vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I received the attached email from Experian customer service ( XXXXXXXX ) confirming they received my request to deactivate my online membership. The membership number is XXXX and the cancellation confirmation number is XXXX. I did not sign up for a membership with Experian, I simply checked my credit online in order to get a free annual report which is my right as a NJ resident. Experian never cancelled my online membership and now their legal department claims I agreed to arbitration and that I do not have a right to file a lawsuit for their wilfull and intentional violations of the FCRA and Privacy Act. I did not sign any contract for arbitration only and I already cancelled my membership so there is no reason for obstructing justice and blocking me from future litigation. 
I am attaching as evidence, the confirmation of membership cancellation, four requests for the original contracts of the inaccurate accounts as allowed by Section 609 FCRA and a Notice to Cease and Desist inaccurate reporting.

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Recenily, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invaldated, inaccurate, and quessonable items thatt your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credt Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 16814 ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXXXXXX XXXX XXXX is not doing.

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 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
During my repayment to EdFinancial Services I have attempted to make monthly payments from two different banks, one a local credit union, and one a major national bank. Once EdFinancial Services accepts my payments they are " reversed '' within a few days, I talked to customer service at EdFinancial Services and they were only able to say that I must have an issue with my bank and their fraud department. I have contacted my bank following that and told them that I wanted to submit the payment and had in fact authorized this withdrawal from my account. EdFinancial Services now says that I have missed three consecutive payments due to them not keeping my money after I have submitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My partner had his IRS refund set up to deposit into my account. XXXX XXXX  and IRS website both say it was deposited/funded into my account on XX/XX/year>. Chime is saying its not there and there is no record of it. My partners money is just now missing?!? We also have a trace # that says it was sent to chime to be deposited. 
Yet someone told me thru chat help it was under a manual review. Then I spoke to someone on the phone thru chime and they have no clue what Im talking about saying its not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is unable to provide a process by which I am able to submit documents online to correct my first and last name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved. 
1. The experian.com/upload option does not work. The webpage has no elements to interact with as shown in the screenshot. 
2. My credit grantors have my updated first and last name. My active credit cards are in my correct name as well.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened 2 accounts with Chase Bank. I was persuaded by an offer sent to me from Chase by which I would get {$900.00} bonus for opening 2 accounts simultaneously. 
The offer was {$200.00} bonus for the savings account, {$300.00} for the checking account and {$400.00} for opening both accounts simultaneously. I have followed all the requirements : kept {$15000.00} in the savings account for more than 60 days, had my employer paying me through ACH deposit ( {$4000.00} ). I called and filed numerous cases with Chase and even if the supervisors confirmed with me that I should have received the entire {$900.00} bonus, I only received {$200.00}. 
This is an abusive practice and Chase Bank is misleading consumers. They took advantage of my hard work and never fulfilled their commitment. A terrible experience and another example of predatory and abusive practices. The last case number opened with chase was on the XXXX of XXXX. The case number was : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Something that I purchased from XXXX on XX/XX/24 and paid for through PayPal was shipped to me and delivered but left in an unsecure location and someone took it sometime on or about XX/XX/24. I filed claims with both XXXX and PayPal, but PayPal denied my claim on XX/XX/24 under the buyer protection program. I was instructed by a PayPal representative to reopen a claim with XXXX on XX/XX/24 but that was not successful. XXXX suggested I reopen the case with PayPal, which I tried to do today but PayPal said I only had a 10-day window during which to reopen the claim. The problem is the communication from them did not indicate a Time limitation. I have an email with no mention of a 10-day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out to file a complaint due to the unauthorized inquires on my credit file. They are fraudulent and not mine. 
I have sent in a FTC report via mail but also attaching it here. 
As a consumer, I know my rights per the law and aware that anything regarding identity theft should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Ok XX/XX/XXXX i request XXXX XXXX at Navy Federal and was told I wasnt eligible by email on XXXX XXXX past the 30 days of the request. Please let me know what action I can take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2024-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Discount Corporation dba Atlantic Financial Services
State: VA

Complaint narrative:
XXXX XXXX left a message with all my personal information. they didnt even call me even though i have asked them to stop u less my payment is pass 30 days late

