disregarded. They repeatedly call from different ghost /spoof numbers including the " private investigator ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a dispute to all 3 credit bureaus to remove a medical bill that is less than {$500.00} from my credit reports and they have not removed the debt nor closed the dispute. The dispute has been open and ongoing for several weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity / Bread Financial Please see complaint # XXXX SUBMITTED ON XX/XX/2022. 

1. In response to first complaint ( above ) Comenity / Bread Financial sent me a letter from XXXX XXXX XXXX XXXX ) on XX/XX/XXXX credited my account IN FULL bringing account balance to XXXX. This letter is included in attachment. 

2. " XXXX XXXX Customer Advocacy '' can not be reached and is believed to nor exist. 

3. Comenity continues to bill me for penalties and charges 4. Comenity has submitted has submitted ( and continues to so so ) negative credit reports and has damaged my credit rating XXXX. Comenity fails to cease charges and penalties during this dispute XXXX. Incompetent customer service seems to acceptable for Comenity / Bread Financial

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SLM CORPORATION
State: CO

Complaint narrative:
On XXXX XXXX XXXX XXXX  I took out a Medical Residency Relocation loan from Sallie Mae for the amount of {$20000.00}. These funds were used solely for costs associated with relocation and were not intended for or used for cost of attendance of my medical program. Repayment on the loan was defered until 1 year after my completion of residency, and I entered repayment on XX/XX/XXXX. On XX/XX/XXXX, I filed and was granted discharge in XXXX XXXX bankruptcy. During the summer of XXXX, I was contacted by Sallie Mae and told that my relocation loan was a " Student Loan '' and exempt from discharge in bankruptcy. I did not agree with the statement made by Sallie Mae at the time, and disputed the validity of the debt with their organization, however my dispute gained no traction and a delinquency on the debt placed on my consumer credit report. I was forced to inappropriately pay on the debt to avoid further damage to my consumer credit. In XXXX of XXXX, Sallie Mae reported the loan as discharged in bankruptcy to XXXX. Following this report, Sallie Mae, then began collection attempts for an overdue balance. This spurred me to again examine the validity of the debt. After reading statements on the CFPB website specifically stating that residency relocation loans are not qualified student loans and are not protected from discharge in bankruptcy, I again contacted Sallie Mae regarding the validity of the debt, which appears to have been dismissed/ignored. Sallie Mae has continued collection attempts on the loan and has reported a delinquency to the consumer credit reporting agencies, damaging my personal credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of XXXX. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # 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 2023-03-21 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: ProCollect, Inc.
State: TX

Complaint narrative:
I called Pro Collect Inc to dispute the balance on my account. Pro Collect Inc is located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. There phone number is XXXX. They are not my original creditor. Remove this 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