vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2022 I purchased flights to XXXX with XXXX XXXX. As I navigated through the purchase, I was shown an ad from XXXX and American Express for a XXXX card that told me I could get {$300.00} cashback if I opened an AmEx XXXX card, after {$2000.00} in qualifying purchases. I started using the card and after I spent {$2000.00} and still had not been credited the cashback, I called AmEx in early XXXX, roughly 6 weeks after opening the card [ I asked AmEx for this date, and they had a record of the call but would not tell me the date of this call ] and asked them why I had not been credited the cashback. The representative I spoke with said " everything has been done to qualify, you don't need to do anything more, it just takes 8-12 weeks to apply to the cashback. '' So I waited until 12 weeks had past and called again on XX/XX/XXXX and was told that there were actually two separate offers ; I had been credited skymiles after making {$2000.00} in qualifying purchases, but I would not be getting the {$300.00} cashback because I had failed to make a purchase with XXXX within 3 months of opening the card. I explained to the representative I did not know that I was expected to make a purchase on XXXX and that the first representative I spoke to had told me I didn't need to do anything more for the cashback, which turned out to have been incorrect. In fact, that representative had advised me to wait and not follow up until my eligibility ran out. The second representative opened a case with AmEx to request that my window to make a purchase with XXXX and get cashback be extended. I called again in late XXXX and was told that it takes 30 business days to resolve a case, so to call back on or after XX/XX/XXXX. I called again on XX/XX/2022 and was told " anything that was in the terms and conditions would supersede what any representative told '' me and so they would not grant me the cash back or extend my window to qualify for the cashback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have received four phone calls from Sunrise Credit Services, each on Friday during my working hours. 

Each week they have called I have made it explicitly clear that it is inappropriate to contact me during hours I am at work. Each time the person I am speaking with has stated there are no notes in my file regarding my assertion of inappropriate call times, despite the previous caller assuring me they were noting these restrictions.

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Rent Recovery Solutions is a debt collection Agency who came up on my credit report as of XX/XX/22. I spoke to a rep Name XXXX I was transfer over to her who advised she is my case manager and I told XXXX that this is fraud and I didn't owe and Debt for any rental as I have never directly rented in the state of XXXX. I also told her that I was on XXXX  XXXX was transfer from XXXX  XXXX  to XXXX  and XXXX XXXX XXXX assist me with all housing needs, So it was no way it could be me I never was with any rental company. I advise XXXX I became a Home owner and never rented ever. I asked who gave them my information in attempt to collect a fake debt I also advised the rep I made a complaint with XXXX. I also asked XXXX the original company who she advised who she said gave them my information which I found out was XXXX XXXX and XXXX XXXX is a fake company I know nothing about because I investigated base off my credit report and the company doesn't come up in any search at all no contact information and I feel Rent recovery Solutions is part of a scam trying to collect a fake debt off my old address and and information since it said XXXX XXXX XXXX XXXX XXXX  XXXX. I asked to please remove that off my credit since its fraud and I have a fraud alert on my account I have NEVER RENTED FROM The original company THEY don't exists XXXX from Rent Recovery Solutions advised when I dispute It I maybe able to bet the dispute Since they don't exist. I said so how come my information is in yall system this is fraud and I'm reporting this. I sold my house and I can't become a renter for the first time in XXXX  because Rent Recovery is attempting to collect a fake fraud debt and its wrong and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX Finance # XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
Several months back I got a call from who I thought was a chase employee. They stated someone had made an unauthorized XXXX  disbursement out of my sons acct and the only way to correct it was to send a XXXX  payment to myself. So I did. This was a scam. The {$2000.00} was taken out of my sons acct. I had to borrow the money to repay him. I contacted the bank right away. They denied my claim. They stated since my so. Had a school acct under mine, I was an authorized signer on his acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do did not authorize/ recognize the following hard inquiries listed on my account : 1. XXXX XXXX XXXX Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Date : XXXX Business Type : All Banks - non specific Address : XXXX XXXX XXXX XXXX, XXXX, ND, XXXX Phone : ( 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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
NORDSTROM/TD BANK USA is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy.

NORDSTROM/TD BANK USA shall remove this charge off from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
This in regard to Paypal. During the first week of XXXXXXXX XXXX I had some unauthorized transactions from my debit card in which I contacted my bank fraud dept about the incident however I did received a new card. I had to changed my accounts information on how I pay my bills and one them is PayPal, I logged into that and notice something wasn't right there was received payments from individuals and a business tied to my information. None of these are mine and never any of those funds and these happen on XXXXXXXX XXXX. I then contacted and spoke to a live rep with Paypal she said it look like someone in California use my account to change the information to " primary '', to scam and fraud. Selling fake goods and then using my PayPal account to collect their funds. Then these customers are looking at me ( a victim as well ) for their money back. PayPal did send 7 statement for each customer that they had figure out the problem. But, it still left a XXXX negative balance on my account because of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: ID

Complaint narrative:
on XX/XX/XXXX I purchased an animal from XXXX using my Citi credit card. Shortly after purchase and within XXXX posted live pet warranty period the pet passed away. 
I attempted to claim the pet warranty within petcos own posted policy and was turned away at the local store on XXXX separate occasions. The first occasion the employee on duty said that they were " to busy to deal with me at that time '' and flat out refused service on my second attempt. So I filed a billing dispute with Citi. Citi posted a provisional credit on out XXXX. However on XX/XX/XXXX I receive a notice that XXXX responded to Citi " the service was rendered to you as described at the time of sale '' so Citi has reversed the credit and will close the investigation with the info they have unless I can send proof otherwise... 

