vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a business checking and savings accounts with Chase on XX/XX/XXXX. A month later, on XX/XX/XXXX another signer on the account, my partner for the business received a unauthorized withdrawal text from Chase Fraud Department trying to confirm if we attempted to withdrawal {$800.00} dollars from the account. We replied NO. I logged in to my Chase app and saw multiple pending withdrawal activities on the app. I called Chase Fraud department right away asking them to stop these transactions. The representative advised me that there is nothing they can do at this time, my money is secure, I would get the money back from chase, they are FDIC insured, I should try calling back on Monday. At first i was shocked with his answer, asked for his full name and he advised that he can not disclose. My partner called CHASE Fraud department and made sure that the cards have been closed. I went to the XXXX Branch and spoke with my banker on Monday, XX/XX/XXXX. He called the Chase Claims department and disputed all the charges on my checking and savings. I advised him that I never received my debit card and confirmed with him that I did not want a debit card or credit cards for this account. 

The total amount in dispute from my checking 's sum up to {$8200.00} and {$1000.00} dollars from my Savings account. Shortly Chase credited me the above amount and I was closely monitoring my account afraid to make any more deposits. On XX/XX/XXXX there was reversal transactions pending in my savings account and checking. Checking account was pending reversal of {$5200.00} dollars and Savings account was pending {$1000.00} dollars in reversal. 

Out of the total loss amount of {$9200.00} that occurred on XX/XX/XXXX, I was only credited {$3000.00} dollars to my account, because they only found that one transaction as unauthorized. I received a letter in the mail dated XX/XX/XXXX from Chase stating that they found " the transactions was processed according to the information you provided or was authorized '', " no adjustments will be made to your account at this time ''. 

I went to the XXXX branch immediately and spoke with the manger. He called the claims department for me and went thru the account details with me. He found that someone did go to a XXXX branch and changed telephone number and pin for a debit card. He also shared this information with the claims department and the answer he got was there's nothing they can do. I have been trying to resolve this matter with Chase employees in numerous attempts and have been no where. I kept trying to call and write to the claims department and does not get an answer. Chase has failed to secure my money as a financial institution and respond to my inquires.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 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:
This is to bring to your attention the fact that I have a Chase Sapphire Preferred card with the following information : Name on Card : XXXX XXXX, Card No. : XXXX, XXXX XXXX : XXXXWithin a few weeks of issuing the card, my card was discontinued or canceled by the Chase bank without providing me with any valid reason. 
Meanwhile, using the same card, I did purchase an international flight ticket with XXXX XXXX. - Amount Charged : INR XXXX, Date of purchase- XXXX XX/XX/2021. But due to the pandemic, the flight got canceled, and the airline issued a refund on the same card, i.e., the one mentioned above. Ref : Email from XXXX XXXX I tried to reach CHASE, but they were unable to pull my account from the system or were ready to help. I tried to fax them but received no reply to my complains, call them, and reach XXXX XXXX, but all efforts failed. 
With no options left and after fighting for over a year, I am reaching out to the agency to kindly assist me. 
I am attaching 1. Email from XXXX XXXX : Confirming the refund 2. Image of my credit card 3. Itinerary showing the card used for purchase. 

looking forward to prompting action. I am unable to provide exact transaction details as I dont have access to this card account. 
Kindly let me know if you need any additional Information. 
Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Chicago Car Center, Inc.
State: IL

Complaint narrative:
I had got into a XXXX XXXX where the car was declared totaled, and Ive got a settlement check from the insurance with the deductible. Already taken out from the check of the payout and the car finance company is still saying I owe them the deductible which was already paid or included in the payout check from the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SYNCB AMAZON XXXX shows up as a hard inquiry on my credit report. I never authorized or applied for a cried card or loan from the. On XX/XX/2023 I called XXXX. I was unable to get past the automatic phone service to speak to a live representative to resolve this.

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened a Secured Platinum Credit Card with Capital One Bank around XX/XX/2022. I sent in a {$750.00} Security Deposit to Open the account. The Deposit of {$750.00} was sent to Capital One in Check Form from my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I never received any credit card from Capital One Bank just a run around as to what the status of the account was. My personal banker at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed that Capital One Cashed my {$750.00} Check. I was then told in XX/XX/2022 that Capital One had closed my account due to they felt that I was a fraud. I want to go on record that I have deposit accounts also with Capital One and this credit account is still showing on my account ( Capital One Application ) as restricted with {$750.00} in it. I have reported this to problem to the Executive Office of XXXX XXXX and various other Managers at Capital One and still have not received a refund of my {$750.00}. Please help me get my {$750.00} that Capital One has had illegally for a year. The Platinum Credit Card account ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I have sent in three work certification forms to MOHELA and they all have been canceled and have been claimed to be duplicates. The first was sent XXXX, the second was sent XXXX and the third XXXX. They have stated that it takes 90 business days and each time I come close to the 90 days they claim it to be a duplicate. I am at 125 payments with my PSLF and can't help to believe this is a delay tactic from the servicer. I am very upset at their abusive tactics at handling their clients. The mental anguish is paralyzing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Immediate Deletion Of All Accounts Fraud Alert Fraudulent Bank Account Inquires Placed On All Reports Any False Information With My Identity To Be Deleted If Not Proved Within 30days All Letters & Mail Has Been Certified & My Attorney Is Aware

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 2023-03-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received.

THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Credit Card company constantly sends me pre approval prequalification letters. When i go to apply i am being denied each tike because of violation with a previous account. So i have touched base with Capital Ones CEO office who confirmed they can not validate the account was mine and the information would be removed in 30 days. They never removed the information apparently. Then i get a call from the executive office claiming they did an internal investigation and saw an account in relation to me. I explained i supplied many FTC identity reports and police reports regarding my identity theft. they refused to supply me with investigation findings and the rep stated the information i provided him does not match the 2016 account created. I stated i was under age in 2016 and could not have possibly gotten a credit card. This accounts has never been populated on my credit reports. No inquiries ever from 2016. I have been promised to have this cleared up and they are refusing to clear it up. They have sold the account and the company they claim to have sold it to claims they could not validate the account was ever mine so they were forced to delete the account. Capital One is violating my consumer rights. They are not following up in 30 days they are not supplying me with investigation findings, they do not have my signature, my identification, my correct address, my consent. I HAVE NEVER HAD A CAPITAL ONE ACCOUNT AND NEVER PROVIDED A CAPITAL ONE STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: AL

Complaint narrative:
I have an open car loan with XXXX through XXXX. I got into an accident XX/XX/XXXX and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXXXXXX XXXX  ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by XXXX when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means XXXX owes me {$170.00}. Not only has XXXX not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX months ago. Do not do business with XXXX. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad business.

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