vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
I sent in disputes in the past about fraudulent bank accounts being opened in my name as fraud and Identity theft. Please update my information to reflect accurate.

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 2023-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sent in disputes in the past about fraudulent bank accounts being opened in my name as fraud and Identity theft. Please update my information to reflect accurate.

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX. My ex-wife opened an XXXX JPMORGAN CHASE credit card in my name. JPMC was issued a subpoena from my lawyer to release the application that was made out in my name. They refused in previous attempts to give me the application per my request so I had to hire a lawyer to subpoena the application which I assume I have every right to the this application since they claim is in my name. I have never had any of these cards in my possesion. Once I received the the application from the subpoena from my lawyer I noticed that it was in my name but with an e-mail and phone number that was not mine. I have never authorized this credit card in my name. I have called JPMC numerous times and they say we have done our investigation but will not tell me anymore. I would like to see what IP address this application came from and JPMC refuses to give it to me even with a subpoena from my lawyer. XXXX XXXX XXXX XXXX  agreed in this same situation that I was not responsible for their card. I can provide any information you need per my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
Date Sent : XX/XX/2023 Company : XXXX XXXX RE : Account # XXXX - {$670.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I logged into my account and saw that someone took out {$800.00} from my Chase bank account. Once, I noticed that someone had taken {$800.00} dollars from my account I immediately locked my account and called Chase. I've been dealing with Chase for almost a couple of weeks for them to give me my money back, but Chase doesn't want to give me my money back. Chase claims that I took out the money but I did not even receive a text or an alert when someone took out the money from my bank account. I've been asking Chase to review the camera footage and see who took it but they don't want to. I need something done because it is unfair that Chase doesn't want to give me back my money after someone stole my card and took out the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Today the date of the XXXX of XX/XX/2023 I called Navy federal Bank about my credit card. The reason for the call was to get info on why they never sent me a bill to my house they stated I signed something digital I asked for a copy of that and asked for my wet signature they stated they could not produce that to me. So then I said I need my physical bill so I can pay the bill the right way with remittance they stated we are going to send you a bill out in the mail. Then I asked them do I have equity in the securities that I offered when I signed this contract for this credit card the first person that was a customer service rep stated no you dont have no equity in Navy federal. I stated thats odd and then asked to speak with a supervisior. He got on the phone stated I heard you need help with your credit card sone complications. I stated yes I have complications and stated to him do I have equity in my securities when I signed my contract he stated no you dont have any and I asked him can I talk yo someone that is higher then you maybe your trustee or your cfo can send me a letter stating I dont have any. But thats something I know they are not going to do because it kinda states it on there website which I took I screenshot to show it states equity for members. And Im a member of this bank so Im asking myself it clearly states XXXX if there stating I dont this must be security fraud on there side because they legally placed the info on there website showing that members have equity. I need help with this please they wont let me transfer that equity to my principal balance to zero out my bill that is resulting in my being late. Account is # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: PA

Complaint narrative:
I put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( XXXX XXXX ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business XXXX XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my information.

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 2023-08-05 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MO

Complaint narrative:
On XX/XX/2023 I purchased PayPal PREPAID Mastercard from XXXX in XXXX XXXX. I loaded {$40.00} on at the time of purchase. When I went to activate the card I was told that I was not approved for the card and that I am not able to use the card. I have been dealing with this issue since XXXX, the customer service now just places me on long holds and do not return the phone call. They are rude to me and will not help me in anyway. I have read the cardholder service agreement and there is no reasoning on why I should not be able to activate and use card. it says nothing about being Approved to use card anywhere in the service agreement or advertisement. I want a full refund of the {$40.00} plus the {$2.00} activation FEE in cash. The same way I gave it to them.

