vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a charge card XX/XX/2024 mainly to accrue and use rewards feature. I made large furniture purchases and immediately paid off the balance as intended. The company would report any time I charged a balance no matter the day of month not only when statement closed causing my credit utilization to increase thus deducting points from my credit score and then company would fail to report when payment was made and balance reset to XXXX  so I continued to have points deducted from my credit score and not replenished. Company then closed my account without my knowledge or permission and claimed that I called in to request this. After multiple calls with supervisors I was told there was nothing that could be done and that if wanted the account re opened I would have to apply again for new credit and thus having more points deducted from my credit score for opening a new line of credit. I originally lost XXXX point opening the account, XXXX points within the few months of using the account and then account was abruptly closed. I suspect that since I wasnt a customer who ever carried a balance intentionally and built up a great amount of rewards in turn, that they didnt see value in supporting a client like myself thus finding a way to end the business relationship.

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 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing regarding the complaint I submitted on XX/XX/2024. Complaint ID is XXXX. I spoke with XXXXXXXX XXXXl this afternoon. They told me that they received {$490.00} from Chase bank on XXXX XXXXXXXX XXXX XXXX XXXX said that they have not yet received {$400.00} payment from Chase bank which was subtracted from my account.I gave the merchant ARN number XXXX provided by Chase bank.The merchant reached out to their visa representative and confirmed that no payment was received from Chase bank.Could you please do me a favor by asking Chase bank to remit {$400.00} to XXXX XXXX XXXX XXXX inorder to resolve this issue? .You have been so helpful.I really appreciate all of your hard work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I deposit a third party check for {$68000.00} that my tenant receive from California XXXX XXXX to pay arrears on rent for 17 months. I deposit the check on my Chase Bank checking account and 2 days after the bank freeze my account. I go to my nearest branch and they helped me calling fraud department, the ask for a third party verification for the check by a phone number under the name of the person who the check was issued. The person has a family plan so the number didn't match her name, so she needs to buy a new phone a new line under her name. I called but the number still doesn't appear under her name so the bank close my account and the funds were put on suspense until the bank could verify the third party. I called every week with no luck until XX/XX/XXXX, that day on the phone number finally appear the name of the person that the bank needs to verify. The fraud department called the person and she verify everything on the check. The bank worker told me that now everything is fine and that I need to wait XXXX business days for the bank to send me the check. I called back on XX/XX/XXXX to check the status of my request and the bank worker told me that we need to wait about XXXX days that please call again on XX/XX/XXXX to check the status. I called back on XX/XX/XXXX, they told that I need t wait a little bit more because was XXXX to XXXX business days and that was the third business day that please call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the bank worker told me that she didn't see any new info or notes on the request that call back on XX/XX/XXXX. Few minutes later I call again because the response of the bank didn't convince me and the new bank worker told me that she didn't know why all those bank workers told that info on the previous days because the request was declined because the bank worker who open the request sent the information to the wrong department that they need open a new request or maybe need a new verification and start the process again, she transfer the call to a supervisor, I talked with the supervisor, he apologizes for the inconvenience because he knows that the mistake was from the bank side, and says that I need to wait XXXX business days because he open a new request. I made more than XXXX calls from XX/XX/XXXX to XX/XX/XXXX, verification was complete on XX/XX/XXXX and today is XX/XX/XXXX and I don't have the funds neither a date to get the funds and I need to wait several more days to get a new status. Every bank worker told different things every time that I call. I need please your help to get a solution on this and finish this nightmare. I'm behind on my mortgage payments due to the tenant no payments for 17 months. I already do everything that the bank told me to do. i record the last calls if maybe you need me to provide those videos. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
All debts are prepared for XXXX : TITLE 18 ( S ) 8 : TITLE 31-3123, Title 12-411 they are commiting fraudulent behavior I don't know these people they are commiting fraudulent Acts

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 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I have spent an hour and a half on hold waiting for a representative to inquire about correspondence sent to me by MOHELA, and I am still on hold. It is unacceptable for student loan servicers to have wait times in excess of XXXX minutes, especially considering the amount of money they are making off of students and graduates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I not liable and should not be held liable in any form for this debt with I do not have a contract with They did not provide original contract as I have requested from them. 



