vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Victim of Fraud and identify theft from a company called XXXX which i have never done any business with before. Never even heard of them. 

Received email from XXXX on XX/XX/XXXX at XXXX that I purchased football game tickets for tomorrow. Order was for {$250.00} Then almost immediately at XXXX I receive an email from XXXX that your tickets are ready Then at XXXX I received another email from XXXX to say I purchased football game tickets for tomorrow. Order was for {$290.00}. Order XXXX At XXXX I receive a email from Chase indicating suspicious activity on account. I need to confirm if I made these purchases for {$410.00} on XX/XX/XXXX. I replied NO! To this email. 
Then at XXXX I receive an email from XXXX that my email address was changed Ultimately i was charged the {$250.00} as the other order was cancelled. 
Both these orders I did not make myself. 
I spoke to Chase bank ( my credit card company ) and they said not to worry and I wont be held liable as I have protection. 
1 Month later they sent me a letter to say that I am responsible for transaction and that I benefited from this transaction. 

I've tried to contact XXXX but no one ever answers the phone, emails or their XXXX emails. 
Made police report for identify theft and fraud ( XXXX PD ) Logged complaints at FTC and WA State Attorneys office against XXXX Filed Complaint against XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit Karma account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was a secure card when I lost my job, I advise the company to forfeited my deposit which equals the amount of the account, they have been reporting on Experian as a charge-off and late payment which is incorrect. Experian has refused to update this account. I contacted the furnished XXXX XXXXwhich has indicated that they fix the issue however, Experian has failed to fix

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 2021-11-06 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: NJ

Complaint narrative:
I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED

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 2021-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I showed them the Bankruptcy info that this was included. The removed it from XXXX but Not 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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
unauthorized inquiries with out my authorization on my Credit Report .. INQUIRY By XXXX XXXX XXXX on XX/XX/XXXX And XXXX on XX/XX/XXXX. I Contact the Credit Bureaus Experian But No Action Was Taking on they in

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 2021-11-06 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: IN

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to dispute with Experian to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Experian and nothing was changed on my credit report. Please fix this is fraud.

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 2021-11-06 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: AZ

Complaint narrative:
So for some reason my PayPal account was suspended suddenly without warning. I have been with them for over 21 years. I called and they told me I violated their Acceptable Use Policy but would not ( could not ) disclose what that violation was. Furthermore they told me that it is " un-appealable '' and " permanent '' and that they will now hold my {$1600.00} balance for 180 days. At the end of that period they will " contact '' me to see how I can get my money back. I asked to speak to a supervisor and they transferred me with much difficulty to XXXX ( Employee XXXX ) supervisor in the " limitations department ''. He repeated that he could not share any additional information, that he could not escalate this further than himself. 

I have reviewed their Acceptable Use Policy and the only thing possible is a couple of adult sites I am in which as far as I know are legal for adults... 

I have read online that some people have had this happen because they were on a VPN. I'm on a VPN all the time because I work from home and VPN into my office. Again if that's the case that's bogus. Also, I was under the impression that this was the United States so if it was something the thought was criminal or civil they should be compelled to tell me what I'm accused of doing...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I learned XXXX XXXX, Acct # XXXX, was putting my final billing account in collections, then I got a strange Credit Monitoring message saying XXXX was introducing them, XXXX XXXX XXXX of XXXXXXXX XXXX XXXX, VA and my score starting going down. So since there was no phone number on my credit report for XXXX  XXXX XXXX, I went straight to XXXX and disputed not once, but twice with a receipt showing I paid the bill on XXXX XXXX in full. At that point i had never heard from the collections people, the following week I get a monitoring message saying my credit score dropped XXXX points because of this collections report that the reporting agency had verified AGAIN with XXXX XXXX XXXX as a viable debt that should stay as a collections item? I spent all of last week ( XX/XX/XXXX thru XXXX ) filing disputes with XXXX XXXX I am now on the 3rd dispute with supporting evidence that this debt was paid on XXXX XXXX. Every time I start with XXXX XXXX they claim its paid, but they have no control over their collections people? Yesterday my 2nd dispute through XXXX ( 4th total ) was rejected because XXXX XXXX XXXX is either IGNORANT or Highly Incompetent. I have called the number listed for them in the VA directories but no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: U.S. BANCORP
State: MD

Complaint narrative:
Complaint : Credit Balance Refund Repayment VISA Account : XXXX with Elan Financial Service, marketed as XXXX VISA and linked with my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX credit card business partner Elan Financial Services has ignored my specific written instructions, made pursuant to Regulation Z, to directly refund my credit balance to me. Instead, {$47000.00} was transferred to some other financial institution and is now missing. 