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 2023-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Metro 2 compliance letter sent to Transunion with full detailed technical statements.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: NC

Complaint narrative:
Innacurate information being shared. Also my written consent was ever given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally has not been properly managing my payment for a car I received a loan from Ally and Ally is sending me bill statements saying I am 3 months behind. I have all my bank and money orders from day one showing I am currently updated on all payments. Ally also cancel the Extended warranty I purchased for the car and got the money back and did not notify Me they got {$3800.00}. Back for the warranty I call about getting the car repaired and Ally claim I call 3 weeks after getting the car. And cancel the extended warranty. I told her that You are a liar she claim she had a record of my call I ask to hear it She said ok left the phone on hold and came back 3 mins later saying she couldn't find it. She said the money went back to the lien holder which is Ally and they did not notify me that they received that money and did not deduct it from the payment of the car. Now the dealership said that they can not fix the car. If NO MORE THAN XXXX XXXX XXXX DEALERS ARE SUPPOSED TO FIX IT. THE MANUFACTURER 'S WARRANTY IS SUPPOSED TO BE ON THE CAR UNTIL THE CAR IS PAID OFF. OR IT FALLS UNDER THE LEMON LAW. WHICH MEANS I AM SUPPOSED TO GET ALL MY PAYMENTS BACK FROM THE LIEN HOLDER.also I am looking for a lawyer on the fraud committed.

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 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Kia Finance America have not provided me with my Financial Audit that I have requested on several occasions. XX/XX/XXXX I was informed by a Kia Representative that I was behind on my car loan and I had to pay double for the month or my car will get repo. 
I inturn paid around {$1200.00} two months ago XX/XX/XXXX. 

I also made my XX/XX/XXXX payment of {$670.00}. I called Kia Finance to make my XXXX payment around XXXX XX/XX/XXXX couple days ago and the representative informed me that I had to pay {$1600.00} or my car will get repo. 

I informed the representative this is not adding up. When I stated making payments on my car loan dated around XX/XX/XXXX which is two years ago my finance total balance was around {$34000.00} including financing. 

Within two years I have paid well over {$18000.00}. Kia Finance America will not take my XX/XX/XXXX payment of {$600.00} and informed me that if I do not give them {$1600.00} my car will get repo. I notice within the last two months they have been given me a hard time. My current payments to include XXXX and XXXX have total over {$1800.00}. 

I again informed Kia Finance America my monthly payment is {$600.00} however ; they have been charging me well over this and threatening to take my car although I have been making payments. 

I informed Kia Finance America for the third time I needed to file a complaint and need an audit and investigation on my account. They have yet fell to provide that information. I am a XXXX XXXX Military Veteran and this Financial matter and mishandling of my funds on Kia part is really aggravating my military XXXX. 

Kia Mishandling of my account has affected my credit score tremendously and my mental state! 

Please help me in resolving this matter. My car is a necessity as well because I depend on this to get to my Veterans Doctors appointment and etc. I am currently unemployed and use my VA XXXX check to make my car payments. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX 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 2023-08-05 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.

Complaint narrative:
I open my credit report over there i see unsuspicious joint account open in my report is not mine. And also there are 4 5 inquiries which doesnt belong me i an a victim of identity theft. The account open on XX/XX/2023 of amount XXXXXXXX XXXX i report the bank also they told me they can see any account open in my profile i also contact the trans union for dispute they just told me to wait for report to verify i am very upset after finding an un suspicious activity in my credit profile. 
My identity is theft by someone.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
For the last week or so, I have been receiving welcome emails from Chime. I deleted them because I believed them to be a phishing scam. I believed this because I have not opened an account with Chime. 
Today, Saturday, XX/XX/XXXX, I received a Chime ATM card in the mail with a routing and account number. I called the Chime help line and received a recording. It said that it was able to pull up my account from my phone number and asked if I would like a call back or to wait on hold. I opted for the call back. A recorded voiced called me and asked if I wanted to call about my account or another account. There is no way to honestly answer that question without agreeing to ownership of an account I did not open and do not want, so I hung up. 
How do I extricate myself from this fraud?

Company response to consumer: Closed with explanation