Immediately correction ti my credit report. I personally DEMAND IT TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-22 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I was looking at my credit report and noticed some hard inquiries that are not mine

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 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've been a long time customer of Capital One for over 20 years ( going back to when it was ING ). I have both a savings account and a money market account. The interest rate has always been one of the best in the market. In XXXX interest rates were reduced dramatically due to COVID and in XX/XX/XXXX the government starting increasing interest rates dramatically. I realized in XX/XX/XXXX that my interest rate has only be 0.3 % when interest rates were dramatically hire for the last two years. When I inquired why it's so low, Capital One advised me to open up a new " performance savings account '' that is offering 4.35 % interest. I had no idea this existed and wasn't informed about it until I asked. The issue is the fact that they arbitrarily opened up a new savings account with a higher interest rate, never told me about the change, and left me stuck in the low yielding account. I've had between $ XXXX and have been missing out on roughly the difference of 4 % interest for 2 years which could have been $ XXXX. I find it certainly disingenuous and on the verge of fraudulent to make that change and not alert customers to the fact. The purposely left me in an account paying minimal interest so they wouldn't have to pay the higher interest rate. They told me when I called that I should just check the website which is XXXX. I feel they should have to pay me the interest I could have earned had they told me of the change, or simply switched my account to the new account. Please advise on next steps and how to handle. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has allowed this collection to be added to my credit report twice in the past 6 months. The XXXX collection in my credit report doesnt belong to me. Experian already deleted this collection in XXXX, Experian couldnt prove the collection belongs to me. It is not my account.

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 2024-01-22 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
- XX/XX/XXXX I made a purchase on my Gap Card through paypal in the amount of {$120.00} - XX/XX/XXXX a refund was processed for the total amount ( {$120.00} ) from XXXX through XXXX. 
- XX/XX/XXXX - I called Gap Mastercard to ask why I am still not seeing the refund reflected on my account. I was told that at some point during the time of the purchase and the time of the refund my Gap Mastercard acocunt was transferred from XXXXXXXX XXXX  to Barclays and these transactions will take 30 days to reflect on the account since it was refunded to my XXXX account number. 
- XX/XX/XXXX -I called b/c the amount was still not reflected on my account and was told it takes 90 days NOT 30 day. 
- XX/XX/XXXX - I called and was told they have no idea where the money is. " call XXXXXXXX XXXX  '' and see if they can help. I called XXXX and was told they are not the account holder. I called XXXX and was told the refund was processed ( I have proof of this ) and called Barclays again. They said they will open an " investigation '' and a supervisor will call me back within XXXX hours. 
XX/XX/XXXX - I called Barclays ( the phone number on the back of my card ). There is no record of an investigation, only records of my previous calls and I should try to call Gap Customer Service ( the store!! ). They do have record of the original transaction but not of the refund, " sorry! '' They said no supervisor available but will call me back.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I am reporting a fraudulent inquiries found in my credit report

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 2024-01-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Clarity Services, a division of Experian, has inaccurate information that caused me to be denied credit. There are no published methods to dispute this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2024 To Whom It May Concern : My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : 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 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2024 To Whom It May Concern : My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : 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 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft. The person was caught and idicted ; however, I need these inquiried removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 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 explanation
Consumer complaint received 2024-01-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
ON ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) COMENITYCB/21 in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plans go late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: DISCOVER BANK
State: MD

Complaint narrative:
Someone made fraudulent purchases with my Discover card and after reporting it as such to the company, they are denying my claim and telling me that I am now responsible for paying it... It's a {$9000.00} charge made on XXXX XXXX XXXX XXXX XXXX  and I have no idea what this company even is so there's no way it was an accident or something on my part. Someone got access to my personal information and then made this purchase... It's not me and I'm not going to be paying it. I am reporting it to the proper channels and going through with a lawsuit if I don't have this money returned to my account.

Company response to consumer: Closed with explanation