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I was denied credit I KNOW I AM A XXXX PURCHASER I GAVE A SECURITY TO AMERICAN EXPRESS THAT THEY TURNED INTO A RECIVABLE AMERICAN EXPRESS PROSPECTUS STATES THAT THEY CAN NOT VERIFY WHAT MY CREDIT SCORE IS? WHAT FACTORS DID AMEX USE TO DENY ME BECAUSE I GAVE AMEX MY SSN COMMITING FRAUD WILL CAUSE AMERICAN EXPRESS TO LOSE THEIR BANKING LICENSE, I WOULD ALSO LIKE TO KNOW WHAT FACTORS DID YOUR UNDERWRITER UTILIZE? WHAT DID YOUR TREASURY UNDERWRITTER DEPARTMENT SAY? AND IF CAN NOT GET MY CREDIT CARD GIVE ME MY SECUIRTY BACK. I BARTERED A SECUIRTY WITH YOU WITH THE FOLLOWING CUSIP NUMBER AND I WILL REPORT YOU TO THE IRS FOR NOT BARTERING WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
One night around XXXX I had received multiple alerts of purchases in {$50.00} in increments for XXXX gift cards . All of these charges were made within the span of about 20 seconds and there were over 15 charges before I was able to lock the card. Despite Apple Card agreeing that 14 of them were fraudulent they insist the first charge which was made at the same time as all the rest from the same location in a foreign country, was legitimate to them. In their terms and agreements they have a clause stating that consumers are not liable for fraudulent charges yet they insist on telling me I am responsible for paying for it now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Reference # XXXX Huntington bank I thought I purchase concert tickets XX/XX/2024 in the amount of {$320.00}. These funds were taken from my account. I never received a confirmation number, a receipt or the tickets. I filed a fraud claim with Huntington after multiple attempts to reach XXXX  ( an app ) I used to purchase the tickets I never received. I had to use a chat feature as the phone number kept me on hold for hours. The chat kept disconnecting as each agent asked me to email them various pieces of information which I did.. not one agent could locate my order. I was given multiple phone numbers to contact as each stated the purchase was through XXXX  XXXX  ( a reseller ) when calling the numbers provided those agents were unable to locate my order as well.. the phone number provided on my Huntington bank statement was also for XXXX.. when I tried to call that number they were unable to locate my order. Again, this number was given to me by my bank .. printed on my statement. When I called Huntington Bank and was in touch with their fraud department, they provided me a disputes email address to send all of my information to. I emailed them screenshots of my chat, communications, a copy of the transaction, where the money was taken out of my account and expressed multiple times that I did not receive a receipt or a confirmation of my. Again, all of this information was emailed to them. I received written communication from Huntington requesting the same information, in which I hand wrote that I had emailed them what I had and that was all that I had and mailed it back. I received a letter from Huntington claiming that they did not receive the documentation that was requested and so they had concluded their research, and did not find any evidence that an error had occurred. An error did occur, and money was taken from my account without providing me with what I thought I had purchased. Huntington Bank has failed in this investigation. I do not believe Huntington bank did any investigation, and I would like proof of their investigation. I do not believe Huntington bank acknowledged the emails that I sent to them at their request. This should have been opened and closed. The phone number provided by them Huntington Bank for this transaction is clearly printed on my bank statement again provided by Huntington Bank that phone number is unable to locate an order or a transaction for what Huntington Bank allowed. 
All attachments here were sent to Huntington bank via card disputes email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: AL

Complaint narrative:
I never activated card in the first place and while moving I lost card, and could not get replacement. I would like the funds deposited or new card. I been dealing with this for a few years now!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was looking at my credit report after a recent divorce and saw some items I did not give the credit reporting agency permission to share. Also since the divorce my address has changed and I need it updated asap. There have been issues wih my ex and I am addressing all things at this time. Please see my request attached

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This bank Capital One has thrown me ( My Account ) out. This bank has locked my direct deposits from transfer to my new bank. An assistant says I has no access to the funds as a get tough policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I was customer of citizen one cash back credit card since 2001. I have never missed or late with payment. Due to the postal depay last payment was late with XXXX days. the company without contacting me reduced my credit limit drastically and reported me to credit agency and my my credit score went from XXXX to XXXX. Their tel number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am requesting that it will be from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief