vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXXXXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citibank checking account which I use every month to pay rent abroad to the same person in the same amount. I have been doing this for almost two years now. All of a sudden, the bank locked my account for " security reasons '' as of XX/XX/XXXX. I have been calling them since XX/XX/XXXX to get the issue resolved, have spent 3+ hours with representatives from their customer service, technical and fraud protection departments yesterday XX/XX/XXXX and today XX/XX/XXXX. They each say a different thing to me and I am still not able to access my account to pay my bills on time. This will cause me to be charged late fees and penalties. Some representatives say it is probably my device or my connection, however, I am using the same device and network I have been using for the last 2 years. I have also tried different networks and devices as well as the online app and I am having the same problem. I even had a relative who also has the same type of Citibank account use my computer to make a wire transfer to test the issue, and he was able to process the wire transfer without any issues. Therefore, my issue is not related to technology. Secondly, one of the representatives from the Fraud Department told me on XX/XX/XXXX that my account was under review for fraud matters and that they could not discuss ANYTHING with me while the account was under review and that I needed to call 24hours later. I did called 24 and 36 hours later and they still have not solved the isssue, continue to provide me with conflicting information and no solutions and I still don't have access to my account to make wire transfers. This is simply unacceptable! I encourage their customer service managers to listen to the recordings to see how rude, untrained, unhelpful and useless their representatives are.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On review of this account is seems that they have created a whole new account number to the previous account that i had. I have lost access to online due the account being closed and no longer receive statements. I have called several times and get no where. Now i am being harassed with phone calls even after i have made payments the account. Only to be told im still past due for the other account that is connected to the current account. I was called for account ending XXXX at XXXXXXXX XXXX then at XXXX XXXX XXXX but being told that i only have one account but receiving collections for an account that does not exist.

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 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone made a wire transfer to someone that banks with XXXX XXXX XXXXXXXX. We do not know anyone that Banks with XXXX because we all bank with Chase. THe amount that was transfered was {$8000.00} on Claim # XXXX. Online Domestic Wire Transfer VIA XXXX XXXX XXXX A/C XXXX XXXX. We have no idea who this person was or is. Chase said that they could not do anything because it was done in the same routing area from my son 's telephone number. Chase keeps giving me the run around and they can't seem to have their story straight. THey say its XXXX and XXXX says that they are just waiting for a letter of agreement from the bank. I don't know what else to do. I send out letters to chase weekly and have not heard back. I feel that at this point they are just ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/ I tried to revive a XXXX deposit and since it wouldn't take I called the customer services for JP Morgan Chase Bank and was informed that my account was blocked for closure with restrictions and that I could never again have an account with Chase. 
I inquired as for the reason and none was given. 
I went to my local branch and they reinforced what I was told on the phone. 
I was able to retrieve the funds I had but my Social Security check was returned without any warning. 
I never got a letter, a call, a text, warning, nothing Only found it because a transaction did not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX I filed the first of myriad complaints with you over Barclays. Today its my birthday. To this day, XX/XX/XXXX, Barclays has reported to the CFPB it has closed my account as requested and even said 1 ) it would no longer send me account notices and 2 ) even agreed ( as recorded publicly here ) to refund my full {$99.00} XXXX. This was quite some time ago. I believed they meant it and felt wed received resolution. 

Since they told you this, they have sent two more letters to my home telling me my account is slated to receive some sort of electronic correspondence. Obviously form letters. I actually replied to the first one. I mailed it back, told them to stop and to send me the check. Today ( my mail is sent to me on the road from my permanent address ) I received a rude birthday letter of the same spam. Three weeks ago this was sent and no other correspondence. Obviously Barclays had no intent of mailing a check. I am entitled to at the very least a prorated refund. They stated I would be sent a whole {$99.00} one. Im now leaving the country again in 2.5 weeks and still do not have that money. Im considering small claims action to make the point. 

Id rather them stop lying.

