vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I contacted an individual who was advertising two soccer tickets for sale on XXXX. He provided me with his XXXX payment information ( Phone Number = XXXX, XXXX = XXXX XXXX ). 

Upon confirming he was a registered XXXX user via my Chase app, I sent two payments in the amount of {$140.00} and {$30.00}. After that, the individual did not respond to any of my follow-up text messages, nor ever send the tickets. 

I contacted my bank ( Chase ) on XX/XX/2022, and explained the situation, and requested a refund as I had obviously been defrauded, and this qualified as an unauthorized transaction according to the CFPB. However, they refused to reimburse me, even though this individual was a registered user on the Chase-owned XXXX ( making him appear as a legitimate individual which which to transact ), and my experience qualified as an unauthorized transaction. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was contacted by Portfolio Recovery Associates regarding a XXXX XXXX Account. XX/XX/22 I found that this company is not licensed to collect debt in the state of Illinois. I asked that they cease and desist all actions that have taken : phone calls, emails, and letters but they have not made any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I never received my card and theres been multiple unauthorized transactions made on my account without my knowledge or consent payments were made to the card account and were authorized but their should be no transaction authorized to be on my account. 
Capital one has been giving name a hard time to fix my account according to my authorization and have closed my account without my knowledge and consent of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAVE PROOF THAT I PAID OFF MY CAR XXXX XXXX AND THEY ARE STILL REPORTING IT ON MY CREDIT AS WELL AS A CARD I SETTLED IN XXXX OF XXXX THIS IMPACT IS KEEPING MY CREDIT AT A STAND STILL. I HAVE MY TITLE AND CAN SHOW PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX XXXX. XXXX ( A ) XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-10-24 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
In response to a letter I received from Synchrony Bank dated XX/XX/XXXX in reference to a previous Dispute regarding my Lowes Credit Card ; I contacted Synchrony Customer Care at the number provided XXXX. 
I spoke with Synchrony Bank Representative, XXXX in XX/XX/XXXX. 
He informed me that my previous Dispute for purchase amount XXXX was found in my favor on XX/XX/XXXX and credited to my CLOSED Lowes Credit Card Account ending XXXX. 
Previously on XX/XX/XXXX, I received a letter from Synchrony Bank stating they had identified an error in the resolution of my previous dispute from XX/XX/XXXX, and that they credited my CLOSED account XXXX including the amount of the Dispute, ( XXXX, XXXX ) I was informed by Synchrony bank representative over the phone on XX/XX/XXXX that I would be receiving this information in writing via XXXX Mail regarding the Dispute resolution on XX/XX/XXXX within XXXX to XXXX business days. 
I have not received that Information. 
Additionally, after I received my XX/XX/XXXX account statement due date XX/XX/XXXX ( Synchrony Bank would not accept my payment online or over phone ) my account was charged off XX/XX/XXXX with an incorrect balance of XXXX, XXXX. 
Since the Account was closed in error, and the credit was not made while the account was OPEN, the amount in error including the Disputed amount XXXX, XXXX plus interest and fees should be Refunded to me in Full.

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 2022-10-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent these accounts : 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 XXXXXXXX has all 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-10-24 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: NY

Complaint narrative:
XXXX XXXX XXXX 
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681C. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-24 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: VA

Complaint narrative:
I have contacted XXXX and Experian. I have changed my name because of this person, my SS number is very similar to them, live in the same county, same state. This is a joint account, I have only individual accounts..

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 2022-10-24 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: WI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-24 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My identity was stolen and Ive tried to send paperwork police report & show this the information has still remained there

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 2022-10-24 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: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
My identity was stolen and Ive tried to send XXXX police report XXXX XXXX this the information has still remained there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I reached out to experian via in regards to my experian membership account. I am NOT able to see all XXXX bureaus under my PAID membership with experian. 
Experian advised me that my XXXX credit report " has no record of my personal history or different personal details. 
Experian advised me that I need to send in my XXXX credit report to verify the information is the same as experian. 
On XX/XX/2022 I emailed a hard copy of my XXXX report to experian to resolve the issue and EXPERIAN still wont fix the issue. i have been hung up on in my face by supervisors. Everytime I call in they just keep transferring me to different and the same departments. They keep submitting escalation tickets and closing them out without fixing this issue, they are stealing my money and not giving me the services Im paying for. Please help i have no where else to turn.

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 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Please note that the minimum payment is due on XX/XX/2022 and the amount is XXXX. I made a partial payment of XXXX on XX/XX/2022 to apply to account and will pay the balance of the min payment before the XX/XX/2022. I spoke to a representative last week to confirm this transaction. Here are the number of times they have called me just today already. here ae the times, XXXX, XXXX, XXXX, XXXX, and that's just today and its only XXXX. I have an injury so im unable to work but is still making payments. I called and spoke to a representative XXXX and told her that I already spoke to someone regarding this payment. I informed her that it was illegal for her to call so many times during the day and that was harassment. She told me she had the right to call and that she will call because I failed to pay the minimum amount. The representative then placed me on hold with music and left me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I had the same loan with Crosscountry mortgage for over XXXX. XXXX months ago, they increased my escrow amount used to pay my property taxes and insurance by 64 %. However, my property taxes and insurance have not gone up. I tried calling them to get an explanation and they keep telling me there is a " shortfall '' but when I ask them for specifics on this " shortfall '' they refused to give my any information or evidence that the escrow expenses have went up by as much as they are saying. I am concerned I am the victim of a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Online purchase for firewood to heat my home from a fictitious company advertising as a local company on XXXX XXXX. Seller required a {$150.00} XXXX payment for deposit fir a {$370.00} dollar order. Once payment was made they acted like they never received the money and disappeared. Contacted PNC who said they could not reverse or reimburse my payment. I advised them it was digital, how could they not contact the recipient bank and freeze the account for fraud and refund my payment. I was told, too bad so sad, you should only send money through XXXX to people you know... end of story.

Company response to consumer: Closed with explanation