vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Bank of the West not BMO. 
On XX/XX/2023 I made XXXX deposits of {$5000.00} each into XXXX XXXX XXXX XXXX XXXX checking account ( Account # XXXX ). The deposits were in XXXX currency which were XXXX checks. On XX/XX/2023 I got a credit of {$3600.00} which was for one of the check. I went to the bank and inquired why I got only one credit. There should have been two credits. The teller, XXXX told me she will look into it and asked me to check in again in few days. I checked in in about a week and I was told that there was a problem with mail and she will inquire with the copies she has in her office. I kept checking and there has been no satisfactory answer. Three month ago she asked me to check with the payee if the check had cleared his bank. Which I did and asked the payee to send me copy of cleared check which I provided to Mercy at the bank. She told me that she will start an investigation and get back to me. I kept asking her on weekly basis but she kept telling me there has been no result. Yesterday on XX/XX/2023 she called me and said that she got information from the investigation office of the bank and the case is being closed because it is too old without any result. She didn't say anything about crediting the 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 explanation
Consumer complaint received 2023-12-02 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
was going over my credit report and noticed this account : Account Name AFFIRM INC Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company AFFIRM. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Deposited a check into my business account, after the 10 day hold was released and funds was available ; the bank ( CHASE ) restricted me from the account not allowing me to pay any of my bills, withdraw money, nor transfer money. The bank has had time to verify the check during the 10 day hold and although funds are available Chase Bank will not allow me access to my funds. I feel this may be a violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
___________________________UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS, EQUITY AND INTEREST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I AM FULLY AWARE THAT AMERICAN EXPRESS HAS OBTAINED MY ORIGINAL CREDIT CARD AND HAS OBTAINED MY CREDIT CARD APPLICATION WHICH HAS BEEN SECURITIZED AND AMERICAN EXPRESS HAS A OBLIGATION TO PERFORM UNDER THE TRUST INDENTURED ACT OF XXXX AND SECURITY EXCHANGE ACT OF XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DESPITE UNLAWFULLY CLOSING DOWN MY ACCOUNTS OVER ALLEGED MONEY AMERICAN EXPRESS " DID NOT '' LEND TO ME AND CAUSING ME MASSIVE FINANCIAL HARM AND CHARACTER DEFAMATION, AMERICAN EXPRESS HAS DENIED ME MY RIGHT OF ARBITRATION AND HAS FAILED TO RESPOND TO MY CONDITIONAL ACCEPTENCE WHICH AMERICAN EXPRESS RECEIVED AND ACCEPTED UNDER THE POSTAL RULE BIENG NOW IN DISHONOR. NOTICE IT IS FACT IF AMERICAN EXPRESS DOES NOT REINSTATE MY ACCOUNTS AND CONTINUES TO BENEFIT FROM MY SECURITY WITHOUT GIVING ME ANY BENEFIT THAT IS AUTOMATICALLY A VIOLATION UNDER 15 USC 1644 AND SECURITIES FRAUD WHERE COURTS WILL HAVE EXCLUSIVE POWERS TO REGULATE VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a Chase British Airways credit card in XX/XX/XXXX. 

I've accumulated XXXX Avios but I can't access them because the XXXX XXXX number that I was assigned by Chase belongs to a closed British Airways XXXX XXXX account that belonged to me in XXXX

That account was closed a long time ago and I have no access to it. British Airways can't access the account either. The number on that account is : XXXX The email linked to that account is : XXXX I received a letter from Chase saying that the number is missing or incorrect and to contact British Airways to fix the issue. I did, but British Airways couldn't do anything for me because they said they couldn't access that account. That account has no XXXX because it's closed so I'm not sure where Chase is transferring my XXXX. 

I signed up for a new British Airways XXXX XXXX account with number : XXXX The email linked to that account is : XXXX I asked Chase to merge both accounts so I could access my Avios but they haven't been able to do it? 

Then I signed up again for a new British Airways XXXX XXXX with a different email to see if I could link the credit card to the XXXX XXXX account but I couldn't. 
The number is : XXXX The email linked to that account is : XXXX I called Chase and British Airways to merge my accounts multiple times. I spent more than XXXX trying to solve the issue over the phone with no success. The customer service is not useful. 

Then I received a letter from Chase saying that British Airways found multiple British Airways XXXX XXXX accounts under my name and to update my personal information and merge them. 

So as a summary, below are my three Executive Club numbers : XXXX ( old ) XXXX ( new ) XXXX ( newest ) I really need help on this. 

Attached here the two letters I received from Chase regarding the issue and the bank statements to prove the amount of miles I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
My name, address, phone number, and other information is wrong on my credit reports.

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 2023-12-02 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: TX

Complaint narrative:
my information with Equifax has been breached. Here is the proof and they refuse to delete these accounts, no matter how many times i have sent evidence, off my credit report. Here all the accounts names and numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete this immediately from my credit reports as i am a victim of the equifax beach Also when i call Equifax they are saying my file has a block and to send supporting documents to unblock the file. Supporting documents have been sent every month for the past three years and yet i am still unable to access my reports. I would like to be compensated {$3000.00} for violations of FCRA, postage and gas spent for the last 3 years, defamation, and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion Consumer Relations XXXX XXXX XXXX XXXX PA XXXX Dear sir, Upon the perusal of the TransUnion Personal Credit Report , I would like to dispute and ask the investigation on the following : On the pages from XXXX to XXXX, on the section Promotional Inquiries, following I do not receive any promotional offers from these credit card companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though I have the account with XXXXXXXX XXXX XXXX, we live in the rented place, and I have never seen the home lending from XXXX, as far as I remember. 
The last one, XXXX XXXX XXXX  as far as I remember, I might have received the offer, such as auto insurance ; however, we have the insurance with another company and considered as a garbage. 
I wonder why there was no soft inquiries in XXXX Credit Report from : XXXX  so-called XXXX office ( XXXX ) totaled XXXX times. 
XXXX XXXX totaled 5 times. 
XXXX XXXX XXXXXXXX once XXXX XXXX once XXXX XXXX totaled 4 times. 
XXXX XXXX XXXX once XXXX XXXX XXXX once XXXXXXXX XXXX  once. 
XXXX XXXX XXXX XXXXXXXX once XXXX XXXX XXXX times As I am not familiar since I am a XXXX nationality, I request the concise and clear explanation why these discrepancies exist between XXXX and TransUnion. 

Sincerely,

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 2023-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In Late XXXX early XXXX I was working with a car dealership, they asked me to place a {$1000.00} hold on a vehicle from it being sold to someone else. The dealership had two lots, one in XXXX, VA which I was dealing with and another one in XXXX, VA ( where the car I was interested in was ) The dealership never picked up the vehicle from the XXXX lot and after a week I was fed up with going back and forth with the dealership and I told them to send me back the {$1000.00} hold they requested. They are refusing to send my money back, Ive also disputed it with Capital One Bank but they have not given me my money back either. 

I have no other resource to help me with this issue. The dealership did not honor their half of the commitment of getting the vehicle. I am not sure what I can do to get the money back for a vehicle they never retrieved for me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: GA

Complaint narrative:
I have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

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 2023-12-03 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: FL

Complaint narrative:
Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all three bureaus without my permissible purpose or their knowledge of the information to be true.

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 2023-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, TransUnion, and XXXX, XXXX XXXXXXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score.

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately!

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, 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 2023-12-02 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On the date of XX/XX/XXXX, I had a gathering at my home with adults and children and my personal was left out along with my cell phone. Several people were in and out of a room that I thought was locked and I was informed that some individuals or individual was online using my computer and phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: MI

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : Equifax, XXXX, and Equifax, XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score. 

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately! 

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: MI

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, XXXX, and XXXX, XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score. 

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately! 

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, 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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XXXX of 2023, some unknown person got unauthorized access to my American Express account ( an Hilton XXXX card ) and added XXXX authorized users, all of whom I do not know. I immediately contacted Amex and was put through to their fraud department and told that those unauthorized cards would not be printed and were removed from my account, and that I would get a new card. Several days later, all the cards arrived in my mail and I started being bombarded to activate the cards for my authorized users. I called Amex, who again said they would remove those unknown persons from my account. I have recently called again, over XXXX months later, because these names remain on my account. Amex keeps giving me a run around how they need 30 days to remove these fraudulent names off my account ; over a week since my last contact with their fraud department and they are still on my account and they claim they are " investigating ''. If I don't want someone on my account, it's my right to remove them, but it's so wrong to keep these names on in fraud. Absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Someone tried to open credit card in my name which affected my credit score. It was denied but still got applied to my credit score. How can I get ut reversed? 

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