In my correspondence with Elan on XX/XX/XXXX, which Elan acknowledged the receipt of in its XX/XX/XXXX response, I stated that : Pursuant to 12 CFR Part 1026 ( 2 ) ( Regulation Z ), I hereby request in writing that the credit balance on my account be refunded to me. Subsection 2 requires : Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; As of XX/XX/XXXX, however, Elan has reduced my credit balance from my account but is now unable identify where these funds are. I am also unable to find any financial account of mine to which these funds have been credited. I have further contacted XXXX XXXX to resolve this, but they referred the matter to Elan. 
Since XX/XX/XXXX, I have spent more than several hours on multiple phone calls with Elan without any satisfaction. Most recently I was told by an Elan customer service representative they are researching the matter. 

In short, nearly {$48000.00} of my funds can not be accounted for by these firms. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md 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 non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Credit applied to account on XX/XX/21 before billing cycle payment due on XX/XX/21. Barclay 's charged {$28.00} late fee, plus they failed and refused to apply credit to account to reduce the total among due or refund the credit or REFUND directly to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fact and opinion ... .how totally pathetic their inquiry to me confirms their inability to do even the very basics of reporting. Within your complaint my name and address clearly identified. By fact your application DOES NOT CAPTURE SOCIAL SECURITY NUMBER..The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) .... Yet these losers send me a delay letter asking for more information to confirm my identity. They have responded to you ... how??? Yes how did they respond to you when they do not know who I am????? This charade goes on and on time after time. Could it be their off shore staff does not comprehend English? They have my name, address l and birthdate. So I will give you the last 4 SS again because they need NOTHING ELSE but help to get things right. And while your at it fix your non functioning software which rejects the social security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XX/XX/2021, I clicked advertisement on citibank official website, opened a Citi XXXX account package.The ads says Earn {$1500.00} bonus with minimum deposit $ XXXX. 

On XXXX XX/XX/2021, I deposited XXXX USD into saving account and kept money in the account until now ( XXXX XX/XX/2021 ). 

On XXXX XX/XX/2021, Citi chat repesetative told me I will be qualified for the bonus, bonus will show up in XXXX statement. 

On XXXX XX/XX/2021, two Citi XXXX  call center agents told me I will not be able to qualify for the bonus, since they can not find promo code with my original application. 

My request is, Citi give me {$1500.00} sign up bonus. 

Appendix A : The chat history with citi repesentive, it proves I know the promotion on XX/XX/XXXX, also, XX/XX/XXXX, Citi confirmed I will get bous. 

Appendix B : When clicking the Ads to create new account, there is no way to enter or verify promo code by customer, the promo code is associated by Citi system, So, in case of missing promo code, it should be Citi 's system error, instead of Customer missing an action.

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 monetary relief
Consumer complaint received 2021-11-06 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: NJ

Complaint narrative:
I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX  ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED

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 2021-11-06 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: NJ

Complaint narrative:
I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Although notices have not been properly given to me, I discovered numerous inquiries to ChexSystems. None of these were made with my consent. There are many incorrect " personal identity '' items on my ChexSystems credit report, which identity thieves can then use to " identify themselves '' as me. ChexSystems uses personal identity information " challenge '' questions to provide a credit report online. ChexSystems uses an address on XXXX XXXX in XXXX as one of the challenge questions I need to know the answer to in order to be " identified. '' I have never lived anywhere near there. The address does not appear on my ChexSystems credit report and ChexSystems refuses to disclose the source of that challenge question so I can have it corrected. ChexSystems refuses to act on or respond to my written dispute from my attorney that was SIGNED BY ME AS WELL, demanding a notarized " power of attorney ''. Although this is a matter of urgency and my attorney communicated to ChexSystems via fax, ChexSystems not only refuses to act, it sends its response by very slow regular mail rather than by fax or email. ChexSystems runs an online system that apparently allows automated inquiries. In every, or most, cases the inquiries are rejected -- this means both ChexSystems and the " furnisher '' know that I, the consumer, did not consent to the inquiry. Nevertheless, they proceed to pad their credit data on me with false data they will not remove, and which can be exploited by identity thieves. This all takes place in the " subprime '' market and the activity is not disclosed on the " main 3 '' credit reporting agency reports and alerts. Finally, XXXX ( which did not have my consent to access my credit ) sent me a reject notice for " my application '', disclosing to me that it had accessed ChexSystems. Additionally, there is no negative information in the ChexSystems report, but ChexSystems refuses to disclose the reason for the rating it sent to XXXX. Because FCRA requires my Identity Theft Report to contain the items that are false in order to demand they be blocked, I am including those in an upload attachment to this complaint. With respect to uploads, however, there is a discrepancy in CFPB instructions : ( 1 ) don't reveal personal information and ( 2 ) upload documents, letters, etc. related to the complaint.

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