vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My ex girlfriend, without permission opened a account with Chase Bank, a credit card that she maxed out to over {$18000.00}. Chase notified me of the amount and the card being maxed out and also that the address and personal information once transferred from my personal information to my ex girlfriends information. Even with all this evidence that my ex girlfriend was making payments from her accounts to the credit card and that her personal home address, phone number and email address was attached to the account, Chase Bank made me responsible for it, and to add salt to the wound, they made me pay at a XXXX APR for this card, that I have never used in any way shape or form. From the beginning I tried working with the fraud division and other sections of Chase to reflect that I did not open this credit card of my own desire, I was tricked to sign the paperwork for it. And again they made me aware that my ex girlfriend personal information was attached to The billing information of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
First of all my previous complaint which is directly related to this complaint is : COMPLAINT ID XXXX If you'd kindly look at my previous complaint that your organization greatly helped me with, it will shed light on this complaint. 

I did finally receive my payment of {$370.00} from XXXX which they have been holding since XXXX of last year. The {$370.00} should have been transferred directly to the Captial One Account since they assumed the XXXX  Account that I've had for many years... they did not. Many times throughout the past 8 months I have contacted Captial Bank to have the late fees and interest removed. Captial Bank graciously removed the late fees and interest to afford me more time to work with XXXX who said they would send me the check and did not. After finally receiving the check dated XX/XX/XXXX  for {$370.00} from XXXX, I immediately cashed it. Today I called Captial Bank to finally pay off my bill that I actually paid 8 months ago and move forward. After talking to Capital Bank 's Account Manager, she refused to once again eliminate the late fee charge of {$39.00} with my condition that I would immediately pay the balance of {$370.00}. Again, she refused even though they had removed the fees in the past. Included in my complaint will be a photograph of the check I received on XX/XX/. Please help me remove the {$39.00}. I pay all of my bills on time if not early and I am in awe of how the credit card companies do so little to help you when it is their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I have received an ongoing credit report that suggests that I may owe LVNV FUNDING LLC. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that LVNV FUNDING LLC, XXXX, XXXX and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation is a result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized or suspicious activities. 

I have been an active and responsible user of PayPal for a significant period of time. Throughout this duration, I have meticulously adhered to all of PayPal 's terms of use and policies. The news of my account being permanently limited has come as a shock to me, as I genuinely can not identify any instance where I have deviated from the established guidelines. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into this matter. I am confident that upon review, you will find no substantiated reason to justify the permanent limitation on my account. I am earnestly appealing for the restoration of my account privileges, so I can resume using PayPal for my online transactions and financial activities without hindrance. 

In view of the above, I urge PayPal to reconsider its decision and provide me with an opportunity to rectify any misunderstandings that may have led to this unfortunate situation. I value the convenience and security that PayPal offers and would greatly appreciate the chance to continue benefiting from its services. 

Thank you for taking the time to read my appeal. I sincerely hope that PayPal will re-evaluate my case with a fair and unbiased perspective, leading to the reinstatement of my account. I look forward to a positive resolution and the chance to resume using PayPal. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: TX

Complaint narrative:
I've attached proof of Credco inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue Credco and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US Court of Appeals for the XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX XXXXXXXX ).

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 2023-08-25 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: CA

Complaint narrative:
I disputed a account thats on my report from XXXX on XXXX throught the credit bureaus. But they were taking so long to do any type of resolution I just went into XXXX myself to pay off the account to resolve the matter. I dont care that its not mine and I know its fraud. its such a little amount bringing down my score. When i wen into the branch on XX/XX/14. They said they have no record of the account. Not on my name or the joint owney they say on there. How can the bureaus verify and account when the bank thats reporting it cant even pull it up? Ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
I disputed a account thats on my report from XXXX on XXXX throught the credit bureaus. But they were taking so long to do any type of resolution I just went into XXXX myself to pay off the account to resolve the matter. I dont care that its not mine and I know its fraud. its such a little amount bringing down my score. When i wen into the branch on XX/XX/14. They said they have no record of the account. Not on my name or the joint owney they say on there. How can the bureaus verify and account when the bank thats reporting it cant even pull it up? Ridiculous

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I filed a dispute with Cash App regarding a transaction amount of {$500.00} in my checking account. In the dispute, I requested a refund and claimed that the merchant used the transaction to take financial advantage of me and subject me to fraudulent business practices, resulting in me not receiving any benefit. Cash App denied my dispute and I requested the documents Cash App used to make its denial determination. Cash App only sent me a basic summary of the transaction but nothing from the merchant.

Cash App has disregarded my notices and is being unfair in its dispute procedure. Cash App 's reason for denying my dispute is insufficient and I am unreasonably being subject to a financial disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: WI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Company will NOT provide a debt validation to me, and refuse to provide information proving I owe the debt even though I do not recognize it. 

