vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: WI

Complaint narrative:
For 6 weeks now, with documented proof, Experian has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my credit score significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX. XXXX XXXX auto XXXX, I challenged this on my credit and my XXXX XXXX remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed 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 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a lot of hard inquiries on my credit report I have no knowledge about. I havent made no consent for anything to be on my credit profile. 

Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XX/XX/XXXX Capital one auto finance - XXXX - XXXX XXXX Capital one auto finance - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one - XX/XX/XXXX Capital one - XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started having an issue with logging into my account on line with Chase.com. The system requires a secondary verifiction code that I have been receiving via my home phone for MONTHS. Approximately 3 weeks ago I was no longer receiving these calls so I called Chase Technical support and was told that my phone company was blocking the number. So I called my phone company and they verified that there were no numbers blocked. I then called Chase at least 3 more times and was once told that now I was only to receive text messages but made the correction and I should now receive the calls. Well the problem did not go away and I was told again that my phone company is blocking the number. After another call to Chase they finally created a ticket to research the issue. I received a phone call after 5 days days and was told that my line was a VOIP and not a land line and was being blocked. I then called XXXX and was told that my phone was a land line and not cellular or anything else. They also never heard of the issue and they receive calls from their bank on these lines. So I have spent a considerable amount of time trying to get this resolved and was LIED TO numerous times about what is causing this issue. When I asked about receiving the calls for MONTHS they replied that it was a glitch in their system that allowed the calls to go through and now they block them. One day the calls go through and the next they are blocked. They said that they do not consider VOIP line secure to which I replied that are they less secure than cell phone that can easily be hacked. First, I should not have had to spend this amount of time to try and fix a simple issue in addition to being LIED To numerous times. Secondly, if this is not resolved I will consider changing banks after being with Chase for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI INC put a serious past die on my credit when I called they could not tell me who they were trying to collect for said it could be numerous company PLEASE TAKE IN MIND SEE ATTACHED NO INFORMATION AND JUST A PARTIAL ACCOUNT NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
My loan was transferred to Mohela loan servicing recently. So far, what is listed on my account is incorrect. They have not accounted for all the payments that should be credited toward PLSF. If I want more credited, I would need to provide further proof however, the payments not credited were in the middle of the time that I worked at the qualifying company and can be verified by the employer or through my tax history yet, from what the site says, I need to collect this infomation and provide to them. I should not have to do this, they have access to my tax records and they should be able to verify through that. Additionally, there were instances during this 12 year period I worked for the qualified employer where I made more than my monthly payment + I made some lump sum payments of {$1000.00} to {$5000.00} each toward my loan and those were counted as 1 single payment vs multiple payments to the 120 qualifying payments. 

I have not yet been on a call with this company as each time I have tried to reach out, the wait time has been over an hour to speak with someone. I do not have time during my workday to sit on the phone on hold for over an hour. There is no way to contact them via their website either- you can make selections but their site doesn't allow you to complete sending a secure message unless you are uploading a form to them. This is not the XXXX century! They are limiting how customers can contact them and they have not staffed appropriately in order to handle the call volume which is causing undue hardship on it's customers. 

While the government payment relief is not available and is on pause at this time, the government has extended the payment pause and this is not reflected on my account either- it is still showing that I am in XXXX  through XX/XX/22 and does not show the new XXXX timeline. The site shows me in XXXX however, this is a government mandated XXXX, not a XXXX I placed on myself, that should be updated as well. 