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 2023-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received a deposit of XXXX from the VA Treasury to my CHIME checking account # XXXX. There are no transfer rules. I then tried to transfer to m CHIME credit account. The app refused to do it and instead told me to save money. It flashed a message that was illegal and it was telling me not to transfer it and instead save it. I was trying to pay my rent when the app made 7 errors and kept telling me to save it in my checking instead of transfer it making it hard for me to pay my rent. I called customer service and they could not fix it and said someone at the bank was trying tosiphon is the word he used XXXX from my checking instead of allowing me to transfer it. He waited in the phone and told me to uninstall the Chime app then told me to reinstall and the app refused to move the money as requested. He then hung up on me when he noticed it would not move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/ Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion upon calling informed me to issue an FTC report and then dispute my hard inquiries that are appearing on my credit. I never gave anyone any authority to do or make any hard inquiries on my credit but yet these following lenders or organizations have pulled hard inquiries. I doesnt give them any authority to do such things and I appeal TransUnion to simply to remove these inquires as I requested on the phone multiple times and via mail or else I will have to fight legally for these disputes as this is surely making my credit look bad despite not having any accounts with these lenders or worked in past I dont want these inquires to show on my credit at all. Remove them please XXXX XXXX XXXX XXXX XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a letter on XX/XX/ via email but I was unaware of this letter. I don't agree with this decision by The Huntington National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV was notified in XXXX that the account did not belong to me. LVNV ( XXXX XXXX was asked for proof that this account was opened by me. 

The only information I received from LVNV ( Resurgent ) regarding this account was the name of the original creditor, account number and that I owed a balance. 

I waited approximately 30 days to allow for further correspondence but it was never received. 

I followed up with LVNV ( Resurgent ) to ask for the status and they advised that the original Supervisor XXXX didn't properly document the dispute and send the necessary documentation. 

A copy of the FTC Identity Theft affidavit was sent to LVNV electronically and was acknowledged by XXXX XXXX. After that acknowledgement, I contacted LVNV to inquire when the account will be closed and the tradeline deleted from the credit bureau. LVNV continued to try to collect on the account despite knowing that it was identity theft.

LVNV has rejected the credit bureaus request to investigate/delete the tradeline. 

As a result of this account, I have been denied my mortgage loan and have suffered monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received two letters in the mail on XXXXXXXX XXXX XXXX. The company letter is telling me I owe XXXX and in the second letter they indicate I owe XXXX because of fees. I looked them up online and called them. The guy on the phone kept saying I owe XXXX not XXXX and had me provide the reference number on the letters sent. He asked for my name, phone number and address. Then told me to dispute the debt by filling out a form on their website. I went to the website and started to fill out the form but it asked for detailed bank information and more personal details. I felt very uncomfortable even though a XXXX search said they are legitimate. So I called my bank about it and they said it's a fake business. Also I called XXXX directly and the rep said that XXXX never sends letters in the mail and they do not use TRS Recovery Services for any debt related things. XXXX advised me to not give any more information and to report the fakeTRS Recovery Services company who seem to be just scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
2 inquiry that are incorrect and they don't belong to me.

1. credit accepta nce date XXXX XXXXXXXX XXXX XXXXXXXX  I don't have accounts with this companies. I already try to dispute them, everything is correct. As things that are listed on my personal 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX, XXXX  I received a letter in the mail from Capital One and the contents of the letter were a quicksilver credit card with my name and address. I prior to receiving the letter I did not seek any information about Capital One or in regards to opening account with them. I tried to see if I was able to log into the account to see if I could find out any information about the account ; I tried to long in by forgetting user name and it sent me to the option of sending a code to a email or number and the email and ending of the numbers did not match my current phone number. I called Capital One and explained the information as stated above in regards to not opening the account or credit card, and the stated they will begin an investigation. They as well recommend to make a report with the Consumer Financial Protection Bureau, and a police report to help my case.

Company response to consumer: Closed with non-monetary relief