vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX  XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX remove incorrect addresses XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX XXXX XXXX to me XX/XX/XXXX, XXXX According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX Apartment XXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX 1987

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lockhart, Morris & Montgomery Inc.
State: NM

Complaint narrative:
I frequently receive calls from them early in the morning. Always before XXXX and sometimes as early as XXXX in the morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NC

Complaint narrative:
I Noticed a few accounts on my report I do not recognize

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/22 {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI card CITI card called me my had hecked 3 times XX/XX/22 {$89.00} Then CITI resolved the issue and canceled the card. 

But the card was heacked on XX/XX/22 {$330.00} When I called CITI card, always they said everything has been fixed and I don't need to worry about it. 
But CITI card keep sending me a bill and this month late fee {$41.00} interrest {$8.00} added I talked over the phone 4 times. 
Always the CITI card say yes but no result. 

The last talk was XXXX XXXX, XX/XX/XXXX 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 monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an XXXX ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a medical professional ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpoena being delivered to my office and signed, I insisted that I had never signed a subpoena. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a XXXX XXXX that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through XXXX from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. 

I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a XXXX payment but gave me the number to submit a claim ticket to XXXX. I did submit a claim but they came back and said nothing could be done. 

I'm hoping I can get help in recouping the money that was transferred due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NC

Complaint narrative:
I Noticed a few accounts on my report I do not recognize

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 2023-02-02 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: NC

Complaint narrative:
I Noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western Management Consultants
State: TX

Complaint narrative:
First of all, all calls on my phone are recorded at my place of work. I received a message to my office. I called the number XXXX. Immediately the representative answered the phone and became very aggressive, by saying my name social security number and addresses. I told the rep I was unsure of what they were asking about. I then asked him to please not contact this number and he began to threaten me by calling other numbers. He mentioned he could do a contact search and contact other people I know. He was very abrasive and became very condescending. I called back to speak to XXXX and get his contact information, He would not give me the representatives name and has had me on hold now for 10 minutes ... I decided to hang-up and call back at the XXXX they answered the phone but would not respond. now when i call the number I do not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2022, I woke up around XXXX with no cell reception. I had no idea what was going on. I received a text from XXXX about someone trying to change my sim card. I was unable to call or text anyone. I didnt know what was going on with my phone. At first, I thought maybe my aunt forgot to pay the phone bill. Then I received a notification since I was connected to the wifi that someone transferred all my money ( {$740.00} ) out of my Chime account and sent it to an unknown email address. They also sold/traded some of my stocks on XXXX and purchased a flight through my XXXX account XXXX The hacker had access to my apps and cellphone number ( text and phone calls ). I went to XXXX and XXXX in XXXX XXXX to try to figure out what happened to my phone. They didnt have any solid answers for me on what was wrong with my phone. XXXX kept trying to switch the sim card to see if it will work. Finally, later that night I called XXXX XXXX more time using my boyfriend phone and they locked my sim card and was able to fix my phone. 
The very next day I filed a police report. The police officer said they couldnt file a police report unless they had proof of this incident. I called XXXX to see if they had any information they can give the police officer so that he can proceed with the report. The XXXX expert confirmed that a man located in XXXX, XXXX called XXXX that day trying to switch out my SIM card. 
I have tried to contact Chime numerous times informing them of what has happened and they refuse to refund me the {$740.00} that was taken out of my account. I am extremely disappointed with the customer service and lack of assistance with this incident. I have another bank and money wasnt touched in that one, but somehow the hacker was able to get into my Chime with ease and wipe out the money I had in there. The hacker also requested {$500.00} from both my boyfriend and my aunt on that day. They know I dont ask anyone for money so they knew it wasnt me and tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX XXXX  Wells Fargo froze my accounts for several weeks causing me financial hardship. I had to hire an attorney to get my accounts unfrozen.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have overdraft protection and Welsfargo still charges me {$35.00} overdraft fee

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 2023-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
Had federal student loans. Worked for 10 years in public service at least in part because of student loan forgiveness program. At 10 year mark I apply for forgiveness. Forgiveness is denied because " loans are in wrong program '' supposedly. I am advised by servicer that they have reallocated loans to correct program and all I have to do is pay for another 6 months and they will automatically be forgiven. I do this. 

Loans are not forgiven automatically at 6 month mark. When I enquire I am informed that the loans are still not in right program but they will be moved and if I pay for another year they will be forgiven. I do this. 

Loans not forgiven at this point. Now I am informed that my loans are too old and that when Congress passed the loan forgiveness legislation it was meant for people who were younger and had been paying for shorter period of time. But again, all we have to do is move loans to another program and make additional payments and they will be forgiven. I do this. 

Year goes by I apply again, again I am denied. No reason given. AT this point I get aggressive on seeking answers. What I get told now is that 10 years prior there was a gap in payments where no payments were made one month but double payments were made the next month. I have no recollection of this as it has never been brought up before and I strongly suspect this to be retroactive fraudulent accounting. I am informed that this situation has created what they call a " rolling delinquency '', ie none of my payments over the past 10 years were on time because of this. But no worries, all we have to do is move loans to different program and apply for exemption to " rolling delinquency clause ''. More time passes without resolution. Lots of contentions back and forth communications though. 

PHEAA/Fedloan does eventually decide to forgive loans ( or perhaps forced to by incoming fed admin ) however they play games with the date on which the " rolling delinquency '' is resolved. Meaning... the amount of money that was overpaid due to the accounting error on their side is kept. They claim they are researching and looking into but mostly they just sting me along constituent with previous behavior. I follow up for several months but they stop returning phone calls. Last time I talked to them was probably late 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of 2 two credit cards paid in full with a XXXX  balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( s ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my Common Law Copyright, Notice of demand, UCC financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein XXXX  was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish

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 2023-02-02 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: LA

Complaint narrative:
Account : XXXX XXXX # XXXX Pursuant to XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I applied for, and received, an American Express Platinum Delta SkyMiles card on XX/XX/XXXX. AmEx advertised XXXX bonus miles for applying, with an additional XXXX bonus miles for meeting certain spending amounts in the first 3 months. 

When I applied online, a note came up that said I was not eligible for the bonus programs, but I was given an opportunity at that time to ask for reconsideration. The message I received back was I would be awarded the bonus miles if I successfully completed an approved application. I then signed up for the card, including the {$250.00} annual fee. 

I was told by and AmEx representative via the Chat application on XX/XX/XXXX that I was eligible for the XXXX and XXXX bonus miles award that was offered when I applied for the Platinum AmEx card. I checked in several times since then and was told that the award would be placed in my account in the next several months. 
Unfortunately, when I checked on status of award miles on XX/XX/XXXX, I was told the welcome offer was declined and I would receive no Delta SkyMiles. It is basically a case of being told one thing to get me to sign up for an expensive card and AmEx not delivering on its offer. 

I had several web chats and calls with AmEx regarding this, as well as writing two letters ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue. I did a final web chat on XX/XX/XXXX to again request the bonus miles. They said I was ineligible and not only refused to award the bonus miles, but also to refund the {$250.00} annual fee that I suggested would be acceptable resolution for me. 

AmEx said they clearly stated I was ineligible when I applied. I very much dispute this- I understood during the application process that they would award the miles and that is the only reason I would have spent {$250.00} in annual fees for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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:
There are lots of accounts on my report I do not recognize

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