The student loan changes are a nightmare and companies who took the outsourced loans for servicing need to do better as they are only adding fuel to the fire along with unneccessary hardship on their customers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Was offered an introductory offer on the capital one app. After getting approved the introductory offer of 8 months interest free wasnt applied/or it was revoked. After calling capital one and attempting to gain more information I was told it was a secondary part of the application process that I didnt actually get approved for. I believe this to be false advertisement and misleading representation of good or services. I believe this as an attempt to gain new accounts without providing benefits for those said accounts. XXXX, the supervisor was very unhelpful and essentially told me I was XXXX. Sold out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX 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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main Financial : ( We have noticed that your recent payments have not been the full contraual amount and have also been made on different days monthly ) My response : I have made the payment due amount on or about the due payment time, this amount shows on the app as the amount due without the option to pay the contractual amount or lose interest and principal normal credited amounts? 
It is misleading to show a customer the amount due and then credit less principal and interest because of the payment you supplied the client without disclosing they lose principal and gain interest? Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) XXXX  days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( XXXX ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( XXXX ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered ballon payments and still is reporting this account as late.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I was a victim of check fraud. I wrote a check in the amount of {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears someone fished the envelope out of the mailbox and altered the check to the amount of {$1700.00} made payable to XXXX XXXX XXXX. This check was cashed at a XXXX XXXX  XXXX XXXX. 
I reported this to my Chase branch and opened a claims number XXXX on XX/XX/2022. I was informed it may take between 60-90 days for XXXX XXXX XXXXXXXX to investigate and respond, so I waited. I subsequently called Chase 's Claims department at ( XXXX ) XXXX option 3 in XXXX and was told they will send a follow up to XXXX XXXX  XXXX. I received no calls from Chase for months, so called back again in XXXX. I received the same response from Chase Claims that all they can do is send another follow up to XXXX XXXXXXXX XXXX. I proceeded to call XXXX Claims again in XXXX, XXXX, and now XXXX. Still no resolution and the same status that Chase is waiting for XXXX XXXX XXXXXXXX to respond. 
This is extremely frustrating to say the least and while {$1700.00} is not a large amount of money to a big bank like Chase or XXXX XXXX XXXXXXXX, it is for a senior citizen like me on a fixed income. I've expressed this to Chase and all they can do is say sorry. My last resort is to file this complaint in hopes that something changes in the ways large financial institutions protect their account holders, especially seniors. It's really not acceptable to have no ability to do anything besides send follow ups that go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Ordered a service from a merchant. XXXXXXXX XXXX application acknowledged the refund/cancellation request but delayed in processing the request. Nearly three months has past since attempting to cancel in XX/XX/2022 and knowing my time to dispute the transaction was closing, I contacted CitiBank regarding a {$1000.00} price billed to my account on XXXXXXXX XXXX 

I attempted to dispute the charge to my account for this service by CitiBank. The below are the details of my interaction with Citibank 's dispute a charge process. 

XX/XX/2022 : Initiated Process XX/XX/2022 : Received a letter from Citibank requesting information and my contact with the Merchant, and details of the steps I took to resolve the issue with the merchant. 

XX/XX/2022 : Received call from Citi ' dispute center to go over this dispute. I explained to Citi that the merchant refused to process my refund. Thier app was the way I was directed to use. Mid-way through the steps, the App just stop progressing in the refund. Dispute center took my information and conducted their investigation. 

XX/XX/2022 : XXXX challenged the dispute showing I purchased their service. Citibank closed the investigation in favor of the merchant. In the letter, Citibank requested I show an email that the merchant accepted my cancellation request. 

XX/XX/2022 : I adhere to Citibank 's request for cancellation request. I submitted to Citibank that the merchant 's app acknowledged my cancellation request and request that Citibank continue with the charge back. 

XX/XX/2022 : Citibank sent another letter stating that they may be able to assist me if merchant agreed to credit my account. and I should seek other means to obtain credit. 

XX/XX/XXXX is the last communication prior to this complaint. Now I am in a XXXX for the reason I originally started the dispute the charge process was because the merchant didn't want to refund me. Now, Citibank is asking for an email that shows the XXXX agreed to credit me. This request is unreasonable when the merchant showed they weren't willing to refund me and challenge the charge back from Citibank. From Citibank moving the goal post to placing me in a XXXX situation, I turn to writing this complaint to the XXXX against Citibank.

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XXXX XXXX I tried to order my free consumer credit report from Experian. Experian 's website rejected my attempts to sign in and gave no reason for the rejection. Experian 's report was used to reduce my available credit from a financial institution.

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 2022-12-07 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: CA

Complaint narrative:
I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was 100 % accurate. XXXX XXXX and Experian has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past 30 days. 

I would like to know who did they talk to. 

How did they complete this investigation.

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 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
12 U.S.C. 1825 ( D ) The entity is not following principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I received a Frontier Airlines Mastercard in the mail and a separate letter from Barclays saying that their attempts to reach me by email were unsuccessful.

I did not apply for a credit card from this company.

When I called to try to cancel the account, I did not want to give them the last four digits of my Social Security number because I was afraid of fraud ( given that I did not apply for this card ). They refused to help 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