Dates of communication : - Initial Debt Verification letter/request sent in XX/XX/XXXX, same day of my first call. They informed me to send this to their dispute email inbox. ( dispute@lmminc.com ) - Second call to follow up was XX/XX/XXXX, to follow up on the verification, where they mentioned they may have not received it because their debt dispute inbox was " non-functional '' and had broken shortly after I sent it. They no longer use this shared inbox. They input this request manually over the phone, to request the itemized bill from the original organization and apologized for the inconvenience. 

- Next call was the day after, XX/XX/XXXX, and I confirmed the itemized bill was requested manually and it had been sent out. 

- XX/XX/XXXX, spoke on the phone, they have no update to provide me. Requested to be put through to a manager, who was verbally aggressive and insisted I owed the debt over and over again, but wouldn't answer the question as to why they can't validate the debt. They insisted the " information would be sent eventually. '' - Final call prior to me writing this complaint was today, XX/XX/XXXX, still no itemized bill sent to them by the original organization, which they confirmed to me over the phone. They refuse to tell me what the next steps are, even though we're going on three months without a validation provided that I owed the debt. XXXX and XXXX have removed this for me, though XXXX is apparently " verifying I owe the debt '' somehow, even though the CA can not provide this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
In XX/XX/2023, I got notified that a transaction of {$1200.00} was made to buy airline tickets. This transaction was not approved by me so I filed a dispute against the transaction. Huntington National Bank investigated my account, credited back my money, and gave me a new debit card. 
In XX/XX/2023, I was going to pay a tab when the waiter told my my card had been declined. I got a phone call from Huntington asking me if I approved of a {$1000.00} XXXX XXXX purchase, which I immediately declined. The proceeded to lock my card and send me a new one. 

I had this new card for less than two weeks. On XX/XX/2023, I was going to buy food when again, my card was declined. I checked my bank account and realized I had an overdraft. XXXX unauthorized purchases had been made. XXXX to XXXX XXXX for {$1200.00} and the second to XXXX XXXX for {$540.00}. I immediately called my bank and disputed the charges. I also asked for a provisional credit since I had bills to pay. They said that since my bills were linked to my checking account, I can still make those charges since by the time they submitted the provisional credit, they would have it covered. I went XXXX weeks without receiving any type of credit or getting any updates about my disputes. I called every day to follow up but they dismissed me and said they couldn't do anything to help me. During this time, I followed their advice and got charged 3 times with overdraft fees. 

On XX/XX/2023 I got a letter in the mail saying they had completed their research on their end and determined that the transactions were authorized. I immediately called Huntington on XX/XX/2023 and asked them to send me the documents that they used to come to this determination. I also asked them to open up the case and continue the investigation. They said they would and would follow up with new information. On XX/XX/2023, 5 days later I called to get updates, which Huntington can not provide. I expressed that I still have bills to pay and need some sort of credit to ensure my account didn't go overdraft again. They said they couldn't along with not being able to provide the documents that I asked for on XX/XX/XXXX. 

I've called Huntington a total of XXXX times throughout this month. I have been dismissed and treated like I have been the careless one for having my information stolen. 
My complaint is that they have been rude, and I believe someone within the company is the one targeting customers and stealing their information to make these unauthorized purchases. This is not {$5.00} or {$50.00} or {$100.00}. This is almost {$2000.00} that were STOLEN from my checking account, and that has yet to be resolved or given further explanation on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
There was an unauthorized charge on my account which I notified the bank as it came to my attention. When I called the bank the bank informed me that I was unable to file a dispute because it was not filed the same day the transaction happened. I questioned that logic as a small business owner, however, Citizens repeated. I filed a XXXX  and a member from the Office of the President contacted me and stated it was due to XXXX, however, XXXX is governed by Title 31 ( B ) ( ii ) ( A ) part 210 which governs reversals, not disputes. In fact, disputes are covered and protected under Regulation E and it appears citizens bank does not want to comply with Regulation E or cant. Citizens bank just got fined over XXXX XXXX  dollars for failure to follow bank regulations regarding credit cards and now it appears they have shifted their non-compliance to regulation E and attempted to utilize Title 31 ( which has nothing to do with it ) as an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I bought a car from XXXX, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Gatestone & Co. International Inc.
State: IN

Complaint narrative:
I recently checked my credit report & noticed XXXX XXXX XXXX XXXX XXXX was on there.. there a 3rd party debt collector according to the FDCPA. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report is showing up with different information. Two accounts ( XXXX XXXX XXXX ) should have both fallen off my account but they are still showing up on one report but not the other. I need to know why they are still showing up and proof as to when they should be off my credit report. Also Why are they showing up on one report and not the other. See attached documents. One says no negative Information but the other two have negative information. 
XXXX is supposed to fall off XX/XX/XXXX  but it is showing up in my report XXXX was supposed to fall off XX/XX/XXXX but it is still showing up in one report.

Company response to consumer: Closed with non-monetary relief