This does not in any way address the original billing dispute, the only option that I have to respond is by mail or fax and I can not include any sort of photos because Citi 's system apparently does not support that ( according to the document they sent me ). And at no time did anyone from Citi reach out to me to even discuss anything or request any info from me before just randomly closing the dispute on a generalized statement from the company that does not even apply to the issues at hand. 
Citi is not even attempting to investigate their billing disputes in good faith and I believe that they are violating my rights in their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America opened an account in my name without my consent or request. Since about XX/XX/1922 I have been receiving monthly bank statements in my name that contain no balance but includes a service fee of {$4.00} per month. I have not approached the bank about this because I understand this is an illegal practice as per the XXXX XXXX fraud case years ago. I do not have any personal accounts with Bank of America but my company does have a business account with them.

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX company is charging me over {$2000.00} for non-existent or pre-existing damage to a rental car I rented from them. I rented the vehicle from XXXX XXXX, starting at the XXXX, CA, airport and ending at XXXX  XXXX XXXX XXXX XXXX VA. I am XXXX XXXX XXXX and recently returned from 5 years stationed overseas. I used the rental vehicle to transport some items we had in storage in CA back to VA, my new duty station. Please see attached claim accusation letter from XXXX, my response to my insurance company, and photos of the pre-existing damage to the vehicle. USAA ( my insurance company ) found me at fault, which I think was based on the low dollar amount of the claim. I did not damage this car and that is why I am seeking other means for justice. I have done some internet searches and it appears that this tactic by XXXX is quite common. Please let me know if there are any additional questions or need for info. Thank you for your consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
My wife and I have been disputing a debt with our old landlord since XX/XX/2022. In short, they are assessing damages to the apartment, specifically to the carpet, which they claim go beyond normal wear & tear. We have argued with them back and forth for some time, asserting that the photographs provided do not amount to carpet damage and that they willingly chose to fully replace all carpets in the unit when there was no need to do so and simply want us to foot the bill. 

On or about XX/XX/2022, we received a written notice from Genesis XXXX XXXX d/b/a Columbia Debt Recovery, LLC , informing us that the apartment complex had referred the debt to them for collection. On XX/XX/2022, we forwarded the email chain with the apartment complex to the email provided by the collection notice ( XXXX ) along with the reference number for the case. In the email we referred them to the apartment complex communications and again stated that we disputed that a debt was owed and to bring an action in small claims if they wished to pursue the matter further. 

We received an automatic reply email from the debt collection agency indicating that our response was received and that someone would get back to us within 7 days. We never received any additional communications regarding the debt from Genesis, either via mail, text, email, or phone. 

This morning, 30 days after receiving the collection notice, we were informed by our credit agency that Genesis had reported the debt as owed and that it is now affecting our credit scores. No one at this agency picks up the phone and we have been unable to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 I received a call from Chase bank customer service number and there was a gentleman on the phone claiming to be from Chase fraud. The man said that ther was some suspicious activity on my account and if I was trying to make purchases at an out of state XXXX store. I told the gentleman no and he said well it looks like your account has been compromised. Now mind you this guy was calling me from the actual chase customer service number. He also represented himself as a Chase employee. In any case the guy advised me that were going to close the so called comprimised account and open a new account a long with replaccing my debit card any other other thing that goes a long with Chase banks protocols for accounts being compromised. So the guy had my credentials and guided me through the app to supposebly open a new account. In any case the guy tricked me into wiring him {$1300.00} that I thought was a transfer of funds to my new account. When I figured this guy was scamming me I immediately called Chase fraud and asked them to recall the wire. They initiated the recall and then I get a message from Chase saying the beneficiary denied the recall. So then I contacted Chase to find out where the money went. They gave me the run around for XXXX weeks then they finally give some information on the recipient. The fraudsters name was XXXX XXXX and the the receiving account was a XXXX XXXX account they also gave me an account number that turned out to be an account that did not exist at XXXX XXXX, I cntacted XXXX XXXX XXXX  to see if they had any information on this individual. They checked all their records and databases and told me that this person and account does not exist within their institution. So then I called Chase and asked them why would as wire go through if the account did not exist. They could not give me an answer and sti ; l ; refuse to tell me were my money went. All they keep telling me is that I was the one that approved the wire and that it was not fraud. The last manager I spoke with said I would have to go to court and supeana Chase bank to get them to tell me where my money went. Here are the names of the people I spoke with at Chase. 
XXXX XXXX Mid XXXX XXXX Claims Department XXXX XXXX Customer Service Manager- Fraud Department XXXX XXXX Customer Sevice Rep- Fraud Department .

I am still working on gettting answers from their wire fraud department but am not receiving any responses from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 FLAGSTAR BANK reported to XXXX, XXXX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, FLAGSTAR BANK any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Flagstar Bank has caused severe stress and XXXX  due to the abusive and unfair practices. 
You, FLAGSTAR BANK, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.

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 2022-12-09 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: CO

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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